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  1. That's interesting, I just recently opened an account with DCU after reading about them here. Looking forward to the eventual mortgage rates. I did apply for their visa. They requested I sent in 3 months worth of paystubs. So we'll see. I've heard a lot of people here raving about penfed and navy fed credit union.
  2. I'm 20, my reports are now completely clean after getting a fraudulent credit card off my account. I recently got approved for AMEX with a credit line of $1,000 and have been using chimes credit builder. I haven't applied for any other accts. I would appreciate some advice on how to start my credit building journey. What cards should I be targeting? Any credit unions I should build a relationship with? Should I wait until the AMEX card hits my reports before applying? My fico is 700+currerntly, but low age, minimal open accts. Thank you!
  3. Yes, they basically said Cap1 verified the info and I just got a letter from a collection agency for the Cap1 acct. That's what inspired me to hop back on here. Difficult finding info on how I should deal with this though.
  4. I've tried. I've sent everything I needed too. I'm not sure what the next step is. I'm 20 now, this happened 4 years ago. Each bureau knows I was a minor, as does Cap1 when these accounts were opened. I'm not applying, just checking out "pre approvals".
  5. Tried for Apply card pre approval. This doesnt make sense? Pulled Tu and Lexis Thank you for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because: You have a low credit limit and insufficient payment history on your existing accounts within your TransUnion credit report We couldn't find sufficient information on secured installment accounts within your TransUnion credit report Your TransUnion credit report doesn't have enough information regarding your credit limit increases for your credit cards Goldman Sachs Bank USA received your credit score from TransUnion Consumer Solutions. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. Your credit score as of July 21, 2023: 730 Scores range from a low of 300 to a high of 850. Learn more This decision will not impact your credit score. Key factors that adversely affected your credit score: Too few accounts currently paid as agreed Lack of recent revolving account information Lack of recent installment loan information Too many accounts with balances
  6. Just tried Discover prequalify. They pulled EX. Type of credit score FICO Your credit score 551 Date July 21, 2023 Scores range from a low of 300 to a high of 850 Key factors that affected your credit score were as follows: SERIOUS DELINQUENCY % OF BALANCE TO HIGH CREDIT ON BANKING REVOLVING OR ALL REVOLVING ACCT TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
  7. Hello, Few questions... 1. What are the best credit cards to apply for that use TU? I'm trying to jump start my credit journey while working on the below. 2. I was a victim of ID theft due to a family member when I was 16. I have went through the process of filing with the ftc, and certified mailing my disputes to each bureau, along with proof of my ID and age. Only TU has removed them, EX and EQ removed most, but left one from Capital One (Cap1 has refused to removed it as well and sent it to collections). What are my options now? I can't even view my credit reports on EQ and EX b/c of the fraud alert they say was removed at my request. EQ; I cannot access my credit report, via myfreereport or experians website. Tried calling customer support, zero help. I can only view my report via the dispute backdoor. They did not remove the fraud Capital one account or the inquiry. "Positives" are my chime credit builder acct, 8 months of perfect payments and low balance and my dads discover credit card AU that shows an account age of 1 month for some reason and is closed (requested this be removed, but they have not). EX; Same thing as EQ, I cannot access my report. It also shows the cap1 acct. But it shows the discovery acct as opened on 2015 with perfect payment history, along with chime. TU; Completely clean. Creditkarma says 720 score. Credit age, 4 years, 5 months. Show's positive Discover AU tradeline since 2015. ty! (forgot my login, on my dads cb acct)
  8. Just tried both numbers today...no results Looks like the CB community has been making them work to hard. I asked to speak to the EO, CSR told me they do not take calls. Told her I wanted an underwriter to review my account for a CLI. She said the only way for a CLI is through the automated system.
  9. Since fixing my credit, it's waking up some zombie debt. A few months ago I received a letter from a CA attempted to collect on a debt (was within SOL). I sent them a DV and have no heard back. I'm worried about this collection popping up on my reports. What should I do?
  10. Finally just got my first 5k cl US Bank Cash Plus visa signature. Pulled TU for me and I also have a unpaid bank account with them in chex from a few years ago (so apparently this does not black list you). Was also approved for Discover IT....1,500 cl
  11. Got a response from CFPB: Explanation of closure Please be advised Equifax verified that Judgments 09204, 13062, 0916 belong to you and that the public record items are reporting correctly on the file. Written confirmation was mailed to the address on file.
  12. haha wouldn't say it was a novel, but ya maybe I over complicated it. Yes 2 of the 3 judgments are reporting "pending; satisfied" the other is just "satisfied". The fall off date is next year. I dont understand why TU/EX immediately removed them and EQ hasnt. Then when they do a re investigation they send me the same sh*t.
  13. Thanks TMCgill, There's no master list of Banks that blacklist based on chexsystem accounts?
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