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j7n1o7

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  1. Do you have the arbitration process that you used? Sent from my SM-G991U using Tapatalk
  2. Thank you CV! Sent from my SM-G965U using Tapatalk
  3. I just checked the fine print, gift cards are NOT considered an "eligible purchase". Sent from my SM-G965U using Tapatalk
  4. Thanks Centex...Tried utilities they dont accept AMEX either. Oh rest assured Im not carrying over a balance. Learned that from many of you on this forum! Sent from my SM-G965U using Tapatalk
  5. So Im FINALLY starting to get decent CC offers. I just received a pre-approval offer for a Delta Amex. Since Im going to be traveling more this year, I think Im going to get it. They're offering 70,000 bonus miles if I spend $2k in the first 90 days. I was going to just pay our car notes for the next 3 months with the Amex and that would put us over the $2k limit. Unfortunately, the finance company doesnt accept Amex as a form of CC pymt. I was wondering aside from every day spending, what other creative ways could I use to break the $2k limit. Sent from my SM-G965U using Tapatalk
  6. Does this apply to charge offs? I was under the impression that paying off a closed or charged off account could actually hurt your scores. Sent from my SM-G965U using Tapatalk
  7. Portfolio and Midland will work with you. Plus they will delete the account from your reports once you meet your obligation. I would start by offering them 25% of the balance and they'll negotiate from there. Good luck! Sent from my SM-G965U using Tapatalk
  8. Thank you! I have 3 credit cards with balances. Two will be paid off entirely leaving one that will still have roughly a 9k balance out of a 15k. Plan is to have that down to under 5k by the end of summer. Sent from my SM-G965U using Tapatalk
  9. Currently all 3 FICO scores are in the 670 range. I just received my annual bonus and I want to use a good portion of it to reduce my utilization. My current utilization is 32% and I plan to pay it down to 18%. Will this move the needle at all for my scores or do I need to get down to single digits? I have one remaining negative acct that is due to fall off in June. Sent from my SM-G965U using Tapatalk
  10. Friend of mine used them for his boat. I have no experience with them. Perform your due diligence. https://www.sefinancial.com/recreation-lending/boat-loans-bad-credit/ Sent from my SM-G965U using Tapatalk
  11. Portfolio will work with you. Call them and settle to pay for a lesser amount. Set up a payment plan. Good thing about them is they'll delete the collection from your reports once the balance is paid. Sent from my SM-G965U using Tapatalk
  12. When calculating credit utilization, is an authorized user's account factored into that? Ive seen on one CRA's website that they do NOT include AU accts when factoring utilization but Ive seen numerous other places that its included. Sent from my SM-G965U using Tapatalk
  13. What is Metro 2? Sent from my SM-G965U using Tapatalk
  14. Has anyone actually tried to make the suggested payments on your revolving/open accts to see how accurate the MyFICO simulator is? Sent from my SM-G965U using Tapatalk
  15. You can also settle for a lesser amount and they'll still delete. Offer them 40% of the total. Sent from my SM-G965U using Tapatalk
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