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    Advanced credit topics such as high-value credit limits, rewards cards and strategies for maximizing rewards.

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345,551 topics in this forum

  1. Experian Results

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    • 631 views

  2. Dell CL?

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  3. woohoo!!

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  4. need help!!! what do I do now?

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  5. Which would be best?

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  6. Which CRAs does Dell pull?

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  7. poof...and their gone..

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  8. poof...and their gone..

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  9. poof...and their gone..

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  10. Disputing negative credit items

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  11. Disputing negative credit items

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  12. REPO in TEXAS

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  13. HELP TO INCREASE FICO SCORES

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  14. validation after payment arrangement

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  15. Sherman/ Alegis help?

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  16. Conflicting Credit Scores.......

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  17. Help me with CROSS COUNTRY & MIDLAND

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  18. HELP with CAP ONE

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  19. my 1st collection letter

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  20. phone #'s

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  21. Bankruptcy and Chex System?

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  22. WTH??? My Experian CR looks like

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  23. duplicate post

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  24. DOLA on credit report?

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  25. How do i respond to this?

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  26. MY scores-HIS scores

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  27. Home Depot

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  28. Providian and CLI

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  29. CRA violates-what is my next step?

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  30. SBI International

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  31. Important Question

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  32. OC Deceptive Practices

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  33. E-Oscar Question

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  34. personal loan converted to CC

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  35. Is this a violation? Please help!!!

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  36. [b]Need Advice[/b]

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  37. What is *THIS*????

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  38. SOL for multiple states

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  • Our picks

    • I thought that I would do a pre qual with GS Marcus for a personal loan for kicks. I have a GM Mastercard and GM business MC with them that I just got within the last 2 months. CLs are $13k and $5.5K, with $0 balances respectively. I wouldn't have accepted it even if I got approved. Interesting to know that these decisions are based on more than just credit score.
       
      • 14 replies
    • My car was totaled in a minor collision and it was my only means of transportation. Now I'm really nervous about being able to finance a new vehicle with my current credit scores. Here is where I am at:
       
      - The car had one missed payment at the end and I was a cosigner on it. My insurance paid off the $840 dollars remaining on it, but it is still showing on my reports as a charge off with a balance of $840.
      - I also have a collection for $2800 with CAP1 that was settled last month for $1,100 and is being paid in three payments.
      - I have two other collections, both for an old apartment. One is for $2,900 and one for $750. These two hit the 7 year mark in July of this year.
      - My TU score on CK is at 561, EQ is 628.
      - My EX FICO 8 score shows as 686. This score doesn't show the charge off for the car or any collections.
      - After the car was totaled I have about $5k for a down payment and could probably push it to $6K if needed.
       
      I know this is far from the best place to be for purchasing a vehicle, but am I in a really tough spot, or am I overthinking it? I'm not expecting a great interest rate or anything, but I am nervous about actually being approved for anything. 
      • 68 replies
    • Jen’s Index
       
      First of all, the idea for this post totally came from Sassy (thank you!) and her post here: http://creditboards.com/forums/index.php?showtopic=14797
       
      Since her post 2003, there has been a lot of great conversation and changes, so I thought I would update it with my own spin and my own links. Use whichever works best for you But, I also used a few links that are in her index. The classics never die.
       
      Nothing I could say here could totally cover every credit repair topic or situation out there. In fact, I’m not trying to. The purpose of this write-up is to provide an outline for beginners on where to go to gain the knowledge they will need for their credit repair journey. A "where do I start" primer.
       
      If you are simply looking for a place to get a sample letter to copy/paste (c/p) and send off, then close this thread now, this isn’t it. The most effective letters are ones you write yourself, tailored to your own situation, and written knowing why you wrote what you wrote.
       
       
      Here is a good read about the type of consumer CB can turn you into:
      http://creditboards.com/forums/index.php?s...=263781&hl=
       
      I will only link CB threads in this index (outside the FDCPA/FCRA /govt links). I have found invaluable information also off CB, but to keep things simple, CB is the only place I will reference in this thread. On my own site, I have been working to expand this index to other sites, giving credit where credit is due.
       
      Lastly, there are so many awesome threads that I had book marked (computer crash) and no longer have, or I have missed over the years. If yours is one of those that deserved a mention here, but due to my oversight was missed, you have my deepest apologies.
      • 85 replies
    • So after a extensive search on CB & Google, the below credit card sites are the only ones I could find that pull 'soft' inquiries to see if you qualify for their cards.
       
      note: deleted original links - they're dead. please use the links below.
       
