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  1. So I was approved and opened a CapOne Secured back in Feb, $849 deposit for 1k limit (max allowed). The first statement cut 3/15. I have two questions: I would like to get the QS1 card and I've been waiting the 6 months to apply as people have mentioned. Do we know if its 6 months from the date opened, or is it after the 6th statement has been cut? Next question: Does anyone have an idea of which FICO scoring model they use when applying? Reason being is my FICO scores vary a lot between the different FICO models (as we all are aware) For example here are a few of mine: FICO 08's: EQ 623; TU 602; EX 586 FICO 5/4/2: EQ 575; TU 514; EX 546 FICO Bankcard 8 : EQ 620, EQ 580; EX 567 FICO Bankcard 5/4/2: EQ 574, TU 488; EX 489 My derogs are a few old CO, all past SOL except one (Discover) making my UTI looking crazy high; and 1 PRA collection (past SOL). The good is I have 3 secured cards all showing zero bal and perfect history (opensky open 1.5yrs; CapOne 6mo, Citi 6mo); Auto Loan open 1 yr; PenFed secured loan hack open 1.5 yrs. As always I'm super appreciative of any input. Grateful for everyone's contributions to CB. Thanks.
  2. Ficos between 640-660. 7 years post bk. Never had BofA card before and heard they’re good to get in with. Did the prequal and it said to apply for cash rewards card. Did so, declined, and it suggested the 99$ deposit 500$ secured card.I have the following right now:Amex delta 1k (new)Discover IT 1.6k (new)Cap 1 1250Cap 1 750Nfcu 500 (new)HSBC 1500Usbank 2500 (secured)Fingerhut 2500UT is like 2%.Lots of paid baddies im working on getting off.Should I bother adding the 99/500 bofa secured? Only reason to would be to get in with BofA and I already took the hard pull from em.Thoughts?
  3. I’m a 40-year old salamander who spent the last ten years screwing up his finances and credit. No excuses. I did this. I started writing this by giving a ton of details and background, but its way to long. I’m summarizing, but if anyone is wondering how someone got themselves into this mess, let me know and I’ll be happy to share. Let’s start with this year. Jan 2018: Open the year rocking impressive low 500 FAKOs, but I had a plan, and I had executed it for six months. 1) Pay stuff on time to stop more derogs from hitting my reports 2) cut back on my spending 3) stop being an salamander. I bring home about $70K annually yet constantly wonder why I'm in the predicament I'm in. I slashed my budget to the bone and faced all of my delinquent accounts. I was able to make arrangements (some better than others) with open accounts and threw as much money at them as possible. Apr 2018: Delinquent Fed and State taxes paid in full, my car note was caught up and showed current for the first time in over a year. I started using various free services to track FAKOs, and monitor my reports. I successfully DV’ed and booted a couple CA/JDB accounts that had been “erroneously” re-aged and popped up. FAKOs were moving in the right direction, but wanted more. May 2018: I pulled my official annual reports. All my remaining charge-offs had stayed with the OC’s and were within SoL. JDB’s and CA’s removed. Public records and tax liens were gone also! Only 2 hard pulls in the past two years. Ugh, but the lates!! So MANY lates!! In seven years, I had managed to rack up 118 late payments! Is that a record? I think it might be! 43 of them are 4+ years old 73 between 2016 and 2017 2 were from the beginning of this year while I was in the “catch-up” program on my car. So yeah, 35% to 50% on time payment depending on which report you look at. Absolutely mortifying. Jun 2018: I decided to budget in three or four months for a myFICO subscription while I actively addressed my reports. I had made some progress from the beginning of the year: EQ 587 up from 490 EX 604 up from 550 TU 604 up from 590 Utilization oddly showed it was 160% over available credit. How’s that? A little research revealed the current balance and credit limit of the charge-off accounts were contributing to my utilization. That’s 30% of my score. I can do something about that! 1) Pay the OC’s in exchange for at least a “Paid In Full” status 2) Continue paying all accounts on time 3) Continue the never ending quest to stop being an salamander. July 2018: … and here’s how things stand now: FICOs the same except for TU, which jumped from 604 to 613 apparently due to balance decreases and account improvements. Mortgage (Modified) - $120K – 12 months on-time payments / Pays account as agreed / Loan modified non-gov’t in comments / 10 lates within 2 years Car Note - $11K – 6 months on-time payments / Pays account as agreed / 20 lates within 2 years Student Loans (Consolidated) - $84K – 1 on-time payment/ Pays account as agreed / 0 lates AMEX - $1000 Charged Off / $500 limit – PAID IN FULL Capital One - $1500 Charged Off / $1000 limit – PAID IN FULL / Pulled back from CA Capital One - $1000 Charged Off / $750 limit – PAID IN FULL / Pulled back from CA Kohls/Capital