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  1. It helps your credit score by having a positive tradeline being reported. Do you have any other revolving accounts? There are many other factors that affect your credit score such as age of accounts, utilization, making on time payments, etc. Sent from my SM-N950U using Tapatalk
  2. Submit the dispute and upload any proof you have. Speak with a representative/supervisor to see if they can process it quicker. Did you receive the title yet or any other documents proving the account has been paid in full? Sent from my iPad using Tapatalk
  3. You are gonna have to let the lates slowly drop off. The negative account in 2017 is hurting you the most. At this point maintain your current accounts, keep your utilization low, keep your accounts current, and let them age. Are these your only bad accounts? How many positive accounts do you have? Sent from my SM-N950U using Tapatalk
  4. I would also look for a secured card that graduates to help with the age of your accounts. State Department Federal Credit Union has a decent secured card with a low APR but it doesn't graduate. The first secured card I got was the Kickback Card by FBNO after my BK in 2013. It is now unsecured and has a decent limit. Sent from my SM-N950U using Tapatalk
  5. I would leave them open and continue to request credit limit increases on a regular basis. If you notice a jump in your score I would also request another increase if you havent received one in the last 6 months. Dont let them stay dormant too long. Sent from my SM-N950U using Tapatalk
  6. Thanks for the input. I will leave them alone and let the lates fall off on their own. Sent from my SM-N950U using Tapatalk
  7. These are all student loan lates that were paid off when I consolidated my student loans. The consolidation payment was received in October 2012 and the accounts were all closed shortly thereafter. Sent from my SM-N950U using Tapatalk
  8. No specific credit needs in 2019. After these accounts I have maybe 4 negative tradelines left and my BK that was filed in February 2013. No other negatives or lates since my BK filing date. The other negative tradelines will all fall off no later than February of 2020. Sent from my SM-N950U using Tapatalk
  9. I have a few accounts that were showing as 60 90 and 120 day late then closed back in 2012. Now they are showing 60 90 120 on time and on time. Should I dispute the accounts and request an early removal or should I leave alone and let the lates gradually update to on time/ok over the next few months? I'm at a crossroads as to what to do. Sent from my SM-N950U using Tapatalk
  10. Is the collection account related to an account that was included in your bankruptcy or doe an account that you didn't pay after your bankruptcy? Sent from my SM-N950U using Tapatalk
  11. Depending on your monthly banking activity you might want to also consider a rewards checking account. Some pay 3-4% but have deposit caps between 10k-20k. Sent from my iPad using Tapatalk
  12. Also look into a credit union or talk to your bank to refinance your vehicle. Sent from my iPad using Tapatalk
  13. One thing I would do differently is base my budget on the lowest monthly income received in the past 6 months and set up a plan of action for payoffs in excess of that amount. I wouldn’t use the average as my baseline if my lowest income in any month was less than my average income. If the plan is to focus on saving money first, I would work on paying off the high interest debt first. This could include paying off a lower apr account first to take advantage of any BT offers and/or increased payments toward the debt. Sent from my iPad using Tapatalk
  14. What options do you have locally? Compare and contrast the features of each. Alliant is not bad and Consumers Credit Union or WyHy is a decent option for Rewards Checking account Sent from my SM-N950U using Tapatalk
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