Also, I have been getting a lot of offers in the mail lately from different cc companies and when I pulled the report it showed that a lot of places have been doing a soft pull on my credit.
If I go ahead and send in for one of these offers, will they end up pulling a hard pull on my credit to actually give me the card?
Yes, they will still do a hard pull even thought you have pre qualified offers...however you may get better limits or APRs now that that baddie is gone 
@daybreakgonesXe wrote:
Credit scores do change on a day to day, and maybe more frequent, basis. So as soon as those items drop off, your score is updated to reflect the new report!
Hopefully your score did go up, but it is hard to tell. As someone else mentioned, you could have been rebucketed. This means that people with certain qualifiers are graded against one another. For example, you had a great score for someone with one baddie. Now that you have no baddies, depending on what your profile looks like, your score may not jump as high as you think, or go down a little, because now you're being judged by others who have no baddies.
You should be okay for applying for anything you think you need at this point in time, but before you do, post another thread indicating your choices and what your credit report currently looks like. We'll be happy to guide you and let you know of your chances
Thanks for the info and I'm hoping it did go up or at least it will put me in a category where I can obtain more credit.
I have no idea what to apply for though or what's out there for someone like me. So that's what I'm hoping you fine people can tell me or suggest for me to check in to. So should I do another post later with all of my information on the cc so that others can make suggestions based on it?
@daybreakgonesXe wrote:
Yes, they will still do a hard pull even thought you have pre qualified offers...however you may get better limits or APRs now that that baddie is gone
Ok, see the last thing I want is for a bunch of inquiries to go on there and bring my score down. So I'm looking for the best cards/options to apply for in hopes to be approved and then wait awhile to obtain more. As of right now, I have 1 hard pull on there and that was from obtaining my Walmart Discover card back in April. They approved me for $800 to start and then 3 months later gave me another $1000 (I didn't ask for it). So I know that you should only do 1 or 2 hard pulls per year (is that right? Or is it every 2 years?) in order for it still to be "safe" and not looking like you are just out there searching for money.
@kk627 wrote:Congratulations! My day was last Monday - last settled charge off fell off. All clean reports across the board. Such a great feeling!
Did you go and pull a new report and if so, did you find that your score significantly increased?
@audia4 wrote:
@daybreakgonesXe wrote:
Credit scores do change on a day to day, and maybe more frequent, basis. So as soon as those items drop off, your score is updated to reflect the new report!
Hopefully your score did go up, but it is hard to tell. As someone else mentioned, you could have been rebucketed. This means that people with certain qualifiers are graded against one another. For example, you had a great score for someone with one baddie. Now that you have no baddies, depending on what your profile looks like, your score may not jump as high as you think, or go down a little, because now you're being judged by others who have no baddies.
You should be okay for applying for anything you think you need at this point in time, but before you do, post another thread indicating your choices and what your credit report currently looks like. We'll be happy to guide you and let you know of your chancesThanks for the info and I'm hoping it did go up or at least it will put me in a category where I can obtain more credit.
I have no idea what to apply for though or what's out there for someone like me. So that's what I'm hoping you fine people can tell me or suggest for me to check in to. So should I do another post later with all of my information on the cc so that others can make suggestions based on it?
Congrats on the baddie falling off. It's hard for anyone to tell you what CC they think would be right for you - only you can decide what you want from a CC. Of course, there are the usual suspects - Freedom+CSP combo, Amex BCP, PRG, SPG, Discover IT, Barclay Arrival, US Bank Cash+, and the list goes on. I suggest you start looking into what types of cards you'd benefit from based on your spending pattern then go from there.
