Reply
Member
powellfamily2009
Posts: 15
Registered: ‎09-08-2012

Re: Kinda Bummed...:(

I stand corrected on the Orchard Bank site. Just went back to get that link and realized that site was only to login and manage your account. VERY sorry about that. The AMEX prepaid DOES NOT report, but they keep track in house. I was told that generally after 12 months the goal was to move people that demonstrate that they have desposable income (shown by having money deposited regularly) and never have declines on the card into an AMEX charge card. Plus aside from the little "pre paid" emblem on the R-side of the card, the thing looks almost exactly like a regular AMEX card. Not that something like that should matter, but lets fact it; it does....lol. Sorry again about the Orchard Bank thing.....

Trans FICO = 660 (01/6/2013) Equifax FICO = 654 (01/6/2013) Experian PLUS = 656 (1/6/2013)
Wallet = AMEX Prepaid with $300 every 2 weeks deposited, Cap One (Formerly Orchard Bank) $500 CL in SOCK-DRAWER, Credit One Bank Visa $1000 CL in SOCK_DRAWER, Discover Matrix $300 CL in SOCK_DRAWER, Fingerhut Charge Account $300 CL in SOCK_DRAWER, and Barclaycard MC with $1300 CL
Goal.....To break 750-775 by the end of 2013
DId not reach my 2012 Goal of 700... :-((
Member
powellfamily2009
Posts: 15
Registered: ‎09-08-2012

Re: Kinda Bummed...:(

Also Rhaeny....

 I noticed there seems to be a big spread in your scores. Almost 100 points if memory serves..... Whats up with that if you don't mind me asking? Have you looked into that at all. I just noticed my Experian was a good deal lower yesterday than the rest and found out they were reporting a lot of stuff different and incorrectly. Just throwing that out there. 

Trans FICO = 660 (01/6/2013) Equifax FICO = 654 (01/6/2013) Experian PLUS = 656 (1/6/2013)
Wallet = AMEX Prepaid with $300 every 2 weeks deposited, Cap One (Formerly Orchard Bank) $500 CL in SOCK-DRAWER, Credit One Bank Visa $1000 CL in SOCK_DRAWER, Discover Matrix $300 CL in SOCK_DRAWER, Fingerhut Charge Account $300 CL in SOCK_DRAWER, and Barclaycard MC with $1300 CL
Goal.....To break 750-775 by the end of 2013
DId not reach my 2012 Goal of 700... :-((
Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

Re: Kinda Bummed...:(

[ Edited ]

powellfamily2009 wrote:

Also Rhaeny....

 I noticed there seems to be a big spread in your scores. Almost 100 points if memory serves..... Whats up with that if you don't mind me asking? Have you looked into that at all. I just noticed my Experian was a good deal lower yesterday than the rest and found out they were reporting a lot of stuff different and incorrectly. Just throwing that out there. 


Ha!! It's that skanky Experian!!! Those idiots! I am fighting that right now.  I have two accounts from CU's that are not showing IIB and posting 180 days late or KD for 5 1/2 years.  I am so ready to explode.  If these accounts were corrected I would have to see one heck of a jump in scores.  But yea I'm working on it....slowly and painfully but working on it.

 

Oh and some of the same accounts on Equifax and TU are reporting zero balance and IIB but oh noooooo.....not EXP!


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | Amex Delta ($10K)
Store CC's -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014
Moderator
Shogun
Posts: 10,956
Registered: ‎04-15-2011

Re: Kinda Bummed...:(

Experian is my least favorite too!


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Going for Wade64's RUDY Spade!
Established Member
MzCharming
Posts: 18
Registered: ‎08-16-2012

Re: Kinda Bummed...:(

Hi Everyone!!!

 

I am sorry that I am just now repying to all this! 

 

First off, I have not gotten any offers in the mail just yet.. :/ Just had my 341 meeting and I am In the process of waiting on alot of my information being updated with the CBs. 

 

I just applied for a PNC secured card and I am waiting to find out the status of that. Maybe another week or two. 

