Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Sign in to follow this  

Advice For The Dear Neighbor on Best Route For Starting Again

The last post in this topic was posted 2718 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

Ok... so Dear Neighbor has open loan with USAA never late on it as well as a mortgage which had a series of lates, however paid all on time for the last year. She has no other positive credit.. probably about 13-15 mediclal baddies however with collection agencies. I am going to coach her through handling them, however, she is interested in trying to at least open one account in the meantime to start it aging. My questions here are...

 

1 - Since the relationship with USAA has been ongoing with the loan for about 2 years, should i have her inquire about an unsecured product that may be weighted on with her flawless payment history on their other product...

 

2 - If denied, is she automatically offered the secured card option without having to do another pull for this?

 

She is military retired therefore i would assume full member as well. Just didnt want to route her to Cap One secured or straight to the USAA secured if the history may work in her favor to get USAA unsecured having already established a relationship with them. Your thoughts here?

Edited by lukegotswag

Share this post


Link to post
Share on other sites

One card app for USAA triggers one inquiry, EQ. Then you can app for all the cards you desire the same time frame. So app for whatever USAA card she wants and if it is rejected, can still app for a secured on the same INQ. As opposed to C1 where they will reject after hitting all three.

 

USAA is very good to its full members (myself included) that have not burned them before. Try for the generic Visa.

 

Does she travel? USAA can do a chip and pin MC.

Share this post


Link to post
Share on other sites

One card app for USAA triggers one inquiry, EQ. Then you can app for all the cards you desire the same time frame. So app for whatever USAA card she wants and if it is rejected, can still app for a secured on the same INQ. As opposed to C1 where they will reject after hitting all three.

 

USAA is very good to its full members (myself included) that have not burned them before. Try for the generic Visa.

 

Does she travel? USAA can do a chip and pin MC.

No travel.. actually dealing with an injury incurred during time of serving.. so is the product called the generic Visa? is there somewhere to see their list of CC products from the outside as a non-member? What exactly is the chip and pin MC. Thanks for the prompt reply as well :yahoo:

Share this post


Link to post
Share on other sites

Have your neighbor follow Whychat's medical dispute method. It's helped many people, including myself.

 

In regards to USAA they seem to be pulling Experian instead of EQ now, at least with myself and a couple people I know.

 

You may want to want to have her consider Navy Federal as well. Not sure though if they require having a checking/saving before getting a credit card.

 

Tell your neighbor to keep their head up. :wave:

Share this post


Link to post
Share on other sites

Have your neighbor follow Whychat's medical dispute method. It's helped many people, including myself.

 

In regards to USAA they seem to be pulling Experian instead of EQ now, at least with myself and a couple people I know.

 

You may want to want to have her consider Navy Federal as well. Not sure though if they require having a checking/saving before getting a credit card.

 

Tell your neighbor to keep their head up. :wave:

All of this. Seconded. Whychat's method for the medical works. I could easily see USAA doing unsecured for your neighbor especially considering her positive loan history with them. My last pull from them was Exp. And definitely have her consider Navy Fed. Good luck to her.

Share this post


Link to post
Share on other sites

Thanks for all the input guys... but she is definitely doing good. She is looking to finally get into a new home after being in the current townhome for 8 years. The VA will be giving her a grant of $25,000 to $30,000 to make modifications to the home due to the injuries, however, she is definitely in good spirits. And especially good spirits once she realized her neighbor she knew all this time had a thing or two to show for himself by way of credit repair. She is a kid in a candy store in this process right now and I can only thank CreditBoards for that!

Share this post


Link to post
Share on other sites

The last post in this topic was posted 2718 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  

  • Similar Content

    • By RussInGotham
      http://www.doctorofcredit.com/the-discover-it-secured-card-does-graduate-to-an-unsecured-card/
       
      Say what you want about Discover, but this is a solid rebuilding option that starts at $200.
    • By funkiehouse
      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%.
    • By Aahz
      So, when I signed up for MyFICO recently I didn't actually read , so didn't realize I'd only be getting one 3-in-1 report per year. Not acceptable, but totally on me
       
      So, I poke around CB per usual when I have a credit related question and eventually stumble across BW's Master How to Sign up for USAA CreditCheck Monitoring Premium (CCMP) Thread. Cool.
       
      I follow along his steps and, after entering my SSN the site returns a message asking me to confirm that I am [NAME REDACTED]. Now here's the "funny" part - the name they showed was my birth name, which I haven't used (and hasn't been on my Social Security card, credit reports or ANYthing else) in over two decades!
       
      Clearly, I think, they're connecting to some bizarre, totally outdated database. But I soldier on (so to speak), confirming that I am, indeed this person and managed to get signed up.
       
      After checking out my reports and learning my way around the CCMP site I return to the USAA site and notice that I actually entered my address wrong. So, I go to change it and, after entering the correct info and clicking next, the site informs me that it can't change info for MY MOTHER because we live at a different addresses. Now, I haven't spoken to my mother almost a decade and I certainly didn't enter her name anywhere at USAA or CCMP, (other than her maiden name as requested, but the name they posted back to me was her (third) married name) so I'm compleely flumoxed.
       
      I poke around a little more and it seems I not only signed up for CCMP, but also managed to join USAA, which I thought was impossible for me. My father was in the Air Force and the Navy, but I haven't spoken him since the day I graduated from high school in 1987, so I would have no idea any of his relevant required info. My maternal grandfather was also in the Navy, but he died over 20 years ago, so again, I have no access to his info.
       
      Yet, alas, I've somehow not only (literally) stumbled into USAA membership, but my account has somehow been created under a name that is no longer legally mine and been connected to my estranged mother's account.
       
      DO things get any more bizarre?
    • By Quietman
      Well, one more step for the DW. Approved for $16K on their Rate Advantage Platinum MasterCard, HP on EQ.
       
      Her Scores:
       
      Exp : 789
      TU : 798
      Eq : 806
       
      Over the last twelve days, she's scored:
       
      AMEX EDC - $9,400 to $28,200
      NFCU Flagship - $10,000
      NASA Visa - $13,000
      BECU - $25,000
      BOA - $8,200 > $16,400
      USAA - $16,000
       
      For a total of $91,000 in new credit!
       
      I think this evening she'll apply for a second NFCU and a Citi card, then off to the garden!
       
       

       
    • By casemodgod
      So, coming up on about 1 year of account history for a Credit One (yeah I know)
      and a First Progress secured card. Both have annual fee's, and I feel at this point
      I'm well in the right direction with about 35-40k in lines.
       
      Time to close them before the new year hits?
       
      What say ye!
       
      Also got a True Value card from comenity that had 1 charge put on it and nothing
      else, i got it cause I have a True Value close to me, but when I went to use the card
      they said they don't accept their own credit card there.
       
      So, its practically no use to me. There's no AF on that one, leave it alone and wait
      till they close it, or do that one also while I'm at it?



  • Member Statistics

    • Total Members
      179,662
    • Most Online
      2,046

    Newest Member
    Mike99
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines