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MsIndependent

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  • Location
    NYC
  • Interests
    Hiking, backpacking, acting.
  1. MsIndependent
    New York
  2. MsIndependent
    New York
  3.    Kat58 reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  4. MsIndependent
    Making good progress. I have paid my overall credit card down and my utilization is around 30%. My Experian FICO 8 is 723 as of May 24th, it was 667 a month ago. Thanks for the great advice! Discover did lower my interest rate, but I've marked my calendar to try again in 6 months. Based on @Kat58 's feedback, I should have some luck. Thanks for the great info!!
  5.    MsIndependent reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  6.    MsIndependent reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  7.    nemo reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  8.    kaylee34 reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  9.    smartlypretty reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  10. MsIndependent
    Interest rate reduction on Discover! Sent an email to all my creditors to request an interest rate reduction/review. Discover agreed to do it! Email: BC - (EO) executiveoffices(at)discover(dot)com TO - CEO Email: rogerhochschild(at)discover(dot)com Asked for my late to be removed and my APR to be reviewed. Got a nice message that my reduction was approved. Effective in two days for all new purchases. No news on the late being removed. Fingers crossed.
  11.    hegemony reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  12. MsIndependent
    @cv91915 That makes sense. Thanks for clarifying. @IndyPoolPlayer Ah! Interesting. Good to know. Sorry about Mama Bear. #CancerSucks indeed @hegemony I wasn't sure, hence the question mark. There was a hegemony who was helpful to me back in 2007. Mix up on my part. Mea culpa.
  13.    cashnocredit reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  14.    smartlypretty reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  15.    smartlypretty reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  16.    hegemony reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  17. MsIndependent
    Let me add my current circumstances for context on paying down my debt: Ahead of the COVID-19 pandemic, I began working remotely from California (I live in NYC) to help care for my mom who was diagnosed with advanced stage cancer. I got here on the 11th of February. I, of course, am still paying all my bills in NYC. However, my recreational activities have been NIL for two months, ahead of the shelter in place orders. I also got a raise and my bonus payment during that time. So...mo money, mo money, money. Bills I am paying are rent, mobile phone, electricity, and internet.
  18. MsIndependent
    @kaylee34 It happened over the last three, not six. I had two miscarriages (first in April of 2017) and two failed IVF treatments (not to mention about 6 failed IUI treatments). So my focus was elsewhere. Some days it was all I could do to get dressed and go to work. @cv91915(hegemony, right?) Points taken. The AMEX comment is in reference to the last/previous post to my update. BDK wrote "Congrats! Remember, Amex is a PIF-kinda company..." I was mostly being cheeky. What is the action that the term "rate jacking" depicts? I must have misunderstood it
  19.    hegemony reacted to a post in a topic: In Pursuit of High Scores and Higher Limits
  20. MsIndependent
    I'm baaaack. A pandemic seems like a good time to dust off my credit and increase my scores (again). Amex is INDEED a PIF kinda company. They closed my account last year. I'm still paying off the card. Things I am working on now: Reducing my utilization on all my open cards (Barclays, Citi, Union Plus (Cap 1), Discover, Chevron Visa (Sync), and Target RedCard) Pay off my closed (Amex and Paypal(Sync)). Also, have some 30 day lates (5). Two will drop (SOL) this year. Two are on the closed accounts and 1 on Discover. I want to work on lowering
  21. MsIndependent
    In what state do you reside? The National Collegiate you should try the one-two punch. PM and I can share more of my personal experience with them. Transworld is on her credit report before sending a dunning letter? I would get a letter out to them and the credit reporting agencies citing the violations. Agree with the others, she is going to need some positive accounts.
  22. MsIndependent
    APPROVED!! AMEX preferred for $10K. Higher limits indeed. My first AMEX card. I kinda want to frame it when it gets here (free expedited delivery). Would that be weird?
  23. MsIndependent
    Pulled myfico.com Experian for a rent application. 695. Need to lower my utilization. Not bad from where I started in January...
  24. MsIndependent
    New Increases: Paypal increased to $2100 Walmart increased to $1600 Chevron increased to $850 Have been focused on paying down the balance on private student loans. I have three. All with balances higher than the original loan amount, so getting them under that and then paying them off one by one is the plan.
  25. MsIndependent
    B* History EQ and TU are CLEAN, CLEAN, CLEAN Baddies remaining Barclays Upromise - 30 day late from April 2012 Target - 30 day late from late 2013 Citi - 30 and 60 day late from late 2013 High Utilization on Upromise That's all folks...
  26. MsIndependent
    Congratulations!!
  27. MsIndependent
    Congratulations!! ...subscribing to this thread. Keep up the good work!

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