yamani88

I applied to Navy after only 3 months at my employer and got the 25k cash rewards card. I applied for PSECU combo and Amex PR Gold with only 6 months on the job (3 months later) and was approved for both . My Ex and EQ scores are in 700s my debt level is low to moderate. I have been in the same industry for 10 plus years but I think that matters in the mortgage realm more than the CC realm because they never asked me about my previous employers or for pay stubs etc. I guess like TangMeister says it depends on a lot of variables.

nevermind

Closing the cards will not help your AAOA once your cards start reporting they will be factored in now if you can get the TLs removed then that is a different story. So my recommendation is keep them open until the AF is due then close if you really want to do that

Its going to be a new pull

I am not sure what you mean but cash in an account has no bearing on your credit score unless you don't have any revolving credit and you want to stick it into a secured card. I might have missed the boat on this so some more details will help.

Triage from your hard copies from the CRAs themselves not from 3rd party reports. Ideally get your mailed to you from the individual CRAs if that doesnt work for you go to annualcreditreport.com and get it there.

Nope. Just have USAA and ScoreWatch. Pretty strange, I wonder if it had to do with the disputes. It was 3 days before they completed. I think the culprit might be Scorewatch but dont know for sure

i think you should relax and start by reading psychdoc's thread again and Jen23514's thread pinned at the top and take some notes and keep reading its not easy reading but you have to understand what you are doing and you currently you don't and that is going to frustrate you and hamper your progress. When I first found this site I read for 2 weeks straight for like 2- 3 hours a night before i started grasping what had to be done. Rome was not built in a day so you are not going to fix it all over night so take your time and read as much as possible and you be persistent you will see the light at the end of the tunnel.

You can DV the OC but they don't have to respond so if you do decide to DV since its only BOFA listing its them you would be DVing. You would have to send them a 623 dispute letter first of all do you know whether the debt is within SOL if it is you will poke the bear and might end up getting sued. If the OP is intending to get a mortgage the fear of getting sued is not worth even thinking about. The account is going to have to be removed or paid. May as well try to get it removed and then if all else fails try to settle. Either way they are gonna get paid so why fear "poking the sleeping bear" Well OP if that is the case you can start by disputing the BOFA charge off and then go to a 623 all depending on what your timetable is

You can DV the OC but they don't have to respond so if you do decide to DV since its only BOFA listing its them you would be DVing. You would have to send them a 623 dispute letter first of all do you know whether the debt is within SOL if it is you will poke the bear and might end up getting sued.

You want hard copies from the CRAs or go to annualcredit report.com If you look at the top of the forum you will see PsychDoc's Credit Repair for Beginners it is a good place to start read that it will be a good compass. When you have read and understand that then you can think about sending DVs.

What reason did SAKs give you for the decline start with that also do you know what bureau they pulled for sure pull that report and pull your scores from myfico and post that information and someone should be able to assist you with what you have posted no one can give you any concrete feedback