Rebuilding Your Credit

[09Lexie]

Well, I decided to go ahead and pull the trigger and I'm glad I did.... I received an instant credit decision with a CL of $1,500 my largest by far!  I had received 'invitations to apply' for the past few months but never hit the button.

I decided to apply after my 3 tax liens were withdrawn from my credit file just a few days ago.  My question is should I try another card now? I really would like another prime like a Discover.  I had tried Chase and Barclays in September and was declined due to lack of revolving credit history.

My current util is 7%.  

[jandj80]

I think you stand a good chance with capital one. My husband was approved with a 3K limit when his score was roughly 620. I wanted to ask, how did you get your tax liens released? I have one for a piddly $138 and can't seem to get rid of it. Who did you contact?

[rckstrscott]

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jandj80 wrote:

I think you stand a good chance with capital one. My husband was approved with a 3K limit when his score was roughly 620. I wanted to ask, how did you get your tax liens released? I have one for a piddly $138 and can't seem to get rid of it. Who did you contact?

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Well, the IRS has a program to release tax liens...

Is yours IRS or state?

-scott

[09Lexie]

If it is a federal lien, you can request to have them withdrawn if you meet certain criteria ( basically paying/making arrangements or if they are paid).   The whole process took less than 5 weeks!

If you like, you can pm me for more detailed information.

[jandj80]

It was a state lein in ND. Paid off almost two years ago. I would love to hear what I can do~ I emailed them to no avail.