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My credit nightmare began when I turned 18 and all these foolish companies gave me credit cards. I've been terrible with my credit ever since. Fast forward 20 years and only now am I getting a handle on things. My scores last year were in the 500's. I got two capital one cards and left it at that. After paying on time every time for close to a year, my scores had jumped way up. The cards helped I'm sure, but the score bump was most likely due to old collections dropping off. I wouldn't know for sure because up until a few weeks ago I never bothered to even look at my credit reports.
So now I want to buy a house in a year or so, and so my journey to clean up my credit began. A little app spree gave me a few more cards that hopefully will have higher limits as I grow them and continue my PIF month after month.
Two weeks ago I sent out a handful of GW letters and a couple of PFDs for some old collections still on my record. No responses yet and my score hasn't budged in two weeks and I am too impatient to just sit and wait. I look for changes to my reports every day, and each day I am disappointed. It helps that I can read other people's successes here with GW and PFD letters.
So now I hide in the garden and let my AAoA recover and wait to see my score climb up as my letters reach someone who decides to be a little generous...but the waiting is killing me.
Hey! We're in a similar boat and have the same amount of patience. We want to buy a house ... like, yesterday. Not in a year or two from now... immediately. There's a few things taken care of, but it could take up to 90 days for everything to report and be said and done, and I don't even want to wait until June/July. I want it now. I want the settlement I paid to show as paid, and I want it to show now. I want the disputes to be done with now. I want the really great CC account I was added as an AU to to show on my reports and affect my score and I want it now
I feel like the Veruca Salt of credit report stalking. I can pull my report today at 1:41 pm and I'll comb over it to see if there's a single difference from yesterday.
They need medication for people like us. Wake me up when it's August, please.