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  • Our picks

    • Hi. I have multiple charge-offs on my credit reports. My credit has been derogatory since summer 2018. I have a little over 2 years remaining before all the negative items will completely be removed from my credit reports.
       
      I would like to know whether I should apply for a secured credit like Opensky now or if I should apply for an unsecured credit card such as Credit One. Or, should I apply for both types. My goal is to rebuild my credit and start out by building new credit history with some "rebuilding" credit cards types.
       
      Thank you for your assistance here.
      • 31 replies
    • I haven't been around for a while. but, actually I have, just under a different SN.
       
      dice727 is actually me. (in case you missed it, the thread is here: https://creditboards.com/forums/index.php?showtopic=567281)
       
      yes, for the many doubters, sadly everything posted in that thread is real. I posted under an alias with mom's permission because I had some pending legal issues and this account could possibly be tracked back to me.
       
      so now 18 months later, all that's been resolved, I received my Chapter 7 discharge in June and am working on rebuilding my credit.
       
      since I IIB'd pretty much every major creditor around and most of the good CUs, rebuilding is going to be an interesting process.
       
      current snapshot:
      FICO08s are EX 584, EQ 606, TU 573.
       
      I have no personal revolving accounts open right now. I didn't reaffirm the mortgage, so that's not open either. I do have open student loans. I am an AU on one open Ann Taylor account of my wife from 2003 with no balance and $3650 CL. I do still have some older paid/closed accounts on my report which helps my AAOA along with the student loans.
       
      going to use this thread to keep track of progress and notes.
       
      feel free to interject any advice if you think there's something I should/shouldn't do! I rebuilt many years ago from a bunch of CO accounts, but pretty much just waited until 7 years passed and everything fell off before starting to rebuild. so this is new territory for me.
      • 276 replies
    • Well, I just got one of the better scam emails. An email direct from Paypal for an invoice I never authorized. And yet, it had my actual name and the originating address was paypal.com
       
      Don't be fooled. Like the guy in this article, I called the number on the email after first logging in and verifying the phony invoice was pending. It became obvious the guy I was talking to was feeding a line of crap designed to scare me while he had little info other than the ph. no. I used to call him. Hung up.
       
      So, a little searching and guess what. Found this:
       
      This PayPal invoice scam almost got me. Here's how to spot it - Elliott Report
       
      Pretty much an exact match! Annoying pieces of excrement.
       
       
      • 5 replies
    • Tried again for a CLI with Apple.  Here’s the Dear Jane email I received:
       
      Goldman Sachs Bank USA could not approve your request for a credit limit increase because:
      You have not used and paid enough of your Apple Card credit limit since your last credit limit increase  
      Goldman Sachs Bank USA received your credit score from TransUnion Consumer Solutions.
      Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.
      Your credit score (TransUnion FICO® Score 9) as of December 19, 2022:
      825
      Credit scores range from a low of 300 to a high of 850.
       
      ‘Have a decent line in excess of 20K, pay down every month before balance posts. It would seem odd if the algorithms think I’m not running anything through the card. Usual monthly spend is $1,200 or so. 
       
      As an aside, TU FICO 8 is 817. 
       
      Can’t figure out why I keep getting rejected. 
      • 10 replies
    • Long story short
       
      I have $200,000+ in personal Loans and Credit Card Debt. I am about to stop paying and let them default in March. 
       
      All the personal loans are new debt and are 6 months old. The credit card I have had for awhile. 
       
      I got screwed trying to start a new business, and can't afford to pay these back. I make $78k a year. 

      I have access to $150k cash
      I don't own a home
       
      Here are my debts
      Wells Fargo Credit Card $15k
      Wells Fargo Personal Loan $40k
      Sofi Personal Loan $70k
      Amex Personal Loan $9,500
      Laurel Road Personal Loan $30k
      Lightstream Personal Loan $20k
      Discover Personal Loan $35k

      I am trying to avoid chapter 13 bankruptcy. 
       
      So my questions are..., based on your experiences, do you think I'll be able to settle all these debts with my $150,000? Or will they not budge since the debt is so new?
       
      Will they just sue me right away and only take the full amount? 
       
      Will they consider this fraud because the debt is only 6 months old? 
       
      Please let me know what y'all think. Thanks!  
       
      PS. Please don't judge, my life is ruined for awhile so I am looking for serious help. 
      • 23 replies
  • Posts

    • Hi B Jones!   Try not to feel bad about the Citi response! They are known as more of a builder for No Credit versus a rebuilder for Bad Credit. Are you a member of a credit union local to you? That's another avenue for creative rebuilding and additional positive tradelines.   Xo, Ag
    • Additional secured cards to explore - some familiar, some totally random:   First National Bank of Omaha (Community Bank): $5,000 limit, graduates at approx 1 yr, cannot add to deposit. Bank of America: $4,900 limit, graduates at ~1 yr (can request earlier), can add up to the $4,900 limit with a hard pull. Key Bank: $5,000 limit, graduates between 6m to 1yr, cannot add to deposit. (This one may not report as secured.) M&T Bank: $5,000 limit, graduates between 6m to 1yr, can add up to the $5,000 limit with a hard pull. Navy FCU: other folks can chime in on this one. High limit, graduates starting at 6m (typically +/- 18m), can add to deposit with credit check (assuming hard pull). You would also need an association with USN service, either yours or a family member. Fifth Third Bank: It does graduate but unsure of timeline, $5,000 limit, cannot add to deposit.   I gathered the above information about a year ago while researching secured cards for myself. Definitely perform due diligence, as details may have changed!    Xo, Ag  
    • I never had such fun when I was a kid. No smartphones and no Grubhub. 😞   https://www.bbc.com/news/av/world-us-canada-64507403
    • I can get cheap seat domestic tickets for under 10k miles one-way on occasion. 
    • My Fidelity brokerage account debit card just arrived. It's a nice gold color. The Fidelity debit card is green and silver. Both cards are basically sock drawer cards that I might use just a couple times a year to keep them active. I'm a sucker for new cards.   
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