 

Right now, I have no new credit and I am not even sure where to look. I have tried BOA (denied secured) First Premier (denied), Cap One Secured (denied) I don't know who else to try,  If anyone has any addl information. Please let me know. 

 

 

Thanks!

ANW

Starting Score: TU: (401) EQ: (417) EX:smileysad: If Only I knew...)
Where I Am: TU: 415 EQ: 420 EX: (Still in the Dark)
Goal Scores: 650
Chapter 7: Discharged 11/2012
Wallet: NFCU: 500 Secured OPENSKY: 300 secured
Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

Re: Kinda Bummed...:(


MzCharming wrote:

Hi Everyone!!!

 

I am sorry that I am just now repying to all this! 

 

First off, I have not gotten any offers in the mail just yet.. :/ Just had my 341 meeting and I am In the process of waiting on alot of my information being updated with the CBs. 

 

I just applied for a PNC secured card and I am waiting to find out the status of that. Maybe another week or two. 

 

Right now, I have no new credit and I am not even sure where to look. I have tried BOA (denied secured) First Premier (denied), Cap One Secured (denied) I don't know who else to try,  If anyone has any addl information. Please let me know. 

 

 

Thanks!

ANW


You need to clean up your credit reports first to make sure everything is reporting accurately.  Until then you are wasting hard pulled inquiries that are bring your scores down even further.  


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | Amex Delta ($10K)
Store CC's -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014
Member
powellfamily2009
Posts: 15
Registered: ‎09-08-2012

Re: Kinda Bummed...:(

I couldn't agree with Rheany more. Try the AMEX prepaid and clean up your credit after your plan is confirmed in BK. 

Trans FICO = 660 (01/6/2013) Equifax FICO = 654 (01/6/2013) Experian PLUS = 656 (1/6/2013)
Wallet = AMEX Prepaid with $300 every 2 weeks deposited, Cap One (Formerly Orchard Bank) $500 CL in SOCK-DRAWER, Credit One Bank Visa $1000 CL in SOCK_DRAWER, Discover Matrix $300 CL in SOCK_DRAWER, Fingerhut Charge Account $300 CL in SOCK_DRAWER, and Barclaycard MC with $1300 CL
Goal.....To break 750-775 by the end of 2013
DId not reach my 2012 Goal of 700... :-((
Established Member
MzCharming
Posts: 18
Registered: ‎08-16-2012

Re: Kinda Bummed...:(

Thank you GOD!!!!!

 

My very 1st SECURED (PNC) card was approved today and is being sent out!!! I feel like running about the place!:smileyvery-happy:

Starting Score: TU: (401) EQ: (417) EX:smileysad: If Only I knew...)
Where I Am: TU: 415 EQ: 420 EX: (Still in the Dark)
Goal Scores: 650
Chapter 7: Discharged 11/2012
Wallet: NFCU: 500 Secured OPENSKY: 300 secured
Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

Re: Kinda Bummed...:(


MzCharming wrote:

Thank you GOD!!!!!

 

My very 1st SECURED (PNC) card was approved today and is being sent out!!! I feel like running about the place!:smileyvery-happy:


Congrats, but now look at cleaning up your reports.  I bet there are items on there not being reported correctly.  At this point if you keep applying you are doing yourself more harm than good.


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | Amex Delta ($10K)
Store CC's -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014
Established Member
MzCharming
Posts: 18
Registered: ‎08-16-2012

Re: Kinda Bummed...:(

I am most def about to buckle down on all three reportsd. My first round of disputes are back and stupidly, I disputed everything at one time. Rookie mistake, I know! Now I am in the process of working on the second round of disputes... by mail this time and my first round of re-age/goodwill letters on the stuff (student loans) that is left

Starting Score: TU: (401) EQ: (417) EX:smileysad: If Only I knew...)
Where I Am: TU: 415 EQ: 420 EX: (Still in the Dark)
Goal Scores: 650
Chapter 7: Discharged 11/2012
Wallet: NFCU: 500 Secured OPENSKY: 300 secured

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+