Jump to content

stroked89coupe

Mod Squad
  • Content Count

    4,770
  • Joined

  • Last visited

2 Followers

About stroked89coupe

  • Rank
    Troll Patrol
  • Birthday 05/24/1988

Profile Information

  • Location
    Georgia

Recent Profile Visitors

1,368 profile views
  1. We use deluxe sometimes. I don't think they offer credit accounts though. Never checked into it.
  2. We needed a few things from them. We used to have an account a while back but we never ended up even using it. Decided to re-apply.
  3. So what do you guys think about this? Consolidate all of my balances (Two cards) into one installment loan. Then picking up where I left off? I don't care about the interest paid vs the balance transfer offer I have now. I'll just pay it off sooner. If I did this would your recommended strategy change?
  4. I included BOA in bankruptcy in 2011, and I have a cash rewards card with them. Applied for it 9 months ago, and they counter offered a 99 deposit secured card with 500 limit. It just graduated to unsecured last week and bumped the limit to 1600. I had 8 years of good history with BOA before bankruptcy. Interesting. I was just reading about that. Been out of it for a while.
  5. My mortgage isn't a revolving account either, but I assure you it reports. I'm sorry I was not technical enough for you.I never said your mortgage account did not report. Without being some type of revolving,rental information OR installment loan there can be no ''Late'' Payment information reported. Just delinquent balances. I didn't want OP to think that only revolving accounts reported. I could have added an emoticon. Nothing wrong with me being a little bit more accurate next time
  6. My mortgage isn't a revolving account either, but I assure you it reports. I'm sorry I was not technical enough for you.I never said your mortgage account did not report. Without being some type of revolving,rental information OR installment loan there can be no ''Late'' Payment information reported. Just delinquent balances.
  7. I was thinking of doing that in regards to chase. Another 6 months to a year and I will be past the 5/24 for sure. Do you think I should do a CLI now and then once past the 5/24 apply for another card with them? I have like 3 of those 5 dropping off at once from a past app spree. As far as Amex goes I was referring to suggesting a card that may have looser underwriting guidelines. Rewards is something that I have not been taking full advantage of (Partially due to my inability to get approved for some of them) but besides Freedom Disco and Venture cash back is all I have. I don't travel. Only thing rewards wise I could use is Dining, Fuel ect. If you have 3 of the 5 cards from the 5/24 rule dropping off at once in 6 months, then you have no problems applying for a new non-Chase card now The AMEX BCP gives you 6% cash back up to $6K in purchases on groceries, 3% cash back on gas and at select department stores. It also gives you the awesome AMEX warranty and purchase protections. And access to the AMEX offers which may or may not be beneficial to you. Yeah that would be awesome as far as Amex goes. Right now I have 5 accounts in the past 24 months. In 6 more months 3 of those accounts will be older than 24 months. Is something going over my head? Lol
  8. Yeah I heard about Alliant. Thanks for reminding me of that. Always hitting up Syn and Disco. People with clean reports are getting the best results from Alliant. Some are getting 30-40 points. If you could just get 15 you'd be in the 700 range which to me is a huge milestone (not personal, but in creditors eyes) You can also look at the balances you are carrying and see if anything can be helped by massaging them. Do you have balances on lots of cards, are any cards over 50% etc. Only two cards will have balances when applying. One will be over 50% and one will be at like 20%. Can you link me to that alliant thread please? All the balances are from a remodel that I did and are on a promotional balance transfer offer. I plan on having them paid off by the time they expire. At least it will be a real excuss for the underwriters
  9. I was thinking of doing that in regards to chase. Another 6 months to a year and I will be past the 5/24 for sure. Do you think I should do a CLI now and then once past the 5/24 apply for another card with them? I have like 3 of those 5 dropping off at once from a past app spree. As far as Amex goes I was referring to suggesting a card that may have looser underwriting guidelines. Rewards is something that I have not been taking full advantage of (Partially due to my inability to get approved for some of them) but besides Freedom Disco and Venture cash back is all I have. I don't travel. Only thing rewards wise I could use is Dining, Fuel ect.
  10. Yeah I heard about Alliant. Thanks for reminding me of that. Always hitting up Syn and Disco.
  11. Not that I have ever heard of. It's not a revolving account so I don't see how that would be possible.
  12. CITI looks better chance wise than any other lender I would be interested in so far...
  13. Thanks. I Was thinking about trying my chances with AMEX Never have had an AMEX before. What card would you suggest? BOA will be a no go due to me including them in BK. I also planned on a CLI request from Chase. I use the card exclusively and run it up to it's limit every single month and PIF for the last year now. I went from 2000 to my current limit of 10K about two years ago. My utilization and general condition of my reports have prevented me from pushing my luck until now. I see a CLI to 15 or 20k with them.
  14. Was wondering if anyone could give me some guidance on any lenders that I could go with that I am not currently with now or just what direction I should take overall to bettering my profile. My personal goal is to diversify into some lenders that are considered more ''prime'', if you will. I realize my CR is less than perfect so that's why I am seeking the opinion of others. Below is some information that will help you in your decision making. BK 2010 5 new accounts in 24 months. (2/24 6 months from now) AAOA - 5 years Util- 19% Inquires last 12mo - 0 Fico's - 684 (Within a few points across the board) No negative info since BK Closed and paid auto since BK Closed and paid personal loan since BK Current Revolving Limits Amazon - 10K Walmart - 10K Discovery - 14.2K Navy - 20K Crap1 (Venture) - 20K Crap1 (QS) 12.7K NASA - 30K Barclay - 23.2K Chase - 10K Chevron - 15K Lowes - 17K Navy CLOC -11.5k Any guidance?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines