Jump to content

tweak1

Members
  • Content Count

    34
  • Joined

  • Last visited

  1. So provide a little update, it's been over a year since my initial post... I ended up closing the discover. At the time, my capital one went from a limit of 300 to 500. Comenity, never used it. Over the past year, I used my capital one a lot. I usually maxed it but then paid it off right away. I asked if I could convert from platinum to quicksilver so I can utilize the cash back. January of this year, I opened a secured card with NFCU for 250.00. I literally used it twice from January until now, it always had a zero balance. So as of January, I had NFCU card for with a limit of $250, and a QS card with a limit of $500. Less than 2 weeks ago, Capital one gave me a CLI from 500 to 1500. This week, I decided to pull a trigger on 2 apps. the first app was Discover IT cash back card, was approved for 1500.00. I also applied for NFCU cash card as well. This was denied instantly. The next morning, I saw that my savings account had a little more cash but didn't think much of it. Then I saw that my limit for the nrewards card went from $250 to $2000! They graduated my secured card in 6 months! I asked to have that converted to the cash back card as well and that card is on its way now. I'm freaking excited obviously, in a span of 2 weeks, I went from a total CL of 750 to 5K... Especially since the NFCU cash card was 1 of 3 cards I really wanted. All 3 CR went from high 500's to now mid 600's. I'm going to garden the QS and IT cards and just use the NFCU card. Time to wait and let them age. Hopefully, my next approval is the AMEX gold next year. Still need to clean up all 3 reports but I'm very excited.
  2. So during the time while I'm trying to pay down the balance of the Discover, I'm trying to tackle at least one of the two PRAs. PRA purchased the account 1888 from Express (store card). Does this account have a different SOL than a regular credit card in Arizona?
  3. When a company gets your a corp card, do they do a credit check on you?
  4. No, they won't do that. Pay if off and don't run it up again. You have three open accounts. Let them age for a bit and you may not need to get another secured card. Work on CLIs on your other two accounts, although I'd wait until you get your Discovery balance paid way down. March is right around the corner. Thank you for your advice.
  5. I'll keep it open. I should be able to pay it off by mid-March. Do you think Discover would lower my limit to 500 and apply my original deposit to offset the balance? After I pay it off, I'll apply for a secured card with NFCU.
  6. I've actually thought about closing the Discover. It's not really an institution that I planned on using the long term. Initially I was paying the Discover in full, but I lost my job and ended up using it for essential needs (car repairs and such). I'm currently employed again. I currently bank with NFCU, and I've seen lots of people on this board have had good results with them. I don't need credit now but I am working to remove as many baddies as I can, to improve my score so I can purchase a home in 2-3 years.
  7. In Arizona, SOL is 6 years. I'm not quite there yet.
  8. So I've decided to start a progress thread and I feel like I'm stuck right now as well. EQ - My cleanest report, I've deleted all of my previous addresses. Discover Secured - Balance 2000/2500 - Current/working on paying this balance down Capital One - 0/300 - Current with 0 balance Comenity - 0/300 - Current with 0 balance Negatives Nissan - Repoed, DOFD - 11/2012 - Balance $9000 Calvary - This account I was sued, and settled. Date opened on 10/2014 - OC was Syncrony, DOFD with them was 10/2012 Diversified Consultants - 0 Balance, Date opened 03/23/17 - paid in full to OC in 12/2017 PRA - Balance 1082. OC Capital One. DOFD was 05/2013. Just sent a DV letter to PRA. PRA - Balance $1888. - not sure what to do with this account, sent a validation letter, but PRA just sent a generic letter with the last statement from the OC. But the balance amount that was sold to PRA from the OC was 40.00 more. Date Opened 11/15. From Feb 2016/Jan 2017, they were reporting 40.00 more due to the incorrect amount from the OC. It was than corrected to 1888 on Feb of 17. OC was Comenity, and first DOFD was on 11/2013 Experian - They won't delete any addresses that has a trade line attached to it. Discover Secured - Balance 2000/2500 - Current/working on paying this balance down Capital One - 0/300 - Current with 0 balance Comenity - 0/300 - Current with 0 balance Negatives Alliant Credit Union - Loan, Balance 1450.00 - DOFD 03/2013 C/O Alliant Credit Union CC - Balance 1183 - DOFD 03/2013 C/O Chase CC - Balance 2800 - DOFD 04/2013 C/O Diversified Consultants - 0 Balance, Date opened 03/23/17 - paid in full to OC in 12/2017 Nissan - Repoed, DOFD - 11/2012 - Balance $9000 PRA - Balance 1888 - Same story as above PRA - Balance 1082 - Same story as above Synchrony - Balance 0.00 DOFD 10/2012 C/O sold to Calvary Calvary - This account I was sued, and settled. Date opened on 10/2014 - OC was Syncrony, DOFD with them was 10/2012 Transunion Discover Secured - Balance 2000/2500 - Current/working on paying this balance down Capital One - 0/300 - Current with 0 balance Comenity - 0/300 - Current with 0 balance Negative Alliant Credit Union - Loan, Balance 1450.00 - DOFD 03/2013 C/O Alliant Credit Union CC - Balance 1183 - DOFD 03/2013 C/O Chase CC - Balance 2800 - DOFD 04/2013 C/O Nissan - Repoed, DOFD - 11/2012 - Balance $9000 Synchrony - Balance 0.00 DOFD 10/2012 C/O sold to Calvary PRA - Balance 1082 - Same story as above Calvary - This account I was sued, and settled. Date opened on 10/2014 - OC was Syncrony, DOFD with them was 10/2012 PRA - Balance 1888 - Same story as above Diversified Consultants - 0 Balance, Date opened 03/23/17 - paid in full to OC in 12/2017 Short Term Goals - Apply for a secured NFCU after I pay off the Discover Long Term Goals (2 years plus) Unsecure the NFCU Apply for Amex Cash Everyday Card Possibly a charge card. Purchase a home I'll keep these updated as I go. Any advice going forward would be fantastic. I'm located in AZ, but all of these tradelines were originally from when I lived in Illinois.
  9. They are but I'm still dealing with them.
  10. I poked the bear. I woke the bear.
  11. EQ has deleted everything I wanted. TU and EX not so much
  12. Does anybody have an address to send a good will letter for ATT Wireless? I moved last year out of state, thought this account was completely paid off, and they sent the final bill to my old address and was never forwarded to my new address. I want to send a good will letter letting them know it was an honest mistake and pay in full for deletion. Thanks,
  13. Yes but I think he was disputing the method of validation? Interesting read though.
  14. ddom, any update on this? You doing okay?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines