cindyl

That's why I love this site I knew you would have the answers Thanks

Does anyone know if American Express is BK friendly? If so which is best card to try for? Thanks in advance

Cap Quicksilver $2000 DCU $2900 Lowe's $5000 needed this for new cabinets did the 84 months at 5.99% Discover IT $2000 Home Depot $1001 (not sure what the $1 is for) Did this one one for paint etc..... haven't used it their interest rate is pretty high. Amazon Store Card $1400 Increase on Sam's Club Card from $1200 to $5200 Increase for Amex Dillard's from $1000 to $1500 Just wanted to share my experience I will not apply for any new credit for a while I carry mostly 0 balances if anyone needs to know. I do have car payment. Mortgage not reporting yet.

I did it and was approved for $2900 I thought it said I needed to show proof of income so I was trying to upload my paystub but its grayed out I cant attach anything. anyone know if they have a fax

I closed on my house today and want to do a small app spree before my mortgage reports thought I might try DCU since I have Logix cant do Navy nobody to sponsor me. Do I have to deposit money with DCU to get a credit card with them? are there any other card that you can suggest? TIA

Lowes is a GECRB card and should not be a HP for a CLI. OP doesn't have a Lowes card, they were turned down previously. You are right, my mistake. Didnt hit me that he didnt have the card, LOL. Sorry but he is also a she!! Lol yeah I don't have a lowes need the repairs for home I'm purchasing but lowes hates me so I figured is try to get an increase on my logix card

Thanks I'm not doing anything till I close anyway just getting my ducks in a row. Ill give lowes a try one more time if no go then Ill call Logix to see what they say.

Here's where I'm at I'm buying a house for me and my son and I close next week. The Kitchen is not finished the seller was in the middle of a reno and im finishing it got a very good deal anyway I need new cabinets, counter tops and possibly a new front door. Its about $5000 worth of item I have a Logix card with $6300 available credit I also PIF but I do not want to max my card I always carry about 4% Utilization that's it. I'm waiting till I close to get the credit because I do not want a pull showing on my reports. I was thinking lowes the 84 month at 5.99 but in past years they have always turned me down one of the reasons was past BK I have never had a lowes card and I do have new GE cards anyway im to scared Ill get turned down from lowes so I was wondering how Loqix was with Increases had the card for 6 month I use it and PIF. Here's my credit history and please experts tell me what you think. BK 6 years ago perfect credit since then Low Debt to Income even paid off one of my Student loans I do have a car payment 417 a month Credit is as flollows Mccoy FCU $4000 270 balance Cap 1 750 0 balance Logix 6300 0 balance VS 930 0 balance Credit 1 1200 0 balance Walmart 2500 0 balance Sams consumer card 1200 0 balance Dilliards amex 1200 0 balance Best Buy rewards 300 0 balance Kohls 1000 0 balance Bealls outlet 500 0 balance My inquires are not to awfull bad I have no applied for anything since December My scores according to the mortgage lender are 678 EQ EX 690 TU 727 Any advice on an increase do they pull a hard?

I have 0 balances on all my cards except one it has a small balance. I have a signature loan at the a local credit union they are charging me 16.9% Logix is running a special I can pay that off through my logix card and it will only be 4.9% and nobody pulls my credit. Here's my ? By using the logix card It only leave 1100 available it puts my close to me limit I know this is just one card but will I lose a lot of points on my score for doing this basically the card is 6300 the loan to pay off is 5200 but the interest is so much cheaper keep in mind I have 0 balances on all other cards except 1. Does anyone know the impact it will have on my score? I want to buy a house and this also helps my DTI. Thanks in advance

Does DCU do a Hard pull?

This is the message I get when I log into Equifax complete and try to pull a new report."We apologize for the inconvenience, however due to a system delay please check back again in 24 hours." Anyone know what is could be?

Can anyone verify if its a hard or a soft pull

Nice!! I love saving money. Ive never used Ebates I'm going there now to check out. I don't think I have a cash back card. I don't have a bunch of CC's I'll have to look through what I have a see. Thanks

Thanks no nothing special about DIllards rewards I don't go there enough to use them I only by makeup there. They are pretty expensive. That's the one thing I splurge on myself for. it will be paid off Tuesday then put away. Thanks

Went to Dillard's today to get some of my favorite makeup and thought I would see if I qualified for the 10% off since my order was over $100 the lady at the makeup counter took my info and had me scan one of my credit cards. She said I wasn't approved for the store card but I was approved for the Dillard's Amex card $1000 limit probably wont use much except on clinique when I'm out. I noticed on the paper she gave me that there are rewards for Dillards when used for gas and groceries but I don't understand what the difference is other then that. Is it a real Amex? or just a Dillard's card with Amex logo? My Experian is hoovering around 698-700 if that's what was pulled my TU is 743 and not sure what my EQ is at the moment . I know I need to update my siggy.