Hey everyone, hope you had a great holiday weekend.
Nothing in the mail from Macy's yet, been 2 weeks now.
Still waiting on my refund from FICO
Once I get this and pay some bills I'll start looking around at getting a report...Any ideas?????
I don't know my scores yet, is this something I should do once I determine my scores?
No shot on that one, might as well pretend the parents don't exist
Is going to BoA an option since they are the ones that issued me the line that I messed up on?
I'm trying! I'm trying!
Message Edited by lessinlearned on 11-26-2007 11:26 AM
Nothing in the mail from Macy's yet, been 2 weeks now.
Still waiting on my refund from FICO
Once I get this and pay some bills I'll start looking around at getting a report...Any ideas?????
@Anonymous wrote:I would definitely agree with many of the responses detailing the credit card approach, but I would also venture to recommend going to Beneficial or American General and obtaining a loan of around $1,000. They are high-risk lenders, so you'll more than likely get it. And put half of it in a savings account and use the rest to buy whatever, and pay it off in a few months. Lather, rinse, repeat. I did this with my credit union and now have confirmation they'll approve me for a $5,000 personal loan...which isn't amazing, but for a 19 year old, that's pretty darn good!
I don't know my scores yet, is this something I should do once I determine my scores?
@SanFranMatt wrote:You'd have to act fast, but you should see if your parents would be willing to add you as an Authorized User on their credit cards. If they do this now, then by the end of the year the new cards might be reporting (and therefore giving you some credit history). That should be enough to get a couple cards on your own, before the Authorized User status goes away.
No shot on that one, might as well pretend the parents don't exist
@haulingthescoreup wrote:
try for a secured card from BofA (give them $500, they give you a card with a $500 CL, do around 9 months of absolutely perfect payment history, graduate to the real thing), go to a credit union and talk to them.
Is going to BoA an option since they are the ones that issued me the line that I messed up on?
@haulingthescoreup wrote:You just need to get something current on your credit history.
I'm trying! I'm trying!
Message Edited by lessinlearned on 11-26-2007 11:26 AM
@Anonymous wrote:Get the EX report (and the others also).
The EXP report only shows the BOA card as a negative item, No positive items
Status:
Paid,Closed/Account charged off. $2,225 written off.
Date Opened:
12/2004
Type:
Revolving
Credit Limit:
$1,500
Date of Status:
08/2006 Terms:
NA High Balance:
$2,260
Reported Since:
11/2004 Monthly Payment:
$0 Recent Balance:
NA
Last Reported Date:
08/2006 Responsibility:
Individual Recent Payment:
NA
Your Statement:
NA
Creditor's Statement:
Account closed at credit grantor's request.
Account History:
Charge Off as of Oct 2005 to Jul 2006
180 days as of Sep 2005, Aug 2005
150 days as of Jul 2005
120 days as of Jun 2005
90 days as of May 2005
60 days as of Apr 2005
30 days as of Mar 2005
I'll work on getting the 3 reports by next week.
