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have SDFCU and finally NFCU, both for $10K, secured... could increase NFCU,have enough in savings. Also have $12.5 in AU am ex *very active* and PIF several times per month) and a $2500 installment credit builder from sfcu (upenn). That is two secured credit cards, an AU amex, and a small credit builder. If I do one more, who? Have a savings and share account at PenFed but file is not totaly clean yet. TU and EQ still have an old mortgage on them, EX also has three old -0- bal chargeoffs from early 2009. I think that I should have a third in my name... does anyone have any suggestions? Have an acct for DCU but they shot me down for a secured card in June and I am wary (file was a bit messier then... also got shot down by capone). EQ is my highest about 734. TU is high 600's. I applied to Barclays last month but I never heard back anything- letter or email... I have 6 HP on EQ only 3 on TU...and they are dropping daily so to speak. I am lousy with bank of a, citi, capone discover and chase, either dropped off OC's (citi/ discover) or still on EX...(chase, capone, banka) am I missing anyone apart from DCU and Barclays? Would love any suggestions...

I am finally getting some settlement payments that have been due in for ages... Used the last $10K I got to open a secured CC at SDFCU. Have a $2500 credit builder from college CU, small savings account at DCU (denied me for secured credit card 2 + mos ago due to a NOW removed C/O of $25K ( not aged off, disputed by an attorney for violations and removed) and a fully discharged and vacated NYS tax lien of $25K. I also opened a savings account at PenFed for $100 (no credit pull). At the time I applied for DCU, I was also denied Secured Cap One for same reasons, the $25K chargeoff and tax lien that are now gone. I have two large bits of money to be moved...one is in a dormant savings account, one in the form of a check.,$10K and $30K. Last baddie on TU and EQ and EX will be removed shortly due to police dept. fraud report ($428 from 2008) excepting my 6 yr. old sold mortgage -0- balance and an active mortgage in foreclosure. That is in settlement proceedings but they have no deed or mortgage note! Scores are in moderate 600's (638, etc). I would like to add a secured credit card or an interest bearing savings account that would reflect well on being offered future credit lines...unsecured when possible to boost my scores up. I don't have any need for this money as only obligation yet to be resolved is the mortgage (have the money, they don't have the note or the deed... small problem!) I guess I could increase my State Dept. Fed CU credit card but unless that will lead to a release on the funds at some point to convert to an unsecured line, I am not sure that that is constructive. I still have three old charge offs on EXP, one paid (CAP One) and two others -0- balance, both JDB CA's fell off due to no validation. There is a possibility that these might fall off due to NYS 380J but this is still in limbo. There is a chance that I can 623 these but that is also in limbo although I have already had a "reinvestigation" and have a hard copy of EXP showing little information. Two of these, CAP One and Chase claim to have no records available to discuss correction of information... Bank of A has full monthly records for 7 years... but they bought the account from Bank of NY in 2002 and I doubt that they have the old credit agreement. Where should I put this $40K to do me the most good so far as a credit profile? Is there a secured credit card that would accept me with a mortgage issue if that is all that is on there or should I wait and just stick it into SDFCU (which should be reporting next week, possibly boosting my scores a bit). After the last five years, I never expected to have money that I needed to put somewhere so this is a high class set of problems but are there any interest bearing CD's that have credit lines attached? I can come up with more money to meet a minimum amount but I want it to do some good for my credit. I can't pay off anything on my credit reports except for the mortgage and they can't accept payment until they locate the deed and won't stop reporting until it is paid- this is in front of a judge and is being handled by a competent attorney and my hands are tied. High class set of problems given that I became homeless last August due to low credit score (low 400's) and had about $3... but I hung tough and I won a big lawsuit immediately thereafter and money is still coming in from that. I don't need credit now but I have never forgotten having no money for food and will never have no credit standing again if I can prevent it. I have marginal income ($25K/ Yr) and lots of cash in the escrow account with attorney. I have a totally clean history with AmEx, Wells Fargo, and Barclays but I have history with chase/citi/ bank of a/ Cap one/ Discover. Discover and Citi are off my reports but I may be on their chocolate list nonetheless. I am totally confused at this point and want to use the funds judiciously to help me in my credit profile.and scores. Please advise me if possible. There are more funds that will be coming in and I also have money in an attorney escrow account if a total of $100K for a CD would make a big difference. I also may have an inheritance coming in soon. This is crazy time and I want to prepare for my good fortune given 7 years of destitution. Thanks so much.

Hello CB, I'm looking to add another Credit Union to the mix, one who is offering a 0% Balance Transfer option for more than 12 months? So far, it seems most credit unions are only willing to go up to 6mo. Except for PenFed which I have no chance of getting approved, due too many new accounts. Would like a Credit Union who prefers to pull TU, but I know that's a long shot! Any suggestions ?? Thanks so much!! Have a wonderful day. Credit Unions I already have accounts with.... 1. PSECU - Combo 2. Navy - cc, and Navchek 3. DCU - no credit prods. 4. PenFed - no credit prods. 5. Alliant CU - no prods. Scores are 700+ All clean

I'm starting to rack them up over here and wondering if I'm going a bit overboard. How many banks & CUs do you belong to and why? USAA Penfed NFCU Alliant local town CU BOA Chase PNC -Just applied to logix & United Nations and DCU....

DCU Rocks! I just joined this morning and applied for their Platinum VISA and got approved for $4,000! Exactly what I told them I was considering. I was also offered a refi on my curent vehicle @ 5.49% for 60+ months. I think I will take them up on the offer since Cap one Autoloan is much higher. These were very nice people to deal with and made the experince great. Anyone know about their CLI 's or if their automatic as well?

http://www.cutimes.com/2013/05/14/california-dfi-warns-against-everyone-can-join-ads?eNL=51520a1b140ba0ed7800006c&utm_source=Daily&utm_medium=eNL&utm_campaign=CUT_eNLs&_LID=137763512