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srloring13

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  1. srloring13

    tracking credit scores

    How often you track your score will depend on you. Personally I used MYFICO because I wanted to see the effects of certain credit related information had on my score, especially major changes such as the removal of derogatory information and significant changes in account balances etc. I also opted to look/obtain credit cards that also gave free FICO scores to monitor my scores when I halted my subscription on MYFICO. Sent from my iPad using Tapatalk
  2. srloring13

    tracking credit scores

    The general consensus is to request paper reports directly from the CRA especially if you will be using the report to dispute information. Initiating disputes from the free credit report from annual creditreport.com gives the CRA a longer period of time to respond to disputes. If you meet certain criteria, the report you get from the CRA can be free. Sent from my iPad using Tapatalk
  3. srloring13

    tracking credit scores

    Knowing your beginning scores can help you visually see the progress you made/are making towards your credit rebuild. It also can help you identify or research which cards you will most likely get approved for based on your score. Sent from my iPad using Tapatalk
  4. srloring13

    TransUnion question, how to proceed?

    Have you tried calling them to check on the status of the dispute? Also request the results to be mailed since you cant access it online. Sent from my SM-N950U using Tapatalk
  5. srloring13

    I graduated!!

    Congrats. What credit limit did you start off with? Sent from my iPad using Tapatalk
  6. srloring13

    Debt Consolidation Loan offer

    Also include the monthly payment on the debt consolidation loan vs the current minimum on your current cards. It may make more sense to use the consolidation loan payment as your new monthly minimum payment on your current credit cards. Pay the minimum on all except one and the remainder of the payment on the one account until it is paid off. Snowball the payments. Sent from my SM-N950U using Tapatalk
  7. srloring13

    Off the AMEX BL

    I IIB American Express on 3 accounts in June 2013 and I got the Blue Cash Everyday card March 2018. My experian FICO which was the lowest was at 651. Got offered 2 cards when checking the prequal. Sent from my SM-N950U using Tapatalk
  8. srloring13

    Navy Federal (NFCU) approved but...

    Use the card and pay off the balance. In about 6 months when you request a CLI, the limit should be much better. They started my sister with a low limit as well but after 6 months they gave her an auto increase to a more usable limit.
  9. srloring13

    DCU Credit Reporting

    have you tried requesting a manual update? If not, just hold off on the mortgage app until after the next monthly reporting date. How much did the UT reporting affect your mortgage scores? If no significant change that affects your APR, then dont worry about it now.
  10. srloring13

    I am new and need advice

    What is the date of first delinquency on your accounts? What state are you in? Do you have any open installment loans? Sent from my SM-N950U using Tapatalk
  11. srloring13

    great credit but collection coming soon if I don't pay

    Have you tried setting up a payment arrangement? Sent from my SM-N950U using Tapatalk
  12. srloring13

    I Don't Know Where To Start...

    Don't close any cards until your UT is less than 5%. You don't want your score to go even lower if you have a high utilization. Calculate your UT assuming you are closing the card with the highest fees. How old are the accounts? It's best to have at least 5 major credit card excluding store cards for FICO purposes. Sent from my SM-N950U using Tapatalk
  13. srloring13

    Rebuilding Credit - Advice Please

    If you paid DirecTV directly then the collection company should remove their entry from your credit report. Have you tried disputing the collection and/or requesting DirecTV recall the collection/account from the collection company. Sent from my SM-N950U using Tapatalk
  14. srloring13

    Accounts considered new time frame?

    Time. You have to be patient, let your accounts age, and stagger your applications/new accounts to avoid a huge drop in your AAOA. Sent from my SM-N950U using Tapatalk
  15. srloring13

    Did my first dispute...results not clear

    To understand what changed you need to look at the payment history on the account before and after the dispute. I don't know why you disputed the late if you were indeed late on the payments. You should have tried a goodwill removal request with the original creditor and/or early exclusion of the negative information for the ones that happened in 2011 with the credit bureaus. Sent from my SM-N950U using Tapatalk

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