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  1. get.randy

    Score drop

    Stop looking at fake scores for starters. Buy your real FICO scores so you know where you stand.
  2. You say you have nothing reporting on your credit file in the last paragraph, but you say that you're disputing several items and inquiries in the opening paragraph. What items are you disputing? Why dispute inquiries? If they're legit, this can only come back and cause problems for you (fraud alerts, etc). The accts you're talking about applying for are not going to help you at all. You're far better off following your brother's advice of getting a 1-2 secured cards (w/ issuers who graduate automatically in less than 12 months) and put up the biggest deposit you can. Adding a few AUs would help as well if this is an option. How long did you have the auto loan for? Had it not already reported before you paid if off. I don't know that you'll get a big score boost by having a paid installment loan report.
  3. https://creditboards.com/forums/index.php?/topic/578670-a-couple-questions-for-the-chase-experts/
  4. The rules of this game are literally different for every city. As Mec said, your best bet is to pound the pavement and find out what works and doesn't work for you in your area.
  5. You took a hard pull to go from $60k to $10k?
  6. You're only 18, so there are additional items they must consider due to the CARD Act.
  7. Unfortunately Amex no longer backdates, but I'd still keep trying to get back in with them if I were you. They're one of my favorites in terms of rewards, and their customer service is top notch. Sent from my iPhone using Tapatalk
  8. I opened one about a month ago for the SUB. I"ll eventually combine it into my Cash Rewards card.
  9. That's worth $95 Sent from my iPhone using Tapatalk
  10. I can't sign in on the website or the app right now. Says they're "working diligently to fix things so please try again soon."
  11. I thought you may have gone if to find George Sent from my iPhone using Tapatalk
  12. Are there any other negatives on your report? If not, I'd wait to apply for any additional cards until after you've paid off the card you have. That utilization is killing your score.
  13. Where do we sign up?!? Sent from my iPhone using Tapatalk
  14. I couldn't make it all the way through. 3 minutes of my life I'll never get back. Guy is clueless as to the card benefits, and said you have to be invited to get one. What an idiot.

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