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49erFanatic

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  1. So they bumped me up to 7500 but hey that's something . Currently my max is 4K with cap1 so the based it off of that
  2. What's the best way to go about it as far as what should I say to request it
  3. I got approved for the extra points nfl card with 6000 limit I would like to call to recon for a higher limit if I can . When should I do it ? When I get the card or today since I ran the app and got approved today?
  4. You attempted an increase too soon. It needs to be ~181/182 days since last increase. Also, wait until your payment has cleared. can i try again after that time period? its in 4 days .
  5. So i have both a secured capital one card and and quicksilver one card , the secured card has a zero balance and the other card has a 1000 balance with 500 payment pending. It has been about six months since my last CLI i was told by the CSR on chat to hit the CLI increase button but i was denied for having a CLI to recent. Do i have a way to call in to see if they will Recon. I just got the message in my cap1 message center. The last CLI was 2k when my credit was not as good as it is now. I have nothing negative on my Credit file right now.
  6. Currently I have a secured card from capital one which I've had for 4 yrs and a quicksilver one card which I have had for a little over two . I have cleaned my report up completely and I'd like to convert my secured card to a reward card . Is this possible . The people on the phone speak horrible broken English and I can't get a straight answer. How would I handle this with out loosing AOA
  7. Not sure of my actual fico however CK say its 650 which im sure is way off. the only thing hurting me is the utilization. I do have low limits on my CC since I am rebuilding everything. my score was low 500's last year this time now I have nothing bad on any of my reports . unfortunately I live paycheck to paycheck and paying down the CC's quickly really isn't a option. I pay all the bills on time but never seem to it much lower. 100 here 100 there doesn't really make a dent.
  8. Currently I have no more negative items on my credit report thanks to the folks here on CB and im working on trying to get my score up so I can look to get a home soon. I have about 4 thousands in debit among all my credit cards. I was wondering if it would be a good idea to take out a small personal loan either from my credit union or I heard about Lending Club or similar and get a lower interest rate and pay off all my cards and make on payment to the loan. Would this help me or hurt me. I thought this would help by showing low utilization on the cc's and also show a positive trade line as a different type since It is a loan. Suggestions , Opinions , Options all welcome.
  9. really wont the age of account and positive payment history show on my reports its based off his personal credit not the businesses
  10. So i have been working on my credit for the past year and i have finally got the last collection account off my reports. I am currently working on getting my credit usage down below 30% and im also getting my named added to my father in laws business credit card which is in perfect standing and has been open for as long as i can think 10-20 years at least, so i can show a long AOA and Have another positive trade line.Now i want to protect my self from anything negative and move to increase my score. So what do you suggest i do . I would like to buy a house and a car in the not to distant future so any advice to increase my score and help with my progression would be appreciated. Is there a way to remove inquiries ? thanks in advance Also this site is to thank for all my recent success
  11. So my credit score is in the mid to high 600's I have one collection account still on one of my reports which I am currently working in getting it cleaned up. if I get added to a family members credit card account that should help but if they tank there credit does that hurt me in any way?
  12. I have a question if I did a validation letter and the CA sent said the validated it with the credit bureau . Can I try again now that it has been 6 months?
  13. i would really like to know more about this Cap 1 secured card graduating. I have had them for 3+ years now on a secured card which i have used alot. always pay on time sometime multiple times a month along with my quicksilver card . I would like to get my deposit back and have the card a no longer secured version and get some rewards or benefits with out loosing the AoA.
  14. are the charges/fees legitimate i don't know to be honest its been 5 years. I never got any contact regarding this that i can ever remember. im sure if i did i would have paid it then. I was living in fl i have since moved to NC and i think the SOL is 7 years. Nothing on my credit at all. i wouldnt have known about this had i not go on to buy the scarf.

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