Tropikal Tracker

Re: Trying to cancel subscription for two days!

Tropikal — Mon, 28 Jan 2013 20:58:41 GMT

I also tried to Cancel today , you can not cancel online or over email.. Only over the phone and Monday to Friday from yada yada... and after holding on the phone forever and this young lady asking me everything that I could possibly be asked, found one reason to say Sorry Sr.. but I have to end this call due to you not being able to verify your address from 2003. For 2003? and we are 2013, 10 years ago? **bleep**! what is wrong with these people? That conversation did not ended well... so f***ing pi$$ed!...

Re: Give Capital One some Credit

Tropikal — Wed, 01 Feb 2012 21:02:01 GMT

LS2982 wrote:
They are good for rebuilding credit. After that, find another lender.

Re: Garden Club Meeting - February 2012

Tropikal — Wed, 01 Feb 2012 20:31:55 GMT

tinuviel wrote:
Tropikal wrote:
Hello Gardeners,
I'm fairly new to gardening and I'm looking for some fertilizing advice..
Im my garden so far..

1-Discover More -1700 (New just from few days ago)
2-Cap 1 Platinum - 1300 (Almost 3 years, don't want to grow much.. That's why the new additions)
3-HSBC - 1000 (New just from few days ago)

By the end of 2012 ALL my INQ will fall off , except the two new above, My score took 2 points ding at least on EQ by those two INQ's, I guess I could live with that. But I need to be aware of the limits, It took me long time to get here post BK7.

Question: Can someone elaborate on the "Soft Pulls" is there a way that I can control those? I know the CC will automatically review your account for that every so often, is there a way I could initiate a CLI and be a Soft Pull? Not planning to do so now, since there are just planted, but for future reference.

Question: How many INQ I or someone could do, without hurting your scores too much and without looking riskier?

Thanks

Hi, Tropikal -- welcome to the club!

Some card issuers will allow you to initiate a CL increase with a soft pull, some don't. Regarding your Cap1 card, they don't allow customer initiated CLIs at all. You'll just have to wait and see if a miracle occurs and you get an auto CLI. It's rare, but it can happen. I got one last year and about fell out of my chair, LOL!

My DH has an HSBC backed card and got a CLI recently with a soft pull. If you call them and request one, make certain that you inform them that you give authorization for a soft pull only.

As for Discover, first of all, congrats on the approval! This is a nice card that should grow with you over time. I believe that they'll auto CL you from time to time. As for a customer initiated increase, I'll have to let others chime in on that. I'm not sure if they pull hard or soft.

I'm sure that you'll get plenty of other responses here. This forum provides a wealth of information that's shared by its members. Best wishes as you grow your garden!

Thanks for the info, Cap one is not helping that much, Low CL almost no CLI's.. I'm really glad I got the Discover and looking forward to nurture that baby!

Now I'm Itching to see what else I can add to the garden that will provide me some sweet fruit in the future..

Re: Garden Club Meeting - February 2012

Tropikal — Wed, 01 Feb 2012 18:56:13 GMT

Hello Gardeners,

I'm fairly new to gardening and I'm looking for some fertilizing advice..

Im my garden so far..

1-Discover More -1700 (New just from few days ago)

2-Cap 1 Platinum - 1300 (Almost 3 years, don't want to grow much.. That's why the new additions)

3-HSBC - 1000 (New just from few days ago)

By the end of 2012 ALL my INQ will fall off , except the two new above, My score took 2 points ding at least on EQ by those two INQ's, I guess I could live with that. But I need to be aware of the limits, It took me long time to get here post BK7.

Question: Can someone elaborate on the "Soft Pulls" is there a way that I can control those? I know the CC will automatically review your account for that every so often, is there a way I could initiate a CLI and be a Soft Pull? Not planning to do so now, since there are just planted, but for future reference.

Question: How many INQ I or someone could do, without hurting your scores too much and without looking riskier?

Thanks

Re: HSBC Platinum and Discover More Approved Today

Tropikal — Tue, 31 Jan 2012 03:33:51 GMT

I read that somewhere else too! But not so concern with that, I just glad that pretty much double my CL LOL and that is not including the Discover which I don't now the CL yet.

HSBC Platinum and Discover More Approved Today

Tropikal — Tue, 31 Jan 2012 03:17:00 GMT

Today has been a great day for me.. I sign for SW and got my EQ CS of 663. It was about 20 point increase from last month. WoooHooo!

Then applied to HSBC Platinum (Pre-Screened Offer) I usually throw those right away, but since my Cap 1 has been with the same CL for the last year I decided to start looking somewhere else. Got approved for 1K with HSBC. And also applied for Discover More Card that I wanted for a long time, And got the approved and the Welcome to Discover message.. Don't know what the CL is but for now I'm really happy that things are starting to look better for me.:smileyvery-happy:

I'll see what the dings does to my CSS.

Is there a way I can find out what they pull and the scores? If I call them do you guys thing I'll get that info? May be I can use that to update my missing scores below :smileywink:

Thanks

Re: Fico Fitness Siggy

Tropikal — Mon, 30 Jan 2012 22:13:04 GMT

MarineVietVet wrote:
Tropikal wrote:
Same here!, can you share what you did to fix it?

