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Found 603 results

  1. First thank you for all the knowledge posted here, I have followed CB off and on for over 10 years. So here is me current credit Pic and I don't know what approach to take... except getting credit one and the AT&T charge offs removed. Once I receive me new unsecured Cap 1 I'm hoping that gives me a score bump because I really don't have any open accounts as you can see. Discover said no to their secured card 😢 I have been a member of NFCU since 97 but my account is dormant just need to deposit money in savings to make active. But I was thinking I need to wait until I clean up my TU and bring scores up before trying for their secured card. I'm assuming the student loans are hurting me but didn't want to contact them until I got better guidance from you all. I could desperately use some guidance from you all Fico 8 eports & scores as of March 10 Experian 558 Citibank AU $6500 limit $4977 =76% usage - 9 years old never late - I disputed this account due to usage being high and it was removed- no change to my score Belk AU $9000 limit $1666 balance = 20% usage- 20 years old never late Care Credit AU$4000 limit $0 -no usage - 8 years old never late Sears - closed AU no negatives CarMax paid closed $19,117 -opened 4/14 closed 7/15 Acendium student loan 44 lates CO $2872 updated 8/16 EDSOUTH student loan 10 lates CO $1750 account transferred to another office last update 8/16 EDU SERV OF AMER student loan CO $1984 account transferred to another office last update 12/14 FED LOAN SERV- closed exceptional payment history 5/15 GLESI/ Bank of America -closed exceptional payment history 2/12 US DEPT ED/ GSLI closed CO $1017 seriously past due last updated 2/20 US DEP OF EDU/ GSLI closed CO $2701 seriously past due updaye2/2020 Inquiries Cap1 3/20 - unsecured card $300 limit in mail Discover 3/20 - declined secured card TU 509 Belk - same Care credit - same CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17 Discover -same Sears-same NFCU AU- closed updated 5/23 $20k limit exceptional payment history Carmax-same All the same student loan info Collection AT&T Mobility $1206 collection opened 9/18 updated 2/20 Inquiries Cap 1 EQ 535 Citibank same Belk- same Care credit same Creditone same Discover same NFCU SAME CarMax same Credit union atl $3803 CO auto- opened 4/11 CO 12/14 - consumer disputes EDSOUTH GLESI SAME EDUC SERV AMER same FED LOAN SERV same FED LOAN SERV same US DEPT EDUC same US DEPT EDUC same Inquiries Cap1 same
  2. I logged on to the app to pay my bill this month (second payment of the month actually) and noticed that my Secured Visa Platinum was now listed as Graduated Visa Platinum. I also noticed that my Share Savings account now has the entire balance showing available to me. I had never heard of this card unsecuring, so I called in and they confirmed that my card is showing as a regular Visa Platinum card on their end. So if anyone else had this card, you might want to see if you’ve been graduated. I never received a letter that I was graduating nor did any of my statements reflect this. Background: I filled for Chapter 7 in October, 2018 and received discharge in February, 2019. Two weeks later, I applied for a $500.00 share secured loan and a $1,000 share secured Visa. I paid the loan off fairly quickly (around 9 months) and would either pay the Visa in full each month or carried a small balance. My plan was to keep the Visa opened for two years and then close it at the 2 year mark. In June I was approved for a Target credit card with a $500 limit. I received two CLI...up to $700 in the Fall and it’s now at $1,000. In November I applied for a Kohls store card because I live near one and shop there all the time. I was approved with a $300 limit. I’m not eligible for a CLI until 6 months passes. I did include Kohl’s in my BK. In November I got “pre-selected” for that stanky Indigo card with a $300 limit. I never activated it, but it’s still reporting. There is no annual fee. I applied for and was approved for Discover with a 12k limit. They were also included in my BK. This card has no annual fee. I then was later approved for a Penfed Power Rewards VISA with a 15k limit. i purchase a new Toyota at the end of December and was approved with 0 down with Toyota Financial at 6.9% for 72 months but ended up going with a local credit union at 4.74% for 72 months. So my post was about the SDFCU card graduating, but I also wanted to let others know that there is life after BK. My Fico 9 is currently 652 (Penfed Score) My Fico 8 is currently 648 (Discover Score)
  3. Hello, everyone. I need advice on how to increase my Fico score. My current Fico score I get monthly from Experian is currently 563. My goal is to increase it by 100 points or better. Here's a look at my current credit report on all 3 credit reporting agencies. The credit reporting look the same on all 3(Experian, Transunion and Equifax) I have only 2 open credit cards 1. Capital One MasterCard-$1, 500 credit limit with a $1,289 balance 2. Care Credit- $1, 400 credit limit with a $960 balance I have 16 late payments between 2018 and 2019 from these 2 open accounts. Some 30 day, 60 days, 90 days, 120 days I haven't been late or missed payments for nearly 10 months now. Both accounts are on auto pay. I have one Portfolio Recovery Associates collection account for $3,145..I'm on a settlement payment plan and PRA will delete it after my last payment. I expect to make the last payment within the next 4-5 months I have 7 closed accounts all but 3 were paid in full and closed at my request more than 6 years ago. The other 3 accounts are recent charge off accounts from 2019 that are now paid after completing a settlement plan. Where do I need to start or what do I need to do to increase my Fico score by 100 plus points. Thank you in advance.
