bburney

thank you.

I recently defaulted on all 4 of my AMEX cards, I have negotiated settlements for each card and have paid off 3 of the 4 cards. I was told that if I paid the total amount on one of my Amex cards, that I would be eligible for a Optima Credit Card application. Do you think I will get approved for a Optima card even if I didn't pay the full balance on the remaining three cards? Or do you think I should pay the balances in full prior to applying.

I have been trying hard to get those 2 collections account removed. I was able to get both off my ex (683) now but TU(640) and Eq(656) are still showing the two collections account. I have offered these two agencies pay for deletions but no luck. I am going to continue to dispute in hopes that they will fall off. By the way Citi just approved me for 5500k credit on their Costco card. Citi Costco-5500k Amex Blue- 15k USAA- 2K Amex Delta-1K Now should I only use one of these cards for everything or use one for a majority of stuff and use the others for small stuff and payoff each monthly?

Hi, I have the following reporting: Student Loans Mortgage Capital One CC Both cars were paid off in December. I have two collections account totaling 500 dollars. That is all I have on my credit report, I just applied for 4 cc with 3 of the 4 being approved. Amex Everyday CC 15K, Amex Delta Gold 1K and USAA 2k. I applied to Citi Costco and got the 3 to 7 days message.

Hi Everyone, I am looking to increase my FICO Scores from the mid to high 600's to mid 700's. Just been approved for Amex Everyday Card 15k and Amex Delta 1k (will call and ask for CLI after i receive the card) In addition I received a 2k cc from USAA? Do you think with having these cards and using them sparingly will help me reach mid 700's in 6 months? I also applied for Costco Citi Card but received a notification that they are further reviewing my application. I am looking for ways to increase my scores to mid 700's to purchase a business. Any advice would be greatly appreciated.

I was able to clean my DNB Credit file up with a simple dispute, was a 46 now back to 80. Does anyone have an idea how to clean up Experian and Equifax? Also how long does negative credit stay on your business profile?

Last year was a difficult year for my business. I defaulted on most of my CC and gas cards. Now I am in a position to pay off the cards and re-establish my credit. I am now seeking ideas of how to repair my credit and start over. Can anyone help me.

I applied for the Walmart Card and got the 7 to 10 day message. I waited a couple of days and then I called to check the status, the CSR told me I had been approved for 1k and I should receive my card in a couple of days. The next day I went into Sam's and applied in store and was instantly approved for 1.5k. I have 2 things reporting on my DNB and 3 things on Equifax and Experian. Good Luck.

PPOTX, What are you stats? How long have you been in business. I have heard that you have to be in business for 2 years before you can apply for Best Buy. Thanks

I was approved for Sam Club Account last night, CSR told me it was for 1500, she said to call the 800 number to verify, they may be able to approve me for more than 1500. WOW what a great week, approved for Walmart a couple days before for 1k, the funny thing is nothing is reporting on my DNB. Inc Nov 2007 Approved Accts so far Walmart 1k, Sam's, 1.5k Arco 1k, Exxon 500, Shell 500, OD 250, Staples 750 Net 30 Sprint, Uline, Reliable Net 7 UPS

Hello everyone, I am interested also a hard money cash loan, can someone point me in the right direction.

Where do you apply for Bill Me Later? What type of scores do you need to have also?