Starting Score: TU 686 EX 641 EQ 690
JonStur wrote:GE is spreading the holiday cheer!!!!
+1 The lady was extremely friendly, she even sounded excited when she said I was approved.
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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Shogun wrote:CLI from $600 to $2000. Thanks swpopham!
That's wonderful -- CONGRATS!!!!! 
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k
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?
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?
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