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aroberson

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Everything posted by aroberson

  1. lets see if they fall into the 2s, not worth for me to pay closing costs with my current rate of 3.61% APR
  2. look at the Lexus IS and Infiniti G37/whatever they call it. Both are well built cars with 4wd available.
  3. $7000 maybe in revolving, that number has come down in the past 6 months every month. Making all my minimums and then some. I am not generating new debt. I did recently get like $40k in CLI with Synchrony, maybe they thought that was too much? and as Hege said, maybe they are trying to reduce their exposure to subprime situations
  4. Thanks, and I have never had any issues with paying Synchrony, and have one 30 day late in 2018 that was my fault of not updating the automatic draft bank account. I was really only using those 5 synchrony cards to help build up my available credit to reduce my utilization as I paid off my other cards. At this point I am going to call my current creditors and see what I can do for a CLI, and hopefully boost them to 10k or more
  5. I have one at 28%, 2 at 24% and one at 11% Yes I know it is bad to carry balances, but I have finally gotten a budget together and building savings, and being able to pay all my bills
  6. I believe they are now, the AA of open accounts is 2 yrs 7 months
  7. Thank you! I am going to, it just sucks losing $50k in available credit
  8. FICO scores from when I applied for some loans recently was 738 or 742 I believe, not the greatest but still ok. The deferred interest is on a Rooms To Go card, one of their 5 years 0 interest offers
  9. I found out yesterday that Synchrony closed all of my accounts with them, 5 in total, about $50k in available credit. They said they sent me a letter, and it states that my credit report shows that I am at a high risk of being unable to pay my accounts. I only have a balance on one of my cards, and it is on a deferred interest plan. I assume they really are trying to do something else here, Should I even bother trying to keep these accounts open, or just look for new credit with better banks/lenders?
  10. Would there be any positive change by getting my credit reports to show a previous address? They have 2 of my other previous addresses, but it is missing a rental we lived in before we bought our house in 2016
  11. I got one to get the % off, ended up saving $70 on our daughter's birthday present so I think it was well worth that at least. I will use every once in a while and get the 5% off on something we need just to keep it active
  12. I hate that he takes credit for everything that his companies do when in fact, he just made these companies that were able to hire smart people. He is really good at raising capital though. Also Teslas are not that impressive to me, paint, and fit and finish is very poor compared to a real car.
  13. Thank you for the feedback. I am going to let my accounts age and try in 3 to 4 months. My auto loan will also be paid off so I am sure that will help as well.
  14. Yes it was from a debt consolidation company, Do not remember the bank specifically. I also got these interesting codes from upgrade.com, Blue Ridge Bank, N.A. They used TransUnion, and SageStream LLC, anyone ever hear of that? High number of recent applications for credit. High number of recently approved applications. High requested loan amount in relation to income. High number of installment accounts recently opened I asked Lightstream about my denial, and they said they do not consider that I will be paying off any existing personal loans with the new loan, so that is why I was denied with a higher than average credit score. I actually had a way worse credit score when I got my original loan.
  15. Yes I know I just unfortunately do my banking with WF right now. I will be going to look at a CU soon though
  16. just don't use your card to pay for it lol! I was in a similar situation, and used upstart to get a loan to consolidate my debt. I had about 30k in debt, and was able to get a loan at 16%, and then about 9 months later got a loan for 12.8% APR. With a score of 660 and the fact that you have 4k in extra income to pay debt with, I would definitely explore this option. Just be disciplined and do not use the cards once you have them paid off.
  17. I tried WF for a personal loan and was denied, interest rates weren't that great anyway
  18. Yes, I will look into combining limits. and I am not adding these new cards for moving debt per se, just wanted to have $100k available credit
  19. Relatively low? I think mostly 1000-3000 limits, my Discover is the highest limit of 18k
  20. Time since most recent trade in derogatory status opened is too short Change in bankcard balances relative to the average bankcard balance over a 24 month period is too high. Time since most recent inquiry is too short. Length of time student loan trades in repayment status have been established is too recent or unknown. Have one 30 day late that is over a year old. I have 31K though in consolidation debt, I really would like to make just one monthly payment. Seems like my bank approved me for a loan, but it is a higher APR
  21. Thank you for the advice! I am definitely will continue to do so. The only thing that sucks right now is I am trying to refinance my debt consoldation loans at 12.8% APR, would really like a APR of 6% or so, but no one will approve me, should I look to a credit union?
  22. I finally got approved, but also have an ally account, I am thinking of transferring what I have in robinhood to that
  23. Thank you for the feedback! I do enjoy seeing the zero balance, all my cards for no annual fees. I am working on paying the debt I had from previous bad habits, and learning how to use a CC as a tool to gain benefits, not debt.
  24. I recently have been working on getting my credit score higher and also want to have $100k in available credit (maybe a dumb thing to do). In doing so I have gotten about 6 new credit cards in the past 6 months. All of them have zero balance, about $30000 in available credit, I recently noticed my equifax dropped 16 points. I assume this is from the inquiries and new accounts? avg account age is 2yrs 8 months. Should I close any of the new accounts to increase my credit age? Or just be patient and wait for the accounts to age and the inquiries to age. I am looking to buy a car next year, and maybe refinance my mortgage, and really want a 750+ score before I do so
  25. lol! BTW what happened to self control? Am I the only millenial chasing 100k in available credit? To be fair I did make my mistakes and generate $30k in CC debt, but I am now using a budget and keeping spending in control

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