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Rebuilding Help

Valued Member

Re: Rebuilding Help

Sorry KJM - Those three pulls are from Equifax not Experian

 

Also, I see LOTS AND LOTS AND LOTS of soft pulls from AMEX on my Experian credit report - Any thoughts?

Regular Contributor

Re: Rebuilding Help

TU is Transunion

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Valued Contributor

Re: Rebuilding Help

Garden the cards you have now basically means, take care of them and let them grow, like you would a garden.  lol  Like the FICO forums terminology?  It means pay them on time, try got credit line increases (not with FP and slim with Orchard), let them get older...all while not applying for anything new. 

 

I think you are ok on inquiries.  Inquiries remain on your reports for two years but are only factored into your score for one year. 

 

Usually when you pull your reports (depending on where) it says you are currently opted out.  But you can go here to either opt in or out....

 

https://www.optoutprescreen.com/?rf=t

 

If you are opted out you will not receive offers no matter how high your score goes. 

 

And if the OC (original creditor) agrees to a PFD they can remove the CO, but it removes the entire account, not just the notation of the CO. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Valued Member

Re: Rebuilding Help

KJM,

 

You have been a wealth of knowledge!

 

So in your opinion - Don't apply for anything - Just "water" my garden.

 

As an aside, I have NEVER paid Cap One late yet since 2008 yet they never increase my credit line....Thoughts?

 

CAPITAL ONE

Address:

PO BOX 30281

SALT LAKE CITY, UT 84130

(800) 955-7070

Status:

Open/Never late.

Date Opened:

02/2008

Reported Since:

09/2010

Date of Status:

06/2011

Last Reported:

06/2011

Type:

Credit card

Terms:

NA

Monthly Payment:

$22

Responsibility:

Individual

Credit Limit/Original Amount:

$1,000

High Balance:

$1,225

Recent Balance:

$151 as of 06/2011

Recent Payment:

$77

 

 

Valued Contributor

Re: Rebuilding Help

Wellllll, I personally have never had a Cap1 card.  BUT, from reading posts here it's a hit or miss with increases from them.  Might want to try a search for Cap1 CLI and see what you find.  I know they have "levels" of cards and some get increases while some don't.  I think it might also depend on how use the card.  If you barely use it they may not be inclinded to offer you an CLI.  You could also start another post on the credit card boards asking about people's experiences with Cap1 and increases??? 

 

But yes, "water" your garden!  Smiley Very Happy


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Valued Member

Re: Rebuilding Help

Thank you my friend for being so willing to share your knowledge

Senior Contributor

Re: Rebuilding Help


Johnny-Credit wrote:

Wolf,

 

The First Premier is older than the Capital One but I understand your thoughts. I just closed the $300 credit limit FP. I was tired of paying $6 a month and the annual fee came due.

 

In regards to AMEX, it has been 10 years and the judgement is closed on the court record. Though I never paid it. Do you think if I offered them something ($2K - $5K) they would remove me from the blacklist?

 

Thanks!


  I can not image why AMEX would be worth paying that kind of money, even if it did work.    Probably would not work until your credit is much better, anyway.