Need some advice about paying down debt
This fall I moved which resulted in me maxing out most of my credit cards. Several are over limit by a few hundred bucks... Several are over limit by a few bucks. I'm supposed to get a bonus of...
View ArticleNew collection
Hello everyone! My husband had a collection on his report that was deleted in mid-December after sending a DV. Today I got a notification from CCT that a new collection was reported. When I checked it...
View ArticleClosing 5/3 Secured...Apply for Second QS1?
Hey Y'allI opened my 5/3 secured last August. Recently 01/01/16, I was approved for my first unsecured major. Yep that QS1 you see down there 👇.While I'm still a seedling, I was thinking about closing...
View ArticleOpening one credit card - Hard pull impact
Credit karma's calculator says that if I open one credit card with a high limit that my credit will jump quite a bit. I'm worried about the hard pull from this. Would that have a seriously ill...
View ArticleCap1 secured reported today, still no EX score
Was hoping that when the card reported I'd finally get one. Oh well, maybe when my QS1 and Platinum report I will. On the plus side though, hubby's score went up 13 points because of it (AU).
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What a STRANGE dream....LOL!
...woke up checked my wallet, Dang! LOL!!! I just woke up to a strange dream that I checked Capital One pre-qual website (they still blacklist me 7 months post BK BTW) and pops up Venture, I apped it,...
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Just Applied for CAP1 Platinum
And was approved for $1000. I was trying to decide between Platinum and QuickSIlver, ended up going for the Platinum. Should I apply or QS now on the same day, assuming it will use same pull?
View ArticleFingerhut CLI?
I have a fingerhut account and have made two on time payments with them. I don't know much about the credit limit increase with fingerhut. I have the regular account not the starter account. So here...
View Articleindividually for each CC or grouped?
sorry, i could'nt find better title description... my question without answer is: my debt is from 2 diferent CC, they have each a diferent last payment. one 2006 and the other 2008...will the collector...
View ArticleOld Judgment Appearing AFTER Satisfied?
So I had an old judgment from 2013 that I recently satisfied and it JUST NOW reported to EXP. This is crazy why would it suddenly report after over 2.5 years? Also oddly enough it barely effected my...
View ArticleUpdate and Question
HI All!! Havent been here in while. Wanted to give an update. My scores are currentlyEX 662 TU 658 EQ 649 I am still using all the advice I was given here and I am SUPER thankful to all of you! My...
View ArticleEquifax removal issues 1/2016
I had a HSBC account that was scheduled to come of 1/2016 on my TU and EX accounts -It said right on the CR's. There was also a Portfolio Recovery collection linked to that HSBC account as they were...
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Still trying for CLI
I have two cap one cards and have read all the lovely stories about getting an early increase. I have yet to get it. I use the cards as I would my debit card and I make large payments on both cards. I...
View ArticleWhat Next?
Hey everyone, this is my first time posting on this site!I need your help, i'm looking to Buy my first home and i need to improve my credit a bit.I have a Cap 1 platinum with $1300 CL, 2 Quicksilver...
View ArticleAnyone have the BOA secured?
I applied 2 weeks ago for the Bank Of America standard credit card and I was denied. They counter offered with a secured card which required a $300 deposit. Unsatisfied, I called the reconsideration...
View Article401k loan to raise FICO score to get approved for mortgage
Hello everyone,Here's the scoop:1. Short sale is on my credit report from almost 3 years ago.2. Some late payments3. Some collection accounts4. Low FICO - Mid 500s5. Stable income6. Currently paying...
View ArticleCapital One Limit Increase to increase score
So i called Capital One to ask for an increase and was told that they do not take information over the phone that we must use the automatic system (5-7 days for response) or online (2-3 days response)....
View ArticleTransworld Systems Parking Ticket - Will it be removed?
I have a parking ticket from Tacoma,WA that's showing up on my credit report apparently. It's from Transworld Systems, Inc. Does anyone know if they remove tickets? I'm leering of calliing them as I...
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need help raising credit scores, secured cards, and other questions...help!
Our new years resolution is to get my husband's credit score raised so we can hopefully buy a house by Christmastime, or at the latest this time next year (2017) I need some guidance and some...
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