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Everything posted by tatianna8020

  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.
  11. Oh and BTW, worth mentioning... I read to ask the creditor ( cc company) 1. Do you report monthly charges? 2. When do you send down the AR tape to the CRA's? I was wondering why Cap1 was reporting my total monthly charges even when I PIF a week before the statement date and wouldn't use it until it reported tot he CRA's. Well after reading this I see why!! I am being super with my credit, I have worked so hard and got amazing results! I love CB cause I can come here and vent, plan out load and get educated!! CB rocks!!
  12. I am currently active with a CU now. I have been for quite sometime. I haven't app to any of their cc because the terms SUCK!! and they offer only Visa products. I already have a Visa. I would like to own one of each breed of sharks . What my CU do have that is beneficial are the car loan rates!! So far they are the best that I have seen. I have been hearing a lot about NFCU, PenFed, USAA and one other but can't recall it right now, cool thing is that my Dad was in the Navy but problem is when I try to apply for any membership for said above entity's he is not an active member with them, s
  13. I am truly honored to have you Congratulate me and keeping a good eye !! If you don't mind I may have an auto app coming your way soon!!
  14. Update!! All 3 CR's are squeaky clean!! I unfroze Experian and went on a mini app spree. I applied for Chase Freedom, Citi Diamond Preferred. Both of these cards I knew I wasn't going to get. I was too anxious. I didn't mean to apply for the citi diamond, I really wanted the A*Aadvantage Gold. I called both for recon, and still declined due to lack of credit history. I even asked if Citi can use the recent HP for the A*Advantage card, lady was not very nice. So I will just be happy with my Amex and as they say here in CB universe "going gardening for awhile". My EX score dropped 4 points
  15. Sorry No need to be sorry! I have a sense of humor!! They do say Live, Laugh Love right!!! and the day that we can B* experian we all will Drink and be merry!!
  16. OP I feel your desire. I pulled the trigger and wish I wouldn't of bothered with Citi. I was declined due to lack of credit. My EX fico was 748. ( I only unfroze EX) I called the back door #, I was so annoyed at the rep. She told me I only have one cc, payment history is excellent, utilization is low, BUT my length of credit history is too new. My oldest acct is 6 months. I explained everything I could but they don't budge. I couldn't even request that an UW take a second look @ the app, or even use the same HP for one of their other products. I felt like they had an arrogant Ora about the
  17. And even today this April fool joke is still fooling
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