  4. Need advice on what I should do. Account opened 2/16 delinquent 5/16 I ordered my hard copies of all reports and I just noticed they have been recently doing soft pulls 😒 Those pulls were probably triggered by my disputes. I live in GA so I'm still within the SOL. What my concern is that they will sell it off to a collection agency and then I'll have that ding on my credit as well. I only have one collection and its on TU from a company that's trying to collect on a 2018 ATT bill that I'm in the process of doing the 1-2 punch on. So I definitely don't want a new collection added. The limit was small, only $300 but of course it's showing like $604. So, should I just contact them and try to settle for pennies with a PFD at best or settle for a little more with one less stress about new collection at worst? Or is there something else that I may want to consider? I have already disputed this account once and EQ is redisputing (I won't make a move until they finish their dispute) while TU updated it to show "charged off as bad debt purchased by another lender" Thanks for any guidance you can give with this, its greatly appreciated!
  5. I haven't been around for a while. but, actually I have, just under a different SN. dice727 is actually me. (in case you missed it, the thread is here: https://creditboards.com/forums/index.php?showtopic=567281) yes, for the many doubters, sadly everything posted in that thread is real. I posted under an alias with mom's permission because I had some pending legal issues and this account could possibly be tracked back to me. so now 18 months later, all that's been resolved, I received my Chapter 7 discharge in June and am working on rebuilding my credit. since I IIB'd pretty much every major creditor around and most of the good CUs, rebuilding is going to be an interesting process. current snapshot: FICO08s are EX 584, EQ 606, TU 573. I have no personal revolving accounts open right now. I didn't reaffirm the mortgage, so that's not open either. I do have open student loans. I am an AU on one open Ann Taylor account of my wife from 2003 with no balance and $3650 CL. I do still have some older paid/closed accounts on my report which helps my AAOA along with the student loans. going to use this thread to keep track of progress and notes. feel free to interject any advice if you think there's something I should/shouldn't do! I rebuilt many years ago from a bunch of CO accounts, but pretty much just waited until 7 years passed and everything fell off before starting to rebuild. so this is new territory for me.
  6. Hey there everyone! I've been a lurker for way to long and decided it's time to get to rebuilding my credit. Thank you to everyone who has contributed on this forum! It has been a help to many and will to me also. So here are my details....🤕 Background About May 2014 I lost my job of 5 years and my apartment all in a 30 day span because life happens of course. I had some savings to stay afloat but it ran out and I couldn't run to a well paying job like the one I had fast enough. Hence, my credit went down the drain over the next year. Baddies I sucked it up and went to MyFico to get a real snapshot of my situation after pulling my three annual reports. At this time I have about 10 baddies on my CR s. Bank of America - CC that is a CO Hey there everyone! I've been a lurker for way to long and decided it's time to get to rebuilding my credit. Thank you to everyone who has contributed on this forum! It has been a help to many and will to me also. So here are my details.... Background About May 2014 I lost my job of 5 years and my apartment all in a 30 day span because life happens of course. I had some savings to stay afloat but it ran out and I couldn't run to a well paying job like the one I had fast enough. Hence, my credit went down the drain over the next year. Baddies I sucked it up and went to MyFico to get a real snapshot of my situation after pulling my three annual reports. At this time I have about 10 baddies on my CR s. Bank of America - CC that is a CO DOFD - 12/2014 DOLA - 01/2015 CL - $2,100 Deficient Balance - $2,342 Getting emails over the last few month directly from CCC trying to settle the account. Started at $1,200 or so now trying to settle account for around $700. Account falls off report in 2021. Capital One Auto Finance - Auto Loan that is a CO DOFD - 11/2018 DOLA - EQ shows 09/2018 and TU shows 07/2019 Deficient Balance - $11,767 after repo and auction Offered to settle for $2,354 in 08/2019 via lump sum or payments of up to 12 installments. Delta Community Credit Union - Auto Loan that is a CO DOFD - 08/2014 DOLA - EQ shows 08/2014 and TU shows 06/2014 Deficient Balance - $1,881 after repo auction Never offered to settle debt Dept of Ed/Nelnet - Student Loan DOFD - 04/2015 DOLA - 01/2018 Paid as agreed with only 90 days late derogs showing EQ 08/2015, 07/2015, 06/2015 TU 04/2015 - 08/2015 EXP only 08/2015 Discover Bank - CC that is a CO DOFD - EQ 04/2015, EXP 12/2017? DOLA - EQ 11/2014, TU 06/2014 Deficient Balance - $1,413 No offer to settle. CCC tried to get judgement in small claims court. CCC's attorney no showed and case was dismissed. Didn't even know about the case until maybe 2018 cause they sent court notice to prior address. Georgia Power - Utility Company DOFD - 06/2014 DOLA - 10/2015 Deficient Balance - $0 Paid balance in full after CO. Only shows on EQ on CR. Georgia's Own Credit Union - CC that is a CO DOFD - 08/2014 DOLA - 09/2014 Deficient Balance - $0 (prior $1,222) No offer to settle. Only reports to EQ and EXP. No reporting from CCC since 02/2015. Macy's - CC that is a CO DOFD - EQ 10/2014, EXP 12/2017 DOLA - EQ 07/2014, TU 06/2014 Deficient Balance - $0 Used to call like crazy but I went off on the CA and mentioned the FCRA and CFPB and they never called or sent a letter again back around 2015/2016. Portfolio Recovery - CA for OC DOFD - 02/2015 (date CA was assigned) DOLA - 08/2018 (stupidly made a payment to CA) Deficient Balance - $474 (started as $624) Made a payment in late 2018 to CA then stopped. Got a letter or two from them then they went away. OC was Synchrony Bank for a Care Credit CC. Progressive Insurance - Place with CA by OC DOFD - 04/2019 (date CA was assigned) Deficient Balance - $212 Assigned with CA Caine Weiner. Had a car repo'd and forgot to cancel the insurance. OC for car called file claim and insurance company cancelled policy once notified of the repo. In addition to the baddies I have about 8 old addresses listed under the CRAs Inquiries EQ 3 hard from two car dealers (10/12/2018, 10/16/2018, 10/19/2018) Never signed anything and it looks like dealer pulled over the phone when calling about trying to trade in car to avoid repo by Cap1 from above. 15 soft Mostly Credit Karma and Lexis Nexis from shopping auto insurance rates. TU 1 hard from 10/19/2018 car dealer 17 soft (same reasons as EQ) EXP 1 hard from 10/19/2018 car dealer 29 soft Same reason as above and some skip tracing via repo companies. Scores Fico 8 Scores EQ - 490 TU - 496 EXP - 523 Next Steps Taken Opt'd Out - 02/2020 Gearing up to get old addresses removed from CR Approved for Self Lender Account 12 installments at $48 Goals Get scores of to 600. No specific timeframe but, to be accountable 12-18 month in my case seems fair. Questions With derogs this old should I just rebuild for the year via Self Lender and maybe a Secure CC in 3-6 month and let the derogs fall off in late 2021? EXP has the complete wrong date of birth listed for me as 12/31/1987. Trying to age me I guess. Dispute this at the same time as the addresses showing proof via license? Should I settle any of these accounts? If any I would consider the Cap1 Auto loan since they offered $2358 and the balance is over $11k. PFD on the CAs or DV first? - 12/2014 DOLA - 01/2015 CL - $2,100 Deficient Balance - $2,342 Getting emails over the last few month directly from CCC trying to settle the account. Started at $1,200 or so now trying to settle account for around $700. Account falls off report in 2021. Capital One Auto Finance - Auto Loan that is a CO DoFD - 11/2018 DOLA - EQ shows 09/2018 and TU shows 07/2019 Deficient Balance - $11,767 after repo and auction Offered to settle for $2,354 in 08/2019 via lump sum or payments of up to 12 installments. Delta Community Credit Union - Auto Loan that is a CO DoFD - 08/2014 DOLA - EQ shows 08/2014 and TU shows 06/2014 Deficient Balance - $1,881 after repo auction Never offered to settle debt Dept of Ed/Nelnet - Student Loan DoFD - 04/2015 DOLA - 01/2018 Paid as agreed with only 90 days late derogs showing EQ 08/2015, 07/2015, 06/2015 TU 04/2015 - 08/2015 EXP only 08/2015 Discover Bank - CC that is a CO DoFD - EQ 04/2015, EXP 12/2017? DOLA - EQ 11/2014, TU 06/2014 Deficient Balance - $1,413 No offer to settle. CCC tried to get judgement in small claims court. CCC's attorney no showed and case was dismissed. Didn't even know about the case until maybe 2018 cause they sent court notice to prior address. Georgia Power - Utility Company DoFD - 06/2014 DOLA - 10/2015 Deficient Balance - $0 Paid balance in full after CO. Only shows on EQ on CR. Georgia's Own Credit Union - CC that is a CO DoFD - 08/2014 DOLA - 09/2014 Deficient Balance - $0 (prior $1,222) No offer to settle. Only reports to EQ and EXP. No reporting from CCC since 02/2015. Macy's - CC that is a CO DoFD - EQ 10/2014, EXP 12/2017 DOLA - EQ 07/2014, TU 06/2014 Deficient Balance - $0 Used to call like crazy but I went off on the CA and mentioned the FCRA and CFPB and they never called or sent a letter again back around 2015/2016. Portfolio Recovery - CA for OC DoFD - 02/2015 (date CA was assigned) DOLA - 08/2018 (stupidly made a payment to CA) Deficient Balance - $474 (started as $624) Made a payment in late 2018 to CA then stopped. Got a letter or two from them then they went away. OC was Synchrony Bank for a Care Credit CC. Progressive Insurance - Place with CA by OC DoFD - 04/2019 (date CA was assigned) Deficient Balance - $212 Assigned with CA Caine Weiner. Had a car repo'd and forgot to cancel the insurance. OC for car called file claim and insurance company cancelled policy once notified of the repo. In addition to the baddies I have about 8 old addresses listed under the CRAs Inquiries EQ 3 hard from two car dealers (10/12/2018, 10/16/2018, 10/19/2018) Never signed anything and it looks like dealer pulled over the phone when calling about trying to trade in car to avoid repo by Cap1 from above. 15 soft Mostly Credit Karma and Lexis Nexis from shopping auto insurance rates. TU 1 hard from 10/19/2018 car dealer 17 soft (same reasons as EQ) EXP 1 hard from 10/19/2018 car dealer 29 soft Same reason as above and some skip tracing via repo companies. Scores Fico 8 Scores EQ - 490 TU - 496 EXP - 523 Next Steps Taken Opt'd Out - 02/2020 Gearing up to get old addresses removed from CR Approved for Self Lender Account 12 installments at $48 Goals Get scores of to 600. No specific time frame but, to be accountable 12-18 month in my case seems fair. Questions With derogs this old should I just rebuild for the year via Self Lender and maybe a Secure CC in 3-6 month and let the derogs fall off in late 2021? EXP has the complete wrong date of birth listed for me as 12/31/1987. Trying to age me I guess. Dispute this at the same time as the addresses showing proof via license? Should I settle any of these accounts? If any I would consider the Cap1 Auto loan since they offered $2358 and the balance is over $11k. PFD on the CAs or DV first? Any guidance looking at my credit profile is appreciated!! 🤗
