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AmexDream

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  1. Yes thank you for your reply. Its from Comcast and it’s from December of last year. Also, the bills sent were from November 17-August 18.
  2. For something on my credit report. I got several bills from the collection agency regarding the original creditor and none of them state the amount owed on my credit report. Please help with my next steps. Thank you.
  3. Thanks for your response. The comenity letter does say credit score instead of fico.
  4. Hi! So on Jan 22nd I applied for a Barney's card with comenity and got the 7-10 day response. I waited the 10 days, got nothing in the mail. So i called Barney's and they said i wasnt approved. No big deal honestly. However on Feb 3rd, I applied to BOA and was approved for a card. I got the approval letter from BOA stating they pulled Experian and my score is a 651, which is around what my credit union says as well since they all how me my score through Experian. I got the denial letter from comenity today stating my score is a 563????? How is this possible? They pulled Experian as well.
  5. Hi! So on Jan 22nd I applied for a Barney's card with comenity and got the 7-10 day response. I waited the 10 days, got nothing in the mail. So i called Barney's and they said i wasnt approved. No big deal honestly. However on Feb 3rd, I applied to BOA and was approved for a card. I got the approval letter from BOA stating they pulled Experian and my score is a 651, which is around what my credit union says as well since they all how me my score through Experian. I got the denial letter from comenity today stating my score is a 563????? How is this possible? They pulled Experian as well.
  6. Hello, Need a bit of help. Search didn't help. Anyone know the number to West Elm's recon??? Got the 7-10 business day result and wanted to call. Thank you!
  7. congrats. I started with the creditsteps. my initial limit was $500. it however took 6 years for them to take me off the program lol. my limit is now $3200 and they turned my card into a QS card. I'm happy with the card.
  8. Did anyone else receive this notice? I'm shocked. I used it once when I was out of work and they paid my bill for a few months. I wonder if they will replace the program with another.
  9. myfico told me I could not get a score until I established new credit in the month of June. in June I applied for 3 cards, was approved for 2. experian score is through my bank, transunion was from my denial letter from one of the cards. I'm honestly not sure if the equifax score provided through the site is true. credit karma says 649 I believe but we know how that goes
  10. Credit Application: Your Age?30 Your Equifax Credit Score? no sure Your Experian Credit Score? 660 Your TransUnion Credit Score?676 How many years have you been on file with Equifax? 12 How many years have you been on file with Experian? 12 How many years have you been on file with TransUnion? 12 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no Will this open auto loan be a trade-in? o How many late pays within the last 12 months on the currently open loan? n/a How many late pays within the last 13-24 months on the currently open loan? n/a Your current open auto loan is financed with? n/a Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 5 Total percentage utilized overall? 50% How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? 0 How many of your revolving accounts are known subprime credit cards 2 cap 1, 1 credit union card YOUR PERSONAL INFORMATION How long at your current residence? 3 years Do you Rent or have a Mortgage, or Live w/Relative or Other? rent Your Monthly Rent or Mortgage payment? 670 How long have you held your current job? 2years Your total provable monthly gross income is? 3000 Your provable monthly gross income is provable via what method? paystub Is there additional monthly income? What amount monthly? Describe the source. Is the additional monthly income provable? Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) 2000 Does any credit repository contain any Public Record? no If yes, please very briefly describe Does any credit repository contain any Collection Account(s)? yes If yes, please very briefly describe. Unpaid 760 Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5?? Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 5?? 54k in current student loans Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7 New or Used vehicle you are considering: New 2015 VW Jetta
  11. ok another update. so I applied for a Neiman Marcus card today and was approved for a $2000 limit. super excited to have a few positive tradelines now. going to work on 30 days on my two capital one cards as well.

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