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  • Our picks

    • I have a $1200 collections from Nebraska Furniture Mart that defaulted about 4-5 years ago and is now past SOL. They continue to report/update the status every month to the credit bureaus. Since they’re refreshing it every month, could it continue to hold down my score?
      • 5 replies
    • I've been getting things cleaned up over the past couple of months.  The only thing remaining on any of the 3 CRA's is 2 paid medical collections on EQ listed as closed.  If these paid collections negatively affect your score why would all 3 CRA scores be within a few points of each other?  Again, the only difference between the 3 is the 2 paid collections listed on EQ (and not listed on Trans or EX).    
      • 1 reply
    • For the past coupla months (while paying down balances) I have been aiming to apply for
       
      1) car loan from BofA ($8K)
      2) BNP Paribas BotW MC that I got a mailed pre-approval for
      3) AmEx Everyday  (which I think is a mild stretch (but AmEx does love me ))
       
      When I log on next week (once my $1,800 payment on my FNBO Visa reports on myFICO), in what order do you think I ought to submit these apps?
       
      Second question:  If I want to go for the current Southwest promo (100K points!!) from Chase, where would that fit in to the sequence?
       
      (In practice I might just zotz the AmEx app, in order to go through with Southwest. Boring Everyday card will always be there but this bonus offer will not.  Still though, I wanna hear everyone's thoughts on the scenarios.  )
      • 18 replies
    • Good evening,
       
      I am trying to take some steps to improve my credit.  
       
      I filed Chapter 7 on 07/30/2014, discharged on 11/05/2014.
       
      I haven't done much to improve my credit score since.  I have no credit card debt right now.  I have my mortgage which I have been paying off, without missing a payment, and two auto loans.
       
      I have two credit cards with Capital One.
       
      Is there anything I can do to improve my score, and my wife's score (she is on the bankruptcy as well) until the bankruptcy finally falls off of my credit report?  Or will my credit always remain poor until the bankruptcy comes off?
       
      Thank you!
      • 11 replies
    • Hi, I wanted some help to know what is the best way to use my line of credit to increase my credit score. I have 3 Credit Cards and 1 Line of credit. I use my 3 credit card less than 10% each month and pay in full every time. Just got a line of credit with my bank of 5000$ and took 500$ right away. I didnt need the money I just wanted to make a payment history. My yearly interest rate is 11%. My question is what is the best way to increase my score with the Line of Credit. Do I borrow 500$ each month and pay it in full each time? Or do I keep that 500$ and repay 50$ a month? What is the best way to improve my credit and add a positive history with that line of credit.
      • 6 replies
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