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since
10-31-2009
11-16-2015
cajunboy2208
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54
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08-09-2013
01:19 PM
trying to buy the Score Watch. After I fill out the information for my card, and click on Make Purchase Now, the next screen does not load. I am trying to get a loan today, and all I have to go off of is my Credit Score from Walmart, which I know is nowhere near accurate. Please fix this issue.
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08-06-2012
12:18 PM
Yup, I tried this today. Got a nice welcome being a member with them for over 3 years as soon as they I gave them my card number. Asked for a CLI, since I never asked for one from them before since I planed on closing this card out by the end of the year if something didn't change. He said sorry, denied.... oh well, just one less card in my pocket. They are just garbage IMO
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04-09-2011
08:48 PM
Hancock Bank Its a southern region bank... Been with them for over 8 years.
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04-09-2011
02:04 PM
I plan on going through my bank. I am just trying to erase my debt completely and save about $400 a month. I currently have a loan from my bank. Originally was 3000 borrowed in August on a signature loan, I owe less than 500 now, and will pay it off on the 15th. I would like to get another signature loan from them, for $10,000 over 7 years. I am not sure if they will go that high with me, I am positive I can get 6,000 though. My fico is only 632. The only 2 negatives I have are from 06, which are medical. I have 2 car loans out, remaining balance is $15000 About $2000 in credit card debt over 5 cards. And 3500 in student loans(so far), which arent due until I complete college in another 2 years. My income isn't much anymore since I quit working in the plants to attend college. I am only making about $1600 a month. So, your thoughts?
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11-13-2010
06:25 PM
Yes I did have a PROMO Code. Do I need to cancel my account and resubscribe?
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03-12-2010
03:24 PM
I would assume it will hurt more than help. That one account has more history than my entire portfolio has. I wish I had that kind of history.
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01-31-2010
01:05 PM
I understand that clearly. Cleared up a lot. Thank you for the input OSU. I will follow your advice =)
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01-29-2010
06:59 PM
I have 2 auto loans, and 4 credit cards. All have been paid on time each month.
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01-29-2010
06:43 PM
I am in the rebuilding stage. I was wondering what would have a quicker impact on my credit score. Depositing money into a savings, and taking out a loan against it. Or, depositing money into savings and getting a credit card? It has to be secured =(
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11-21-2009
06:04 AM
@Barry wrote: @cajunboy2208 wrote: No, nothing else has been added onto my report thus far. So, my account will not update weekly? Only when I have a change in my report and/or score changes? That's right. Your score will be monitored weekly for score changes (daily for credit report changes). If it reaches or crosses your target you'll be alerted. If not, you won't. Ohhh. I understand now. Thank you for clearing that up.
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11-20-2009
01:48 PM
No, nothing else has been added onto my report thus far. So, my account will not update weekly? Only when I have a change in my report and/or score changes?
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11-19-2009
03:45 PM
A new account that was on 11/8 Still, no weekly update. Which was due on the 15th. It is now the 19th. I pay for weekly updates. Please, update my account. Thank you.
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11-18-2009
03:47 PM
Sunday would of been a week. I figured I'd wait until Monday, got busy until today. I check, and still no weekly update of the score. This is just my second week of the product use and I must say, so far I am very dissapointed. I thought that since myfico.com would be the only place you could view your fico scores, they wouldn't settle for anything less than perfection. Please... update my account. Thank you.
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11-15-2009
12:43 PM
@DI wrote: @cajunboy2208 wrote: Yea mine is 400 as of now, next month I am going to ask for at least a 300cli bringing the cl to 700, or I am dropping them. I have 4 other cards now, and don't necessarily need them, esp since they have an af of 96 on me. Why not ask for $3000 since you will drop them if they do not give you a CLI? Go out with a bang! Because I am trying to at least get it. I don't think anyone with HSBC has more than a 1500 cl. Or that I have seen in here anyways.
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11-15-2009
12:27 PM
Yea mine is 400 as of now, next month I am going to ask for at least a 300cli bringing the cl to 700, or I am dropping them. I have 4 other cards now, and don't necessarily need them, esp since they have an af of 96 on me.
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11-15-2009
10:46 AM
You can click it, it will say to contact a CSR, or it does on my webpage anyways. I called them once for a CLI, and they gave it to me without a hard pull, but it was only 100 cli
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11-15-2009
10:44 AM
Pay off debt. Help family/friends Buy some land and build my own house. Start my own business (something simple, such as a car dealership) Invest. Go to college. Donate.
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11-15-2009
08:14 AM
Call them (800) 455-8026 Tell them it should of been deleted awhile ago, but it is still on there. It should be that simple, unless they are showing that it wasn't paid for some reason. And then if that happens, call the creditor inwhich you paid it off. Ask for the account number and such. Then you will have to call COLLECTION CO OF AMERICA back, and tell them to contact the creditor in which you paid off the collection, and give them you account number for them. And it should be settled.
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11-13-2009
01:48 PM
You were accepted to receive the offer. Not accepted to get the card. They will still do a CR pull. I got one of those from CreditOne, and got approved though. Also, I have a BBMC as well... I think they accept just about anyone.
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11-12-2009
04:17 PM
The CA could of returned the collection to its original collector. I have had that happen. And it hasn't come back yet, it was suppose to be on my record until 2011. So I just left it alone. Raised my score by 6 points also =)
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11-11-2009
01:18 PM
Sometimes you have to stop being polite and get serious. Not necessarily yelling in the phone. But give them a straight foward tone. I would demand to speak to their manager, I am sure they would then say our apologizes, we deleted it right now... wait a few days for it to show on the report.
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11-11-2009
01:16 PM
I If you are sure it is yours, call them and do a PFD. I did, it was off of my report within 4 days. Think they said it could take up to 10 business days however.
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11-11-2009
04:23 AM
Last year I was approved for an auto loan through a CU for an 05 f-150. I had several negatives, I think 6 at the time. Only 1 positive, which is a current car loan, but I had a co-signer. The truck I di don my own. Credit score was 480, I had 0 down payment. Got approved for the loan of 12500 But also with approval came 13.99apr. So yea, very possible. ESP with a down payment!
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11-10-2009
12:03 PM
46 points. Because I PFD an old bad account. Stayed the same on TU Dropped 46 on EXP and gained 24 on EQU
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11-10-2009
12:00 PM
Seems to be 50/50 on the love/hate ratio. I am kind of surprised, I figured more people wouldn't like their jobs. Good to hear that people do like their jobs AND it has good pay! I think at the end of this month I will be quitting and going back to what I love, but will take a big cut in pay. (close to 50%) It might just force my other half to get a job, lol.
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11-10-2009
07:05 AM
I got the same letter in. I didn't think I would make the cut. My score is 636, with 3 negatives. I went ahead and applied, and got approved. Not sure what the CL is, I just did it on Thursday and I am awaiting the card in the mail. So yes, I am sure you will get approved. They do pull all 3 CR though.
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11-10-2009
07:01 AM
Just curious to see how many people are in the same situation I am in. I hate my job, but I like the money. I can't just switch careers and do something I would enjoy and make the same, without having to go to school. So, are you forced to stay at your job because of pay?
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