amercnchopz34 wrote:
TNTransplant wrote:Congrats on finally getting in with Amex, and 2 of them, no less! You've been wanting this for a LONG time.
Way to go!
Thanks TNT......i know its been a long road....could have never done it without this forum.......
have you been repairing your credit? how you do? 
just curious cause i fixed mine, took about 16 months for everything more info is in my siggy
Starting Score: 560
nicholasyud wrote:
distantarray wrote:have you been repairing your credit? how you do?
what did you do in your credit that jumb from 640 to 7XX ? in august ???? mind to share............distan
Removed First Premier Bank x2 accounts off my report, they had 51 violations, I sent my last good request to remove it, my next letter was going to be a intention to sue letter for $51,000 for all the violations.
distantarray wrote:
amercnchopz34 wrote:
TNTransplant wrote:Congrats on finally getting in with Amex, and 2 of them, no less! You've been wanting this for a LONG time.
Way to go!
Thanks TNT......i know its been a long road....could have never done it without this forum.......
have you been repairing your credit? how you do?
Well all my iib accounts aged off...i had 1 collection from 2005 that was not iib....it aged off then just working on getting some new cards and mining existing Cards for cli.....took about a year to the day to get to where im at
distantarray wrote:
nicholasyud wrote:
distantarray wrote:have you been repairing your credit? how you do?
what did you do in your credit that jumb from 640 to 7XX ? in august ???? mind to share............distan
Removed First Premier Bank x2 accounts off my report, they had 51 violations, I sent my last good request to remove it, my next letter was going to be a intention to sue letter for $51,000 for all the violations.
and they jumb up like 100 points ????
yep they reported late 30 days 2 times, late 60 day 20 times - late 90 days 14 times -120 days -30 times etc not exact numbers but you get the idea, basically they were just full of it and they didn't have any information on my accounts to legally they can not report. I got them to file responses to complaints filed, and always got a different story, so it worked. They put too many bad items on my report that was completely destroying it.
nicholasyud wrote:
distantarray wrote:
nicholasyud wrote:
distantarray wrote:have you been repairing your credit? how you do?
what did you do in your credit that jumb from 640 to 7XX ? in august ???? mind to share............distan
Removed First Premier Bank x2 accounts off my report, they had 51 violations, I sent my last good request to remove it, my next letter was going to be a intention to sue letter for $51,000 for all the violations.
and they jumb up like 100 points ????
No highjcking of thread....this is my time to shine....lololollolololol......
....just kidding nicholasyud
I only had a $400 Kay Jeweler card, $1,000 Orchard secured card, and $1,500 Achieva CU secured card. and a $600 walmart card
I was added to these cards as an authorized user
Authorized User accounts = Chase Sapphire Preferred $5,000 - Bank of America $4,500 - Amex Delta $3,000 - Capital One $1,000 - TJ Maxx $250 = $13,700
but those were my parents cards that's only been open for about 6 months since I had to convince my parents credit cards are not the devil if you can manage them properly. They never really use cards EVER. My AAOA with all these accounts don't even add upto 1 year now LOL
Now I have
Personal Accounts = Navy Platinum $17,000 - Amex BCP $5,500 - Chase Sapphire Preferred $5,000 - Chase Freedom $3,000 - Walmart $2,500 - Achieva CU $1,500 - Kay Jeweler $1200 - HSBC $1,000 = $36,700
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