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About Hi-Tech

  • Birthday March 12

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    Quad Cities

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  1. I have really enjoyed reading this thread and think it has some really great information on it. It would be good to get more some more good, recent posts here so that we have accurate info and know which things have changed etc. I am just getting ready to start building credit on my Corp in March so I will try to post what happens with it as well. I am trying to read up so that I do it right.
  2. That's awesome Mitch19. About how long did it take you to build up to that CL? I'm just curious if it was a couple years or if it was longer. Thanks.
  3. I agree with Mendelssohn! I would try again in 90 days. Maybe your balances will be a little bit lower then and the other things will have changed enough for them to raise you. It should become easier after that. Best of luck! Sent from my iPhone using Tapatalk
  4. I have a quick question regarding credit cards/inquiries. I got 2 credit card offers in the mail last week. One was from Wyndham Rewards and it is a Barclaycard and the other I believe is from First Savings MasterCard. Have a few credit cards already and carry low balances but my credit limits aren't high like they used to be. I wanted to open a couple more credit cards to continue building credit. I realized that these 2 cards might give me lower credit limits but I believe it will still help me with my credit. I hate to get cards that aren’t credit cards that I will want to hold five years from now but unfortunately that is my option right now until I get a couple things fixed on my report. That should happen probably in the next year as I'm waiting for my accountant to get things done. I will be able to get it corrected, which will change things immensely. My question about applying for both of these cards this week is this: Will they both count and reduce my credit score. I realize that full credit reports will probably be pulled but I was wondering if both of them will knock my score down. I remember years ago learning that if you applied at several places for the same type of credit within a short time window, it would only count as if you only did it once. I remember reading on the forum that they did this to allow people to shop for better rates, options, perks etc. I thought I remembered that this was applicable for car loans, mortgages and the like but cannot remember if I read that credit cards were included in this as well. Can someone please let me know if this done the same way? If it does work that way, I will apply for one and then the other on the same day. I really do not want to do any more unnecessary damage to my credit report and score and it always seems that lately I have to take more inquiry hits because it seems that (sometimes) I have to go to a different lender or bank if I am turned down or the rates or offer are undoable or unrealistic. The inquiries are not quite as high right now but I think at this time last year I had 10 inquiries on my report and when I read the report, they almost seemed like a scolded me and told me that this was bad. At the time, I probably had to do what I had to do, in order to get the loan or money that I needed. If this is covered somewhere in another thread, please accept my apologies, I didn't see it when I searched. I greatly appreciate any answers or help you guys can provide. I'm looking forward to building my credit again and using this forum during that process. I am so glad that I found this forum as I believe it is one of the best things/tools out there to help people to rebuild, build or maintain their credit. Reg
  5. Hello Nate! Great post! Just wanted to say hey and tell you that I've been following you through your journey for a while now and have been reading this thread with great interest! I am at the beginning of my journey and watching you guys do it has given me the encouragement to start mine. Can't wait! Reg
  6. I have been registered for more than 60 days and I do not think that I have member status. I realize that you posted this quite a while ago but thought it was worth a shot. Thank you.
  7. Your EX FAKO is same as my EQ FICO. Hello GonnaGetEm: You did an awesome job with your credit reports! What did you do toget such a wide spread between the 2 scores? Did you get any baddies removed? Ibet you were extremely happy, I know I would be. Whatever you're doing, you're definitely doingthe right thing. I have opened up 3 creditcard accounts in the last year and also opened up a Fingerhut account but haven'tused it. My scores have basically stayedthe same for about 6 months now. I'm hoping that once these credit cards age a bit more, I will see an improvementmy scores too. Does anybody know about how long that my credit cards will have to age before it starts enhancing myscores? I haven't had anything negativereport to my credit reports for at least 1 1/2 years and since then, I have added a car loan, 3 credit cards and the Fingerhut account. Hi-Tech
  8. Hello Ametha, I sympathize with your situation and wish you the best of luck. I have the phone number to the president of the loan modification dept. as I have been helping a family member with theirs and theirs was through WF. I hear that very few people get this number and I got the number from a friend in NY who couldn't get anything done on his foreclosre until he was lucky enough to get this guy and his number. I was told from my friend that before you turn in your financial numbers, it is best to make a realistic budget as best you can and make it so it look like your income is $150-$200 over everything that goes out every month if at all possible. It worked great right away for him after a year of getting nowhere calling other customer service numbers for Wells Fargo. I am a new member here and if you are interested in his name and phone number, I will have to check to see what the rules are on sending it by personal message etc. I do not want to post it here as I think it would flood this guys voice mail with too many calls and it could possibly ruin things for my cousin if he found out I posted it on a forum. I will give it to others by PM if they have a legitimate need, I just don't think it would be a good idea to post it. I'm glad to have found this forum and the information is unreal. I wish you the very best with your situation and hope by the time you read this you have the mortgage re-instated already:). Best Regards, Hi-Tech

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