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choppa02

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  1. Yes local CU I have a chk and sav account with. On the phone they did mention I'm not two years past my ch 7 but didn't specify that being why I got denied.
  2. I haven't attempted to ask ollo for a cli because they bumped me from $500 to $2000 after 6 months. I've been paying them down by %10 each month so it's only been 1 month at the current utilization. I've tried online with cap 1 and been denied one card says too early for increase and the other says score too low but the letter shows my score was pulled from may. Is there a number I can call so they can pull my current score?
  3. I'm a bit frustrated with my spacecoast credit union secured card. The website states you can apply for an unsecured card after one year of good use well it's been a year and 4 months of good use and I still got denied. I'm not really sure what to do next to improve my scores and get higher limits. Fico ex 666,eq 667,tu 670 Ch.7 discharged Dec 2018 Ollo $800/2000 1y 2months Cap1 $0/500 7 months Cap1 $0/500 9 months Target $0/500 7 months Spacecoast secured $0/300 1y 4months Auto loan 4 years
  4. This^^^ is what I would do. Others may do it differently. Do you have any derogs of any kind, or high utilization only? DO NOT ADD ANY NEW CHARGES TO YOUR CCs. I have no derogs, I definitely won't be using any credit. I definitely wasn't thinking about spreading the money across each card that's an interesting strategy thanks 90% utilization on a single card is considered maxed out. You should tweak the amounts on the Amex, WF, & Barclay to report at 89% max., to start with. After these 3 are paid down further you may be able to qualify for a 0% BT offer of some kind. Disco & Wally should be at 49% (that's what I was going for). Ahh ok I see what you're saying! Silly me was thinking about paying off WF and Amazon.
  5. This^^^ is what I would do. Others may do it differently. Do you have any derogs of any kind, or high utilization only? DO NOT ADD ANY NEW CHARGES TO YOUR CCs. I have no derogs, I definitely won't be using any credit. I definitely wasn't thinking about spreading the money across each card that's an interesting strategy thanks
  6. I went through a rough stretch last year me and my wife both lost our jobs and we were basically living off credit cards. We're both employed now but things are still a bit tight we're making min payments but the balances are going nowhere and the min payments are sky high. Through the help of family members we have about $8k to put towards the balances I just don't know which card or cards to use the money on any advice? Thanks Amex:$13,195 balance/$13,500 limit/22.24% apr WF:$7,500 balance/$7,500 limit/19.99% apr Disco:$4,367 balance/$4,500 limit/23.74% apr Walmart:$5,913 balance/$6,000 limit/23.65% apr Barclay:$4,975 balance/$5,100 limit/25.99% apr Amazon:$487 balance/$5,000 limit/26.74% apr
  7. Went ahead and re-enrolled 731 --> 752
  8. Lol I thought I was the only one checking everyday
  9. Congrats! Once I get past this phone number verification stage I'm sure I'll be able to move my $6000 limit to 10k as well
  10. I don't have a house phone unfortunately.I'm Which number? Adding your cell number is useless. They do NOT use TU to verify your cell phone. Ever. House phone they do. I dont have a home phone unfortunately. thanks for the info
  11. I added my number to tu still no luck. I guess my cl will be a 6k for a long time
  12. I'll give eq a call and update my number worth a try thanks.

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