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Frequent Contributor
jaguls66
Posts: 356
Registered: ‎06-06-2007
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All Baddies
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‎06-20-2007 08:40 AM

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.
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Frequent Contributor
jaguls66
Posts: 356
Registered: ‎06-06-2007
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Re: All Baddies
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‎06-20-2007 09:20 AM

BUMP!
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Senior Contributor
ilovepizza
Posts: 3,071
Registered: ‎05-17-2007
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Re: All Baddies
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‎06-20-2007 09:29 AM

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
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Senior Contributor
ilovepizza
Posts: 3,071
Registered: ‎05-17-2007
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Re: All Baddies
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‎06-20-2007 09:31 AM


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
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Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
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Re: All Baddies
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‎06-20-2007 10:18 AM


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
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princessofpink
Posts: 328
Registered: ‎05-18-2007
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Re: All Baddies
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‎06-20-2007 11:43 AM

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.


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Super Contributor
MidnightVoice
Posts: 8,198
Registered: ‎03-25-2007
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Re: All Baddies
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‎06-20-2007 11:45 AM


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
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princessofpink
Posts: 328
Registered: ‎05-18-2007
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Re: All Baddies
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‎06-20-2007 12:47 PM

42??? Goodness, who needs that many cards???
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Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
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Re: All Baddies
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‎06-20-2007 01:05 PM


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


Credit obsessed freaks. Smiley Tongue
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Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
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Re: All Baddies
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‎06-20-2007 01:05 PM


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.
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