One - $500 Charged Off / $350 limit: Will be paying it off today or tomorrow. AT&T - $500 Charged Off / not reporting: Will be paying it off today or tomorrow. Divorce Settlement - $10K / not reporting: Lump sum payment this week. Est Remaining Debt Starting Aug 2018 - $215K Once the dust settles, I’ll see what the scores and reports look like in a couple months. My plan is to go for two secured cards (probably Discover IT and Bank of America) and I was invited to enter the AMEX Optima program. I’ve lived on a cash basis for the past two years and I’m not changing that mindset. The only difference is I’ll be using the cards and paying everything off mid cycle prior to the corresponding bureau reporting dates and statement closing dates. I don’t expect everything to smell like roses tomorrow, or next week, or next month, or next year. It took about ten years to dig this hole. Why should I expect a 30 day fix? What I am grateful for is finding the discipline and motivation to climb out. I owe much of that to you folks. Thank you for sharing your stories, tears, frustrations, and joys. Your experiences have given me a framework to build my own plan. I hope to pay that back to this community with my ongoing story already in progress. - round2forme
  4. I haven't wanted to ask any questions here because I know most of my answers are probably in the archives somewhere and I don't want to be a nuisance, but I spend so much time reading and haven't taken any action because I'm stuck with these questions, so here it goes... Sorry in advance if these questions have been answered a little too much.... When sending in dispute letters, does it matter how many items you include? Should I dispute everything I have an issue with in one letter or should I stagger them? Also, is it wise to send letters to all CRA's at the same time or should that be staggered and if so, what's the best timing? I also plan to use the WhyChat Hipaa method to deal with the medical collections... can that be done concurrently with the non-medical disputes?
  5. Finally, since opening my DW's account in December 2012, in August 2018, five and a half years later, they finally bumped our credit limit from $1,200 to $6,000 so I don't have to prepay each month anymore to keep our utilization from being terrible on this card. BTW, chapter 7 still shows as only baddie left. Since they don't allow you to apply for CLI, it is nice they finally decided to grant this. I'm wondering if 5.5 years is a magic time for them or if they changed policy for many accounts and opened them up recently. What have others experienced recently?
  6. I will try to give a cliffnote version & hopefully you all will have some good advice. Hubby & I went through a very bad time for several years & our Credit was in the dumps. Repos, charge offs etc... He had been extremely ill from a near fatal heart attack & needed a heart transplant (11/29/09 ❤️Thank you to our donor who is forever in our prayers). This left him disabled & on SSDI. I had to work part time to care for him & our credit took a major hit. We filed Chapter 7 & started to rebuild then got hit again with hard times but muddled through it. I finally was able to go back to work full time making decent money & w e started to rebuild our credit. Things were FINALLY looking up for us. We were excited watching our scores go up, being able to actually pick out a new car instead of the dealer saying no this is the only car you ca n have... we were able to obtain credit cards with decent limits etc.. then I lost my job. Unemployment paid me the max but that whole month was not even what I made in one paycheck! We were still squeezing by but barely. I was having a hard time finding a job & just as unemployment ran out I got hurt & had to have major surgery which landed me on disability for 9 months plus a ton of medical bills. Now we were starting to fall a little behind on things. Then & still no job....which means no way of paying the bills. We were devastated as we watched everything come crashing down around us. We fough hard to climb our way up & we couldn’t even offer $10 a month to some of our cards. Slowly they began closing them & then the charge offs started. I watched as our scores nosedived. It was like someone punched me in the stomach. So now we’re down to barely any open credit lines left. One car we managed to pay off through all of this & we’re almost caught up with our other car (that is the bright spot in all of this). I start a new job next week & we will slowly rebuild again. My question is this, since most were charged off & bought by collection agencies if I pay these will I be able to reapply for a card / Credit with that company again after we rebuild our credit back up? I am hoping all bridges weren’t burnt by the charge offs. Any advice is greatly appreciated! This sucks having to do this all over again. We do not want to do BK again so we’re trying to see if we can pay the charge offs. Does this sound like something we should do still?
