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Justanothercreditobsessor

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  1. I understand that now for sure! So, I needed cash that day after I was approved for a car loan, I needed to add $2500 more cash to what I already had down to get rid of the negative on my current vehicle! I was given 7% apr on this card and a fee of $3 for the cash advance! I will be paying this off very soon! Just wanted 1 or 2 more cards before I garden for the next 12 months! I will not be touching anything as I will have a new car loan and new credit card reporting when June arrives!
  2. Ah yes! Thank you for that info! I definitely understand that now! I am paying it asap anyway. I will know for the future! Needed cash same day and was given the option!
  3. Hello all! So I was looking for some advice! Currently looking to add 3 cards max to what I already have! Equifax is frozen because of 2 baddies. (Fico 623) I would like to do this with either Ex or TU being pulled TU (Fico 641) 1 collection (2012), no lates EX (Fico 674) 0 collections, Credit Utilization: $814/10,200 (9%) Hopes and Dreams: Apple Barclay (with a limit of 2k) (Looking to get a new cpu but take advantage of 18 months interest free*) Capital One Quicksilver (with a limit of 2k to 3k) Amazon Store Card (with a limit of 1k to 2k) Currently Have 2 Capital One Cards and 1 AU (Capital One/ ALL with Small limits) Biggest Limit is an AU of Bank of America (8,000) (12 years old) FYI! I am rebuilding! I had a win this week with my credit union who pulls FICO 02 (Experian which was a 720!!) instantly approved for 5k visa credit card! But used a cash advance of 2500k for a major purchase that I will pay back over the next 3 months! Did not hit my credit reports yet! I know some people would say to wait, but I am looking for advice on what cards I could possibly get, I would like to help utilization during this time! Thanks for all your suggestions!
  4. APPROVING BANK DELTA COMMUNITY CREDIT UNION BUREAU PULLED EXPERIAN FICO 02 (VERSION) CREDIT SCORE 720 CUSTOMER STATE OF RESIDENCE GA NEW/USED USED YEAR OF VEHICLE 2014 MILEAGE 58,000 RETAIL/LEASE Retail AMOUNT OF LOAN 24,000 ADVANCE PERCENTAGE 120 TERM CONTRACTED 72 APR/LEASE RATE 2.97 MONTHLY PAYMENT $370 MISCELLANEOUS COMMENTARY: THEY ONLY PULLED EXPERIAN. WAS APPROVED FOR UP TO 28,000. BOUGHT A HONDA CERTIFIED PRE-OWNED CR-V EX-L.
  5. With monthly monitoring, your fico 8 updates when the changes happen. I see them right away. It is well worth it if you are making changes.
  6. Financeman, this is so awesome. Could you share a little as to the language used in your dispute? I am interested in doing something similar. Thanks!

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