  7. How can I find the creditors that pull from my highest rated credit report? Is that possible ?
  8. A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - these people/departments have decision-making abilities far beyond frontline CSR's; they can take and review requests for reconsideration of denied CC apps or CLI requests, APR reductions, etc. and implement their decisions. I can continuously update this first post with the latest information if everyone will post to this thread. I'll make the change and acknowledge. We truly appreciate your participation. Amazon (store card): see Synchrony (GE) AMEX: (Oasis Program) AMEX: 866-314-0237 (new app status) AMEX: 800-582-6471 (recon with frozen EX for pin) AMEX Business charge cards - (877) 399-3083 AMEX Credit Bureau Unit: 800-874-2717 (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number) Barclays: 888-232-0780 (Customer Care) Barclays: 866-408-4064 (Credit Analyst) BBVA Compass Bank: (American Express Card issues only) 866-246-2924 Best Buy: 877-420-0001 Best Buy: 888-908-9890 (Credit Analyst, existing accounts only) BofA: 888-260-4696 (secured accts.) BofA: 800-824-5895 (secured & partially secured accts.) BofA: 800-881-4730, 866-226-8225, 800-247-7975 (Credit Analyst, existing accounts only) BofA: 866-618-4585 (Sr Credit Analyst) BofA: 704-386-5687 (Office of the CEO) BofA: 888-500-6270 (Credit Dept. Fax) BofA Business: 877-665-5023 (Analyst/UW) BofA Business: 877-665-5023 (New applications) BofA Business: 800-442-1043 Cap1: 800-625-7866 (Account Specialist) Cap1: 800-951-6951 (cust. relations) Cap1: 800-548-4593 (application department; status) Cap1: 800-889-9939, 800-625-7866 (Account Specialist) Cap1: 877-513-9959 (Account Retention?) Cap1: 800-258-9319 (Debt Recovery) Cap1: 866-280-0118, 800-955-1455 (EO) (Nerfed in general) Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst) Chase: 800-432-3117 (App status) Chase: 888-270-2127, 800-527-7419 (App recon) Chase: 800-453-9719 (Business card lending) Chase: 888-245-0625 (Credit Analyst - Recons) Chase: 888-622-7547 (Chase Executive Ofc. in IL) Chase: 800-955-9900 (Product change status questions) Chase: 888-298-5623 (Consolidation - M-F 8am-10pm EST) Chevron/Texaco Biz Card App Status: 888-243-8358 Citi: 800-645-7240, 800-288-4653 (Citi Business) Citi: 800-750-7453 (Business) Citi 888-201-4523 (Personal) Citi: 718-248-0847 (EO) Citi: 800-695-5171 (New Accounts UW) Citi: 605-331-1698 (EO - CC division) Citi Credit Bureau Dispute Fax: 866-713-5028 Comenity: 800-303-1368 (Consumer Relations - Recon) Discover: 888-676-3695 (New Accounts) Discover: 866-305-7691 (Direct Line TO CS) Discover: 866-222-0536 (EO) Elan: 800-364-9648 (CC underwriting, business and personal) Equifax: 800-846-5279 (Direct to Rep) Equifax Executive Office 404-885-8000 Experian: 800-493-1058, 800-208-9232 (9AM-5PM ET, need report number from EX) ExxonMobil Biz Card: 800-903-9966 FIA: See Elan FNBO: 800-444-6220 GEMB: 877-294-7541 (escalated help desk) Haverty's/Sync: 800-333-1082 Home Depot Store Card: 800-677-0232 (Credit Analyst) Home Depot Store Card: 423 467 6957 (App Status/Recon) Home Depot MC (Commercial): 800-720-0649 Home Depot: 800-685-6691 (Commercial) Hooters: 801-545-6705, 800-850-4668 HSBC: 866-574-4421 (App Status) HSBC: 866-719-3897 (Credit Analyst) JC Penney: 800-542-0800 Juniper: 866-408-4064 (Credit Analyst) Juniper/Barclays: 866-750-6031 (Corp. Offices) Key Bank: 888-201-4523 (App status) Key Bank: 800-254-2737 Key Bank MC: 800-288-4653 Key Bank Credit Research Fax: 216-357-6400 Lowes: see Synchrony (GE) Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues) Macy's: 800-543-9617 (Recovery Services) Marvel: see