MrNeef

You need net30 accounts to build any kind of credit.

Hello all, hope you all are staying well in these weird times. I am looking to obtain more credit in forms of CC or loans. Not sure if right now is a good time due to alot of uncertainty. Little profile info on myself. MyFico Scores as of 11/30/20... Equifax 785 TU 805 Experian 704 Experian I have one collection from DS Services of America dated to 6/2015 which is proving difficult to remove. And one late payment on a CURRENT CapOne Visa dating back to 6/2015. As you can see 6/2015 was a time when I was in the middle of moving and must have missed those two items. Anyways. My cards are below. Logix Visa CL $6,000 Balance of $0 CapOne Venture CL $14,000 Balance of $1.67 CapOne Platinum CL $10,250 Balance of $1.79 Chase United CL $2,000 Balance of $0.00 Chase Sapphire Preferred CL $17,000 Balance of $12,836 Amex Platinum CL No set limit Balance of $9,500 (Can pay off instantly, used it for business) I am looking to leverage for more credit. I have tried for CL increase on the cards with no luck and did not try to recon. Inquiries were 10/19 Capital One (Denied) Ex 10/20 Capital One (Denied) Eq 10/20 Capital One (Denied) Tu 10/21 Best Buy (Denied) 10/22 Amex (Approved) I was able to obtain Amex Platinum and Amex Delta Business Card. The CapOne's were CL increase request. I would like to either go for business funding, which I do have a SBA Disaster application that keeps being denied due to my IRS Returns which I have sent in my 4506-t 4 times and this most recent time should be good now. They couldnt verify with the 4506-t forms we sent in and lept saying there is a new one issued blah blah. So now just waiting fo them to process the latest submittal. Business did $2.02mm in revenue and COGS $1.556mm in 2019. 2020 we have grown to double. Any insight and suggestions would be greatly appreciated.

Wow nice really? I got a call too in a matter of days but he said nothing he can do. Im debating on trying again. BTW does anyone know how I can get this last DS of America collection off?

Makes sense all. it was indeed the Fairbanks email. the ONLY late payment I have. Other than that I have a stupid collection from Sparkletts collection agency that I cannot remove. Tried the DV and 1-2 punch but they validating. other than that I’m Scott free!

Hi all, just wanted to report my Goodwill attempt with CapOne. Date sent: 10/1/20 I sent a request to an email I found from googling around. I sent it via email at 7:55am PST with an email tracker attach to see if they really opened it, which they did four times with the first being 4 hours after sent. Today 5 days later I received a call from a 1-800 number an d the nice gentleman stated he attempted to request the removal with the CRA but was denied citing due to the FCA and that the CRA reused to do so since it was not a CapOne error but a financial hardship on the consumer aka me. Anybody know of a recourse? I have just one 30-day late from 6/2015 across all my cards and accounts which I would love to remove. Side note, I just paid off 24k of my 34k CC balance. How can I get my score to reflect this other than sitting around and waiting? TIA

They pulled Experian on me when I applied for both the Chase Business Ink and Chase Unite Airlines Business Card. 25k CL each.

Looking to apply for a Chase card, maybe the Chase Business Ink if its worth that route as opposed to a personal card. My business can swipe from 100k to 500k a year easy with monthly PIF. I actually make payments on the cards as each charge is made and posted through out the month. Score as of today. EQ 735 TU 731 EX 695 (Have one collection from 2015 which I tried to DV and came back verified) Experian also has not reflected about 11k in CC debt on my Chase Sapphire being paid off so waiting for that to refresh. Hope it will be soon. Current cards Chase Freedom $500 CL Balance of $300 (will pay off tomorrow, wife just charged something.) Chase Sapphire $12k CL Balance of $970 (check in hand to pay off in full today) Chase United $7k CL Balance $0 Capital One Venture $5k CL Balance of $1800 (check in hand to pay off tomorrow) Capital One Platinum $10,250 CL Balance of $0 Logix CU Visa $6k CL Balance of $5700 (Can pay off anytime) Also TD Auto just added a $60k auto loan on my report for my vehicle purchase. I bought it when scores were under 700's with a 5% rate, and would like to refi it even though its only a 2 month old auto loan. Worth it? Other auto loan I have is a balance of $8500 at 4.69% Travel rewards I have and just collecting for now. Should I go for the new Chase card and if so which? Or should i refi the cars?

New tradeline attached most likely

Hello CB'ers, I just wanted to share my approval. I applied a few days before Christmas for an auto loan with Logix Federal Credit Union online. My Experian on the MyFico app is 610, while my Transunion is 653 and my Equifax is 709. Approved for the requested $12k auto loan. APR is 4% for 60 months. At an estimated payment of $225/mo Experian score according to their report is 641. Remarks on my account. -High revolving balances. (My utilization is around 95%, Paying off the balance in few months.) -Paid state tax lien from 7 years ago (Working on removing it ) -Number of accounts with delinquency -Time from last derogatory too short Amazing huh?

A quick search led me to the citation number and with a license plate search it popped up. Called my tenant back home and verified a ticket as sent there. Anyways I paid the ticket, extra $100 late fee but now have this collection to deal with. Thank you for your input.🙄

How could you possibly mix the two up? They sound as far apart as can be? Collection agency is from Hawthorne, CA. Parking ticket was issued in City of Hawthorne....

Nevermind folks its not a ticket...Did some digging and its a collection from a water service that is supposedly tied to my name....

Hello, My car got a parking ticket that I was unaware of and the notice was sent to my old address in Minnesota. Car has my old state plates still. It has now just gone to collections. What is the best course of action? My score just dropped 35 points! Thank you

I have the following pulled from my MyFico report as of 7/11/16: With all of what's below was still approved for the United Chase card... Capital 1 that is now closed, paid as agreed 2x30 8/11 and 1/12 Best Buy MC that was closed. - In midst of moving cross country and when I paid it off they closed it due to the 90 day? 1x30 12/14 1x60 1/15 1x90 2/15 Merrick Bank MC Authorized User - Account is closed. Wife couldnt pay it and it got charged off. Reports on my credit report as paid as agreed and lost card. 2x30 7/10 and 9/10 Capital One Platinum - Open account in good standing with the $1250 CL 2x30 12/11 and 6/15 Target Store Card - Closed due to inactivity but was Paid 2x30 5/11 and 9/11 1x60 6/11 1x90 6/11 (Being reported wrong?) Target Visa Joint Account - Settled for less, 1 CRA reports as charged off. 2x30 2/10 and 4/10 2x60 3/10 and 5/10 90 day, 1 CRA 4x's and another 12x's reporting No collections reporting 1 paid state tax lien in 2/13. 1 CRA reports as release, another reports as tax lien, and last one does not report.