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onemangang

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  1. Tell me about it. I worked hard for almost a year to deal with the inaccurate info and mistakes being reported on my reports. I tried to share all info I had, all my successes, and what I did to get where I am today. I was able to get cap1 to significantly increase the CL, upgrade the card to Quicksilver, but they wouldn't budge on the interest rate. It is one thing to share your experience, it's another to repeatedly mislead with questionable advice. Well my advice is based on the things I did and the results I achieved. The 120+ gain in points on my credit score, credit card limit increases, current limits, car loans, and interest rates all reflect my success. All of the progress I made... I achieved in just under a year total. So what ever I did works, and the fact that you seem to follow me around on this forum is laughable. Does it make you feel good to attack other people? What you are doing is a perfect example of what sucks about the internet. It allows people to say things to other people they wouldn't have the guts to say in person. Perhaps you are the one saying things you wouldn't have the guts to say in person? I merely stated facts in an effort to perhaps keep others who may be starting out from undue fear and pressure that they (because you say so) have to be over the top in their payment pattern to get ahead with a ccc. It's ok that someone expresses a different opinion than you, it doesn't mean you are being followed or should become irate. Intent was not to attack, my bad. Just wow I can assure you that were you and I face to face you would be absolutely silent. I wish there was a way to make that possible. There were no "opinions" being given here. Once again... READING COMPREHENSION! I achieved a certain amount of success doing things the way I did them. I stated in my posts "it worked for me." I relayed what was told to me by the employees of both Chase and CAP1. Both companies took note of my aggressive payment habits and I was told this weighed heavily on the decision to extend me a greater credit limit. EVERYTHING I did was rewarded. That is not an opinion... it's a fact! I accomplished a lot in under a year. If someone is capable of duplicating those results then great... good for them. If a persons financial situation precludes them from being that aggressive with there payments then don't follow the method I used. I did nothing but relay my situation, method, and results. So I don't see where I "mislead anyone with questionable advice." It's a very simple formula... pay your bills. The quicker a creditor see's their money being paid back the more they will extend you.
  2. Tell me about it. I worked hard for almost a year to deal with the inaccurate info and mistakes being reported on my reports. I tried to share all info I had, all my successes, and what I did to get where I am today. I was able to get cap1 to significantly increase the CL, upgrade the card to Quicksilver, but they wouldn't budge on the interest rate. It is one thing to share your experience, it's another to repeatedly mislead with questionable advice. Well my advice is based on the things I did and the results I achieved. The 120+ gain in points on my credit score, credit card limit increases, current limits, car loans, and interest rates all reflect my success. All of the progress I made... I achieved in just under a year total. So what ever I did works, and the fact that you seem to follow me around on this forum is laughable. Does it make you feel good to attack other people? What you are doing is a perfect example of what sucks about the internet. It allows people to say things to other people they wouldn't have the guts to say in person.
  3. No sweat. Just make sure you pay the card aggressively... buy gas and then as soon as the purchase shows up on your cap1 ap.... PAY it in FULL. Do that several times a month and I am sure the limit will receive auot increase in 6 months.
  4. Tell me about it. I worked hard for almost a year to deal with the inaccurate info and mistakes being reported on my reports. I tried to share all info I had, all my successes, and what I did to get where I am today. I was able to get cap1 to significantly increase the CL, upgrade the card to Quicksilver, but they wouldn't budge on the interest rate.
  5. Encore, encore! One more thread, just change the title? Removed obscene language
  6. 19.9% :-( sucks. other cards are between 9-14. Cap wont budge ob the interest rate as of now. fortunately i never carry a balance.
  7. I started 1 yr ago with cap1 credit rebuilder level card. 300 limit. after 6 months of aggressive payment habits I received and ACLI of 600% to a CL of 1800. Last week I called about getting my CL increased to match my other cards which range from 15k-21k. Cap1 came back with an offer to raise my limit to 10K. Absolutely will not budge on interest rate though. Also upgraded card to quicksilver.
  8. 1(800) 955-1455. Calling worked just fine for me!
  9. That is exactly what I did. It kind of goes against conventional wisdom of "always carry a small balance" but it worked for me. Once in a while I might let two charges build up... say maybe get as twice, but I always paid off the entire balance several times a month. As I stated earlier... both capital one and chase made mention to me of my aggressive payment habits, and I saw the reward via dramatic CLI. Now as I said I have good scores and high income, but this all started when I had lower score (620) and a 300 limit. ^ months of aggressive payment history got me a 600% ACLI from cap1
  10. Yes... thanks. I pay all my cards in that manner, and all have grown significantly!
  11. Yeah... I had read that some people had the builder card for 4-5 yrs and never got the card higher than 700 bucks. The people I spoke to at cap1 both told me my aggressive payment habits contributed strongly to my cli's
  12. tell me about it lol thanks!

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