  7. IvyMgmt

    "B" Credit

    Is it still possible to do that?
  8. Hi all, long time follower, new member, first post. Good stuff up front. Details later. Scores: July 7 - TransUnion Vantage - 652 - July 28 - 731 (+79) June 22 - Experian Vantage - 688 - July 28 - 736 (+48) July 6 - Experian FICO - 714 - July 28 - 761 (+47) July 26 - Equifax Vantage - 660 - July 28 - 737 (+77) June 26 - Equifax FICO - 711 Background: I was a very successful Realtor for 12 years, but I lost my spouse to Cancer in 2011. After that ordeal and a bout of grieving/depression, my score bottomed out in the low 500's. Lots of late payments--sometimes due to lack of money--sometimes due to a lack of energy to pay the bills. I started rebuilding my credit with a secured card 5.5 years ago. The last seriously late payment dropped off my report last Spring. The facts: 1) Your payment history counts more than other single item in your score calculation (no news here). 2) Credit utilization is considered next. 3) Credit age is almost as important as credit utilization. 4) Recent inquires have a minimal impact. My idea: As a Realtor and a student of credit, I have always been told that transferring balances from one account to another does not greatly impact your credit score. However, I am a student of bureaucracies and how to find loopholes in their systems. So, my idea is that I know that I can handle my debt load, but each of my accounts reports on a different day of the month (typically 1-4 days after the statement prints). By transferring balances between accounts, I can decrease my credit utilization--the second most important part of the score calculation. The Numbers: I have 7 credit card accounts showing on my reports: On July 1 here is what my reports showed... Limit/Balance 23,100/20,600 15,000/14,700 8,000/8,004 9,500/8,000 5,000/2,200 5,000/1,400 8,000/0 Credit Utilzation 76%, several cards close to limit, and one card over limit. I had some money to apply to these balances, but all did some transferring around and today, my report shows... Limit/Balance 23,100/9,600 15,000/13,600 8,000/300 9,500/300 5,000/1,100 5,000/1,400 8,000/0 Credit Utilization 35%, only one card close to limit, nothing over. In two more, weeks, I will be done with moving some additional balances and my report will show... Limit/Balance 23,100/500 15,000/300 8,000/300 9,500/300 5,000/1,100 5,000/1,100 8,000/0 Credit Utilization will be 5%, nothing close to limit. My reasons: 1) I wanted to see if I could do this and what the impact would be. 2) I need some capital for my business and rates will be better if my score is better. Lessons learned: 1) Credit only matter on the day that you apply. 2) Credit utilization is really two things (a) total utilization AND (b) utilization per account. I'll post my results back once I am done with this project (about August 13)
  9. Hello, I am at the point of getting pre-qualified to purchase my home after many years of not having one due to a divorce. My auto loan has hit my report as 30 days late within the last couple of days and it's not. That's 1 and 2 the late paying history is all over the place and not accurate. I would love to get this entry removed from my credit file altogether. I am hoping that you have a good letter that I can send to the bureaus to get this removed. A bit more background. I did work to get this updated to paid as agreed from the company and they said it is verified as accurate. Any help you can offer is greatly appreciated. Many Thanks Viola
  10. A few months back some will recall that I had a huge issue with a credit union and with incorrect data they received regarding my name. Just about everyone has a "twin" out there -- somewhere meaning a name very similar to yours, your social, and your DOB.. there are people who are crafty enough to use your name as well or you name can be associated with places you lived. I always thought my name was so unique -- but it really is not.. there is someone with my name that is using my gmail and I can't get it to stop and I am positive that is how many things are winding up on Lexus Nexus.. anyway I digress... Through my research on