Jump to content

Can you all please give me guidance on my plan of attack 😢


Theirmomma
 Share

Recommended Posts

On 3/21/2020 at 1:13 PM, Theirmomma said:

Opened 6 month share secured loan with NFCU yesterday. Total process from phone app to approval and funding was 20 mins max. Today I paid the balance down to 9% and it shows my next payment isn't due until 10/2020😁 Did this to see how the installment loan hack will work on my credit profile so others will know for future reference. 

Congrats on all the great progress you're making @Theirmomma!!! Keep it up!!!

 

I'm about to do the Share Secured loan with NFCU and also, want to hack it for the boost and installment TL!

 

Now that you've had the loan for 2 months and since you paid it down to 9% where the payments are not due till 10/2020, can you PLEASE tell me how they are reporting the skipped payments?! Do you see "ND" (no data) for any months since you've had it now on your reports? 

 

 

Link to comment
Share on other sites

  • 2 weeks later...

26 minutes ago, Theirmomma said:

Decided to unfreeze my TU and try NFCU for a credit card. You can see if you prequalify and it said yes 👀

So I applied and they approved me for $7300 😁😁😁 

This is my highest credit limit so far and I'm super excited. 

 

That needed to be bigger.  :good: 

Link to comment
Share on other sites

Update

 

I increased my Discover to $500

Added the following accounts 

Wayfair $500

HSN $1800

Approved for 38k with Wells Fargo @ 8% but hadn't gotten vehicle yet. I tried NFCU but they declined me 😢

 

Finally unfroze TU yesterday and did prequal for NFCU cc and was approved for $7300 🙌🙌🙌.

I will refi my vehicle with them at end of year to get interest rate down 😁

 

0?ui=2&ik=1d134f8568&attid=0.1.1&permmsgid=msg-f:1668394729762881421&th=1727542acca67f8d&view=fimg&sz=s0-l75-ft&attbid=ANGjdJ87KlrobwZUq1OaNPfoygfTjC0XoxAJkIQmQTa3vn_yU_C0Z97iB8TwxQH1TP5s1H-bMx7p7IvOiF4XG1PvQNO6C0FeFA9wRT7uCzJW6WnPGBMKybOMwMc7MSM&disp=emb

Link to comment
Share on other sites

1 hour ago, Theirmomma said:

Added the following accounts 

Wayfair $500

HSN $1800

Was there a compelling reason to open these cards?

 

I know how gratifying approvals can be, especially after a long drought, but open store cards sparingly and only when they have ongoing value. 

 

These small limits can hold back your progress.  

Link to comment
Share on other sites

1 hour ago, cv91915 said:

Was there a compelling reason to open these cards?

 

I know how gratifying approvals can be, especially after a long drought, but open store cards sparingly and only when they have ongoing value. 

 

These small limits can hold back your progress.  

🤦‍♀️ I actually shop on Wayfair a lot.

I wanted a new Macbook but didn't want to pay all at once and HSN had 12 months same as cash financing. 

Link to comment
Share on other sites

30 minutes ago, Theirmomma said:

🤦‍♀️ I actually shop on Wayfair a lot.

I wanted a new Macbook but didn't want to pay all at once and HSN had 12 months same as cash financing. 

Work those for CLIs regularly.  :)  

 

Looks like Wayfair is 3% back in rewards, which is good. 

 

Keep Bank of America Cash Rewards on your radar for later -- 3% back (or more with relationship) for all online shopping up to $2k per quarter (and you can have multiple/duplicate cards!).  

 

Edited by cv91915
Link to comment
Share on other sites

1 hour ago, cv91915 said:

Work those for CLIs regularly.  :)  

 

Looks like Wayfair is 3% back in rewards, which is good. 

 

Keep Bank of America Cash Rewards on your radar for later -- 3% back (or more with relationship) for all online shopping up to $2k per quarter (and you can have multiple/duplicate cards!).  

 

Yes I have BOA & Amex Blue Cash on my wish list 😍

Link to comment
Share on other sites

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.

 Share

  • Similar Content

    • By CandiedCredit
      I sent out a validation letter to a medical collection on the 1st. today the 17th i got an alert that a new account was added. The account was never removed to my knowledge but it is the same Collection but now the balance says zero.  Why would they do this? I haven't received any response from them.   Should I wait the 30 days to see if they remove, or move forward with another letter?  Thanks for any response 
    • By Dawn0912
      I am trying to help a friend out that does not have access to the internet. He said the templates are nothing more than pre-done forms to remove or amend credit errors. I have been looking for hours. I was wondering if anything can either attach or tell me where to find them. 
       
      Thank you!!
    • By CandiedCredit
      Hi everyone, I am a bit confused about a letter I have received from Wells Fargo. It is an old auto loan that was charged off in 2018 (repo).  I have only removed addresses and frozen lexisnexis,innovis, etc at this point. I received a letter from WF stating that due to the age of my account they are cancelling the balance, and will no longer attempt to collect. This seems strange to me that they would voluntarily cancel a debt before I've disputed anything. What should I do if anything regarding this letter. I'm hoping the credit Gods are just dropping a blessing down on me  
    • By silentjc
      Finally posting on this forum after gawking for a while. 🙂
       
      I've been working on my credit repair the last couple of years and am kind of at that point where I'm not sure if there is anything else I can do but wait it out.
       
      Had a medical issue back in 2016 / 17 which contributed to somewhere around 12 account charge-offs and a car repossession. Over the past year and a half, I've been aggressively paying the accounts off (all are at zero balance, settled), disputed as many as I could (several fell off, am doing another round this month), opened five rebuilder / secured / sub prime cards starting two years ago (Citi Secured, Self Secured, Cap 1 Secured, Cap 1 Unsecured, Credit One Unsecured), did the Self Lending self loan (like 6 months left on that one), Experian Boost, have had a high interest car loan the last two years, am about to replace it with a newer car loan at a lower rate, and obviously keep cards paid off every month and paid on time (*accidentally had a 30 day late when I was changing banks and forgot to update the account that was on autopay). 
       
      Looks like stuff starts aging off in 2023 and 2025. Scores went from the low 500s to 696 Trans, 712 Equifax, 625 Experian.
       
      The problem I'm having is that even with everything settled, zero balances, and "good" scores," I'm still in purgatory when it comes to getting an actual decent points card. Capital One gave me an unsecured one a few months ago, but it's a $300 limit on a non rewards card. And since I already have two cards with them (one which is my oldest card now), even though their my "best bet" in the nearterm for a better card, i'm at their card limit. 
       
      Goal Cards in the future are Chase Sapphire, AMEX Blue, AMEX Gold, and Citi Premier. 
       
      Current plan is to just keep sending dispute rounds every few months, keep balances at zero, not apply for anything new at least until early 2022. 
       
      Is there anything I'm missing? Anything I can do sooner to help compensate for the scars from the past on my credit report?
    • By NewlySeperate
      I’m newly separated and I’m trying to re-establish my credit and financial independence.  There are 4 collections on my credit report that my husband was responsible for when we were together in 2020.  We both had extensive blood work done by a lab of which he was paying. We separated and he has not been paying so it went to collections and showed up on my report. 
       
      I just disputed them online a few days ago and am waiting to see if they are removed. It has my name and not his. Is it even conceivable they will be deleted?  My score is in the 500 range right now. I don’t have much credit but want to repair and build.



  • Member Statistics

    • Total Members
      183,343
    • Most Online
      2,046

    Newest Member
    cain1974
    Joined
×
×
  • Create New...

Important Information

Guidelines