Synchrony (GE) Meijers MC: 801-517-5560 National City: 800-762-0974 (Credit Dept.) Nationwide Visa: 866-757-2720 (App. status) Nordstrom: 800-964-1800 (CLI) Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker) Philips 66: 866-289-5630, 800-610-1961 PNC Bank: 800-762-2117 (Business CC) PNC Bank: 877-562-0150 (Business UW) Sam's Club: 800-301-5546 (Underwriting) Sears: 800-599-9710 (App status) Shell Fleet Card: 800-223-3296 (App status) Shell: 800-223-3296, 866-438-7435 Shell: 800-377-5150 Staples: 800-767-1291, 800-282-5316 Sunoco Corp. Card: 800-935-3387, 800-278-6626 Sunoco: 800-310-4773 Synchrony (GE): 800-240-0512, 800-480-0205 (Biz) Synchrony (GE): 800-588-4290 (Consumer) Synchrony (GE): 877-379-8175 (Sr UW) Synchrony (GE): 888-885-6937 (Verification) Synchrony (GE): 800-333-1082 (Haverty's) Synchrony (GE): 866-519-6441 (Marvel CC, Sr UW) Target Biz Card: 800-440-5317 Tiffany: 800-770-0800 Transunion: (312) 466-7719 (Corporate Office Resolution Team Voicemail) Transunion: (610) 546-4600 (Corporate Office, need extension or last name to search directory) USAA Bank Secured Platinum: 800-344-5696 ext 38763 (secured product specialist) US Bank: 800-685-7680 (Underwriting) US Bank Secured Platinum: 800-344-5696 (underwriters for secured product) Valero: 877-882-5376 Walmart (Sync): 877-379-8175 (Sr UW) Walmart (Sync): 877-969-5302 (Verification) Wells Fargo: 866-677-1128 (CC Executive Office) Wells Fargo: 844-576-6424 (Executive Office) Wells Fargo: 877-514-3717 (Amex Propel Credit Svcs) Wells Fargo: 844-879-4824 (Direct # for Product Change Credit Svcs) Wright Express: 888-743-3893
  9. Hello everyone, I've been a member here for years and this site has helped me immensely!! This is the first time I have posted a question because I wasn't able to find an answer in the search. I am trying to refi my property but my credit scores are too low because of high balances on my credit cards. Score is 603 and all payments have been made on time and never missed (need to raise my credit score close to 700 for refi). Most of my cards are close to limit. I just received a personal loan of $44,000 to pay down my cc's but now I'm wondering which route to take: Do I pay off a few CC's or do I pay down the balances of multiple credit cards? I need to raise my credit score as quickly as possible and I'm not sure which way would help raise my credit scores the fastest? I'm trying to do this in the next week or two and do a rapid score at the end of the month. Thanks in advance for any advice! $14,000 Limit - Balance $13,549 $8,300 - Balance $8170 $1400 - Balance $1583 $15,190 - Balance $14,883 $16,700 - Balance $16,810 $6000 - Balance $9613 $7126 - Balance $6740 $5000 - Balance $5000 $32,000 - Balance $31,720
  10. I get my credit score from Experian and they are constantly promoting Experian Boost to add points to your score. I don't like the idea sharing more information and I'm assuming that it'll only make a difference with lower scores? Is this true? My score is 835 now so I don't need a boost but I can't help being curious. Does anyone have a boost they can share?
  11. When you take a consolidated loan...do they pay off the debt BEFORE the card or loan is closed or AFTER it is closed? If you cant get a personal loan is this your next best option...? How does before or after affect the credit if its closed, but paid? Is that a good way to go if you have less than a certain amount? How does one loan payment, if you have a car loan and student loan... affect the credit then? Can you obtain credit again during the loan payoff or only after...? How are you treated by the credit card companies...? Really curious about this process.
