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About LuvingMomof5boys

  • Birthday August 2

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    Motor City

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  1. I wouldn’t be worried about the fee if it was a value driven card but it’s subprime and has a fee. Blaze and First Savings I guess I will have to keep them open until more of my cards age... [emoji53] Sent from my iPhone using Tapatalk
  2. I have been working on closing all my bullsh*zzz cards .. And I had a lot some 5 years ago that i ache closed but some stragglers remain. I had a Barclays rewards they sold them to Mercury - but it’s my oldest card and then I have 3 other subprime the group totals about 2000 in credit which I can spare in utilization BUT I have a lot of new credit - so can not afford to lose age .. not a bit. I have seen varying opinions on if closed cards count to age??? If I close these do they continue to count or no? 2 have AF - 2 do not. Thanks all! [emoji854][emoji9] Sent from my iPhone using Tapatalk
  3. I found this thread personally interesting I worked for an insurance agency in 2005-2007ish that was purchased by Standard Federal Bank -(which was another bank before) Subsequently that bank was purchased by Abn Amro Then-LaSalle Bank And finally Bank of America - who fired all the employees and sold the book .... The banking industry thought it wanted to get into insurance but could not wrap its mind around the profit margins - different species entirely Sent from my iPhone using Tapatalk
  4. I honestly wasn’t trying to be harsh - but I could have wrote your post. Best of luck ... it was a very hard road but omg so rewarding I sat down and calculated every penny of interest I paid over at first one year, then two and finally five years ... plus fees from all avenues including banking - I threw up literally. And not to be gross but violently.. When you pay $2 on this card, $5 here it doesn’t see so bad to carry a balance but total it up and add it up over a few years and then think about how you could have paid yourself ... [emoji849][emoji855]🤮🤢🤬 Best wishes - on your very rewarding but hard journey!! Sent from my iPhone using Tapatalk
  5. This is coming from the heart and my honest experience. Don’t read the boards approvals threads - subprime bashes etc just the budget threads until you get things cleaned up. Three years ago I was underwater and I would want more credit and better cards but was 95% utilization and horrible loans. I didn’t want a hard work fix just an Over night solution (Cli’s or lotto- ha!) However two years ago I got serious and I am now at just under 15% and it’s at zero % interest ... then last week increased avail credit by 52%. These boards make it easy to lose your focus - high credit limits, easy approvals - because they are at a different stage ... stay focused and don’t give up. But for heavens sakes no more loans. That’s how I got it cleaned up - cold turkey. Good luck [emoji256][emoji1360] Sent from my iPhone using Tapatalk
  6. I haven’t applied for much since I started rebuilding in 2015- I got a bunch of cards then some store, 2 cap one and some subprime.. most my subprime are closed now. This week Was preapproved for Delta Amex, Usaa and Target ... then increased limit on four cards by 2k over the four... I increased my total avail credit by 52% Utilization prior was 15% - but I have been paying off in full - only reason it’s 15% is we had a big medical expense I didn’t want to dip into savings so I used zero interest on care credit. Not a huge jump like some of you but time to tend the garden for a bit now [emoji847][emoji6] Sent from my iPhone using Tapatalk
  7. http://blog.credit.com/2015/09/2-of-americas-largest-debt-collectors-will-refund-60-million-to-consumers-125132/?utm_source=newsletter&utm_medium=email&utm_campaign=9_11_2015_CRC&spMailingID=23500815&spUserID=MTI2MzMxMTQ3MzUxS0&spJobID=641412897&spReportId=NjQxNDEyODk3S0 I have multiple accounts with portfolio - could they be forced to stop collecting by any hope from God? [emoji120][emoji120][emoji120][emoji120][emoji120][emoji120][emoji120][emoji120][emoji120][emoji120][emoji120] or will these only apply to those in the law suit itself ??? Sent from my iPhone using Tapatalk
  8. Smh why are people so negative.. Sent from my iPhone using Tapatalk
  9. I originally joined when I was cleaning up my credit from when I had screwed up 18 year old moronic mistakes - they were WELL. Out of sol and reporting time . In less than 6 months for all- 90 days for most I had a clear but paper thin report. It took me FOREVER TO raise my score... Now after a severe illness and long term unemployment I am rebuilding.. I am assuming it's due to my many positives (I closed vast majority of my cards with a zero balance when it got bad so there were a ton of positives in my report... - have 6 charge offs, a bk, a judgement and 8-9 collections depending on the bureau ) which sounds horrible but considering the avail credit I had - that's nothing... I had been paying in full 90% of my cards... Just a few low limit cards had balances when things got ugly .. In hindsight - I got over whelmed prob could have saved them but hindsight is 20/20. So now 5 months into building - all those negatives my score has gone from 350 to 603- (fico).... Can I expect this to continue to rise at a decent level with positive reporting / no new negatives? I'm thinking of paying the caps ones to prevent lawsuits... In the past I would DV with no care in the world [emoji56].. Now I'm scared to push them into suing them as they are split between two ca's who have 2500-4000 each. Two accounts are illegal private loans that should have been in my bankruptcy but my attorney wouldn't let me. Any advice is appreciated. Thanks B. Sent from my iPhone using Tapatalk
  10. I defaulted with them in 09 had no idea then who they were . They do not report wrong ever now that the sol is up the letters state we can no longer sue you But... We want our money .. However another few debts owned by them have tons of illegal reporting . Sent from my iPhone using Tapatalk
  11. Not that I want or I'm wondering if it means that's what it looks like on the report. The one on my report is Express - I don't have that but it says that on my cr. I know Amazon and Walmart are I couldn't remember how to spell it- on my phone.. Sent from my iPhone using Tapatalk
  12. I know there are some cards that "gift" you the account without a hard pull - sychrony?? I think it's spelled is one that will offer you it while you check out .. But do they show up in your credit report as an "Ar-" inquiry? Like an account review ? In my prior experience these were for existing relationships not for those doing reviews to see if they wanted to do business.. Any insight??? Sent from my iPhone using Tapatalk
  13. Agree- a soft as part of the background check- is admissible... I have had this happen.. But every SINGLE time they made me sign a release first.. I did not care but they did... again my company doesn't even do these they find them invasive. They feel they are only needed if you are a controller etc. We handle company credit cards but we are a small organization- that was ate by a bigger one so if we were to "run wild" with a company credit card it would take all of five minutes for someone to know who did what with said credit card. LOL
  14. No and I work in finance .. But it is a norm in my field .. Other positions I interviewed at mentioned it but I refuse to . My private life is not my employers business unless I'm am involved in criminal activity which I am not. So I will submit for a run of the mill background check but that is it. My current employer does not even do that. They feel it's invasive .
  15. Well much my surprise and dismay having 100k in student loan debt on deferment due to "income based payment" has caused my credit scores to soar from the 300's to the 600's.. Who would have thought! They where never in payment to begin with so I never thought it was affecting it.. Sent from my iPhone using Tapatalk

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