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Mister305

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  1. Hey guys I had a three year lease with ally and paid it perfect. They said I owed them for wear and tear. Honestly. I didnt know I did. I paid them and moved on with a new car. I now understand why there kept showing a balance on my credit report. Anyhow they reported that remaining balance as a charge off. Rest of my credit is perfect. Parent history on the car is perfect. Any suggestions?
  2. You are right. It has been random. I applied for the sapphire and citi advantage for the sign up points. I forgot to mention a victoria secret card I have for 1,000 and a credit one I got for 1600. That was my first one. I have that card open because its the oldest line that I have.
  3. Thanks to all the amazing people on this site I have clean credit and have the following cards. Citi Advantage 12,000 Chase Saphire 10,000 Barclays 3,000, Discover 3,000. Should I apply for more credit elsewhere or just try to raise the limits on the cards that I currently have. I have 0 balances at the moment on all these cards. Was considering navy Fed. Just joined them. Let me know.
  4. Yes it was over 30. I immediately got caught up.
  5. I AM 2 MONTHS FROM FINISHING MY YUKON LEASE AND WITH ALL THE DRAMA OF JUST HAVING TWINS I FORGOT TO MAKE MY TRUCK PAYMENT. I CALLED ALLY AND BEGGED FOR FORGIVENESS. EXPLAINED THAT I HAVE BEEN WITH THEM FOR 3 YEARS AND I AM TWO MONTHS AWAY AND I MADE A LATE PAYMENT BY MISTAKE. PERSON SAID THAT THEY WOULD CONSIDER GIVING ME A ONE TIME FORGIVENESS AND I WOULD RECEIVE A LETTER. I NEVER RECIEVED A LETTER AND IT IS STILL THERE. CAN ANYONE GIVE ME ADVICE AS TO WHAT DO AND HOW I CAN REMOVE IT. THANKS.
  6. Should I wait for the Citi line to reflect on my credit report before applying for another card since the limit is so high? I want to apply for a chase card but believe that they will give me a crappy limit since I don't reflect any high limits. (Discover is 3k)
  7. My score was 712. They pulled EQ only. I was surprised by the CL amount because all I had was a Barclays for 1600,a discover for 3,000, home depot for 700 and a victoria secret for 700.00.
  8. Thank Konrad. I screwed up and applied before seeing your response because I got overly excited. Got declined. Both pulls were Equifax. (I am yelling at myself right now) Anyway for me to fix it? Can I call into underwriting after I receive the decline letter to see if they overturn there decision? Let me know. Happy Holidays.
  9. I just got approved for a citi aa advantage platinum card. (12,500) Can I use the same pull to be approved for the corporate card? If I can do I do it now or do I have to wait to receive the card?
  10. Hey Everyone. Thanks to the guidelines for establishing business credit I have applied for and have received the following without any PG. Office Depot Net 30: 1,000 Staples Net 30: 1,000 Uline Net 30: 1,000 Apple: 10,000 Amazon Net 55: 3,000 Chevron Net 30: 900.00 Home Depot: 1,000 I pulled my Experian business credit report and some company called Air trans is reporting me as a late pay. I have no idea who theses people are and have never used them. What can I do to remove this? Any ideas. By the way my company was incorporated in 2003.
  11. Hey everyone. I hope everyone has a great holiday. Does the Experian Credit Expert program work for bumpage? Let me know. Many blessings for you and your families.

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