  12. I'm contemplating either refinancing my current used vehicle and see what chances I have, at this point, to actually trade up to a new vehicle. That said, here goes: Your Age? 52 Per MyFICO: Your Equifax Credit Score? 655 Your Experian Credit Score? 641 Your TransUnion Credit Score? 625 How many years have you been on file with Equifax? 30 How many years have you been on file with Experian? 30 How many years have you been on file with TransUnion? 30 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? Yes How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? Capital One Auto Finance Your current open auto loan payment is? $399.99 Estimated amount you may be upside down in this vehicle? I have no idea. I bought it in 4/2016. The current balance is $15,107.76 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) Never late on a payment (10) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 6 Total percentage utilized overall? 25% How many of your revolving accounts are store cards? 3 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 2 YOUR PERSONAL INFORMATION How long at your current residence? 2 yrs Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $550 How long have you held your current job? 2 years Your total provable monthly gross income is? $3,075 Your provable monthly income is provable via what method? Paystub or tax return Is there additional monthly income? I wish Describe the source. Is the additional monthly income provable? N/A YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $0 Does any credit repository contain any public record? NO If yes, please very briefly describe. N/A Does any credit repository contain any Collection Account(s)?Yes If yes, please very briefly describe. 1 repo on all all three CRs that will age off in 2019, four COs on EQ and TU that will age off in 2018, 1 med collection on EQ that I'm currently working on removing and 2-3 collections on EX and TU that will fall off in the next four years Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 7 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7 New or Used vehicle you are considering: Please very briefly describe. Refinance current vehicle (2012 Chevy Equinox with 78K miles), or trade for new 2016 or 2017 Chevy Equinox, which from my research sells for $30-$35K, but with the Fall coming up (and the time when car dealerships are trying to move out the current year models for the new ones), I might be able to get a bargain if I'm creditworthy enough. I thank you for your time.
  13. Was approved for NFCU CC & CLOC, 3 Chase cards & Wells Fargo CC recently. Was denied Amex SVG, NASA, First Tech CU with reasons stating too many inquiries last 12 months, too many recently opened accounts. Would like to get one more card preferably with over $10k limit then sit on my cards for a bit and let them age. Any recommendations for creditors that don't have a ton of issues with recent inquiries? Preferably that pull Experian as that is my highest score. Thanks in advance! PS. I hear a lot of inquiries don't matter that much. When I've spoken to recon departments they have specifically told me that it was a major factor in their decision.
  14. I currently have 2 active cards: CapitalOne Platinum ($1K due for CLI next month), and Ollo ($1.5K), both of which I acquired this year (got the Ollo in July). Before either of those I was searching for cards that I could get approved for to rebuild and Discover was one of the sites I searched. Each time I looked at their preselector, it returned one of their secured cards (which I didn't really want to do). At the time, my Experian FICO was in the low 600's. Well my score has improved bit by bit, and today I got a notice from Experian that it rose to 660 from 618 in July! Still not where I want to be, but a whole lot better than where I was! Anyway, I wasn't really looking for another card so soon, but decided to go to Discover just for the heck of it to see what it said. Lo and behold, I was preapproved for the Discover it Cash Back and the Discover it Chrome Card. Now, I'm wondering if I should go ahead and apply, or just hold tight for now. What do you guys think? EXTRA INFO... Both cards are paid in full right now, but the one of them hasn't reported yet, so EX is showing a 12% utilization. I recently paid off a Chase settlement which is showing on EX now. Not sure about TU and EQ. EX FICO: 660 TU FAKO: 688 EQ FAKO: 706
  15. So I have a Credit One card and recently got a CLI bump on it so I'm up to $550, but after reading some posts here, I'm hearing that it looks bad to have it. I don't necessarily need it because I have a Cap 1 Platimun ($850), a Wells Fargo ($600 secured) &, a Discover IT ($500 secured). The Credit One is the youngest of all the cards, only a year old. I had another credit one card about a decade ago that charged off and a weird thing happened. After months of paying on time with this new card, the old account reports as closed, but with 2 years of all positive payment history. I'm grateful for that... don't know how it happened, but cool. So I got this new card just to boost my overall credit, but now I'm thinking that was a mistake(except for the change in reporting of the older account). I understand that when I close it, it will remain a "stain" on my account for 10 years. Is it that big of a deal, though? Can somebody give me some examples of how having it there can affect my credit... score, chances of approval for credit, credit limits... etc.? Will closing the account make much difference in the short term since it will still be a stain?
  16. Utilization Consolidation Optimization only using EX HELP! Scores EQ538 TU587 EX638 Amex blue 10K / 4K bal Amex Every 10K / 7500 bal BOA Alaska Air 4500/ 3900 bal DISC 6300/ 4200 bal BECU 2K/ 1500 bal Cap 1 800/ 0 bal CITI 1K/0 bal Credit one 950/ 0 bal First Premier 1K / 0 bal First Premier 400/ 0 bal Student loan 9500/ 9270 bal I was at 690-710 on my scores then loaded my cards, killing my scores from over utilization. Along the way I was dealing with a federal agency penalty which before it got through with the appeal/contesting/adjudication the person I was dealing with retired, and the division of the agency closed now sending all penalties directly to Treasury. Soooo Treasury’s Bureau Of Fiscal Service is the taxpayers collection agency and they are tough. Sent me a notice of intent to garnish me (they can only take 15% after tax) and hit EQ and TU with a 40K collection! One of the listings said the account start date was 01/01/0001 that’s 1000 years before the crusades. So my credit repair person immediately verify challenges them. They have now come back twice updated with more info and amounts claimed, My insurance will cover part of it and I have a attorney doing the adjudication challenge with Treasury but the process is slow, maybe a year. So even though the debt is not being avoided by me, and hasn’t been confirmed, they are jamming me up on the bureaus. Im trying a third time verification with EQ TU maybe the govt shutdown will help them miss the 60 day window. But I’m dead on those bureaus. I tried my CU but they pulled TU and that’s how I found out about the Treasury listing. HELP: I know my EX score is low from loading up my cards, won’t a consolidation loan get my score back up? EX has 5 inquires 3/18 11/17 11/17 11/17 10/17 I’ve gotten the typical mailing from BestEgg and was about to click the button but waited, wanting more info. Here on Pulls it looks like they only pull EX? I need to figure out how, if it’s possible for me to do this. In the mean time I need to get a car, a person I’ve been working with says the finance person has banks that only pull EX. I have a good job, 70K at it 8 months, went to school last year to get the job. years of credit history, only 3 lates from over two years ago. Qs: 1. Where how to get consolidation loan to put out card fires. 2. Apply for consolidation or car loan first? 3. If I can get more then I need on consolidation should I take it and use extra to pay down balance then it will show less then 100% on my report and now count as bad? 4. Is there any hope I can pull this off? 5. The BestEgg prequalified offer is good only till Jan 9 so time is ASAP crucial, I haven't clicked through on it yet so they haven't run me, and they are emailing me to continue. Thank you for any and all help!!!!!
