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  1. stepbystep

    Post Discover Graduation Questions

    thanks for all the feedback
  2. So my Discover card finally graduated.. I am grateful not frustrated it took as long as it did. nice little bonus to further push my utilization down on other cards. With that said I have a few other questions fo those that know. 1) should i expect a credit limit increase automatically? if so when should it reflect on my account? I just received email last night.. 2) if i dont get CLI automatically should i request one or should i wait? are there guidelines 2X? 3X? current limit? is it a hard pull if I request one? 3) any other tips would be greatly appreciated.. Thanks to this forum for all the assistance you all have provided. If any one has questions for me please ask..
  3. stepbystep

    Fastest way for bureaus to update corrected CC balances?

    You can call and request Discover to report off cycle and they’ll update your information whenever you ask.. Sent from my iPhone using Tapatalk
  4. stepbystep

    Removed Collection and got Bupkiss

    thanks to everyone who has posted.. i have lots more info on where I am.. the only defogs that i have are lates on 4 capital one accounts (two credit cards and two auto loans) that were from 3 years ago.. I have resigned i can't do anything about those but what i can do i get my utilization down.. and that will have biggest impact on my scores especially the "ghost" card(aka a card that is closed with a balance, I'm not sure if there is a technical term). Any way thanks again.. the fight continues #stepbystep
  5. stepbystep

    Collection removed and bupkiss..

    That’s good intel.. thank you Sent from my iPhone using Tapatalk
  6. stepbystep

    Collection removed and bupkiss..

    Unfortunately Chase did it to me.. for reasons I’m still not certain on.. im not sure what to do about it? They closed on me a month after I got it.. it’s no interest so I haven’t rushed to pay it.. plus I also was dragging it out to age it a bit.. but I think that’s my biggest obstacle.. Sent from my iPhone using Tapatalk
  7. I finally FINALLY got my last collection removed.. I was expecting a nice bump... 10 or 20.. or 50 points... guess what i got.. nothing.. is this normal? was i foolish to expect more? The collection was scheduled to drop off in about 18 months so maybe the fact it was so old minimized its impact. I don't know.. Id much rather have it gone but i was hoping it would have made a bigger difference. My utilization is in the 50s so I am hoping as it gets under control that it will have a bigger impact.. maybe my other blemishes are still holding me back.. who knows.. just was curious if anyone else had a similar situation..
  8. stepbystep

    Collection removed and bupkiss..

    thanks for the input.. ill post this there.. heres a tangent question about utilization.. how do closed cards affect utilization? I have a closed 0% interest card for another 12 months I'm not in a rush to pay off. does that affect my over all utilization. if i have 2 cards open and one closed. 2 open cards are 1000 out of 5000$ used so a total of 2000 out of 10000 (20% utilization) and closed card has 3000$ due... is my utilization 50% 5000 due on a total of 10000 available or is it 20% 2000 used out of 10000? I hope that makes sense? Thanks for your input. Sorry for the math
  9. stepbystep

    Collection removed and bupkiss..

    I finally FINALLY got my last collection removed.. I was expecting a nice bump... 10 or 20.. or 50 points... guess what i got.. nothing.. is this normal? was i foolish to expect more? The collection was scheduled to drop off in about 18 months so maybe the fact it was so old minimized its impact. I don't know.. Id much rather have it gone but i was hoping it would have made a bigger difference. My utilization is crazy high so I am hoping as it gets under control that it will have a bigger impact.. maybe my other blemishes are still holding me back.. who knows.. just was curious if anyone else had a similar situation..
  10. stepbystep

    Combine secured and non secured

    thanks... i figured it was worth asking
  11. stepbystep

    Combine secured and non secured

    thanks
  12. stepbystep

    Discover Card FINALLY Graduated

    did you do anything special? call and ask? pay in full every month? low utilization? I am in similar boat coming up on 2 years just want to put myself in best situation to unsecure
  13. stepbystep

    Discover Card FINALLY Graduated

    did you do anything special? call and ask? pay in full every month? low utilization? I am in similar boat coming up on 2 years just want to put myself in best situation to unsecure
  14. stepbystep

    Combine secured and non secured

    so i have 2 capital one cards.. one is secured the other isn't.. if i combine the two will i get deposit back? Does that effect history? or only credit limit. I have had both cards for 2 and 4 years respectively i missed a payment on both (same month 2 years ago). Any input would be greatly appreciated. I have tried to filter through a variety of threads just looking for clarity. Thanks
  15. stepbystep

    Amex reconsideration

    So Amex finally gave me a credit increase without asking.. A week or two ago they doubled my limit to 1000$. Im grateful after being on their poop list for years.. My question now is should i pull trigger for another increase now or wait a certain amount of time? Also if i do request an increase is it a hard pull or soft? also my card was a rebuilder card so i am not sure how much that still matters

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