Ms_Pooka Tracker

Re: NFCU Cli

Ms_Pooka — Sat, 26 Jan 2013 06:49:40 GMT

oops! I meant to post this on the credit card board :smileyembarrassed: can a mod move it?

NFCU Cli

Ms_Pooka — Sat, 26 Jan 2013 06:48:48 GMT

I get so much help from you all that I wanted to share... I opened the cash rewards card at NFCU in October. They gave me an initial CL of $500. I requested a cli last night of $5000 online, and got the 72 hour message. When I logged in today, they had raised my limit to $3000! I'm rebuilding right now, so this is my highest limit at this time.

Re: Garden Club Meeting - October 2012

Ms_Pooka — Tue, 30 Oct 2012 23:21:52 GMT

Well, I posted a few days ago that my app for Chase Freedom was my last hurrah before the garden. The denied me, even after a recon. I had a BK discharged last year and have only had one credit card since then, so she said that they needed to see the two cards I have now handled well and then I should reapply. I did however recieve a tiny $150 Lany Bryant card, so I am now officially done apping and into the garden. I really want to buy a home next year, so I am so grateful to find the support here to make good credit decisions.

Another question is I wonder why I can't see my seedling in my signature?

Re: Garden Club Meeting - October 2012

Ms_Pooka — Tue, 23 Oct 2012 21:34:21 GMT

Hello! This is the beginning of my gardening since I did my last app for Chase Freedom today. I am 1 year post bk with 3 credit cards and a small car loan. My goal is to qualify for a mortgage next year for myself and my daughters! Right now my cards are at 40% Utilization, and the plan is to pay them all down to less than 10% by January so that my score can grow. Thanks for all of the help and support found here...

Re: Cap One Platinum w/ Rebuilding

Ms_Pooka — Mon, 22 Oct 2012 17:55:44 GMT

Same here, I started at $300, then an increase to $500 six months later. Now nothing...So I went back and did the prequal and got the rewards card with $1000 CL and 0%APR....I don't know what their deal is. But the new card also comes with a 6 month credit increase. Go figure.

13 point increase!

Ms_Pooka — Mon, 22 Oct 2012 17:53:22 GMT

Just wanted to share that lthis month I brought my credit card Util to 35% from 80% and got a 13 point boost to 625! This is totally because of this board, before I was just paying on time each month and not understanding that the utilization was what was killing me! Next month my newest (and last) credit card show start to show and I'm hoping that will give another boost as well.

In one month I've gone from 574-625! It's totally like a game of tetris, and I aim to win! Thanks for all the info so far folks

Re: Question about statement and due date

Ms_Pooka — Tue, 16 Oct 2012 20:19:16 GMT

I had a question about this before as well. you can pay any time between the statement date and the due date. But what you want to do is pay down as much as possible before the next statement is generated. For example, my due date for October was the 15th. so I paid the minimum 25 due. However, in order to show low utilization on my CRA, I paid another 50 before the next statement came out on October 19th. So that way, the CC only shows a low amount of usage...

Re: Score watch updating?

Ms_Pooka — Mon, 15 Oct 2012 18:09:45 GMT

thanks!

Score watch updating?

Ms_Pooka — Mon, 15 Oct 2012 17:18:30 GMT

good morning from the west coast! Quick question about scorewatch. It has the score up from the 10th, today is the 15th. In that time I have had payments post to bring down my utilization and my new card with the highest balance also had a statement cut. however score watch only gave me the option to "Buy today's score"? does it not automatically update? and if so, how often have you guys seen it update itself? I thought that was the whole pointof me paying for the service...

Re: I'm going crazy!

Ms_Pooka — Thu, 11 Oct 2012 18:28:36 GMT

Good luck on your road to rebuilding. i am one year out from discharge, and finally seeing a light at the end of the tunnel.

Re: This Board Seems like it's Filled with People That...

Ms_Pooka — Wed, 10 Oct 2012 21:40:15 GMT

I personally knew once I filed bankruptcy it would be a two year journey to be able to buy a home. No quick fix. And now that I am one year away these boards have been a wealth of knowledge I haven't seen in other places... I agree with the others that say you probably shouldnt generalize. good luck to you!

Ordered Score watch...

Ms_Pooka — Wed, 10 Oct 2012 21:36:23 GMT

today! I was excited to see that my Fico score was actually higher than what I thought it was! I can see that it is quite easy to get addicted to checking that score everyday and playing with the simulator. Thanks to you all for reccomending it as a good resource.

Re: Intro and homebuying question

Ms_Pooka — Sun, 07 Oct 2012 06:37:09 GMT

Thank you! I think since I have those three cards, I am done applying for anything. Im praying for that last 70 points to come over the next year with good payments and low utilization. I appreciate the advice.

Re: Intro and CC statement question

Ms_Pooka — Thu, 04 Oct 2012 22:25:42 GMT

Thanks to you both, I just looked at it it seems liek my due date is the 15th and statement date is the 18th, So I'll PIF on the 15th.

Intro and homebuying question

Ms_Pooka — Thu, 04 Oct 2012 21:56:33 GMT

hello! I have been lurking around for a while, you guys have great information. My question is about buying a home. MY BK chapter 7 was discharged October 2011, I am one year out and have the following:

Cap1 with $500 CL (started October 2011)

Cap1 car loan for 10k (started June 2012)

and just recently I applied for and was approved for two more cards

Cap1 rewards $1000 CL (Oct 2012)

Credit1 CL $300

My question is, do I need any more credit? I know I need to keep my total usage under 10%, but is the 1800 plus the car loan enough to show that I can manage it? My goal is to buy a home next October at the end of my two years post discharge....

Intro and CC statement question

Ms_Pooka — Thu, 04 Oct 2012 21:27:59 GMT

Hello all! I have been lurking around the boards for a few weeks and gaining alot of knowledge! My question is about when to pay my CC so that it does not report a balance to the credit bureau. I have read that you need to pay before the statement "cut date"? Is this the same date that the statement is posted? Or another date before that? Thanks for any advice!