  17. Hello again, I fell off the credit repair wagon for a while, hard to believe it has been 5 years since I have been here. I am once again looking to get my reports clean and rebuild my credit in the hopes of buying a home next year. Currently I have an open vehicle loan with a sporadic history of late payments, but has now been current for the last 4 months. Student loans that I am going to contact for rehab. 4 Charged off CC in collections, 2 are just beyond SOL and the other two will be beyond SOL later this year. One is with my bank and still shows in my online banking acct. The car loan was my only open TL so I just applied for and was approved for a cap1 and a milestone card each with a $300 limit. I am debating between a secured card with a higher limit from my local CU or paying on the toy cards for a few months and trying for another unsecured. Priority 1 is keeping the car and the new cards current to start building a positive payment history As far as the CO's I have a feeling the Wells Fargo one will stick like glue and I am wondering if that alone will be an issue for a mortgage. I will probably be going the FHA route due to lower credit scores. Any thoughts on how to best approach this with the hopes of an upcoming mortgage loan? Currently TU 575 fako EQ 553 fako EX 526 fico
  18. 🤨WHAT SHOULD I DO NEXT TO BUILD MY PROFILE 🤔 5YRS/OLD BUSINESS ONLY 1 TRADELINE REPORTING TO D&B : SPRINT BUSINESS CELL PHONE PAYDEX 80 VIRTUAL ADDRESS THROUGH IPOSTAL 1800# THROUGH GRASSHOPPER NET 30 VENDORS QUILL ULINE SUMMAS _ CREDIT LINE $1000 BP UNIVERSAL GAS MASTER CARD _ CREDIT LINE $500 SPRINT BUSINESS PHONE GRAINGER SUPPLY WORKS DENIED FEDEX OFFICE Thank you for joining FedEx Office. During your enrollment; you requested a credit account for print. Using the information, you provided – we were unable to extend credit on behalf of your company. However, we did create a discount account for you. You can use this account number to receive a discount on printing at any one of our 1800+ FedEx Office locations and online.
  19. I wanted to share an update to a recent account opening with no issue. Back last November 22, 2017 i applied online at First Commonwealth Bank and was denied due to Chexsystems. On June 29, 2018, i applied again and thought what the hell. The next morning, I had an email saying my application was approved. I funded it $50.00 and got debit card in the mail within 7 days and got checks 10 days later. I am still in Chexsystems. My significant other and Mother are both on chexsystems to. They applied as well, and were both approved. I went to a local branch on July 21, 2018 and opened a business account, They offer free business accounts. I was approved. No mention of chexsystems, efunds, fiserv was never mentioned by the banker. I always try and get as many banks as i can and use them so that one day i have back up banks and a plan. It seems lately a lot of banks are merging these days. The website to the bank is www.fcbanking.com Wells Fargo Bank Branches in Ohio, Indiana, Michigan are merging by the end of 2018 to FlagStar Bank Fifth Third to Merge with MB Financial, a Chicago based Bank. First Financial Bank, effective 05/29/18 merger has been completed with MainSource Bank. First Merit Bank in Akron, OH and Foundation Bank in Cincinnati, OH have merged with First Commonwealth Bank First Merit Bank in Akron, OH has merged some branches to Huntington. So as you can see, a lot of mergers have happened within the last year.
