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Everything posted by CTAmigo

  1. I know Fuerza lol Sent from my iPhone using Tapatalk
  2. I applied for a USAA CC and was denied and was countered with secured version. Right now I have a $1000 secured NFCU $500 secured WF $700 Walmart and $800 Amazon cards. NFCU and WF were opened in Dec 2013 and according to both companies should graduate in Dec 2014. Should I open a USAA (500$) secured to build that relationship with them or just keep what I have? My TU FICO is 652 (according to Walmart), but I have a $30k co from SL that the past due amount keeps updating. I haven't made a payment since 2010/11. Sent from my iPhone using Tapatalk
  3. B*ing inqs from my reports and what do you know... 8 fell off of Ex. I guess it was time for them to come off Sent from my iPhone using Tapatalk
  4. Just about... I wish I could pay the full $8k, but because of this charge off, I'm unable to get a loan or any new credit. Sent from my iPhone using Tapatalk
  5. I stopped paying in 2010. In CT the SOL is 6 years. It's been charged off for some time, I just recently received a call from a CA that was hired by SM and told that I have $1400 in avail credit and I should charge the card up and make a payment today. That call didn't go to well... Sent from my iPhone using Tapatalk
  6. If I can get SM to accept a $8,000 settlement for $32,000 in student loans over a 12 month period is it worth it? I was thinking of paying $2,000 up front and paying $500 a month for twelve months. Right now getting any type of new credit is difficult due to this large past due outstanding charge off Sent from my iPhone using Tapatalk
  7. Anybody have anything similar happen before? Sent from my iPhone using Tapatalk
  8. I am in Connecticut. I have an accounts at Chase, NFCU, Capital One 360, Wells Fargo (2nd Chance), and a local CU. I wanted to try and get in with other CU to build a relationship to eventually build credit portfolio. Sent from my iPhone using Tapatalk
  9. [emoji17] no settlement because the account is closed. The only thing I can do is wait till next Dec until it clears from system or pay in full or set up payment plan. Sent from my iPhone using Tapatalk
  10. I also have a Wells Fargo on report from 2008 that says paid which was an error on their part, as well as a USAA that says closed 2013, when the account was closed in 2011 and paid 2013! Sent from my iPhone using Tapatalk
  11. I have a BofA incident in EWS which I am positive is in Chex as well. I let my account close with $470.96 balance and they added $560 in fees. This happened Dec 2011. This has been the main factor in being denied new accounts with some banks and CU and I plan on paying settling today. After settling this, how does my ability to open new accounts look afterwards? Sent from my iPhone using Tapatalk
  12. Oops... Forgot to mention I'm getting married... House was after wedding [emoji16] Sent from my iPhone using Tapatalk
  13. In CT it is 6 years for written contracts (which I believe this would fall under). I would love to get a loan and pay the settlement amount which is around $8k. The plan is to purchase a house next year, I would love for it to be in both of our names, but she has the income and score to qualify on her own.
  14. Yes, These are privated students loans.
  15. In Dec my credit score was a 467. Today my credit score is a 666 with no collections. I still have charge offs on my report which I am looking to rectify which the main one coming from SM. I owe $32,000 now from student loans and I have not made a payment on this account since 2010. They have not called in sometime, but called today and told me I should make a payment and start with the $1,400 I have in available credit on one of my cards. Ummm, thats a no no. They first offered $20,000, and I told them I was unemployed and unable to do so, they then said $12,000 was the least they can take.
  16. Mon I will be heading down to BofA to try to get Chex taken care of. That will be next steps to getting some more Credit Cards at CUs. I have a balance with BofA plus I had a charged off card with them so I'll probably be unable to get an account with them in near future (CC $1300, bank $400 but ballooned to about $1200). I had Orchard Bank and Best Buy HSBC cards which probably knocks me off Cap 1 (don't like them since they pull all 3 anyway) and Citi Card CO was 4500 (that includes like $1800 in fees and interest) so I'm probably black listed there as well. Credit Score on TU is now a
  17. In the past 5 months I have removed the 7 or so collections that were on my report. My score has increased 155 points since then. In Dec, I started with a NFCU ($1000) and WF ($500) secured card, and since then I have opened an Amazon ($800) and Walmart ($700) store cards. I made the mistake in trying to apply for cards with one collection still on report and were denied for them. With the collections off, my next step is tackling the $30k CO I have with Sallie Mae (for a Private Loan) and $10k from a business appliance leasing company. SM agreed to settle for $16k in one lump sum (which
  18. My report is not pretty, but it's much cleaner than it was. Six collections removed has helped catapult my score, as well as a repo that miraculously disappeared, but I still am being held back by this one last collection. Even after it disappears, I will still have many 30, 60, 90, 120 day lates from 3 years ago, as well as 5 CC charge offs, and 2 charge offed student loans totaling 30k. But I feel like this collection is doing the worst from me. Still proud of where I made it from (467) but I know much more can be accomplished! Sent from my iPhone using Tapatalk
  19. Was is 90 days from when you applied or after you activated? I just got my walmart store card and purchase a drink. I have no other real usage for it.
  20. I don't think I will app till Jan. EX is on ICE right now, but I have about 28 inquires from auto apps. Found out about CB just a few weeks too late. Good to know about inquiries though. I thought they might have put some emphasis on it.
  21. If one is going to app for an Amex, how many inquiries is too many for a charge card vs revolving card?
  22. Applied for DCU... Membership. Denied... I have an old BofA in Chex that they mentioned Sent from my iPhone using Tapatalk
  23. Applied for Walmart and got approved for 700$ Discover denied me... Dumb me applied before working on getting collection removed.
  24. Yay, there is hope for me! I have 3 baddies all student loans. Have you ever tried to get your student loan baddies removed? I have tried. No luck right now Sent from my iPhone using Tapatalk
  25. After netting a 155 pt increase in 4 months, I had to really think about what steps were next and what I wanted to achieve. My major goal is to purchase a home in summer 2015 and in order to do so, I have to plan on handling these last negatives, as well as increase score higher, which will come with time. I have a collection that was just settled, not with a PFD that I am sure I can get off by end of April. The bad thing I did after my 155 point increase was immediately app with NFCU hoping they would give me an unsecured card, to add to the secured card that I have with them already. 3-
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