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Particledropp

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  1. Chase Sapphire Preferred - $12,300 !!!! My first Chase card.
  2. I guess just keep paying my bills on time, ask for CLI's every 6 months or whenever I can, wait for the few baddies to age off, and maybe refinance the house if rates go lower? lol I don't know. Just having the ability to go somewhere and buy something on credit with a good rate is good enough for me right now.
  3. When I started my most recent credit repair journey about 2 years ago, my scores where in the mid 500's or less. I couldn't get approved for anything and really almost got the point where I was going to say screw credit, I'll just pay cash for everything. Well, my wife had a different plan for me. She had a mother who taught her about money at an early age and how to properly use credit to her advantage. I saw how easy it was for her to walk in and buy a new car and not have to worry about if she would get approved or not. She got to focus on getting the best deal possible for the options she
  4. Im not refusing. I ALREADY HAVE MY PAPER REPORTS FROM THE END OF LAST YEAR. Ive said it 3 times now. The information is being report the same on myfico as it is on the paper reports. Since you guys cant seem to get past me needing paper reports just imagine I never posted myfico screen shots. Omni and Pioneer both report as Charge offs every month.
  5. I've gotten them from the CRA's in the past and they report the exact same way. Not always. Get the paper reports (not downloadable). I'm telling you, I got my paper reports at the end of last year and they report the same way. I'm not guessing and I'm not new to this. The only reason I posted screen shots from MyFico is because it will give someone who actually wants to be helpful an idea of what is being reported. Telling me to get my paper reports is not being helpful.
  6. I've gotten them from the CRA's in the past and they report the exact same way.
  7. So over the past two years here on Creditboards Ive been able to get my reports almost completely clean with the exception of two creditors that I honestly am not sure how to deal with. They are both military lending companies (Pioneer and Omni) that I got loans from in August and November of 2012. I wasn't the smartest and went into defaulted with them out after I got out of the military and they weren't being paid from my check. So they show as charge offs on all three reports (I have reports directly from the credit agencies as well as Myfico, which I am enrolled in their 3b service) an
  8. Here's the page with instructions if you have Comcast Xfinity https://www.xfinity.com/support/internet/opt-out-comcast-ads/
  9. Forgot to add all three scores around 680 according to MyFico
  10. So I thought I'd give our local credit union here in Jacksonville a shot, Vystar Credit Union. They were running a 2.99% no fee Balance transfer deal right now and I also have my truck loan with them. APPROVED!!! :swoon: FOR $15,000 limit on their Visa Signature Rewards plus (their travel card) This is by far my biggest starting limit and definitely my biggest non store card limit.
  11. Any news from Amex CLI request? https://creditboards.com/forums/index.php?showtopic=586474 Now that's a healthy bump! How's this compare to your other limits? I have these: Nfcu cash rewards9.2k Cap one qs 5.5k Amex BCE 2k Lowe's 17k Amazon 4k Walmart 6k Home depot 3k And my scores are EQ 659 TU 681 EX 679
  12. Marvel Mastercard - $1500 -> $8000 Requested $15000 and they countered with 8k. Sounds good to me!
  13. AMEX BCE $1k -> $2k was looking for the full 3x but still happy with an increase.
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