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dramaqueen

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  1. It's been a while since my last update but as they say, time heals all wounds. Many of my baddies have now fallen off due to aging. The worst thing that I now have on my reports are some student loan lates (180 days) and to add insult to injury in Sept. or October of last year one of my SL companies decided that they needed to duplicate my tradelines. And the worst part was that my dispute didn't work. I decided to start fresh by consolidating my loans and taking advantage of the payment plan options (sorry I forgot what it's called). I waited a few months after they were paid off and t
  2. Awesome sauce!!! You have done an excellent job rebuilding. I opened my Amex a few days before you but my 2nd statement hasn't cut yet but when it does, I will be asking for a 3x increase too!! Thanks for sharing your progress.
  3. Regarding NFCU (NAVY FEDERAL CREDIT UNION),a large amount of forum members seem to be members. I checked their Website, which had requirement I did not meet. Military service past or present, government or defense contracting employment, etc,. Is there a trap door to membership, I'm not aware of? If so please update me! They appear very generous with the credit granting? Sorry, no trap door that I know of however a lot of people have family (immediate) members in the military which is how I qualified for membership.
  4. Awesome job!! Normally I'm not a big fan of store cards but my Amazon card is definitely a keeper. I love that they special promotions like 0% interest for 6 months AND they give good CLI. In less than a year I have gone from a $700 limit to $3,500. I'm hoping that they will raise it up to at least $10k the next time.
  5. It's been a while since my last update but as they say, time heals all wounds. Many of my baddies have now fallen off due to aging. The worst thing that I now have on my reports are some student loan lates (180 days) and to add insult to injury in Sept. or October of last year one of my SL companies decided that they needed to duplicate my tradelines. And the worst part was that my dispute didn't work. I decided to start fresh by consolidating my loans and taking advantage of the payment plan options (sorry I forgot what it's called). I waited a few months after they were paid off and t
  6. I was in the garden for a while but I decided to play a little over the past month. Credit Limit Increases this year Amazon: from $1400 to $3500 Wal Mart: from $1500 to $3500 (this was the first time the backdoor #'s got me an increase) 1st Cap1 QS: from $1000 to $2000 Cap1 QS: from $1500 to $2000 NFCU Rewards Visa: from $7000 to $14,000 I asked for $20k and got the 3-7 day message, when I called to check a few days later I was told my request was declined and got the decline letter in the mail. Well I log in today and see a limit of $14K.... Doing the Happy Dance!!!
  7. I had an awesome surprise today, I logged into my Amazon account and see that they have raised my limit from $600 to $900. So I decided to check WM also and low and behold they raised my pitiful $150 limit to $1,100. This was quite a shock because just last week I called the backdoor number to ask for an increase on the WM card and was turned down cold, which really pissed me off being that it's been four months and I always pay in full and use the card at least once during the billing cycle. So needless to see I was excited to finally see the limits tick upwards on these two cards. Hopefu
  8. No new updates at this time. However, it's time for me to begin another round of calls to Ex in attempts to remove the last few baddies that will be obsolete soon. Also and now that my student loans have been consolidated I am planning to do a Jack Attack for the trades with the 120 lates. AES has added duplicate trades to my EQ so they look twice as bad, I'm so glad that I don't have to deal with them anymore each month they would report incorrect information on my reports they were a pain in the bum!
  9. I do understand the difference between the two and I've noticed that the window for that is very small because I have gotten caught before where I paid the balance before the end of the grace period, made another purchase thinking I was in the clear for reporting...only to have the new balance report..--->insert Homer Simpson DUHH!! here <---- . So even though the new purchase fell on the next statement period and was paid off before interest accrued on it that balance hung around on my reports for a month. Regarding whether or not allowing one balance to report affects your FICO
  10. Congrats, that first delete feels real good!!! The great thing about credit repair though is that each additional delete feels just as good. I'm just waiting for that last one...now that will be euphoria!!!
  11. I do understand the difference between the two and I've noticed that the window for that is very small because I have gotten caught before where I paid the balance before the end of the grace period, made another purchase thinking I was in the clear for reporting...only to have the new balance report..--->insert Homer Simpson DUHH!! here <---- . So even though the new purchase fell on the next statement period and was paid off before interest accrued on it that balance hung around on my reports for a month. Regarding whether or not allowing one balance to report affects your FICO
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