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Everything posted by GoneGrl

  1. Ah so when they say Luv Button they mean Credit Line Increase link. Thank you!
  2. I'm not seeing the button when I log in. Is it on the App or should it be visible on Desktop? I've tried Safari and Chrome . Nothing.
  3. VS should not have been closed. It will continually grow. And the Overstock should have remained open for the time being until better cards had been approved and reporting. The OP now has under 5 revolvers open, which is a detriment to their FICO scores. Good to know Conrad! Luckily I got a Chase Freedom Unlimited in the mail that I accepted so now my cards as follows: Chase Slate American Express Discover Target (forgot about this card when I listed it's a zero balance and I rarely use it) And the new Chase Freedom Visa (3000 limit) rounds out my wallet to 5 cards.
  4. Thank you Poppa! Yes they are big turds but I have to also be a little grateful because even with their lil' Pirate ways, it helped me build credit. I'm not a big spender so I always utilized the cards sparingly which probably helped. I'm so happy to see my score and wallet fill up with better cards and status.
  5. OMG THANK YOU SO MUCH Zanshiro ! your advice has been so incredible. Even closing those toy cards have helped my profile and the hit on my score is worth it.
  7. Had a Progressive Account briefly to pay for a nice $2134 bedroom set when I moved into my apartment. Paid it off in 88 days approximately (just under the gun) with tutoring/work funds/tax refund cash. People have to read the fine print in those contracts. Had I not settled the account in the 90-day window, it would've been a total of almost $4400 paid over a year to settle it. Common sense isn't common these days..... Exactly. I was in a similar situation where I knew I would pay this off within the 90. I also had a really great sales person who kept stressing paying this off in 90days or else I'll regret it. The Devil is always in the Details and I believe most folks have the same mindset John Steinbeck accused us having... "The American poor see themselves not as an exploited proletariat but as temporarily embarrassed millionaires." John Steinbeck
  8. Good lord, I am NOT shocked in the slightest. I remember I had a Progressive Rent to own account 2 years ago but I was never late and paid my accounts off within the 90 day warning so I didn't have to pay Chocolate Goodness flowers interest. I always tell people on the Progressive Facebook page, DO NOT OPEN ACCOUNTS IF YOU DO NOT HAVE THE INCOME TO PAY.
  9. This is great advice. I was advised on this board to close my toy cards which I'm rather glad I did. I also had two subprime cards that needed closin'!
  10. Yes I was zeroed out and made sure that no remaining annual fees would come back to bite me. Thank you again for all this advice.
  11. Awesome advice Zanshiro! I'll definitely do that. I closed out my cards you recc'ed for closing. I feel so much relief having Credit One and First Premier off of my fanny. Thank you thank you!! <3
  12. THANK YOU SO MUCH FOR THIS ZANSHIRO! I appreciate the advise. No, the department store cards like Overstock, Victoria's secret and Fingerhut have no rewards. I will close all these out today. I just didn't know if I should do that. I'm sending more letters out today for the Cable bill with LVNV but it's being super stubborn. I have the Amex Blue Cash Everyday Card. Cashback rewards and standard Membership benefits. I don't see any travel rewards on this program but I could be wrong. Discover is almost the same. Cashback rewards but I'm not seeing anything with Travel yet. THANK YOU !!! <3
  13. I have Amex - 500 credit limit 00 balance (New card) Discover - 2000 credit limit. 00.00 balance (new card) Chase Slate - 1000 credit limit - 100.00 balance Credit One Bank - 300 credit limit - 00.00 balance First Premier - 400 credit limit - 00.00 balance Overstock - 500 credit limit - 50.00 balance Victoria's Secret - 500 credit limit- 00.00 balanc Fingerhut - 1500 credit limit - 00.00 balance My FICO is 8 with 699 Experian Score / 690 Transunion/ 687 Equifax Thank you! Ooops and the baddie I currently have is this STUBBORN collection from LVNV 407.00 Collection (Cable bill)
  14. I have two cards First Premier and CreditOne Bank that I would like to close but will it hurt my score? There are no real rewards on them and their fees are high as most Subprime cards are.
  15. Same. I think that's actually what helped my score bounce is due to having low balances that I could pay off rather quickly. Even when i do charge high it's not too high where I can't pay it off in two months.
  16. AWESSOME POST! Thank you for sharing!
  17. Are Synchrony cards soft pulls like Comenity or hardpulls?
  18. Same. I already have two pulls with Discover and Amex this month. No more pulls for me until the New Year. Continuing to garden.
  19. Oh any advice on closing cards. I have two subprime cards, First Premier Bank and Credit One Bank cards I would like close but didn't know about closing lines of credit and how it may affect my FICO.
  20. Thank you! I'm not applying for any more cards in the nearer future. Continue gardening. I had a mysterious TMobile collection that popped up last week but I called them (TMobile) and paid the balance. I've zeroed out all my balances on my department store cards last month. That's probably why my credit jumped high. I put balances on my new Discover (500) and Amex (100) today. I want to have myself zeroed out completely on all my cards by the end of the year. Don't know if that's a bad thing and someone can advise if that is but would like to be Debt Free going into the new year. Any other advice please send over. Thank you!
  21. Ah everything is working out beautiful. I still have that stubborn flowers LVNV FUNDING baddie on my report but my credit now in the Good sector. Just got my new Discover and Amex in the mail!
  22. Thank you so much Breeze! I've had a long time LVNV collection still sitting on my report that won't away so I'm going to use that thread .
  23. Hey Outdoorsy, so sorry to get back to you months later. I've been so spotty with checking my threat and this forum online as I have been so deep in work this past year. I did do the 1-2 punch and it did work for some things but my LVNV FUNDING baddie is still on my record and I have given up trying. I will say everyone's Credit situation is unique, I think some of the methods on here did not work on my rebuilding. Mostly what worked for me was talking with CRA's over the phone and waiting for stuff to fall off. The Main issue holding back my score were Credit Inquiries. They kept my FICO at 580 and wouldn't budge for no matter how good of payments I made. Finally they all fell off in August and boosted my credit score by a lot. DO NOT BELIEVE WHEN SOME PEOPLE SAY INQUIRIES DO NOTHING TO YOUR SCORE, THEY DO. I'm very paranoid about credit inquiries on my report and its keeping my score moving upward. My Collections were mostly medical too with a few utility and one bad Capital One card so I wasn't that deep in the Red with my report. Right now I only have LVNV Funding on my report. It takes a while and so much persistence but use these boards as a jump off point. Much great advice on here but also keep in mind when it doesn't work, do not get discouraged. Your situation can be unique that requires different methods to clear whatever baddies you may have. Always be proactive when those times arise. From the info in this thread it appears that you have multiple paid collections, at least one open collection and multiple late payments reporting. I assure you that it's not the inquiries that are holding down your scores. Also, your conclusion that improved credit comes from being at the same address for four years has no basis in reality. https://creditboards.com/forums/index.php?showtopic=545358&p=5524324 Ah you could be right, it's just something I noticed. When I became stable my credit offers started to fly in. Although I have changed addresses recently I noticed I haven't received any offers at my new address yet and it's been a year. My score of course has improved vastly and I am debt free right now which is a good thing because I'm on a limited income now.
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