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  1. I have two medical items at a CA. One is on my credit. Dental company. The dental company zeroed out my bill as a courtesy. They sent me docs to say my account is paid in full. Actually that there was no bill aka I owe them nothing. Now, if I send that to the CA (radius solutions) will they totally remove the mark on my credit, or just keep it on there and say 'PAID IN FULL'. I would rather have it not even listed....aka totally removed from my credit reports. The second one, Quest Diagnostic, is with rad
  2. Thanks! Yes feels good to have a large limit and a bigger name card, Visa Signature Series. The $1800 or so balance....some things maybe I should pay for out of emergency savings. Will have to re-evaluate that. And will keep that theory in mind...thank you...(credit card stuff I was gonna buy anyway, emergency savings for unexpected). Thanks! Great Advice! Now..... Since the last post.....I did a little app spree. Gonna stop that for a bit and only do it yearly or very carefully because...... The only thing that happened was
  3. How recent was your BK? I had mine in 3/2016....appd amazon card...was given 7-10 indication....got Chase credit inquiry on my TU report. Am I applying too soon? Also, there is a thread on here about BK friendly and age after BK for best approvals. Anyone have that link? Thanks!
  4. Nice and congrats! How long do you have to be past BK (yours was 5 years) to have a chance with Chase?
  5. Hi! So my fico EX is 675 App spreed little bit Jet Blue... Barclays said no...too many cards opened in last 24 months. (I have 8, 3 are toy cards). They pulled EX and my fico was 675 Amazon signature Visa ...synchony. Letter coming. ( I had TU on credit freeze..maybe I don't even want that card, hearing horror stories about synchony) Captial one Venture card. (TU was on freeze, they say they also pull or look at Lexus Nexus). I called app line, told them I unlocked TU, they said had to apply again, and would not give me any
  6. Hey sorry to resurect an old topic but this raised a question for me. When I included cards in my BK...aka IIB.... How do I know if they are reporting correctly? (Pulling my reports I guess..duh) And.....what is the best way for them to report? ...what should an "IIB reporting correctly" look like and what would it state on the credit report? Thanks. CR2x
  7. thank you for confirming. I think my next step is to wipe off the baddies for all 3 CRAs I also want to app spree about 4 to 6 mid to high line cards. on the same day, and see if I can get any cash or travel rewards. ive seen it before, but where is the list of cards that will consider a BK after x amount of years...mine is over 2 but less than 3 yrs. dont want to waste applying if the credit card wont lend to me if my BK is not 3 yrs or older. along the same lines, some cards wont lend to you if their account was included in IIB
  8. isnt a car loan...i have a used car loan and a refinanced car loan...and a secured personal loan ...arent those installment loans? (I dont have a mortgage, I rent ) also...the discover is only $1450 avail limit. (what is the abreviation for this..haha. CLA..credit limit available?) and my limit on NFCU is $6000. the 2 dollar fico trick says leave $2 on the BIGGEST credit card trade line...and if that is discover...then it has to be $3. thats how I interpreted it..maybe Im wrong in that one. anywho....NFCU reported the ending balance of $3.18.
  9. ok...so just paid $7.70 on discover and $.01on the TD bank...the other day I paid the NFCU over $2 excess of $1.18...but dint make the statement closing. trying to get the hang of...closing date, statement date, due date, and reporting to the CRAs date. hopefully I have everything lined up for zero balances and $2 reporting on highest revolving TL. if I missed it this month, will strive for it to happen next month! thank you! CR 2x aka credit-credit
  10. hi nyquil....thanks for ur interest ... i have a BK from march 2016 i have 5 or 6 lates on two car loans from 2014 and 2013 and... I have to look again to see what accounts are listed on my reports, but most were IIB, except for my new credit lines I have to work on getting those TLs off my report...the ones that were IIB. and the 2 car loans I have late payments on with Wells Fargo Dealer Services. Any links or guidance would be helpful. And I will keep reading the forums. those are the only things Im thinking
  11. ok.... so discover is paid in full nfcu is paid.....has a 2 dollar balance on it.... bill was due today, and cycle is on the 27th...reports to CRAs on the 30th still have to cancel credit one at 900 avail and open sky at 200 avail...cancel the toy junk bottom feeder cards so right now I have my revolving credit card TLs available credit over 10k. my biggest card, nfcu at 6k avail...has 2 dollars on it. lets see what happens with Sept Ficos! july was 635 and august was 655 now, the wait and check the first week o
  12. ok.... so discover is paid in full nfcu is paid.....has a 2 dollar balance on it.... bill was due today, and cycle is on the 27th...reports to CRAs on the 30th still have to cancel credit one at 900 avail and open sky at 200 avail...cancel the toy junk bottom feeder cards so right now I have my revolving credit card TLs available credit over 10k. my biggest card, nfcu at 6k avail...has 2 dollars on it. lets see what happens with Sept Ficos! july was 635 and august was 655 now, the wait and check the first week o
  13. And, I couldnt resist. Lol. Asked Navy Federal aka NFCU for a CLI on my $2k mastercard They did one hard pull on one CRA and I was granted a 4k increase...up to a credit line of $6000. That sure was good news! So my next steps: Cancel Credit One ($900 TL) Cancel Open Sky. ($200 TL) Combine Capital One cards (someone on the regular call in line said they couldnt combine my secured with unsecured, so I might have to cancel Capital One $50 secured that is up to $500 TL) Have all cards paid, except for $2 Fico trick, and see
  14. Oh, and does it matter how much I hit the CLI button aka happy love button when it is located in a banking app and it just does only a soft pull? Or do I have to wait a certain time, say 30 to 60 days ?
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