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Everything posted by CTAmigo

  1. Applied for Walmart and got approved for 700$ Discover denied me... Dumb me applied before working on getting collection removed.
  2. 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
  3. 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. 3-5 business day response turned into a DECLINED same day. They cited a collection being filed (this particular company added collection on report in Oct or Nov), delinquent past or present credit obligations with others (CO student loans to to the tune of 30k), derogatory public record (which I have NONE), number of inquires (12 now... gotta B* TU), and number of accounts with delinquency. It was a wake up call, after a wake up call, because even after making it to 622 I still have a number of things to do to improve credit, i.e. Getting this last collection removed and try to get negative marks off of student loans, then move on to charged off cards. I app'd for DCU so hopefully I can join the ranks of their membership and get another secured card through them and try to build up revolving portfolio which consist of two cards right now.
  4. I have two open secured cards reporting positively. They hit six months in June. I apped to DCU so if I'm approved for membership I'll try to get a card with them Sent from my iPhone using Tapatalk
  5. If you move to NY after it's already CO do they still have to remove it? Sent from my iPhone using Tapatalk
  6. I have 5 charge offs from credit cards, a few lates on closed student loans, and a charge off from a rental contract for 10k. I was thinking of getting a secured loan at my CU just to add a positive account but didn't know if it was worth it? Any thoughts? Sent from my iPhone using Tapatalk
  7. Declined! And they pulled TU! Sent from my iPhone using Tapatalk
  8. I may have jumped the gun with apping. I went for go rewards MasterCard and got 3-5 day wait. Should have waited till Friday when my secured card balance was 0 Sent from my iPhone using Tapatalk
  9. In Dec with a 467, only thing I could get with NFCU was a secured card. 4 months later, 5-6 collections removed and TU 622 I was thinking of calling NFCU and seeing if they would unsecure the card. My hopes would be they would see it reported ( 3 times ). No lates. And a higher credit score and they would bump the $1k I have in account. Right now I only have $1500 in avail credit and I want to try to increase it. My other option is go to my other CU and get an unsecured card through them and ride my NFCU and WF secured cards out through December when they are supposed to unsecure! Sent from my iPhone using Tapatalk
  10. They are FICO scores! The FAKO scores are almost 100 points less than my FICOS! Sent from my iPhone using Tapatalk These are 100% FICO scores! Sent from my iPhone using Tapatalk NFCU is $1000 and WF is $500 Sent from my iPhone using Tapatalk
  11. I had an AMEX open from 2007-2009, so hopefully when I get my mess fixed I can apply again. I'll probably start with a charge card and work my way up. I had the delta skymiles card and when it was closed it was in good standing with perfect payment history (no lates). Sent from my iPhone using Tapatalk
  12. 2 Secured Cards Added 1 repo vanished (don't know how) 6 of 7 CA removed from reports Revolving balance decrease to 3%... The revolving balances were from CO credit cards still with original creditor. I still have 6 accounts (student loans) with late payments, 1 collection (recently settled and wouldn't do PFD but hoping to get removed in April), and secured cards are less than six months old. Still a work in progress! Sent from my iPhone using Tapatalk
  13. After 4 months and countless hours on the forum I looked at my scores and see that my TU has increased from 467 to 622. Thanks all. The hard work has just begun! TU 622, EQ 629, EX ICE Sent from my iPhone using Tapatalk
  14. Has anybody have NFCU unsecure card before 1 year time table? Since apping and getting secured card I had 4-5 collections removed from account as well as paid off co card that OC still had. Was wondering if I should just wait out additional six months or try luck... Sent from my iPhone using Tapatalk
  15. Spoke with two attorneys today from two different CA and hopefully everything goes as planned and "recorded". First company after stating they won't delete only for wrong addresses, I advised them that the address they were sending letters to and had on file for me was incorrect, received email while on phone with email that he would delete. Second company I have been faxing, emailing, and sending letter AND disputed which came back verified. I looked up their attorney from BBB complaint, called left message and emailed, and received a call back about 90 mins later. He told me to dispute and submit letter, I advised that I did and that it came back verified and he apologized after he saw that they did verify and he stated that he would put in again to have it deleted and send new letter. After these two collections come off, I will have one left. The one left I "paid" on their website after receiving a settlement offer through email but two days later they still have not debited payment from card and no one when I call in can provide much help and just states it should happen later. Lets see!
  16. I had a utility bill that the OC assigned to a CA. I paid OC directly. I sent DV letter to CA and then followed up with a call to CA a few days later. They stated that they will just update as paid and not remove TL. Should this TL be removed?
  17. So... I settled with a CA and before they excepted my settlement amount they pulled a HI on EX. Wouldn't haven't been so bad if I froze my EX like I was supposed to many moons ago! Up to 28 inquiries on EX with half off come July! It saved $200 off the original settlement they offered so I guess it was worth it! Sent from my iPhone using Tapatalk
  18. So yesterday I settled with my last collection agency! They would not agree to a PFD but it feels good to know that 1. I can't be sued (Still within SOL), and that my report may look better under manual review! My next step is figuring out what to do with a $10k co from a failed business lease/loan Sent from my iPhone using Tapatalk
  19. Original debt amount is around $1300. Willing to settle for 50%. State is CT
  20. I have a collection from CPS and they WILL settle with me, but they are not agreeing to delete from report. Should I still pay? I do owe the balance of what they are showing AND I sent a DV letter and they sent verification. This account is showing on all 3 reports, and it is last collection account. sigh
  21. CTAmigo


    Old auto inquiries. Half fall off in may! Sent from my iPhone using Tapatalk Wouldn't it be wwCBd? Oops... Typing to quickly Sent from my iPhone using Tapatalk
  22. CTAmigo


    What would Credit Boards do? Is there anything else I should could do to work on the off balance of previous CO or just waiting to 2018 will be key? Sent from my iPhone using Tapatalk
  23. CTAmigo


    I have 5 CO CC accounts (in regards to revolving) 1 AMEX that is positive (but closed) And 2 newly reporting CC. In June both new cards will reach 6 months and I want to try to thicken file a bit with more CC (maybe 1 or 2 more) but I am trying to stay away from junk (FP, Credit1, etc) and store cards because in the long run I don't think it will help much. No new scores, but in Jan/Feb my EQ Fico was around 520. Since then I have paid off the balance on two CO (which I believe was messing with revolving lines bc they had balance of almost $5k) also got CA down to one account (plus one that was erroneously reinserted on just TU). These are just the revolving accounts. Inquiries are 10, 27, 1 (TU, EX, EQ) which half of EX should be dropping in May. Sent from my iPhone using Tapatalk
  24. When I joined I didn't need my mothers husband info. They just ask how I had an "in" and that was that! In fact, when my mother joined she joined bc I was a member Sent from my iPhone using Tapatalk
  25. I disputed some things with TU online and the results of the dispute was... Nothing... After 30 days only thing that it added was "consumer disputes info". I had a PRA TL reinserted. I included letter they sent and nothing happened! Settled CO came back as verified and still shows a balance. Unsure of what next step should be... Sent from my iPhone using Tapatalk
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