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tatianna8020

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About tatianna8020

  • Birthday 05/31/1979

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  • Location
    New York
  • Interests
    Clearing up my credit!! Goal is 750+

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352 profile views
  1. So much has taken place since the last time I was here in this thread. I have accumulated 7 inq's on experian and got approved for 4 CL. Not bad. Darn you Chase and CIti I froze ex until well next year I suppose! I start going after lenders that only pulled ex or trans... not bad I got 4 CL!! The sad thing is that I started to become addicted to applying to cc, I enjoyed the adrenaline and calling lenders through " back doors" just to hear Congratulations Tatianna you have been approved, your credit line is... The adrenaline is real! I have all kinds of companies monitoring my credit, I can
  2. Applied and instant approval on Sunday already reported to Ex and Trans today.
  3. pan·a·ce·a ˌpanəˈsēə/ noun a solution or remedy for all difficulties or diseases. "the panacea for all corporate ills" synonyms: universal cure, cure-all, cure for all ills, universal remedy, elixir, wonder drug;
  4. While on my journey to credit repair, Amex was one of the MUST have cards along with MasterCard. Back in my retail days, as a cashier, anyone who paid with an Amex was rich! I once got handed an Amex Black card and almost Sugar Honey Ice Tea'ed my pants. She was a woman .... So yes I will admit once I was ready to take the dive to app for some cc's after my cap1, I went for Amex! I was very particular in the once I chose. Once that screen said APPROVED, I felt invincible!! So now that I have it, I feel a level of confidence, maturity and smart!! Now I app'ed for Chase slate and Citi who w
  5. This is an interesting thread and right on time. I unfroze all 3 credit bureaus for 15 days, I was going to lease a car, I refroze my experian after coming from the Acura dealership (since they ONLY pulled that) and applied for a Discover it cc, they were successful with pulling experian, I got approved!! I tried my luck with the shopping cart trick on Expedia, i was booking a trip, the cc that was being offered was citi MC, i was denied, I got email alerts stating that there were 2 new inquired on experian. I was really upset because I froze EX. Any suggestions on if I can dispute the cit
  6. Yes, so it should be. They didn't provide me with any paperwork stating how much they requested the bank to lend me, are they supposed to? The dealership should provide your with an AAN, They have 30 days to do so. Was she supposed to give me this the same day? Do they mail it? I believe the captive's decision remains active for either 30 or 60 days, regardless of another dealership's application submission on your behalf. Thanks good to know!!! Yes, 36 months. Yikes I was hoping that you say 12 months but hey have to start somewhere!!! Thank you for all your hel
  7. Hi Marv, Quick question, I went to lease my first car at Accura. Everything was going great, UNTIL I got into the finance office. I just want to make note that I wanted to talk withthe finance lady prior to running my credit, as I had some questions. That was not an option. Ok I get in the office and her deamnor was nasty, ok anyway. She looked at my application, asked basic questions and entered it in the computer, next thing I know she said your denyed, sorry and closed my file. I was shocked, U asked the following: reason: not enough credit history Score: 697 ( she said I qualifie
  8. I'm far from an expert, let me say that first. I do have something in common with you. And that would be repairing credit and the lack of credit education my parents gave me. When I started my credit repair journey back in august 2013, my scores were in the 400's.Now my scores are in the 700+. If you don't mind I would share with you some steps I have taken to build my credit. First try to get a credit card, SHOPAROUND, find a credit card that will work for you, one that you can mange. If you are getting denied for everything you apply for STOP, too many inquires will hurt your score, not
  9. big congrats!!! Feels great to have clean CR's!!!
  10. Uppdate!!! I just logged in to my Cap1 mobile app and WOOOHOOOOO my CLI request was approved. I requested 2K and I got it!! Thank Yippie!! Now I get to add to credit pulls! AGAIN!! I so wish i would have waited to apply to Chase and Citi. Oh well lesson learned. It is so important to pace on self! So plan still remains to wait until both cards are reported to all 3 CRA's, wait 6 months and then apply for my goal cards, request CLI with existing cards.
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