bellaSky

Thanks so much guys! We are trying to get approved for a house and wanted to ck to see what's on there.

Hi! I wanted to ck via the backdoor way but do not want to put an inquiry. Anyone know if it does? Thanks!

Thanks for responding! 618 range. I have 5 credit cards, I had some lates 2 years ago but that's it. Just this UofP chargeoff. All my cards were paid in full as well as my car loan in Feb of this year. All of them have positive reporting for the last 2 years. My car loan was for 5 years and it has no lates and was paid off 11 months early this Feb.

We are on the cusp of being able to be approved. Well...if not with me, just dh. All the cards were paid off as well as the car a couple months ago. Anything out there I can do? My mom was going to try to add me as an AU to my grandpa's Sears card that he has had for 36 years but not sure if the would help me at all. Anything out there like what was crown jewelers? Sorry, I have been away for a few months! Or should I try to get some more cards? We finally made it to 620 which is what they told us for a house and NOW it has bumped to 640- I want to cry When you don't have a lot of credit, any ding HURTS A LOT.

Hmmm. Maybe I should try again. I tried the twitter thing last year and the rep kept telling me about they had to report correctly. I was shot down every time I was trying to speak to him.

I am unsure what to do. This is my only biggie on my report. This one is KILLING my score. I do not have much credit years because of my age and it is weighing it down. We really want to try for a house. I have a University of Phoenix charge off for $662. This darn school pulled my loan out AFTER I took the class and I had no clue until the collections started. I did manage to pay half of it off but at 18, I just did not have the funds. It is reporting 38 90 days late. Date opened is 12/2004. Before I knew any better, I did dispute last year and pretty much woke the sleeping giant. It had not reported for a couple years and BAM. After the dispute, they started reporting each month for the 2009 year. I wanted to send a pay for delete letter. I was hoping since it is due to fall off next year, they would rather get the $ and delete because from my understanding it will fall off next year anyway. Am I correct in this? Or am I dreaming? If anyone can offer any help. I have some many questions, my head is spinning. THANK YOU if you made it this far. I am desperate

I am unsure what to do. This is my only biggie on my report. This one is KILLING my score. I do not have much credit years because of my age and it is weighing it down. We really want to try for a house. I have a University of Phoenix charge off for $662. This darn school pulled my loan out AFTER I took the class and I had no clue until the collections started. I did manage to pay half of it off but at 18, I just did not have the funds. It is reporting 38 90 days late. Date opened is 12/2004. Before I knew any better, I did dispute last year and pretty much woke the sleeping giant. It had not reported for a couple years and BAM. After the dispute, they started reporting each month for the 2009 year. I wanted to send a pay for delete letter. I was hoping since it is due to fall off next year, they would rather get the $ and delete because from my understanding it will fall off next year anyway. Am I correct in this? Or am I dreaming? If anyone can offer any help. I have some many questions, my head is spinning. THANK YOU if you made it this far. I am desperate

What score do you need to get a house? Let's say within the next few months? What score did you have?

Yes, they charged us 5.00 western union fee for every payment. Paid my car off this month so good riddance

Congrats! Thank you for sharing! It inspires the ones on the road to credit repair! WAY TO GO!!

How long ago was this? You may want to check your card- I just found this article Citi Cancels Exxon Mobile cards

Thanks so much guys! Really appreciate it!

Hi! Has anyone gotten a decent limit maybe about 750 and up recently with a score around 650-670? Not for me, still working on my repair but for my grandmother. I tried checking credit pull but did not see limits on it. Thanks so much! eryn

I know the lender people usually have a contact that can get them to submitt faster. Ask him to ask the company he is going thru.

every CJ thread on this board has one of the senior high credit holders telling every humble CJ user that they need to cancel their membership immediately and that they're buying "junk" and the TL is "worthless" and blah blah blah. i'm just saying let the re-builders use this tool without all the flak. it's good for them, and if it's not good for YOU then dont use it and go bad-mouth the First Premier threads.. is this the first time you've seen this? +1 I started out here with CJ before they stopped reporting to EX. I opened this card for both me and my husband. He had no credit, I had bad credit. NOW with the help of CJ (talk junk about it, it doesn't bother me) I was able to get several store cards and an HSBC card (they wouldn't give it to me before CJ!!!) So thank you Crown Jewelers for selling crappy jewelry at high prices! Because of you it helped my credit repair journey SO very much. And please start reporting back to TU! Thank you very much. Yes please!