Reply
Valued Contributor
Posts: 1,922
Registered: ‎06-21-2012
0

Re: I Re: Cap 1 Recon - Need help!! Need exec office email (UPDATE)

if you have any cards currently i would just garden them....your scores are very low and it will be tough to get approved for much of anything especially if you have any recent negatives reporting.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Frequent Contributor
Posts: 341
Registered: ‎08-14-2012
0

Re: I Re: Cap 1 Recon - Need help!! Need exec office email (UPDATE)

Do the shopping cart trick with the Comenity Bank CCs. So you could get some extra credit without HPs. Do a search on the forums for info. I got the bottom two cards with SPs.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Established Contributor
Posts: 500
Registered: ‎02-02-2013
0

Re: I Re: Cap 1 Recon - Need help!! Need exec office email (UPDATE)

I have no other cards, I can't get approved for anything so there is no point to garden anything except the Fingerhut that I have.  Its ridiculous I can't get a secured card rather my scores are low or not, I see people with lower scores than mine that get them just fine.

 

Also, I have tried the shopping cart trick to no avail, I will try randomly to see if I do get it until my score goes up enough.

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Established Contributor
Posts: 955
Registered: ‎02-02-2013
0

Re: I Re: Cap 1 Recon - Need help!! Need exec office email (UPDATE)

Don't get discouraged.  maybe try a PFD to the baddie?

 

Credit repair takes time.  It blows in that department but, and I think almost everyone here will agree, its worth it.

 

I myself had absolutely horrid credit after a failed business venture.  I mean bad....but I did the time and paid off baddies.


Now I am just finishing a journey that started over 7 years ago and one thing is for sure, this time I enter the arena with a lot of knowledge and patience I did not have before.

 

You will get a card eventually.  Gardening is almost the fix all of credit.  Its simply time and once enough passes, you will be amazed at the results.

 

Hang in there,


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Established Contributor
Posts: 500
Registered: ‎02-02-2013
0

Re: I Re: Cap 1 Recon - Need help!! Need exec office email (UPDATE)

Thank you for the encouragement.  I have tried to do PFD on the baddie.  The CU is not budging and just keep telling me FCRA mandates they report accurate information and they will not delete or anything.  I am not paying anything that isn't going to help my credit, I have limited funds as it is.

 

I do know it takes time that is why I am taking a break and just going to garden what I have for now.  If I get the chance to get a secured card without a HP I definitely will and if by some miraculous chance I am able to get he baddie deleted then I am sure it will make it a little easier. 

 

This forum has offered a great wealth of knowledge and I have been able to increase my score and have two collections deleted from my report because of it.  I have so much love for the people here because of that!  I will definitely continue to read and take note of anything that may help in this process.  Seeing others improve their credit gives me hope. 

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Established Contributor
Posts: 955
Registered: ‎02-02-2013
0

Re: I Re: Cap 1 Recon - Need help!! Need exec office email (UPDATE)

Awesome.

 

Another path you might consider is seeing if you can be listed as an AU on a family member's account.  Can't hurt.

 

Keep your chin up.  Its worth the wait.


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.