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$8 a month for Experian score and report. Is it a FAKO score? Is the report a full, real report? Might be worth it, even if the score is BS. Opinions?
I’ve heard that having a card from Orchard Bank on your report can work against you when you apply for a CC later on with a major issuer. Is this true? Also, I requested a card design from Household that had a cat on it. They sent me one with a dog instead. :smileysad:
I declared BK7 in 04′, and included an account from Citi and BOA. Now, I have re-established with very low 700 scores and no revolving debt. My seven year stent will be up next year and all my BK’s accounts will be gone. Will Citi or BOA approve me? I know that Chase and Amex will not consider you until the actual BK is off your report. Anyone have recent experience?
Been reading the forums for quite awhile but this is my first post. I had a secured cc from BofA that unsecured in April 2009 with a total CL of $1500. I want to ask them for a CLI but am nervous about AA (I have a few late student loan payments from four years ago on my report) so was wondering if BofA ever does an auto CLI? I was given a $500 CLI when my card graduated and PIF each month (or have a max of $100 report). I nearly max out the CL each month running things through to show usage but always make sure to pay it off before it reports. My scores are currently 661 and 664. In addition I have the BB RZMC and my student loans – no mortgage or car loan. Any suggestions? Thanks!
Yippee! This is my first ever CU card and I know CUs are pretty conservative lenders, so I feel this is the real proof of how much my scores have improved in the past few years (in Feb. of 2007 my EQ was 586). The loan officer wouldn’t give me an exact number for some reason, but he said my EQ score was between 700 and 725. TU and EQ are finally both over 700!!! Other info: I asked if they could use the credit report they pulled for membership 2 weeks ago. He said no, because membership pulls EX “Pinnacle score”. I found that interesting because when I initially got turned down for membership online due to a security question mixup, it said to contact EQ for a copy of my report. The only financial info he asked for was my income and my rent. After running my report he then asked for 2 pay stubs. While I was on hold, he sent me an email so that I would have his contact info, and he said it was perfectly acceptable for me to email him back with the PDFs of my last 2 paystubs. Ooh, high tech, no waiting. :smileyhappy: I asked for $5000, they countered with $2500, so CapOne is still my highest limit at $3000, but I’m not complaining. It’s only been a year and a half since my first card from Orchard had a $300 limit.
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Recap: Started rebuilding in ’07. Have some baddies- tax lien (comes off in 2013), 2 hsbc chargeoffs (come off in 9/10), + some student loan lates (working on getting deleted b/c they weren’t late). No new baddies since 2003-2004. Ficos are in mid-high 600s. AAOA is 2-9 years depending on the report. Here are ccs I have: Date acquired/cl 3/07- orchard- 800. Only 1 CLI in nearly 3 years. AF= 79, but last year, they lowered it by 50%. ’08-’09 (most acquired in 08, so coming up on the 2 yr mark)- BA 99/500- 500- won’t unsecure b/c of the tax lien from 2003 Best buy mc- 650 Cap 1- 1100 Cap 1 #2- 1100 Hooters- 700 Target- 200 CCS I will get in 2010- USAA secured (app is on its way to me- I will put the max $1.5k down), NFCU secured (if I can’t get the unsecured). Other tradelines: First premier- 2 accts, all positive, closed in 2009 (2 yr mark) Orchard- all positive, closed in 2009 (consolidated w/the 1 I’m now discussing) Auto loan- positive, but going to drop off totally in 2010-2011 So…should I close the orchard cc or suck it up + pay them another $79 (or try to get it 1/2ed or waived) AF?
I was declined last year for the Schwab Invest First card. I have an inquiry from FIA (the parent company) from 04/2009. I really want this card, and think I should get approved for it now, but I’m wondering if I need to wait for the inquiry to drop off first. I was thinking maybe I should wait til April when the inquiry is a year old, but it will still be visible on my report of course. What do you guys think? Go for it this year? Or wait another year?
I have been working on my credit for about a year and a half now. I just bought a house 2 weeks ago. My mid score was 661. I believe my other two scores were 685 and 659. I have a car loan with Chase (I got it May 2009 – originally $24,500 at 7.5% that now has a $21,500 balance or thereabouts) and my mortgage MAY get sold to them (or Wells Fargo) in the next month. I have a credit card that I got in October 2008 (Continental) and I pretty much feel it has done the job and I want to get rid of it soon. I hate making $18 a month payments for service charges on top of the annual fee plus a fee every time they up my credit limit every 6 months (I pay $25 to get a $75 CLI). Should I apply for a Chase card? Should I wait for my mortgage to hit? I am ok with waiting 6 more months if necessary but I reallly want a “normal” credit card soon. I have been getting offers left and right for cc with a $39 annual fee which is much better. I have just been hoping to get rebucketed and have no annual fees if possible. I know I have a lot of inquiries on my report right now due to mortgage shopping. I am not willing to keep keep paying this 2 more years while they all fall off.
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