Credit Profile as of 1 March 2010
Hey all, Just got approved for a Chase Freedom this morning! 1k CL. Got the 30 day message when I apped online. CSR toldme I had been denied when I called in using the backdoor number. I asked her for a recon, she put me on hold for about 2 mins and came back with the YES for 1k!!!. I also got approved for 2k CL Discover More card last week. I think I am pretty set on CC's for now so long as these cards give steady CLI every 6 months or so. I also canceled my Orchard card this week. I just refuse to pay $40 a year for a measly $400 CLI with a perferct track record with them. But it did it's job and it was time to bury it. But here is my credit breakdown: Military Star: CL: 6600 Bal: 0 AF:0 Capital One: CL: 1500 Bal: 215 AF: 40 Discover More: CL:2000 Bal: 0 AF: 0 Chase Freedom: CL:1000 Bal: 0 AF:0 Tell me what you guys think! Also my EQ score is now a 679, just haven't updated it in my sig yet. This forum is the best. Don't know what I would do without it!
Categories: credit-cards Tags: backdoor, chase-freedom, credit, day-message, discover-more, forum, freedom, military-star, morning, orchard, perferct-track, these-cards
New York & Company
New to this forum. I have learned a lot and have made significant improvement in my credit. EQ FICO is 741 2/27/10 TU FICO is 696 1/31/10 I applied for a NY&C card yesterday and got a 7-10 day notice in the mail. Anyone has had this message before? Sounds like a denial. Help
Categories: credit-cards Tags: card-yesterday, credit, fico, forum, message, sounds
Luv buttons
I'm just curious, it may have already been asked but what is a luv button? I see that term thrown around a lot on the forum. This is no joke, when I first saw some postings about it, I logged on to some of my accounts and was searching for a button with a heart on it. :smileytongue: What exactly is it? A link to request for a CLI and only certain people get it? Thanks! I have some new credit, waiting to see if I can get a CLI on them. Didn't know what I was suppose to be looking for when I logged on to my accounts.
Categories: credit-cards Tags: Accounts, been-asked, certain-people, forum, luv-button, new-credit, some-postings, term-thrown
Pay down debt to 29% or increase credit ?
Hi Fico Forums- I've been working on my credit for 10 mnths. now and thanks to this Forum I've- increased my Fico scores( 610EQ to 696EQ AND 631TU to 725TU), and 596EX to 696EX- and I've increased my credit, from 0 to $40K:smileyvery-happy:. I apped for quite a few cards and was approved for-Premiere MC($350),Secured WFNB Visa($1K),HSBC Discover($300),NFCU Flagship Visa(10K),Nfcu GoRewards(1K),NFCU NAV Chek LOC(15K),Sears(1K),JCPenneys(1K),Macys($400),Amex Delta Skymiles(2K)-got some CLI's,NFCU Visa(10K to 12.5K)-Sears(1K to 5.6K)-JCPenneys(1K to 2.8K)-and since I had to relocate for work(NYC to Miami), have used my store cards and NFCU a lot-am now up to 44% utilities and am now paying it down aggressively($2K/Month)-I have a little xtra coming in this month(3.5K) and was going to pay 5.5K towards my balance which would put me @ around 29% utilities OR was thinking of ADDING to my WFNB Secured Visa,bringing it to 4.5K,( in hoping that when my Secured card graduates I"ll have a higher CL), which would bring my utilities to only 37%- obviously I want to have a higher CL with my WFNB Visa. Any suggestions?:smileywink:
Categories: credit-cards Tags: balance, balance-which, delta-skymiles, flagship-visa, forum, nyc, paying-it-down, secured-visa, wfnb
Foreclosures topic of Cheviot forum
Foreclosures topic of Cheviot forum
The foreclosure crisis is still a crisis.
Read more on Community Press & Recorder
Categories: mortgage Tags: Cheviot, foreclosures, forum, topic
Housing Forum Being Held Today
Housing Forum Being Held Today
The Canadian Homebuilders’ Association-Eastern Newfoundland teams up with the Canada Mortgage and Housing Corporation, today for Housing Forum 2010. Association CEO Tanya Ennis says ‘Building Business’ is the theme of the event.
Read more on Voice of the Common Man
The Observer forum: Letters to the editor
The Observer forum: Letters to the editor
Forum writers Bob James and Chris Lombard seem to believe that Bank of America leaders are fine, upstanding citizens.
Read more on The Charlotte Observer
Categories: home insurance Tags: editor, forum, letters, Observer
BAD APP -GOOD APP. ?
Got my OM @ 2 a few days ago after returning my Imagio. OM 2 great phone and has been easier to use with help o f GEE and Hammer on this forum. (Thanks) Anyway just thought I'd start a new thread that would get all out there that have there favorite apps or for that matter the not so favorite. I'm looking for a good weather app. Possible one that would constantly keep up dating it self. I drive about 750 miles every day and really don't want to keep punching the phone for a new city so the weather could be updated.Also a good Wifi app for locations strength....Any others out there.
Categories: Xmas Tags: been-easier, dating-it-self, forum, good-weather, great-phone, keep-punching, matter-the-not, phone, the-weather, weather
Credit Card Activation
Hi, i have a question about credit card activation. My credit isn't so good right now (mid-high 500s a month ago), but thanks to the people on this forum i've been working hard the last month. I've gotten 3 PFDs and 4 GWs, and alot of old collections will fall off this year. All that being said, I applied for a First Premier credit card (before reading about them on this forum, unfortunately). I just got the card yesterday in the mail. I haven't paid them a dime so far. The paperwork that comes with the card says I need to pay a $30 fee to have access to the $300 credit limit. Does this mean if I don't pay the $30 that I can cut the card up and throw it away? The "bill" i got in the mail (seperate from the card) says I owe $75, for their annual fee. When i called them, I got a recording that says if i don't pay the $30, that my card offer will expire in April. I'm just worried that they will bill me for the $75 annual fee, even though I haven't used it, and it will show up as late on my credit report even though I never activated/used the card. I don't want to call them and talk to a person, because I assume they will lie to me to get me to pay them the $30. Should i just say screw it, pay the $$ and NEVER use the card? Just to have a credit card show on my credit report? I also have an Orchard Bank card coming in the mail (unsecured) and hopefully a Citi secured card. Sorry this was so long-winded!!! Ryan
Categories: credit-cards Tags: card, credit, credit-card, first-premier, forum, from-the-card, hard-the-last, never-activated, old-collections, orchard-bank, people
Nokia N86 firmware version 11.043 released – Changelog in tha house
A new firmware update for the Nokia N86 is available. The new firmware version is v11.043 and you can download it from NSU ( Nokia software update) or OTA.