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All Baddies

Frequent Contributor

All Baddies

My report is all Baddies. No open accounts, several collections, lates and such.I have opened 1 secure card and will be opening another before to much longer. Any idea if with opening 2 Secured CCs, and disputing and PFDing off files, if my score may increase near 600 by january? I am at 472 now.
Message 1 of 12
11 REPLIES
Frequent Contributor

Re: All Baddies

BUMP!
Message 2 of 12
Senior Contributor

Re: All Baddies

How many tradelines do you have?
Removing bad stuff is the most powerful thing you can do!!!

Good idea to start building. The credit cards will help you in the long run, 2 better than 1. I am a firm believer that even 4 are better then 2. New credit drops scores in the short term for many months. In the long term the credit cards will impact your score nicely.

To reach your goal in the short term you will need to remove the bad things. Remove enough and very good scores are possible. Realistically you can do great improvements over 5 months. It will feel at times, nothing is happening. Keep at it, things do work out.
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Message 3 of 12
Senior Contributor

Re: All Baddies



jaguls66 wrote:
BUMP!


You can bump lates off too? We are talking bump as in soft pulls?
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Message 4 of 12
Moderator Emeritus

Re: All Baddies



ilovepizza wrote:


jaguls66 wrote:
BUMP!


You can bump lates off too? We are talking bump as in soft pulls?

No.. BUMP as in bump up the thread. Smiley Happy
Message 5 of 12
Frequent Contributor

Re: All Baddies

I found out this morning that this isn't necessarily true.  My new Carnival Seamiles card appeared on my EX pull this morning and bumped it up 10 points.   I believe that its because of the utilization but I'm not really sure since mine should have been pretty decent to begin with.

ilovepizza wrote:
How many tradelines do you have?
New credit drops scores in the short term for many months. In the long term the credit cards will impact your score nicely.



Message 6 of 12
Super Contributor

Re: All Baddies



princessofpink wrote:
I found out this morning that this isn't necessarily true.  My new Carnival Seamiles card appeared on my EX pull this morning and bumped it up 10 points.   I believe that its because of the utilization but I'm not really sure since mine should have been pretty decent to begin with.

ilovepizza wrote:
How many tradelines do you have?
New credit drops scores in the short term for many months. In the long term the credit cards will impact your score nicely.





I think it depends partly if one is in the "4-6" or "about 42" credit cards club.  Smiley Happy
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 7 of 12
Frequent Contributor

Re: All Baddies

42??? Goodness, who needs that many cards???
Message 8 of 12
Moderator Emeritus

Re: All Baddies



princessofpink wrote:
42??? Goodness, who needs that many cards???



Credit obsessed freaks. Smiley Tongue
Message 9 of 12
Moderator Emeritus

Re: All Baddies



princessofpink wrote:
42??? Goodness, who needs that many cards???





If you pay attention - there are several regulars on here that have 40-60 TL's.
I am NOT one of them.
Message 10 of 12