LN I discovered that they were retrieving data from at least 6 other data furnishing sources.. some so much as supply complete banking info of my balances and when personal checks were cashed through my accounts. My original comprehensive report was over 250 pages long -- yes probably close to 300. On about 50 of those pages provide associate with names -- I may or may not have known. However, if I know these people or not they have no business being associated with me personally. This report include the their addresses, husbands, wives, children and many many entries include the last 6 digits of their social security number. I have since had all that information removed.. and are now disputing the email addresses. However I did promise Breeze that I would give the names of these other data furnishers ( I am more than positive some of them are violating the law, one Data furnisher -- SageStream allowed me to call them, order my reports, them send it to me. Then when I disputed asked for ID.. umm should you not have done that first?? SageStream phone 888-395-0277 Consumer Report they supply certain credit reporting like LendingClub, SnapFinancing, Webbank, and Overstock Early Warning 800-745-1560 Consumer Reports on your banking activity and transactions, all bank balances, openings and closings and why, if you are an account risk or not, and any banking inquiries. Clarity Consumer Report 866-390-3188 Consumer Report provides an OFAC Score, if you are flagged, if you are deceased, check cashing history, ACH transaction history, other kinds of inquiries, other kinds of tradelines like WebLoan, addresses, variations of names, phone numbers, cell phone numbers, work phone numbers, driver's licenses, email addresses, bank account numbers, if you receive direct deposit, places of employment, and your income. Innovis 800-319-4433 Consumer Report provides all credit accounts past present, phone numbers, addresses, and emails DataX 800-295-4790 "We are a Credit Reporting Bureau" for the specialty finance market which provides insight into consumer tradeline / payment history." There are still a few more I need to inquire about: Virtual DBS (Entiera) they seem to provide email tracking, Infutor Data Solutions provides phone number tracking even your private unlisted cell phone number, Valassis which works with the Postal Service, Acquireweb, SalesChannel, LLC, and M1Data & Analytics, and lastly SpecSprint which provides business associations.
  11. Are there disadvantages for having positive authorized user accounts on your report? When applying for a credit card, do they take into account how many accounts someone is an AU on?
  12. Hi Car loan was paid in full and vehicle sold in 8/2016 it was my only transportation and I owned it before...during...and after my bankruptcy Loan says listed in BK. (IIB) on all three reports. Ex Eq TU But...I paid it in full and was late 3 times (gonna try and goodwill that over the 24 months I had it. When It sold...did the money have to go back to the loan company? Wfds? I never thought it through, but only fair to give them the money back...for they gave it to me to buy the car...right? More important...should that be changed on my 3 CRAs? Should my BK attny not have listed it as an asset? He said I could have x amoint of cars / dollars value for transportation Thoughts? thanks. I am trying to get this part of my credit clean (installment / auto lonas) due to my decline on am nfcu auto loan. Thanks!
  13. So my Discover card finally graduated.. I am grateful not frustrated it took as long as it did. nice little bonus to further push my utilization down on other cards. With that said I have a few other questions fo those that know. 1) should i expect a credit limit increase automatically? if so when should it reflect on my account? I just received email last night.. 2) if i dont get CLI automatically should i request one or should i wait? are there guidelines 2X? 3X? current limit? is it a hard pull if I request one? 3) any other tips would be greatly appreciated.. Thanks to this forum for all the assistance you all have provided. If any one has questions for me please ask..
