@Creditdreamer wrote:
@Anonymous wrote:
My 24th statement cuts in a couple days. Still secured.
Member since date: November 30, 2014.
Any time I've called to ask about it Discover CS always tells me I've handled my card with them beautifully but since it's 'across all accounts' and I still have some old mistakes showing, they haven't cut me my check yet. I get my hopes up every month and am disappointed every month but I can't really say I'm surprised.
What "old mistakes" do you have if you don't mind me asking? I have some old collections but since opening the Discover secured, I have brought my limit with Capital One to 8000 and gotten an Amex BCE with $1000 limit. I'm at month 12 now so I don't know if/when I'll unsecure. I love the Discover rewards but I'd really like to get my $1200 back.
I was laid off on Christmas Eve, 2013. The company to date hasn't paid me for the last month I worked there (I think the owner of said company is in jail now) and when I tried to get unemployment they told the workforce commission I was fired for cause (which was a blatant lie -- I was likely laid off for asking for my paycheck so I could pay rent...) so I was denied unemployment. I ended up running out of money, not being able to pay my bills, got evicted, my mother took my homeless butt in and I've been working on fixing everything ever since.
Currently, the judgement from the eviction isn't showing anymore (I disputed on Experian because it was showing as medical which was inaccurate, even if something else is worse, and it was deleted from all three reports like a week later. That was two months ago. I know it could be reinserted with correct information at any time but I'll be cautiously optimistic right now), but there's a huge collection showing that I'm going to try for a PFD and a couple charge offs that are still the responsibility of the original creditor that I'm going to try to get them to remove the C/O notation for a paid and closed notation if I can't get them to get rid of them completely. We'll see. The biggest one that I will not be able to make go away are 12 lates on Navient student loans -- they don't goodwill so those lates will live there until they fall off in 2021.
My score is up 101 points since I got my secured Discover card. They can clearly see I'm going in the right direction and haven't had a missed payment in 2 years since I got that card (nor on anything else I've gotten in the past 2 years, which includes everything in my signature). But regardless of the reason why life happened to me, I'm not quite credit worthy yet in Discover's eyes. That's just how it is.
