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Valued Contributor
BearsAndTurtlesRtheBest
Posts: 3,178
Registered: ‎10-02-2012

SISTER CREDIT REVIEW

[ Edited ]

Okay my sister started her credit journey Feb 2012 with a joint with my parents, afte rthat approval she applied for AE, ON, CHEVRON, AND MACYS. APPROVED on 04/12. AE$900, ON $1,300, Macys $300, Chevron $900, and Sport Chalet VISA(Joint) $3,000 Thats all she has her scores are low because she Sport Chalet and Chevron are close to limit once she lowers the balance. Do you guys htink she can go ahead for A PRIME CARD? Or is she to recent? INQ free since 04/12 on three credit bureaus. Advice will be helpful currently income is 18.000 she is also 18 and plans to go to college this summer for RN(REGISTERED NURSE)


$600$800$1,000$500(AU) $2,500
EQ FICO---, EX FICO---, TU FICO---, AAOA 5 months, Utilization 70%, No delinquencies of any sort.
Inquiries on EQ: 19, Inquires on EX: 30, Inquiries on TU: 21, Gardening Since 06-25-14
Regular Contributor
mirachi
Posts: 142
Registered: ‎01-05-2013

Re: SISTER CREDIT REVIEW

(no idea what is considered a prime card but yeah...)

 

Maybe she could apply for the student versions of the Discover IT, Citi Dividend and/or Forward or the Capital One Journey card(s)?

 

And I guess right before she starts to apply, she should have all but one cc showing $0 balance and another at 1%?


Last app 5/7/2014

No apps until 3/31/2016!
Established Contributor
TrishN
Posts: 505
Registered: ‎11-05-2012

Re: SISTER CREDIT REVIEW

personal, why you always post your sister,father,momy. Are you trying to use your family ID to apply for credit card? .If yes please stop doing it ! you gonna get in trouble .

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Valued Contributor
jsucool76
Posts: 2,769
Registered: ‎12-11-2011

Re: SISTER CREDIT REVIEW

TrishN:

A lot of people come here to help family members. You'll see a lot of posts that says "DH" "DW" stuff like that. It isn't uncommon. All of my siblings and friends come to me for credit advice, and if I cant help them I make a post here.

It is a little rude to assume the OP is committing fraud..


OP: any negs on her reports? Do you know her scores?
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012

Re: SISTER CREDIT REVIEW


jsucool76 wrote:
TrishN:

A lot of people come here to help family members. You'll see a lot of posts that says "DH" "DW" stuff like that. It isn't uncommon. All of my siblings and friends come to me for credit advice, and if I cant help them I make a post here.

It is a little rude to assume the OP is committing fraud..


OP: any negs on her reports? Do you know her scores?


+1 ..........Amen


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
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Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Established Contributor
TrishN
Posts: 505
Registered: ‎11-05-2012

Re: SISTER CREDIT REVIEW

because i saw this boy keep posted about sister, then father, mother, vv. vv. never stop. If they come here posted DH,DW then they post another start saying brother, sister, father,vv,vv.

who can trust kid under 18 taking care of these debt?

we are mother and father, i dont trust any kid to take care of my debt !. my friend, family are same. They dont trust these kid about it too ! And you guy too !

this boy making trouble for his family now !

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Frequent Contributor
Mike360
Posts: 433
Registered: ‎03-19-2010

Re: SISTER CREDIT REVIEW

[ Edited ]

he is not releasing any personal info so i don't see how he is getting anyone in trouble. maybe he's using these forums for advice to help his family?? who's to say that he is taking care of his parents and sisters credit?

~~In my wallet: Best Buy $7500, Dell Preferred $5500, Discover IT $4000, Chase Freedom $3500, Barclays NFL Extra Points $3300, Sears $2800, Bill Me Later $2100, CapOne Platinum $2000, Kohls $1500, Target $200
Established Contributor
TrishN
Posts: 505
Registered: ‎11-05-2012

Re: SISTER CREDIT REVIEW

you may dont understand what is trouble i talking about ! the big trouble for his family is he...... then he will get in trouble too if they call.......

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: SISTER CREDIT REVIEW

[ Edited ]

TrishN wrote:

you may dont understand what is trouble i talking about ! the big trouble for his family is he...... then he will get in trouble too if they call.......


I don't see any reason to believe that this person would be causing trouble.

 

They just seem interested in credit, yet don't have a job. So, instead of building their own credit. They are helping family with credit. Then when it comes time to build their personal credit, they will already have the knowledge needed.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Contributor
TrishN
Posts: 505
Registered: ‎11-05-2012

Re: SISTER CREDIT REVIEW


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