Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 166
Registered: ‎07-08-2007
0

Re: SWA VISA



Jennabean wrote:
Wow, Niki9, that is raw! I send my hopes in your direction that everything calms and heals quickly! You'll get through this! You do what you must to survive, and yes, it will turn around for you!

To answer the score question, I was at EQ 580, EX 590, and TU 612, but that was before new TL's were posted. Once everything has hit the CRA's, then I'll get my new scores.

The issues: 1 repo (3 years old), 2 collections on each CRA, most recent 4/07, 1 COff on each(5 years old), Tax lien on EQ & TU (2001), zero current positive accounts. Almost all of these are in dispute due to inaccuracies, and I may rehab the chargeoff for the age (if I rehab, they'll have to remove their collection, which would eliminate most issues).

About to report: 1 revolving jewelry acct, 1 M/C, combined CL of 1800, less than 10% util.

I've got work to do!


I have been there.  Take good care with the new credit and things will turn around.  I learned the hard way not to pay the collection unless they give you a letter of deletion.  That is why I have 2 old co on my report.
 
Be strong it may take some time.







New Member
Posts: 4
Registered: ‎10-04-2008
0

Re: SWA VISA

Valero just approved me for $400 which is a start - did you contact them for a CLI or did they offer it to you?
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.