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Hello! I am pretty new to CB and am looking to try to rebuild my credit after some mistakes in my younger years. These are the credit cards I currently have- CapitalOne- $1800 CL HSCB/CapitalOne- $400 CL CreditOne- $700 CL Discover IT- $200CL JCrew- $300 CL Victoria's Secret- $600CL Buckle- $250CL Target- $200CL I have a car loan through Nissan for- 23,000 that I am still paying on as well as a student loan -$250.00 left to pay I ran my credit report and my score is currently at 609. As for the "Baddies"- Charge off from 2013 for $14,000- which is still being paid through a Chapter 13 bankruptcy under my boyfriend Missed payments- 3 - one at CapitalOne and two at HSBC before it was CapitalOne Accounts in Collection- 1 (this account was paid in full in 2010) Is it possible to have the lawyer look into removing the charge off from my account since the balance is still being paid throuhg his Chapter 13? I am really hoping to find a way to get my credit score up within the next year or two to about 700. Any advice would be appreciated.
Hi. I am planning on applying for Blue Cash Everyday, but wanted to know what others' experience has been with regard to initially approved credit limits. Additionally, is there a difference with initial CLs depending on whether I apply for BCE or BCP? If I could avoid it, I'd prefer the no-annual-fee BCE, over the BCP. But if BCP offers a much better starting CL, then I might reconsider. My latest credit score (pulled when applying for apartment several months ago) was somewhere around 780. Great, clean credit history. Currently have 2 BofA cards: (1) 17,000 CL with 30% utilization, and (2) 10,000 CL with less than 10% utilization. Also have MileagePlus Explorer Visa Signature with 11,000 CL and 30% utilization. Annual income around 100K. Not really worried about being approved, but about the CL that will be offered. Does AmEx offer starting CLs in the 10K+ range anymore? Or am I likely to get a lower CL to start with, and then have to get a CLI after 61 days? And is there a difference in starting CLs between the BCE and BCP? If so, how much?? Thanks in advance for any help! :-)
I'm going to be applying for some credit cards soon. Currently I only have one card at a $10k limit through one CLI requested a while ago. Based on the scores in my signature, is it likely, unlikely, or tossup of whether I can get approved for $20k limits right off the bat? (I just made up the $20k number, can I go higher?) Should I risk it or go for a lower limit? What limit should I go for? What's the max CL for an app that normal people with good credit can get approved for?