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Found 8 results

  1. Ok, so after getting some great advice from the experts here, I am back to ask for a little more. I'm looking for some general advice as to what you think I should work on next. Sorry in advance for the long post but I want to lay everything out in one place. My Current Situation: Starting in 2006, my FICO scores were about 550 and I had plenty of bad things going on with my reports. Since then I have been lurking on credit boards, and I have been taking a long term approach and rebuilding. With the help of Credit boards 6 or so years later I have no baddies whatsoever on any of my rep
  2. I need some advice from the Synchrony Bank CB mafia (you know who you are on here). I've been to use the correct credit terminology (gardening) come October 1st, 2015 39 months since I last did a credit application (I know I know don't have a panic attack on me credit app junkies...take a deep breath and blow into a paper bag). Those two apps were Wal-Mart and Amazon store card. In this entire time period, I have never (slaps himself in the face back and forth) asked for a CLI from either of these Synchrony backed cards (credit ignorance before I found CB and Myfico is expen
  3. Hi all, I have attached my current credit situation. Where should I start? All suggestions are greatly appreciated. 5/3 mortgage Citi Fin CCU Car AMEX Portfolio dell 5/3 cc hsbc Macys store hh gregg /Mike hh gregg lowes payapl macys visa bull city senex judgement sams disc chase 1st south BOA CC x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x 4/1/2016 7/1/2017 1/1/2016 7/1/2019 7/1/2016 8/1/2017 10/1/2016 6/1/2016 11/1/
  4. I am floored ... I had a COL from Mercantile Adjustment on my EXPERIAN for 3 years now, for an old hospital bill. $1200. I called them today, of course they were rude and demanded payment, so I called the OC (hospital) and was informed that they FORGAVE this debt in 2012!!! It should have never been reported at all!! So, the rep called MERCANTILE and they immediately agreed to delete and sent the electronic request to delete from all three bureau today!!! I am told this will only take 24-48 hours to remove by Experian (Ive had collections removed before and it is correct -- super fast!).
  5. Greetings All, I have a Line of credit on my house ($30,000) as a second mortgage @ 2.5% I currently have a Mortgage (ARM) at 2.5% of $115,000 with increase of 1% due next Oct. $660 monthly I have the opportunity to consolidate the mortgage up to $147,000 @ 3.6% for 30 year fixed. $675 monthly (unknown if taxes and insurance was included) First, Should I do this, or leave along? Secondly, if I consolidate, would the bank let me continue to keep the second mortgage (Line of credit)? Lastly, would it be considered Mortgage debt or an Installment Loan (Line of credit that is) What wo
  6. Around October 2nd, 2015 I'm going to call Synchrony's back door phone number and ask for my FIRST credit line increase in 39 months of having both the Wal-Mart and Amazon store cards. But I want to apply for a much needed Lowe's store card which is also backed as most of us know by Synchrony Bank. I will use it a ton next year and every year on building my mini-dream home (end of 2016) and a flipping business. Not to mention their huge credit limits that I need to help with my credit utilization rates. My question is should I apply online or call for the Lowe's card then immedia
  7. I got in the mail today after 37 months of having a sad $400 CL (don't judge) with a Wal-Mart store card a letter saying in 65 days (unless I say no) I will be converted to a Wal-Mart MasterCard. My question is should I convert or not based on my current situation outlined below? My credit profile is as thin as a crack whore and I've been gardening for almost 7 years. I get out of credit jail next year when I will be 100% baddy free. As of 9/1/15... My Oldest Account: 11 Years, 8 Months My Average Age of Accounts (AAOA): 7 Years, 7 Months Transunion score around 70
  8. Earlier this year, Amex reportedly RJ (an average of about 3%) a segment of cardholders (around 1m). Amex Clear card increase was 10.24>12.99. PIF all Amices but prefer the lowest rate available across products nonetheless, with what have steadily been near-nosebleed scores + thick file often do qualify across issuers. As others do from time to time, I manicure rates down if applicable, had read about recent successes with Amex and then remembered the RJ from earlier this year, at the time my request to restore lower rate was summarily declined but earlier this month 12.99>10.24&
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