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  1. Hi all!! Small question, I was upgraded to the regular card with Fingerhut from the "fresh start" program on Dec 17th. My Credit Karma went from 565 to 627, I know those scores don't count. Anyway, when would I be able to apply for another starter card or easy approvals? Before the fingerhut reported, I applied to Target and was told I needed revolving accounts. Now I wish I had waited to apply. That was a couple months ago. I also have 4 inquiries on TU and a couple on EQ. I have a couple baddies (T-Mobile) $247 and $455 on TU and EQ and one or two collections that are set to fall off wi
  2. I 'm almost at 6 months with the Platinum Rewards Visa (my first card with them). When can you get your first CLI and is it automatic or do you have to ask for it? What happens when you click on the request CLI button on their credit card product page? I think that has always been there since I received the card but im not sure. Any insight from you Penfed veterans is greatly appreciated.
  3. Noticed this on the Barclays site. Any thoughts on this? Is there a BOA US Air product I don't know about? I think there use to be a BOA US Air debit card...
  4. Anyone know much about Suntrust credit cards? I have an old student loan backed by them but that's my only experience with Suntrust. Doesn't look like anything too exciting but not too bad either. Not much of anything in credit pulls. https://www.suntrust.com/PersonalBanking/EverydayBanking/CreditCards/CashRewards Anyone want to be a GP for one? The cash back card is 2% up to $6k on gas and grocery then goes to 1%.
  5. Hi, I'm about to apply for a mortgage so I will have 2 mortage companies do a hard pull for my credit, from what I read hard pulls within one week are not that bad, so I was thinking I can also apply for higher credit limits with the credit cards that require a hard pull, apply for better home insurance rates (which I think do a hard pull also), etc during this period, is this a good idea? How many points should I expect to lose on my score? Thanks!
  6. Whoo Hoo! DW was just approved for NASA Visa Platinum Rewards, $13K, 9.9% I'm trying to make sure she has a complete credit profile, she has no credit unions yet. Although, she was just accepted to Navy FCU (based on my membership). CC application there is "pending". Her FICO scores: Exp : 789 TU : 798 Eq : 806 The NASA HP has not shown up yet, but I'm guessing it will be Experian like mine was. GIFSoup
  7. I'm in the process of getting a HELOC and I want to know if that limit will weigh on what the CCC decides to give for a new CL?
  8. We bought our house about 3 weeks ago and I immediately app'd for a Lowe's card and got a CLI on recon for $5000. Since then things have gotten out of hand!! I spent approximately $3800 on the Lowe's card on things for the house, and splurged on a washer and dryer. I sooo got caught up in the excitement of shopping for my new house. My utilization is ridiculous across the board on my 5 cards. I make decent money and I know I can get this under control in the next 30 days. I'm just falling into the pattern of paying bills with my credit cards and then paying the balance with my next check and
  9. Just wondering if anyone can give me their opinion on an EASY Amex to qualify for. I am gearing up for my own App Spree and am considering Macy's or Dillard's, though I know these aren't Prime Cards, I am wondering if they are even worth app'ing for or if I am missing others. FYI, I am not going to app with BofA or PenFed as I don't believe they aren't a viable option for me at this time (In recent App Spree DW was Declined at PenFed and BofA gave her a $3k Rewards card). Again, any input is greatly appreciated. On a side note, am I understanding correctly, that ANY Amex gets you into the Cent
  10. Hi all, This is my first post, as I am new here. My husband and I recently filed Chapter 7 BK and it has been discharged since September 2014, we are now wanting to rebuild our credit, our scores are both just shy of 600, (my husbands score shot up 87 points AFTER BK was filed...mine went up by 1 point...weird huh) We are thinking we will need to get a secured credit card, which is fine, but do not know who to go with? We currently bank at a local credit union and thought of going through them, but wanted to make sure it was reported to all 3 credit bureaus, So should we go for a MAJOR co
  11. Hello, I was pre approved for house and bank just accepted my offer last week, I received notification today that credit score dropped 28 points ONLY thing changed was alert saying "credit usage significantly increased 45%" it takes me to 608 score which is below 620 needed with lender for FHA. Spoke to loan officer and said yes it could affect me closing on home. My inspection is tomorrow so I have time, I paid off card today to $0 balance. Do you think I will be OK come closing?
  12. Hi all! As someone who has recently found creditboards and has started my repair journey, i am in need of some guidance because i'm feeling really lost. I posted a topic in the Canadian finance section as I am from Ontario, and it has gotten no replies I have 2 credit card charge off's. Charge off 1 DOLA is 06/26/09. Charge off 2 is 09/23/10. In Canada I believe accounts fall off in 6 years from these dates. My idea is to report as obsolete early 2015 for charge off 1, but i need advice for charge off 2. I, like most people have started this journey to get approved for certain things com
  13. My wife and I do not have the best credit that we should. We're getting ready to get a couple of secured credit cards and need to know how many Authorized Users are allowed by which cards. We have 5 teenagers at home and not only want to boost our scores, but build their credit as we kill two birds with one stone.
