Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


dramaqueen

Members
  • Content Count

    132
  • Joined

  • Last visited

  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 tried to dispute again. Here's where it gets weird. I only disputed with EQ since that's the only report that had the duplicate files but I was hoping that they would just delete all the tradelines. So EQ deletes one of the duplicates and leaves the other but they at least updated the balance to $0. However, the tradelines were deleted from my other two reports all together. I hate EQ! On another note, every 3 months I have been getting CLI on my Amazon and Wal Mart accounts and they are now both up to $3,500 limits. I unfroze my EX and app'd for an Amex and got an approved for a Blue Sky ($3,500) and Delta Gold ($1000) card. Silly me not checking the boards first because I ended up with 2 hard pulls. I also requested a CLI to $20k on my NFCU cash rewards card, I got a 3-7 day message, called and was told the request was declined, got the letter in the mail and all that. I logged into my account today to see a shiny new limit of $14,000. ***WHOOP WHOOP*** I won't be doing any more applications anytime in the near future, especially with the death of the B* and the reinsertion on my TU report. **Those 700 scores are so close I can feel it** If your EX is clean (which from above it sounds like it is), they only reason you don't have a 700 score now would have to be utilization. I know up thread you mentioned you allow balances to report and were carrying some balances. Do you happen to know your overall utilization? If you can get it to below 10% you'll be likely above 700 there at least. Also, how late were the student loans? They're relatively recent lates so they're likely hurting you on EQ/TU but you can try GW to get them off. Hi Lilly, my EX isn't all the way clean because I do have another student loan that is still showing lates on there but those aren't duplicates like the ones that were removed. The lates on my EX are 90 day the ones on the others are 120+. I'm not confident about removing those via GW because they have been horrible at just removing the incorrect info but hey nothing beats a failure but a try. You're right about the utilization, I have been carrying more balances lately due to me trying to get my business off the ground but I expect to pay them off in a couple of months once I close this deal I'm working on. I think it may be time to look into a business card that doesn't report on my personal credit for times like these when I need to float balances for a few months.
  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 tried to dispute again. Here's where it gets weird. I only disputed with EQ since that's the only report that had the duplicate files but I was hoping that they would just delete all the tradelines. So EQ deletes one of the duplicates and leaves the other but they at least updated the balance to $0. However, the tradelines were deleted from my other two reports all together. I hate EQ! On another note, every 3 months I have been getting CLI on my Amazon and Wal Mart accounts and they are now both up to $3,500 limits. I unfroze my EX and app'd for an Amex and got an approved for a Blue Sky ($3,500) and Delta Gold ($1000) card. Silly me not checking the boards first because I ended up with 2 hard pulls. I also requested a CLI to $20k on my NFCU cash rewards card, I got a 3-7 day message, called and was told the request was declined, got the letter in the mail and all that. I logged into my account today to see a shiny new limit of $14,000. ***WHOOP WHOOP*** I won't be doing any more applications anytime in the near future, especially with the death of the B* and the reinsertion on my TU report. **Those 700 scores are so close I can feel it**
  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!!! This is my first 5 digit limit!!! New Accounts Paypal Smart Connect: $700 (you gotta be kidding me) Amex Blue Sky: $3500 Amex Delta Gold: $1000 Back to the garden I go...until it's time for another round of CLI.
  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. Hopefully after the next three months pass I can actually request the limit I want through the backdoor and get an even better increase.
  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 or not, I have read many FICO threads here and I've seen several examples of where having a small balance on one card report results in a slightly higher score than all $0 balances and I think there was a thread where Bob Wang's scores actually dropped when he paid off the small balance and allowed all accounts to report at $0. Either way I don't think doing either will have a major effect on the FICO in the long run but for now I trying to get every tick upwards I can so I allow a small balance to report. Currently Amazon has 0% interest for 6 months so that's the card I choose for this. See this is where the confusion comes to play. Bob is not referring to carrying a balance and paying interest. Bob is allowing a balance to report to the bureaus, but he is still paying in full before the grace period ends. It is advantageous to allow the bureaus to REPORT at least one balance, but one can still PIF before the grace period ends w/o accruing interest. Understand the difference? A reported balance is current activity, but still being PIF before the grace period ends...NOT paying interest. Yes I do understand the difference which is why I gave you the example of how I paid in full...paid no interest but still had a balance report by mistake!!! But I guess I misunderstood your previous comment which I highlighted above. I thought you were saying that allowing a balance to report doesn't help at all. I fully understand that paying interest helps no one but the bank getting the interest!!
  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 or not, I have read many FICO threads here and I've seen several examples of where having a small balance on one card report results in a slightly higher score than all $0 balances and I think there was a thread where Bob Wang's scores actually dropped when he paid off the small balance and allowed all accounts to report at $0. Either way I don't think doing either will have a major effect on the FICO in the long run but for now I trying to get every tick upwards I can so I allow a small balance to report. Currently Amazon has 0% interest for 6 months so that's the card I choose for this.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines