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Ukley72

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  1. I’m considering applying for a revolving credit line for a project. I’ll likely use an existing credit union or bank account for a secured loan. Can anyone tell me approximately what monthly payments range around, as a percentage of the balance or limit amount?
  2. I’m looking to finance or lease a new car, FICO is pretty good, but I’m around 15% from maxed on credit cards. I’m thinking about using Lending Club, One Main, Avant, etc., to consolidate balances, and thereby lower utilization. Would that be useful for getting approved (and better rates) for auto credit?
  3. I was under the impression that, for the purposes of applying for credit, it's valuable to have correct and current employer info. I do see the privacy concern this raises, though.
  4. In my credit report, my employment info appears very out of date. How many jobs and/or how many years back is it a good idea to go when I'm supplying corrected information? Also: does supplying info about several previous employers reflect well or badly on credit, if I've changed jobs every several years? And: do the terms on which I left jobs have a bearing on credit and whether I should give info regarding certain jobs?
  5. I'd like to dispute several items on my credit report through the credit bureaus. The three major bureaus have online forms to do so, and all ask for sensitive personally identifying information (e.g., SSN, address, etc.). I realize the bureaus may already have this info, but if not, I'd prefer not to share it. Is it possible to dispute via paper correspondence (or some other means) without divulging these details?
  6. Do airline miles cards (e.g. Capital One) allow you to combine miles with existing miles you have through an airline?
  7. Folks, thanks much for all your advice.
  8. I received a pre-approved offer for a rewards credit card from a bank I use for personal checking and savings, Wells Fargo. I've had a relationship with them for years, get my pay direct deposited, and typically maintain an average monthly combined balance of a couple thousand dollars. Is this a good card/bank for building credit and CLIs? As I've previously posted, I'm rebuilding credit after bankruptcy (Chapter 7, discharged a year and a half ago). I've got two credit cards, accounts opened through mailed offers: credit lines below $1000, have been using them, keeping utilization ratio around 60%, and paying off balance in full each month. Currently, my balance is $0 on both cards, in anticipation of applying for this offer.
  9. Thanks for the input, all. I also have an offer from my bank, Wells Fargo; I've been with them for a long time, maybe they'd be more likely to do CLIs down the road?
  10. I'm rebuilding credit after bankruptcy (Chapter 7, discharged a year and a half ago). I've got two credit cards, accounts opened through mailed offers: credit lines below $1000, have been using them, keeping utilization ratio around 60%, and paying off balance in full each month. I've started receiving offers from Capital One, probably intended for someone who is rebuilding or has OK credit. Ultimately, I may be interested in their "miles" card, which typically requires excellent credit. Would getting their 'entry level' card improve my chances of getting the miles card? Or might it hurt because I'd have more open accounts?

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