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First time on forum.. HELP please :)
Hello,I have been browsing the forums for the past couple of months and they have been so helpful. I had a question about rebuilding my credit and would love some input! When I was about 18-19 I...
View ArticleGW letters
Hi everyone! I'm really excited because my bk is finally set to fall off in June (TU and Ex were kind enough to early delete, but EQ is hanging on to it like I'm some kind of debt criminal). Either...
View Articlecredit help..pfd etc...
Hello everyone...tomorrow i'm going to try to help my brother out with some debts that are on his credit reports. He has saved his tax refund and has several items on his credit reports. I had him sign...
View ArticleMY FIRST CLI
Awwwwww I just want to scream OMG!!! My third statement came out yesterday for my quicksilver card and I just hit the love button and got a 3k increase!! I went from a 300 starting limit to 3k I can't...
View ArticleRebuilding after 20+ Years
First off, much gratitude to all the contributers here and all the advice and encouragement they consistentely offer without which I would have not likely stuck a toe in the water after so long....
View ArticleLowest Cap1 APR?
In my recent exercise of getting a credit consolidation loan from my CU, I was going through all my credit cards and printing off statements for the banks.... i have 4 cap 1 cards: Cap1 QS1 -- was...
View ArticleTwo charged off accounts and Graduate plus loan
I have two charged off account from 2013 siting on my credit report. I haven't been able to pay off those two cards all this time.But i think i need to do this ASAP. I am applying for this graduate...
View ArticlePay debt even though not reporting
hi all, I have been working hard on improving my scores and have recently hit the 600 mark and also have gotten approved for my first store cards walmart and amazon. I have other that are secured but...
View ArticleMarried Couple Mistakes Requesting Advice
This forum is a wonderland of knowledge and I thank you in advance for taking time to help.Now for my story. i'll try to keep it simple, where we started, where we are now, and our goal. Where we...
View ArticleRemoving a HP possible? Need advice.
I would appreciate your thoughts on this matter. I had a judgment from Midland in July 2007. Judgment was settled last year and it was removed from my CR by the attorney that was representing...
View ArticleRebuilding, considering closing a secured card
So I began the process of rebuilding my credit about a year ago. The first step was opening a secured credit card with SDFCU for $250. Since that time, I've jumped my score from the low 400s to almost...
View ArticlePossible Help with negatives
My wife and I are trying to get a VA loan, and of course the min. score is 620. Mine are Experian 601, Equifax 553, and Transunion 537, my wifes range from 721-763, but she has a much lower income. We...
View ArticleCurse you Comcast!!!
I tried to goodwill Comcast through the CEO email. They called me, but would not budge stating that it is being reported correctly. Frustrating!
View ArticleHow to use my credit cards
Hello everyone, I have been working on building my credit over the last couple of months. Back in Decemeber I got a secured Capital One Platinum card with a $200 limit. This was my only active credit...
View ArticleAm I missing something? (Equifax)
I posted earlier about a $94 collection I have from 1/2011 that I have asked both original creditor and the collection agency to verify - and neither have. I filed a complaint with the CFPB (on 3/2...
View ArticleSo Lost! Credit card Charge offs, Repo's & Late Payments....
My credit is completely shot! I have several credit card charge offs, 2 motorcycle repo's (one I settled & one I didnt) and several late payments!!! I am wanting to start fixing/rebuilding credit....
View ArticleWhat card should I app for next?!?!?!
I was recently approved for my FIRST unsecured credit cards. Cap One Platinum and Quicksilver one. Both have $500 limits. I haven't received them yet, but i was thinking maybe i should try my hand at a...
View ArticlePaid collection
I have a collection account from Comcast. It is was given to SWCredjt systems in August 2015. They reported it unpaid again in November and I took a hit in my credit score. So I paid Comcast directly,...
View ArticleFinally pulled the trigger
I started rebuilding in November 15 to get a mortgage. I was lost until I found this place, I joined December 21, with the help of all yall fine folks I was able to raise my middle mortgage score from...
View ArticleAmazon Store Approval and Rebuild Update!
I got added as an authorized user on a Cap1 with 1800CL and it finally reported -- Last night I was able to get approved for a credit one card (yeah, I know - gotta rebuild somehow) and an Amazon Store...
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