  14. falikal


    I have the following information on my EWS report ... I really dont know if its bad or good but chase wont give me an account by automated system so it cant be good... help? What is scaring the banks and what can I do to fix things .. I do currently have two good banks .. 1st National and Capital one both with significant sums of money in them. USAA Principal Loss: $0.00 Fee Reversal: $0.00 Combined Loss & Fee Reversal: $0.00 Paid/UnPaid/Settled: Unpaid Contribution Reason: Transacting (or attempting to transact) with an account in an unauthorized or prohibited manner. USAA Incident Date: 12/16/2014 Principal Loss: $0.00 Fee Reversal: $0.00 Combined Loss & Fee Reversal: $0.00 Paid/UnPaid/Settled: Unpaid Contribution Reason: Transacting (or attempting to transact) with an account in an unauthorized or prohibited manner. Bank of America Open Date: 12/10/2007 Close Date: 10/07/2011 Current Account Status: Closed For Cause-Purged Previous Account Status: Closed For Cause Date of Last Status Change: 01/05/2012 Bank of America Open Date: 12/10/2007 Close Date: 10/21/2011 Current Account Status: Closed For Cause-Purged Previous Account Status: Closed For Cause Date of Last Status Change: 12/07/2011 Above account is on twice with same account number and same info Compass bank Open Date: 03/14/2013 Close Date: 11/20/2013 Current Account Status: Closed For Cause Previous Account Status: Closed For Cause-Purged Date of Last Status Change: 07/14/2017 Compass bank Open Date: 03/28/2013 Close Date: 11/29/2013 Current Account Status: Savings Closed For Cause Previous Account Status: Savings Closed For Cause-Purged Date of Last Status Change: 07/14/2017 Compass bank Open Date: 02/18/2015 Close Date: 02/24/2015 Current Account Status: Closed Previous Account Status: Closed-Purged Date of Last Status Change: 07/14/2017 Compass bank Open Date: 02/18/2015 Close Date: 02/26/2015 Current Account Status: Closed Previous Account Status: Closed-Purged Date of Last Status Change: 07/14/2017 Suntrust bank Open Date: 06/12/2017 Close Date: 06/13/2017 Current Account Status: Closed-Purged Previous Account Status: Closed Date of Last Status Change: 07/03/2017 Suntrust bank Open Date: 06/12/2017 Close Date: 06/13/2017 Current Account Status: Savings Closed-Purged Previous Account Status: Savings Closed Date of Last Status Change: 07/03/2017 USAA Open Date: 02/08/2012 Close Date: 10/02/2015 Current Account Status: Closed For Cause Previous Account Status: Post No Debits Date of Last Status Change: 10/02/2015 USAA Open Date: 05/08/2012 Just lists a open date USAA Open Date: 07/06/2012 Close Date: 12/16/2014 Current Account Status: Savings Closed For Cause Previous Account Status: Savings Post No Debits Date of Last Status Change: 12/16/2014 USAA Open Date: 09/24/2012 Close Date: 12/15/2014 Current Account Status: Closed-Purged Previous Account Status: Closed Date of Last Status Change: 12/28/2017 USAA Open Date: 09/24/2012 Close Date: 12/04/2014 Current Account Status: Closed For Cause Previous Account Status: Post No Debits Date of Last Status Change: 12/04/2014 Wells Fargo Open Date: 10/06/2014 Close Date: 11/18/2014 Current Account Status: Closed For Cause-Purged Previous Account Status: Closed For Cause Date of Last Status Change: 11/23/2015 Wells Fargo Open Date: 09/25/2014 Close Date: 12/11/2014 Current Account Status: Closed-Purged Previous Account Status: Closed Date of Last Status Change: 11/23/2015 Wells Fargo Open Date: 10/09/2014 Close Date: 11/19/2014 Current Account Status: Closed-Purged Previous Account Status: Closed Date of Last Status Change: 11/23/2015 Wells Fargo Open Date: 10/30/2014 Close Date: 11/18/2014 Current Account Status: Closed For Cause-Purged Previous Account Status: Closed For Cause Date of Last Status Change: 11/30/2015 Wells Fargo Open Date: 07/29/2014 Close Date: 11/14/2014 Current Account Status: Closed For Cause-Purged Previous Account Status: Closed For Cause Date of Last Status Change: 11/30/2015 Wells Fargo Open Date: 10/09/2014 Close Date: 10/09/2015 Current Account Status: Closed-Purged Previous Account Status: Closed Date of Last Status Change: 08/28/2017 Wells Fargo Open Date: 09/25/2014 Close Date: 12/18/2015 Current Account Status: Closed-Purged Previous Account Status: Closed Date of Last Status Change: 08/28/2017 Wells Fargo Open Date: 03/27/2013 Close Date: 01/08/2014 no account status
  15. If you have a feeling that if your situation doesn’t change soon for the better that you will eventually have to file a Chapter 7 bankruptcy, but you’ve been given the opportunity to at least pay off collection accounts that are passed the SOL that are on your credit report is it worth paying those off first? Does a bankruptcy on someone’s credit report with a bunch of collection accounts included in a bankruptcy for 10 yrs look exactly the same as a bankruptcy on your credit report but with absolutely NO collections?
