AMEX BCP Approved! - 12k!
So after having her only baddie removed a couple months ago, my wife has gotten a 4k cli from Discover which boosted her score to 750. She just got approved for a BCP with a 12k SL!! Can she 3x CLI...
View ArticleRebuild Time!
I am embarking on a course to rebuild my personal credit status to a more respectable one. My wife and I closed on our home nearly 2 years ago and we love our home. Once that was settled; I personally...
View ArticleAmex reinstated after paid in full
I have read many of these forum posts and learned much from everyone so I wanted to share one of my experiences and hopefully it will help someone else as well. i was a long time Amex card holder with...
View ArticleDispute Update vs. myFICO
I've been dealing with a couple of collections and a judgement on my EQ report. I received notice from EQ that the dispute was complete. Both collections and judgement have been deleted from my file...
View ArticleCapital One GW Letter, fingers crossed
I sent a goodwill letter to Capital One about a week ago, today a lady call me telling me she was going to try and help me and that I will know the answer in three days. I'm crossing my fingers and...
View ArticleCollege Closed Down / Collection Agency Closed Down. What do I do?
Hey Everyone! So I have an interesting one for you. I have an old school loan that was picked up by National Recovery (a collection agency) that I've been paying on since 2011. Now the college that I...
View Article20 POINT Increase on EX
I checked my CCT today and had a 20 POINT Increase! Nothing has changed , my CCs haven't updated new balances and UTI for this mth so idk but I'll sure take it , now I can't get my 3B until next week...
View ArticleRebuilding after chapter 7
So my wife and I filed for chapter 7 and are now in the beginning rebuild stages. She's not done anything to rebuild, and I've applied for a few credit cards. Got approved for one, declined for one,...
View ArticleRental History
Have anyone here ever used their rental history to add positive credit to their report. A co-worker has done this and I have seen the increase but I wanted to know if any of you experienced this...
View ArticlePIF gives, and residual interest takeith away
I paid off my Southwest Premier before the statement cut, but I had left a balance the previous two statements so my grace period was gone. They put the $13 in interest on my statement and my EQ score...
View ArticleWill my score go up ?
Am i getting monthly score increase from just simple making payments monthly?I am in a rebuilding processNow last month no score change why is it ?Utilization 1%Equifax score is 670I have 4 accounts...
View ArticleCharge off now collection
What is the smartes way to handle a charge off now in collections. It has not show up in my credit report as a collection yet, but the collection company call me today.
View Article$167 paid collection is holding me down
That's all that's left on two of my credit reports in terms of baddies. I need a GW miracle! A year-and-a-half of rebuilding has taken me from the high 400s to the high 600s (even up to 700s before I...
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Being bonded in Texas
So i have a quick question. i have been going rounds and rounds with these guys. im trying to uild a case against them pretty much but heres my question. I searched to see if they are bonded in Texas...
View ArticleBest way to handle late payments?
Where should I start? Send goodwill letters? Some of them are to the same lender!!! Is it correct that they also fall off after 7 years?
View ArticlePre Qualify CC site??
Do you need to be opted into pre screening for the Capitol One site to work for an offer?I see the pre qualify site only asks for the last 4 of your SS#. I was wondering if it works similar to the...
View ArticleFico 8?
I see number of different fico scores and it all makes sense, but why so many? When do lender use Fico 8? Too many scoring model, this is ridiculous.
View ArticleCapital One Credit Steps Questions
My 3rd statement for both my cards cut over the next 5 days. I am currently at day 71 since opening them. I know once my cards hit their 3rd statement I can request a CLI. I have run about $3500...
View ArticleApplied Bank Goodwill
Fired up 16 emails to Applied Bank (8 yesterday afternoon and 8 this morning). Don't worry it was to two Execs using different email combos. I cannot tell you which one went through since I've received...
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