There ya go. It's fixed.

Thank You! Sir. :smileyvery-happy:

Re: Fico Fitness Siggy

Tropikal — Mon, 30 Jan 2012 21:25:48 GMT

Same here!, can you share what you did to fix it?

Re: IRS Lien Removal

Tropikal — Mon, 30 Jan 2012 21:24:04 GMT

winstars wrote:
Tropikal wrote:
I would like to see others comments on how this improved their CSS. Very few have said how much this has helped their credit scores and the ones that did said, said it wasn't for much 6-20 points.

I do have two paid IRS liens, both released in 12/11, and I'm going to request withdrawal as stated on this tread for sure, I need every little point I can get :smileywink:. But just makes me wonder if is worth the effort to have it withdraw.

Anybody seen the scores jumped by doing the IRS Lien Withdrawals?
I got mine off and saw a minor score increase, others have seen bigger jumps. The big thing to me is that itget a major negative off your reports, the "0% of our high scoring people..... had a public record on their credit report" that we see here on myfico CR's... It is totally work the since the effort consists of filling out a couple of forms and buying some stamps. Getting any and all "baddies" off my reports is allways my been my goal.

Thanks, every little increase counts, and like you said getting those "baddies" out are also important even is doesn't increase CS.

Re: Take the FICO Fitness Challenge for 2012!

Tropikal — Mon, 30 Jan 2012 20:43:10 GMT

Finaly decided to take on the fico chanlenge 2012, sorry don't have current scores yet, waiting to get home,

I really hope I can get my scores to my goal this year, I may seen pretty steep but I'm commited and there is no going back. Thanks MyFico forums for such a great informational forum.

A little about my CR stuff..

BK7, discharged on 7/09

Two IRS Liens, Released :smileyfrustrated: But not withdrawn

One CC, 50% Util, 1.3K CL

One Car Loan, Since 12/10, Paid as agreed.

My Plan this year is to;

1- Would like to remove the Liens from credit (Not sure how much this will help)

2- Reduce my utilization to under 9%

3- Increse my CL to 2-3K (Meay be additional CC?)

4- Continue to pay all bill on time.

Will see how it goes.. wish me luck.

Re: IRS Lien Removal

Tropikal — Mon, 30 Jan 2012 19:59:45 GMT

I would like to see others comments on how this improved their CSS. Very few have said how much this has helped their credit scores and the ones that did said, said it wasn't for much 6-20 points.

I do have two paid IRS liens, both released in 12/11, and I'm going to request withdrawal as stated on this tread for sure, I need every little point I can get :smileywink:. But just makes me wonder if is worth the effort to have it withdraw.

Anybody seen the scores jumped by doing the IRS Lien Withdrawals?

Re: Chapter 7 already discharged - mortgage not reaffirmed - foreclosure/credit score question

Tropikal — Fri, 27 Jan 2012 00:13:24 GMT

Sorry for sticking my nose in this tread, I'm in similar situation, I did BK7 then the mortgage lender forclosed on the property since I did not wanted to reafirm nor pay. It shows on the CR as a "BK Chapter 7". So my question is when you apply for a new mortgage is that consider BK, Forclosure or Both? I ask because I'm trying to find out how long will need to wait before applying again since the two dates of the BK7 discharge and Foreclosure are long apart.

Thanks

Re: Would I be able to get an FHA mortgage?

Tropikal — Thu, 26 Jan 2012 23:39:11 GMT

Hello Samy2576

I'll try to help out, I'm not an expert by any means, but could point you to some information that can be helpful to you.

Your Credit Score should be good for an FHA, Downpayment of 10% seems OK (50K/5K=10%).

Go to http://www.fha.com/calculator_afford.cfm and punch in your numbers to find out your "Required Salary" .Also make sure you meet the FHA debt ratios from here. http://www.fha.com/fha_requirements_debt.cfm

Looks like you should be OK to me, Im also looking into an FHA..

Good Luck

Re: Mortgage after Bankruptcy

Tropikal — Wed, 25 Jan 2012 19:07:33 GMT

Thanks StartingOver10 for your information very helpful.

Re: Mortgage after Bankruptcy

Tropikal — Tue, 24 Jan 2012 22:02:08 GMT

StartingOver10 wrote:
Did you own property in the BK? If so, what was the disposition of that property?
This is a major factor in determining the time period for which you are eligible for a new mortgage.

Hello StartingOver10,

Im looking for the answer to your comment here. I discharged (surrendered) my home on BK7 3 years ago and was forclosed soon after. I would like to know when can I start looking for a home. Also if you have any links to this info will be great. Thanks

Re: Any lenders who use BK File date instead of Discharge date? Our dates are 2.5 years apart.

Tropikal — Tue, 24 Jan 2012 21:44:37 GMT

Just trying chip in here, I do believe most lenders will use the "discharge date" specially for mortgages. In your case the latest will be Sep. 2011. I'll let other chip-in if Im wrong.