  20. I'll try to keep the back story short. Basically I started a new business venture a couple years ago that didn't pan out like I planned and I increased my DTI and utilization significantly during this time in order to just keep up. About six months ago, I purchased another business (got out of the failing biz) and sold some assets to pay down debt and invest in this hopefully 🤞more successful venture. One of those cards was my Chase Sapphire preferred. Fast forward a month after a large payment towards the balance (not a full balance payoff but about 60%) they chopped my limit substantially!!! This was going to be my preferred personal card going forward for the rewards. I thought maybe I'll finally get to take a vacation some day and use points and this was one of the best cards out there and I already had it my portfolio. My question is, has anyone had any success or have any tips for getting the limit restore or at least increased? From researching CB it sounds like Chase is a real beast to deal with which is unfortunate. They were always really good to me in the past. Other info that might be helpful: I have both my personal and business checking with them I have a Chase Amazon Visa with a super low limit that has been at 0% utilization for at least couple years now My business card is an Amex Blue Business with a $18K limit and 0% utilization. Chase declined me for a business line of credit due to NO CREDIT (for the business that is) and told me to reapply in 6 months My PenFed personal credit card is the only one with a high balance now and I'm working on that one little by little I did establish a pretty good relationship with a business rep at my local branch and I thought about going in to see if he could help (he's reversed some fees for me in the past on the business account) but I don't want to try that first without more research. Thanks in advance for the advice!
  21. Recently, paid off balance of closed Amex account (closed by them) and was offered the optima card to rebuild relationship. Should I open to rebuild and if so ask for deletion of the original amex account ?
  22. Hello, I have create a situation for my self that my monthly expenses exceed my monthly income so I been missing payments to my credit cards. I was thinking of cashing out one of my mutual funds and pay off two of my cards to reduce my monthly overhead, Best buy has offered me a settlement offer where I would pay them half of my total statement within 90 days and they would charge off the rest, but they would still show on my credit that this was paid but not all of it. And I still have to reach out to chase to see what options I have with them. My question is, is this a good idea right now I am way behind on the payments and killing my credit but not sure what is my best options. Any suggestions or recommendation? Also I own my home so I didn't want to so a bankruptcy.
  23. Hey all! My washing machine just went out, so I need to get a new one. I have the money, but since I’m trying to rebuild my credit, I was wondering if I should try for one of those 12/24 month interest free deals at one of my local appliance stores to add another positive line. What do you think?
  24. This discussion had come up several times recently, so I thought we would have a clear thread on this subject. Who does this help? People with clean reports. What does it do? It helps you eek out every point possible from the utilization portion of FICO scoring. What do you do? Let $2 report on 1 card and have the rest report $0. Why $2? Because you want non-zero utilization reporting on 1 card that is included in FICO utilization calculations. Experimenting with amounts lower than $2 has often resulted in the balance being credited to $0, so $2 is the smallest "non-zero" amount to use reliably. Are there any cards that this won't work for? Discover is $3 minimum. They will credit $2 to $0. Cards over $50K are not counted in utilization and also do not count. I verified all of this with BobWang via email. I'm not going to post the emails, but if for some reason that is not good enough, I will forward the emails to Breeze and let her verify the authenticity of this information.
  25. Hi everyone. I’m trying to repair credit for myself and my husband so we can get a good mortgage hopefully by next summer. We have some dings from job layoffs and not having emergency funds, but I have spent a year and a half getting our budget set up so we have a good buffer and should job loss happen we would still be able to pay our bills for a while. So, credit repair is the next step. I am hoping for some advice. I’ve been trying to do things on my own and I feel like I still am kind of clueless. I sent some verification letters but a mortgage lender told me having those disputed notes on my file is no good. Good? Stuff from my credit report: Capital One Quicksilver $1500CL, paid on time and utilization under 9%, opened 3/2017 Capital One Quicksilver One $500CL, paid on time and utilization under 9%, opened 11/2017 Comenity store card $610CL, paid on time and currently $98 balance, not sure if I should pay that down more - I hate to keep buying stuff and I want it to report, opened 10/2017 Self Lender that was paid off in 2/2019 so now it reports as closed Capital One auto loan, balance around $14,500, paid on time, opened 12/2018 All of my student loans report paid on time. The bad stuff from my credit report: Credit One chargeoff, reporting $0 balance, DOFD 1/1/2015 - I paid the CA for this one, both OC and CA are still showing right now (just paid it off for a settlement amount this month) Old Navy paid for less than full balance and closed in July 2013, reports past due through end of 2013. It says “account paid for less than full balance”. Not sure DOFD. Kohls chargeoff, DOFD 4/2013 Barclays chargeoff, reporting $0 balance, DOFD 2/2015, paid the CA for this one as well - both OC and CA report, similar to the Credit One account above. This also says “consumer disputes after resolution”. First Investors auto reposession 8/2015. Reports $0 balance. PRA $999 old Cap One card, DOFD 3/2015 Midland for Barclay, paid for less than full amount, CR has not updated yet Midland for Credit One, paid for less than full amount, CR Has not updated yet Penn Credit electric bill collection, placed 4/2016, planning to pay this week Professional Debt Mediation collection, planning to pay in the next few months, placed 2/2015 My husband has 2 open, paid on time Cap One cards (newer than mine), the auto loan, and then 3 collections that I am planning to address this year. Should I write letters to the original creditors to ask them to remove things? Should I just continue to pay off the CAs? I know PRA will now delete once it’s paid. Are there other letters I should write or steps I should take? I guess I just get confused as far as whether it’s beneficial to actually send all the validation stuff, or whether it’s actually harming my report. Thanks for any advice.

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