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nyquil556

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  1. nyquil556

    Last Collection Removed = Score Drop

    Get those recent lates upgraded (if possible). Reduce utilization and never buy a tradeline. It looks like you are almost where you need to be. Put any current payments on autopay so that you never miss another payment. Those resent lates are killing you. Sent from my SM-N950U using Tapatalk
  2. Good points all. However, my comments are related to a system that cons unsuspecting victims. That's how cons work. Just because the victim makes a poor decision based on a deception ie, student loans etc.) doesn't mean they haven't been conned. Sent from my SM-N950U using Tapatalk
  3. nyquil556

    Last Collection Removed = Score Drop

    It was probably caused by age. Don't worry about it. My guess is that you have other more pressing rebuild issues (ie. adding positive credit, removing more negatives etc.). Keep grinding and celebrate the victory. Sent from my SM-N950U using Tapatalk
  4. The letter has an account summary with an account number and OC at the top, so they aren't having a problem finding my file. What is the expected response to something like this? It seems incredibly vague. Thanks! I would wait for Experian to respond to the dispute you initiated with Experian. If the collection is removed from Experian then don't respond to Jeferrson. If the collection is not removed then send Jefferson a debt validation letter. You can search these boards for the latest and greatest DV letters available. Good luck Sent from my SM-N950U using Tapatalk
  5. That makes sense. If you had called right away they may have reevaluated. Co grats either way. Sent from my SM-N950U using Tapatalk
  6. I suggest to always call nfcu after they approve you and ask if you can get a higher initial limit using your original credit inquiry. Make sure to mention that you want the initial pull used and not a new pull. Remember to mention that you are good with this initial limit in case they can't approve a higher limit. Good luck. Sent from my SM-N950U using Tapatalk
  7. Awesome news. Enjoy Vegas! Sent from my SM-N950U using Tapatalk
  8. nyquil556

    Swimming in credit card debt

    Dispute the collection and after removal request a lower interest rate. Your score should go to the high 600's Sent from my SM-N950U using Tapatalk
  9. You are fine using the information from your current job. Typically, changes in jobs are only relevant when applying for a mortgage. Make sure you look on these boards for the best credit union to get preapproved. I would use penfed or navyfed (if you can get into navyfed). With your scores you should be able to finance in the 2% to 4% range depending. Good luck and enjoy your new job. Sent from my SM-N950U using Tapatalk
  10. nyquil556

    Wells Fargo Personal LOC 20k Approved

    Which report did they pull and what are your FICOs? Thx Sent from my SM-N950U using Tapatalk
  11. nyquil556

    Truck loan for business

    Wow, OilOperator, thanks a bunch for the tip on the conversion from personal to business. Is the conversion process relatively simple? Sent from my SM-N950U using Tapatalk
  12. nyquil556

    Wells Fargo Personal LOC 20k Approved

    What were your FICO scores and which bureau did they pull from. Thx Sent from my SM-N950U using Tapatalk
  13. nyquil556

    Plan to Upgrade Credit Card Quality to Premier Cards

    Creditchecktotal.com will give you various versions of FICO scores for all 3 bureaus. Sent from my SM-N950U using Tapatalk
  14. nyquil556

    Credit Suite

    I would like this strategy confirmed as well. Thx Sent from my SM-N950U using Tapatalk
  15. nyquil556

    Plan to Upgrade Credit Card Quality to Premier Cards

    I wouldn't apply for anything until you verify your FICO scores are above 700. You can call for credit line increases via soft pull for your current cards to see what happens. Sent from my SM-N950U using Tapatalk

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