       
      Courtesy of foeplay - update as of Sept 7 2010:
       
      Pre-approval links
      HSBC pre-qualifier (must bank with HSBC): https://www.hsbcapply.com/start/hsbccreditcard/
      HSBC/Household pre-qualifier: https://www.hsbcapply.com/start/householdbank
      HSBC/Orchard's pre-qualifier: https://www.hsbcapply.com/start/orchardbank
      HSBC/BestBuy's pre-qualifier: https://www.hsbcapply.com/start/rewardzonemastercard
      Capital One's pre-qualifier: https://cardfinder.capitalone.com/CapOne/fi...3ZZZZZZZZZZZZZZ
      Discover's pre-qualifier: https://www.discovercard.com/cardmembersvcs...ORE_pre_chk_btn
       
      Database checkers (not a pre-qualifier; checks to see if they have any currently standing offers for you in their database)
      Bank of America: https://preselected.bankofamerica.com/cc/SelfInquiry.aspx
      Citibank: https://www.citicards.com/cards/acq/dirMail...o?screenID=4010
      American Express (Click on "NOT A CARDMEMBER YET"): https://www201.americanexpress.com/secure/m...atePerfectCards
      Chase checks for recently mailed offers https://creditcards.chase.com/RecentlyMailedOffers.aspx
       
      Sites that have been known to give pre-approvals when you shop there/go to check out there:
      Victoria's Secret http://www.victoriassecret.com
      Newport News http://www.newportnews.com (you can check to see if you're pre-approved here: https://www.newport-news.com/credit/preapprove.aspx )
      Spiegel http://www.spiegel.com (you can check to see if you're pre-approved here: https://www.spiegel.com/credit/eligcheck.aspx )
      Metrostyle http://www.metrostyle.com
      Chadwick's http://www.chadwicks.com
      Roamans http://www.roamans.com
      • 1,303 replies
    • So I've frozen my accounts (again) and opted out for all 3 CRAs.
       
      I have two collection accounts that are holding me back on TransUnion and they are Medical Collections. I have read the WhyChat HIPAA guidelines and I am ready to submit my Handwritten Initial Dispute using WhyChat's form provided.
       
      HOWEVER, before I do this, I also need to note that these two collections have STARTED garnishing my wages about 2 months ago, and have about 1 month of garnishment left BEFORE being paid off. The balances have not been updated on my credit report, even though they are still "reporting" every month.
       
      Should I wait till the garnishment is over in a few weeks and then start my initial dispute, or should I take a different approach overall?
      • 12 replies
  • Posts

    • I have been down this road (recently).  One would assume that a secured approach should be gravy, but it is not.  When you are at a 500 score, you are the kid that gets picked last at dodgeball.  You want to have something positive on your profile, anything at all.  You could owe 500k in collections, but without a little positive, it is an uphill battle. When I was in "jail" like you are, I resorted to a service that reports your rent payments on your credit report.  There is another service that will let you lend money to yourself, to get reported on the big 3.  Do what it takes.  If you are sitting at 500, there is something bad going on that you have to fix.
    • I can tell you right now, you were declined for inquiries. Goldman Sachs hates inquiries and they have a cutoff of 6 (or maybe 5) within the last 6 months where they will automatically deny you. I have run into this with my Apple Card. They will deny new applications as well as CLI requests if you have more than their acceptable number of inquiries. The good news is that if you go below their threshold for inquiries, you can try again, and likely be successful.
    • I'm aware of your distaste for Citi based upon a handful of incidents over the years.  (and I did a little refresher of back posts just now ...)   Your Citi denial dates back to pre-2005 and was with a WaMu credit card product managed out of the Citi portfolio at that time.  I'll suggest that more recent anecdotes with Citi's own secured product generally are positive and I personally recommend the card to those looking to rebuild.   That said, I'm not suggesting that your experiences with Citi and your take on them aren't legitimate.  Citi clearly hasn't been a good fit for you and you're entitled to share that experience.
    • I would most heartily recommend BofA, as they tend to be more "on your side" than the other cc issuers. https://www.bankofamerica.com/credit-cards/products/secured-credit-card/   In any event DO NOT OPEN AN ACCOUNT WITH FIRST PREMIER OR CREDITONE.   You want to use the secured card to get in with "legit" lenders, who offer higher quality products that your secured card can graduate/PC into, or that you'll more easily get approved for down the road 'cause you've built a history with the lender.   (Nothing like that can happen for you at First Premier or CreditOne.)   Chase's Slate Edge card is aimed at starters & rebuilders; and Chase also is a good outfit to get in with: https://creditcards.chase.com/slate-edge-credit-card   Stay away from Citibank; back when I was where you are they actually TURNED ME DOWN for a SECURED card; even once they were in possession of the bank money order I'd sent in.   The other worthwhile issuer to look at is US Bank: https://www.usbank.com/credit-cards/credit-building-credit-cards.html     Good luck with your efforts.       p.s. stay way the hell away from First Premier and CreditOne.
    • My apologies for the delay I responding and I appreciate everyone's response. I'm too old to go back and forth over something like this. So I do like the idea of responding where I reserve my rights yet point out that they are beyond the SOL. Thanks so much for the advice. Sent from my SM-G998U using Tapatalk
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