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My 350th Post!!
Final step for the DW for 2014. Approved for $13K on their 11.99% Diamond Preferred, HP on EQ.
Exp : 789
TU : 798
Eq : 806
Over the last fourteen day app spree, 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
Citi - $13,000
For a total of $104,000 in new credit!
She did apply for a second NFCU card, that's still under review.
Off to the garden till next year for some CLI requests. (I know, a lot of GIF's, just celebratin' a little , ok, a lot! )
DW was just approved for NASA Visa Platinum Rewards, $13K, 9.9%
I'm trying to make sure she has a complete credit profile, she has no credit unions yet. Although, she was just accepted to Navy FCU (based on my membership). CC application there is "pending".
Her FICO scores:
Exp : 789
TU : 798
Eq : 806
The NASA HP has not shown up yet, but I'm guessing it will be Experian like mine was.
A friend of mine has a $50K limit from Discover for an account from 2004, but has a promotional balance at a very low interest rate, causing his utilization to be at around 60% on that card, so I was suggesting he apply for a CLI, but wonder if he is already at the maximum they will give anyone.
Does Discover have a maximum credit limit above which you cannot go beyond, if so, what is the maximum exposure they will allow?
Hello, I have been dreaming of good credit and having a 730 since I've been little. I was in the process when I turned 18 and I got my first secured card courtesy of Capital One. I would pay it off every month. Then months later I applied for discover and a regular capone credit card and approved by both. I was paying my cards and then I lost a job and ended up moving to another state I for 4 months on my discover and 3 months on my Capone cards. As Soon as I got a job I paid off my two capone cards and Theb I paid my Discover card they reopend it for me and everything. I talked to capone today and they said they will send a letter to the three bureaus stating that I was unemployed so on and so forth and wait for a reply in the mail so praying they erase these late marks. Discover on the other hand was so rude they just kept saying by law we must report info to the credit bureau and that we cannot help you we do tell them that you are doing well every month that you pay .
I was signed up with a lady who does credit repair but tmrw I will be opting out.
I have read that I can do a goodwill letter
And in some even say they did it through Email
Please may someone help me
What email address can I use to email my goodwill letter to Discover and what is the best address to mail one to them. I dont wanna be one of the people they just toss aside.
I have been doing somewhat well with my score my fico is a 601 and the 3 bureaus are around 502
All my hard credit inquiry should be removed by February 2015 so then my score will in have these negative marks towards late payments when I was unemployed which suck. I would like to be able to get a loan one day well sooner than later.
Anywho all and any help is appreciated thank you in advance thank you for bearing through this long post