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New Rebuild Journal Xwill04

Regular Contributor

Re: New Rebuild Journal Xwill04

Thanks sphinx313
Good luck with 1st premier from everything I read seems like they are close to impossible to get rid of..

I'm thinking about opening $500 secured credit card with my CU... Do you guys recommend I open it or increase my limits with the other 2 cards?? Seems like 3 cc would be a good mix to rebuild a good amount of solid history..


Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
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Message 11 of 45
Established Contributor

Re: New Rebuild Journal Xwill04

If you don't currently have three revolving accounts, I would go with opening the new one. That way, the inquiry and the hit to AAoA will not be affecting you as much and will grow while you fight off the baddies.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


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Message 12 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

That's what I was thinking that way all my accounts can be around same age and also build a better history with my CU other than the secured loan and checking account.

Thanks for the advice!


Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 13 of 45
Valued Contributor

Re: New Rebuild Journal Xwill04

It also gets you maximum point growth with the utilization under 9%.
Scores: about 700 across the board
Total CL: $275k
Message 14 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

My equifax just jumped to 551 without any noticeable changes.... Could this be because I started a dispute with equifax on some of the items?


Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 15 of 45
Established Contributor

Re: New Rebuild Journal Xwill04

I saw a decline in my score when my disputes came back because they updated the late reporting. This could be from some aging or a utilization change or something like that.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 16 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

Weird.. Also got hit with an inquiry from Cap 1 today.. Is tht normal for creditors to do a credit pull when u dispute?


Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 17 of 45
Established Contributor

Re: New Rebuild Journal Xwill04

Congrats

Message 18 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

Thanks credit314!


Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 19 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

just refreshed my report... All 3 EOS CCA have fallen off my experian report... but only 12point increase??? **bleep** Smiley Sad

 

That was 3 latest collection accounts....

 

ugh gues when you have so many collections 3 doesnt make much of a difference..

 

looks like midland and the auto repo/collection need to go next to see significant increase



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 20 of 45