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GE is spreading the holiday cheer!!!!
@JonStur wrote:GE is spreading the holiday cheer!!!!
+1 The lady was extremely friendly, she even sounded excited when she said I was approved.
Congrats on the increase! I am going to try UW for my Dillards card.
@Shogun wrote:CLI from $600 to $2000. Thanks swpopham!
That's wonderful -- CONGRATS!!!!!
cant wait to do mine in a couple months used.....
When I applied for my Wal-Mart card, I was sent a letter for the following reasons why I was denied:
SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
NUMBER OF ACCOUNTS PAID AS AGREED
NO RECENT NON-MORTGAGE BALANCE INFORMATION
LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
The serious delinquency/collections is an account that was reaged and I'm in the process of settling. so my question is, if I called underwriting and explained my situation that I'm rebuilding my credit and explain the collections account, what is the chances of being reconned? Or should I stick with waiting about six months?
Major Cards:
In Timeout:
@YoungMoney06 wrote:When I applied for my Wal-Mart card, I was sent a letter for the following reasons why I was denied:
SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED
NUMBER OF ACCOUNTS PAID AS AGREED
NO RECENT NON-MORTGAGE BALANCE INFORMATION
LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED
The serious delinquency/collections is an account that was reaged and I'm in the process of settling. so my question is, if I called underwriting and explained my situation that I'm rebuilding my credit and explain the collections account, what is the chances of being reconned? Or should I stick with waiting about six months?
What does the rest of your report look like? Any revolving cards? Any other baddies? How's your util?
I don't know about the 'NO RECENT NON- MORTGAGE BALANCE INFORMATION'.
What does the rest of your report look like? Any revolving cards? Any other baddies? How's your util?
I don't know about the 'NO RECENT NON- MORTGAGE BALANCE INFORMATION'.
The rest of the report looks slim, but good. One satisfied "paid, or paying as agreed" installment account, recent from 2010. I also just received a credit card about a month ago that has been reported to my account, so one positive revolving account. Only thing is that when it reported, I had $0 balance, so no utilization with that card. Here is the downfall, I believe causing issues with my account. In 2006, I had a credit card with CapOne with a $300 CL, and the high balance, which includes late fees, etc. etc. is $690. I'm sure this is likely hurting my utilization, but CapOne sold the account and it is scheduled to be removed 03/2014. I would like to have it come off, but I don't know if I want to right now because it is giving my credit report a nice AAoA of about 6 years. Removing may hurt more than keeping it, right?
Major Cards:
In Timeout:
Sweet increase