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californiadreamin

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  1. Can you give some insight into how you were able to place a security freeze? I have been searching their website and could not figure it out. I also called the number and there was no option for it. Thank you.
  2. Ding - I got assistance on this board regarding an attorney w I had the same thing happen to me regarding Dynamic Recovery. There is a law firm that I was referred to from another member of this board who agreed to help me. They took on my case and a few months later we reached a settlement. PM me if you are interested in their info. BTW, there was no cost to me..they likely negotiated their fees in the settlement offer.
  3. I logged into MPM this morning and noticed my Equifax score dropped 40+ points. I also noticed that my inquires now date back two years to 2013. As of yesterday they only went back to 2014. Did anyone else have this happen to them overnight?
  4. I logged into MPM this morning and noticed my Equifax score dropped 40+ points. I also noticed that my inquires now date back two years to 2013. As of yesterday they only went back to 2014. Did anyone else have this happen to them overnight?
  5. I truly appreciate the advice. It's only $500.00 and I am currently not needed the cash, so I will work on getting more prime cards. Since my other limits are all between 1,000 - 2,000, do you think that the 500.00 limit would hurt my chances in getting higher limits or is it a moot point since my largest limit is $2,000?
  6. I have a BofA Visa, Barclays MC, Capital One Quicksilver One MC and a Discover IT. I also have a couple of store cards as well.
  7. I got a SDFCU secured card at the end of June 2013. Fast forward to now and I called in to see about getting it unsecured. The told me that I had to apply for a regular credit card in order to keep the reporting history. Then they denied me!!!. Since 2013, I have obtained Prime cards, a car lease and a home loan. I am going to close the account and leave their CU, but I wanted to get some advice as to when I should close the card for maximum FICO effect. I read on this board that 2 years is good, but does it matter if I close it on June 11, 2015 and I opened it on June 23, 2013? I really appreciate all of the help that this board has given me to rebuild my credit...it's been a rocky road, but I made it!
  8. I was approved for the Barnes & Noble Mastercard in 2014 after having multiple Barclay charge-off's in 2008. Maybe it's a 6 year blacklist? I haven't app'd for another of their products since.

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