  16. Hi new member, I have a question, I'm currently on a payment plan with NRA collection agency for about $5k in medical debt. Which i should have paid off within the next 6 months. But I want to know would it be wise to do the HIPPA process now to try to get it just removed from my report. and I still be able to make my monthly payments. Also they said they would remove it complete once the debt was paid in full.
  17. My mental health (such as it ever was) has been going through a good deal of modifications, evolutions, confusions, contusions, concussions, percussions, woodwinds, winds in willows, and chirping cardinals lately (you heard me). As a result of my ever-wounded psyche's new position, the rental collection I've been talking about, and only talking about (gross) for about 2½ years now and that some of you followed in the thread linked below, is on the front burner, for at least two reasons. One is that I now have an understanding, if only of the faintest kind, that I actually do owe money and that I don't want to be a thief or a fly-by-night. Another is that I'm just plain mentally healthier and less burdened by childish anxiety and social paralysis - both of which are gross. Now I feel poised to stroll over to the old apartment complex - it's walking distance from where I currently live - and tell them I want to take care of this. Link #1 https://creditboards.com/forums/index.php?showtopic=553853 Link #2 https://creditboards.com/forums/index.php?showtopic=564811&hl=%2Brental+%2Bsidewinder+%2Bcollection&do=findComment&comment=5459215 I've not looked at my report in a long time so I'm actually not even sure if the debt's been sold to a CA/JDB by now, I'm crossing my fingers that it hasn't been so I have the option of paying the complex, getting a receipt, and using the tactic ICAN outlines in this post Link #3 https://creditboards.com/forums/index.php?showtopic=496348 for getting the derog removed. It's on both EQ and TU and it's my only derog. However, in this here thread Link #4 https://creditboards.com/forums/index.php?showtopic=537970 ICAN cautions against ever letting them know you're going to start house hunting or credit repair. As I've rehearsed the conversation in my mind, the apartment office asks why I'm only acting on this now, two years after the collection appeared on my credit file. The real reason is thathave finally realized that I cannot afford my current over-schnazzy apartment, must (stay with me now) move to a less expensive one and have read here on CB that you can't get approved for an apartment lease if you have a rental collection showing; i.e., I am finally more motivated (threatened?) to start real credit repair. But - at least according to ICAN, to whom I'm happy to defer on these matters - I oughtn't let them know that I'm starting credit repair. At the same time, in order for the tactic in link #2 to work, I have to get a receipt from the complex; and I shall have to make that crystal clear to them when we are working things out; how to make it as crystal clear as possible and not tip my hand that I have a secret objective of getting this baddie off of my report? In order for me to have enough courage and walk into the old place's office and start the conversation, I need to be very well-rehearsed; I don't think I would be without a ready answer to that why-only-now question. I am spinning my wheels on this one.
