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  1. I added my daughter to two of my cards (a Cap1 and Walmart card) as an AU as soon as she turned 18 this past June..she’s a freshman in college...an application came for a Discover IT student card a couple of weeks ago and she was approved for $500..I signed up for CreditCheckTotal for her to check her scores and they are all over 760 now!! Sent from my iPhone using Tapatalk
  2. I haven't posted in a while but I had to stop by and give credit where it's due..When I found CB back in Aug 2015 my credit was a MESS!!! After staying up late hours reading post after post and following the advise and processes here I am happy to announce that my husband and I closed on our DREAM home on Thursday!!!! It took 2 years and 2 months to go from 500s FICO scores across the board and several baddies to being approved for a mortgage.....Even when I wasn't actively posting here, I was applying EVERYTHING I've learned and pushing forward!!! I can only hope that this will inspire someo
  3. How so steelers1? Do you mean just having it as a safety net? I'm an independent contractor and I want to be using my accounts in a way that benefits me best....
  4. If you do this, what would happen it you have already paid the balance? Would it autopay 0? I like the idea of having a safeguard in place for cards just in case you forget a payment date
  5. So I called Experian and had the rep look at my report, and compare it to December 2nd when the OC inserted the bad info and December 9th when they removed it after my CFPB complaint. Then I had him look at December 31st when they reinserted the bad information again. I also read to him the response to the CFPB complaint from the OC where they blamed Experian...He seemed to kinda be in disbelief and he kept putting me on hold but he would check and thank me for my patience..he said he an analyst looking at it also. He came back and said they had changed the DOFD and added 3 years to how long t
  6. so I have a 17 year old who will be 18 in June...i should add her now?
  7. I'm sooooooo close to having only student loan lates as baddies..I know I have to wait those out and I won't be truly clean until they fall off but I want to at least get to the point where those are the only negatives I have, but I need help with the situation below.... Long story short I have a CO trade line and the OC is updating the payment history and making it appear as a new CO. They added several months of "pays as agrees then a new 30, 60, 90, CO...this also changes the date the TL should fall off my report so it basically re-ages it. It also changes the time since last late pa
  8. My scores were similar a year ago....Do a secured card with them....I did one with $500..I used and PIF monthly and after the 13th statement they graduated it to unsecured and changed the limit to $2000. I did a CLI and they made it $5000. A month or so later I app'd for a 2nd card and I was approved for 24K and a 15K CLOC at the same time.
  9. yes..I'm waiting for a reply from them... 10 days are probably up, they are waiting to hear from your attorney It hasn't been 10 days from when I sent it but I have 2 phone consults set up with attorneys on Tuesday...
  10. Just app'd for my husband..he has 680 with 0 baddies and perfect payment history across the board on EX but high UTIL...he also had 0 inquiries on EX so I thought it was worth a try if the product could be changed to a better Chase card in the future...I got the 30 day message....I'll report the results....
  11. curious to see how it works out because I am in a similar situation
  12. the OC could have forwarded your payment to them and they could have processed it that way? did you get a written receipt from the OC? YES! A reciept and they sent me a letter stating I paid them with the date on letterhead after I told them the CA wouldn't delete. I think the CA is just being an flowers so I may have to pay an attorney to send a letter....
  13. I agree with the attorney angle... I just researched a few in my state who deal in consumer and credit reporting law. I plan on calling them tomorrow.
  14. Thanks for responding..I'm just seeing this! The part I called fraudulent was the CA making a receipt on their letterhead of the payment made and they sent it to me. Of course it didn't have a payment method or anything on it because I didn't pay them....I will reply using your template and report back!!! Thanks for the help!!!
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