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cjsmilez1

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  1. Awesome. Congrats! If you don't mind me asking what kind of limit did they give? I only asked for $1500 because I didn't want to push it given my FICO of 621 AND the DTI would probably be close.... the rep I've been talking to is VERY nice and has been helpful....just want to get my foot in the door with their credit products and and hopefully let it grow.....I've been impressed so far with their service....... Cool! I cancelled my app with them as I wanted to apply for credit but they pull 1 for membership and 1 for credit cards. Don't want an extra inquiry.
  2. If it's frozen and they need to pull it they will contact you unless the one they actually pull isn't good enough for approval. But I would lock the report you don't want them to pull.
  3. For those starting out Capital One. All the major CC companies such as Citi, Bank of America, Chase (they might consider), Amex, Discover etc want to see more of a revolving history.
  4. Awesome. Congrats! If you don't mind me asking what kind of limit did they give?
  5. I got the same message 3 months ago. I was approved and my credit score at the time was 705 with an unpaid tax lien (that was actually paid) still showing up. Call 1-800-955-9900. But I think you will be fine.
  6. Update: As of 9/13 all my Liens have been removed. Thank goodness. No change in score but the 60 days was worth the wait to get them cleared off! Good luck to everyone who's trying to get them removed.
  7. I had overdraft protection with my checking linked to my savings until 2-3 months ago. I had 2 credit cards go missing waiting for them to be shipped through USPS. It made me think, "If that were my checkcard lost/stolen in the mail and someone used it they could clear out my savings!" I quickly cancelled. I don't believe in overdraft protection anymore as I know and watch what's going in and coming out of my account. Extremely leary of OD protection now.
  8. They refuse to increase my BBRZ and I've had the thing for 3 years. It's on the chopping block for November before I am hit with the ridiculous 59.00 monthly fee with a measly $300 CL
  9. They just did the same for me! But they really could have kept it. Had the card for 3 years and I get 200 bucks? I was a pretty heavy user with the card and paid it off monthly. I'm charging gum on this card from now on.
  10. They actually increased my limit yesterday which they could have kept. 200 bucks...really HSBC? And after 3 years with 1 x 30 Day late. I'm never using the card again anyway.
  11. What scores were you using? I know VantageScore and Score+ have almost no impact from old liens. FICO
  12. As of 9/6, Federal Tax Liens deleted from Transuion and deleted from Experian on 9/8!! Now just waiting for Equifax. Only 4 point increase in my TU score. No change in score for Experian. Just glad they are Off!

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