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@BlueHusky wrote:Congrats Sassy! Looks like you're doing very well already - I see in your signature your credit scores have gone up nicely in just the past 2 months. Good luck!
Thanks. I disputed things that were not mine and had some baddies that fell off. Hopefully with new positive TL my fico continues to increase.
Dump that card when the AFs starting hitting and apply for new credit cards! GL in building your credit.
@Sassy_Taurus wrote:
@NikJ4 wrote:
@Sassy_Taurus wrote:I'm really excited that my Orchard card has finally arrived. I feel like I've taken a baby step towards rebuilding my credit
Congrats! I know a lot of folks have negative stuff to say about the rebuilders but when NO ONE would give me credit, I was thankful for them. It made me feel like I was in true recovery mode. Try to keep the utilization down if you can.
Enjoy!
+1 a lot of negative things are said about them but, I'm just happy that they gave me a 2nd chance when no one else would. My plan is to keep one card reporting at a 0 blance and the other one at about 9% util.
Yep...and the truth is, many lenders that target those with "less than ideal" credit aren't the greatest to deal with. That's okay. Use them to get where you want and pitch them once they've served their purpose. You gotta start somewhere.
Best wishes.
@CreditCardDiva wrote:
@Sassy_Taurus wrote:
@NikJ4 wrote:
@Sassy_Taurus wrote:I'm really excited that my Orchard card has finally arrived. I feel like I've taken a baby step towards rebuilding my credit
Congrats! I know a lot of folks have negative stuff to say about the rebuilders but when NO ONE would give me credit, I was thankful for them. It made me feel like I was in true recovery mode. Try to keep the utilization down if you can.
Enjoy!
+1 a lot of negative things are said about them but, I'm just happy that they gave me a 2nd chance when no one else would. My plan is to keep one card reporting at a 0 blance and the other one at about 9% util.
Yep...and the truth is, many lenders that target those with "less than ideal" credit aren't the greatest to deal with. That's okay. Use them to get where you want and pitch them once they've served their purpose. You gotta start somewhere.
Best wishes.
+1
Use them like they use you with the fees!
Congratulations.
They helped me rebuild my credit, too.
+1 on holding them for a year and axing before the AF comes. You'll be in better shape for prime cards.