Jump to content

stroked89coupe

Mod Squad
  • Content Count

    4,776
  • Joined

  • Last visited

About stroked89coupe

  • Rank
    Troll Patrol
  • Birthday 05/24/1988

Profile Information

  • Location
    Georgia

Recent Profile Visitors

1,882 profile views
  1. Hey, It looks like most of the cards or accounts posted are PG'd or Personally Gauranteed. These are all based off of your personal credit and often don't even report to the Business Credit bureaus if you have not already take a look at the following article and it may give you some insight. https://creditboards.com/forums/index.php?/topic/476200-the-new-guide-to-establish-business-credit/
  2. Welcome to CB! We are super happy to have you!
  3. It's been a while since I have been on CreditBoards. After a few different recent app's submitted, Mainly with Synchrony, it's obvious some things have changed. No surprise there after being MIA for years 🤪. I wanted to post this information, specifically regarding the Sams store card / Mastercard up mainly to eliminate any confusion when applying for any Synchrony cards, or any cards with this exact verbiage for that matter. This REALLY through me for a loop on one of my recent app's. Back a few years ago this was not applicable and was not required on certain apps I had personall
  4. I have the Store card already with no PG. I am just about to head up there to apply for the MC. Does it have an option yet to apply for either the store card or the MC? Nothing really seems to be set in stone regarding upgrading from a store card to the MC if that is even possible. Some stated they already had a store card then re-applied and were simply approved for another store card but then some have said they were able to call in and get it converted if that happened as long as the approval was recent. Do you have a store card as well? Instant approval?
  5. We use deluxe sometimes. I don't think they offer credit accounts though. Never checked into it.
  6. 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.
  7. 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?
  8. 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.
  9. 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
  10. 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.
  11. 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.
  12. 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%. Ca
  13. 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.
×
×
  • Create New...

Important Information

Guidelines