  14. Are there any non-secure credit card available for a EX score of 500? I would like to open a secure card as well as another to help boost my score? I currently only have 1 open retail card. Any advice would help!
  15. Hello Fellow CB'ers, I've taken all of your advice from my previous info-seeking post, much appreciated. I recently opened up a $300 Secure Card with ESL FCU (local place), with the intention of building credit while removing the "negative" marks currently on my report (using WhyChat's HIPAA process for that.) I only plan to buy groceries and fuel with the card, and pay them back shortly after. However, I am wondering about what the best timing for this is? For example, I buy gas once a week, and groceries by the day (as needed.) When is the best time of the week/month to pay these ite
  16. Hey you guys! I thought i'd pass this information along that i got for Canadians who haven't heard. It's calledhttp://greatcanadianrebates.ca and if you buy a wide variety of things on popular sites anyway, for example: Ebay,amazon,trips,sears, etc then they give you cash back rebates for using their link that they get a commision on. Why i decided to share with my fellow Canadians who haven't heard of it here, is because they have really awesome cash back deals if you sign up for certain credit cards! MY boyfriend is looking at applying for the Cap1 aspire travel world MC and right now they h
  17. I have some questions hope someone has answers to. So, been repairing my credit for some time now. In the past two years I was able to have 20 or so items removed from my reports. But, in me going so my score dropped points mainly because I been applying for credit cards but have not secured one. I tried several secured cards and was denied for all except capital one witch oddly was the same card I had a charge off with in the past. I have not signed a contract with them just because they want me to send them $300.00 and in return the would send me a card in like 8 weeks dont sound practical t
  18. Got a card nRewards with them 2.5 months ago. Did a PC after a few weeks to a cashRewards card. Have run about 10k through it so far with multiple large payments and always a $0 balance on statement. Is there a good waiting period (like 3x 61 day on Amex) to request a CLI? Better to do one on the phone, secure message or online? I have multiple personal and business products with them (Auto, CLOC, CC, Personal Loan, etc). Thanks for the feedback.
  19. Hello All, I took a break from writing, just reading daily. The last update was that I had 3 CO... Since then First Premier gave me the option to re-apply for a new card and transfer the balance, which I did. Was that a wrong move? I also received my Capital One Secured Card in the mail. Two things maybe three things I need help with... 1. I opened an account with my local credit union and they informed me that my score is a 640 TU score... However, CK is stating 577.. Which one is accurate? I will be pulling my scores and reports to see how First Premier is reporting. 2. As I ment
  20. So i just paid off all my credit cards and now I am fighting this insane urge to spend, does anyone else have this problem? Today I almost bought a 2k dollar imac that I didnt need and a 3k dollar camera. I am thinking of cutting the card up to keep me from using it.
  21. jdmc1973


    I was rummaging through Amazon credit card marketplace and saw an offer for a $50 Amazon gift card for applying/getting approved for the SDFCU EMV Visa card. So, after thinking about it for a minute or a day I can't remember which, I applied. I was already a member of the American Consumer Council so that was my way in. This is how it played out...so far. Applied yesterday morning Yesterday afternoon received 3 emails from SDFCU/Docusign that I needed to sign. Opened those up, they included the CC app, membership app, rate disclosure (11.99%), risk disclosure (stating I received this
  22. So I am completely new to this forum, I have read over WhyChats page and before I started on his program, I just wanted to make sure his guidelines are for my situation. I am just stressed that some of these creditors are going to try and take me to court for this when I go and try to dig up dirt and disputing some of this. I am 24 and I have another baby on the way so my husband and I are trying to get into a home, but of course we have to fix our credit first. Here is what my credit is looking like: TransUnion: Capital One Opened 9/12/2010 Last payment made 08/27/2013 Original Char
  23. There are quite a few things on my credit report. I don't know where to start. I have a credit score of 510. I'm 25 years old and didn't have the income or knowledge for maintaining great credit. I now have the income ( I think) to fix my credit. I just don't know the 1st step. Someone please help. I'm sure I need to provide additional information. Thanks
  24. I was approved last week for the Rate Advantage card and was going to try for the AMEX but didn't want another inquiry on EQ since it took so long for me to B* the 28 I had on there off. So, I called them this morning to ask and the guy said any new app would result in another hard inquiry and they couldn't use the pull from last week. Has anyone been able to get them to use a recent pull for a new app instead of pulling EQ again?
  25. Hello everyone, I have slowly improved my scores since joining this board and reading all the great information. Lots of amazing advice and support. I have over the past year or so added to my card collection and have been fortunate to get some cards I thought I would not have been able to get. Here is my current list of cards and was wondering what I could add that would meet my rewards/cash back needs based on my spending habits. So my needs/spending habits are as follows in order of spending. So preference is Cash back/points on Groceries Gas Restaurants - fast food woul
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