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About digitalscotch

  • Birthday 12/27/1971
  1. At this point I am not sure since there are a lot of things up in the air. It is likely a 7. I will check out the subforum, thanks for the tip. Sent from my iPhone using Tapatalk
  2. My business is filing BK and I’m probably going to have to file personally too. How fast can my personal credit score recover from this? Is there a thread on here specific to rebuilding as quickly as possible? Sent from my iPhone using Tapatalk
  3. Yes, I appreciate this. I'm only juggling about 10K and my business generates 1.5m a year, so I don't think that will be an issue. The issue is that we work with schools, make our money in 9 months and the income dips dramatically in the summer. On top of that then, we gear up for fall and have a lot of expenses before we start getting paid. I'm working on smoothing out the gap and so far, in the last 12 years, I juggle but we always make it through. It's not always pretty, but we make it. And I'm charging a lot, but I'm also making multiple payments on cards through the month. So it is about
  4. Seriously dude, have you even reviewed your reports? Yes, I just looked, and all my other cards are reporting but my AMEX cards have not yet reported. I have one personal and one business. My question is, will my AMEX SPG Business card report on my personal report or will it report only to my business report - is that an unusual question?
  5. What is the point of building up credit if you can't use it to juggle a bit when you need it? If the choice is keep my business going or have a perfect FICO score - I'll save my business.
  6. Thanks Kat58. I have an AMEX SPG business card. Do you happen to know if that reports on my personal report?? TIA
  7. My question is: when I average out my debt to available credit - it is below 30%. However, there are two cards that are over 50% each individually. Will having two cards over 50% hurt my score? Does the debt ratio work on all of your cards or one by one? I'm juggling some business expenses during summer which is a slow time of year for me - and I'm wanting to make sure I put the cash I have on hand to the best use. Thanks in advance DS
  8. My scores are myfico.com. I have 6 paid medical collections that are close to falling off and I'm going to request they are deleted early. My utilization was reported at 10% The PR was dated 2014. I have 1 missed payment from a year ago on a student loan. Otherwise that is all. I also just opened: 2 AMEX, 1 Discover, 1 Chase, 1 walmart, 1 amazon, 1 Talbots - all in the last month. Sent from my iPhone using Tapatalk
  9. So my public record of a judgment is gone from 2 reports. Hope to see the third. There was no jump in my score as I thought. It could be that I recently opened numerous accounts. When those report, should I pay in full if possible? I'm thinking that I will lay low and pay my bills. Anything else I should do?? Sent from my iPhone using Tapatalk
  10. I was holding off working on deleting my judgement because I thought there was a good chance it might fall off. It didn't. Now what? Sent from my iPhone using Tapatalk
  11. Should I just wait a few days and see if it falls off? Sent from my iPhone using Tapatalk
  12. How do I freeze Nexus Lexua? Sent from my iPhone using Tapatalk
  13. So should I dispute again? I ordered the court papers and they dont specify what the judgement was for Sent from my iPhone using Tapatalk
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