  18. I wanted to put the CU on the radar for anyone looking for banking options in California, Illinois, and Florida. I don't believe it's mentioned on MCA's list for CA (they acquired Butte FCU, Community Trust, and People's, among others). I have a negative Chex entry and believe I may have a negative entry in EWS (still waiting on that report). I will report back if the account ends up being closed, but they were very transparent about having a goal of helping people who have had banking/financial issues in the past, so I am hoping the account will remain in the clear. I'm going to treat it like it's priceless. I had a great experience at their Oakland branch, and they have branches throughout CA (it can be annoying how many places are only in the north or south), so I would encourage anyone who is struggling with finding local options in CA to check them out. From what the reps told me, they also have a strong focus on helping members rebuild their credit. While I was filling out my app, a member told me that they approved him for a secured loan and secured cc when he was unable to get approvals elsewhere. The credit union has acquired and merged with smaller CUs, and it now has 22 branches across these 3 states. California Antioch Bakersfield Biggs Chico Covina El Monte Fresno Lamont La Puente Modesto Napa Oakland Oroville Pomona Porterville Riverbank San Francisco San Jose Vallejo Illinois Chicago (Brighton Park) Chicago (Little Village) Cicero Florida Apopka Pierson
  19. Kat58

    AAoA question

    How much of a score increase could I see when my AAOA reaches the 2 yr mark/25 months? Clean report, oldest account 4 yrs. I found an old graph by BW, but it has since been moved or deleted. TIA
  20. Good Morning, Yesterday afternoon, my son was in an accident - he rear-ended someone that had stopped in the middle of the road to look at a For Sale sign. Of course, he was charged. Hubby & I just successfully completed a 5 year Chapter 13 and we're just getting started triaging our credit report / attempting to rebuild credit. This car needs to be replaced, but I am concerned about: 1) being approved for an auto loan due to our credit score 2) if we ARE approved by someone, I don't want that company to be on a baddy list AFA looking cruddy on our report (thinking places like rent to own furniture, etc) My mind is telling me 'one thing at a time', but, I'm still torn. Do we go ahead and see what a dealer can do for us? What about those 'We finance everyone' places? Has anyone had experience in getting a reasonably normal auto loan very shortly after Discharge? I. Hate. Credit. It makes my stomach hurt! Any good info/links/etc. appreciated.
  21. if you replace maxed out CCs with a heloc , can i assume your credit score will jump significantly? or since its just an outright swap with the same amount of outstanding debt it has no effect?
  22. Ptrap01

    New card

    I have a 701 FICO EXP 700 TU FICO are these scores ok to apply for new credit card live in NJ a bit gun shy had a lot of credit problems 3-4 years ago.Have a Discover Secured card and a AU on wifes Discover card.Or should I wait to get score higher.Have 3 auto loans ongoing 2 about to be paid off.Any help would be appreciated.
  23. Which auto company only uses Equifax? Thanks in advance!!
  24. Site has officially gone rogue. Confusing.... Question Bought furniture for a couple k and the deal is 90 days same as cash but after 90 days the interest is bogus. Would you pay it off immediately if you had the cash or wait a while for it to register on your report after 90 days then pay it off. Also this would deplete the savings by a couple k which I didn't want to do...
  25. Hi all, thanks to this forum and many other online research I was able to fix my credit score substantially. I had a medical collection that was holding me back and keeping my score in the 650’s, but just a couple months ago, thanks to whychat, I was able to take off the medical collection and get a significant bump in my score. Ever since, my score has been continually rising, and I’m at around 703. Some background; My credit age is about 8 years. I currently have no delinquencies or collections reporting. I have two cards one is a store card with $700 limit, and the other is a capital one secured card, which I’ve had for a little over two years.. unfortunately, the limit is entirely too low at just $650, it increased a year after I got it from the inital $350. My income is at around 25K and I rarely have monthly expenses. I currently live with family so I’m not paying rent, and I’m not financing a car. In December I applied for a Chase Freedom card and was not approved; this was before my collection was removed, and my credit was around 650 or so. I think I have a lot of anxiety over applying for new credit, but I know i need it. I know it would be good for me. So how do I get over the fear of being denied? I’ve been holding off to a point where there’s no reason they would deny me, meaning my credit is in the 800’s, and my income is pretty high. But I don’t know if that will be realistic. Should I hold off, or should I take the plunge? I’m not looking for a card that’s super exclusive or anything. Just something that would give me more freedom with my credit. A limit of just $2,000 would be beneficial, and maybe some perks and rewards? Any advice would be helpful!

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