09-09-2009 08:54 AM
Good Morning, Just wanted to give some hope to people trying to get an unsecured card. I originally had a card with First Premier back in 2006. It was charged off. I then recently applied (8/20/09) for a regular First Premier card but was turned down since they say you cannot have more than one card with their company. I then received a link to the First Premier black card. I applied (8/29/09) and of course got the message that my application needed to be reviewed. I pulled my report today and it the First Premier account is listed as opened on 9/09. My other First Premier account is still on my report but I am hoping after a couple months of good payment on my new card, I will be able to GW the old account. I only have the two credit cards on my report so I am hoping the additional limit will increase score. My low score is mainly because of medical collections, but that’s for another post.
Scores: Eq 535 Ex 584 Trans: 574
09-09-2009 09:00 AM
That is amazing we have the same scores with each cb with about 5 points off and the same story with FP. What are you doing to raise your scores higer? Are you thinking of getting a secured card?
09-09-2009 09:14 AM
09-09-2009 09:25 AM
The card is an unsecured card, but I do have to pay all of the intial start up costs. I just did not want to send $300 for an unsecured card even though it is a better interest rate. I do not plan on using it except for maybe $10 a month. I need to build my revolving credit since I have none except for the other charge off.
I have sent Pre-Hippa letters. So far I have had 8/15 medical collections deleted without being paid. I'm praying they will not show up again. I recently disputed a NCO from Bank of America and was surprised when it was too deleted from my Experian. It was the only report showing the collection.
I do have an auto loan that has a late payment that is over two years old.
Other than that I am continuing to get all of the medical collections removed and hopfully in the futre GW First Premier for the collections.