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After a couple of months I'm circling back around to this thread. Currently, all I have is medical collections on my CR's; Working through WhyChat's process as we speak.
In the following two months I've been approved for Capital One Secured($49 deposit w/200 limit) & Capital One Platinum($300). I'm in search of a third card. Do you think I can move into the unsecured world or should I open another secured card? Which do you recommend?
Currently working on collection for US Bank(Capital Management Services)PFD, to ultimately remove or update to paid on ChexSystem
Thanks!
Experian: 693 | Transunion: 700 | Equifax: 690 | Utilization 4 %
@lamplight2012 wrote:After a couple of months I'm circling back around to this thread. Currently, all I have is medical collections on my CR's; Working through WhyChat's process as we speak.
In the following two months I've been approved for Capital One Secured($49 deposit w/200 limit) & Capital One Platinum($300). I'm in search of a third card. Do you think I can move into the unsecured world or should I open another secured card? Which do you recommend?
Currently working on collection for US Bank(Capital Management Services)PFD, to ultimately remove or update to paid on ChexSystem
Thanks!
Capital one QUICKSILVER ONE. Also don't you need to pay that US bank 83 dollar for them to take you off check system? I've never been on one but I thought once you pay it off it comes off your file. If don't pay off it stays on.
@Anonymous wrote:
@lamplight2012 wrote:After a couple of months I'm circling back around to this thread. Currently, all I have is medical collections on my CR's; Working through WhyChat's process as we speak.
In the following two months I've been approved for Capital One Secured($49 deposit w/200 limit) & Capital One Platinum($300). I'm in search of a third card. Do you think I can move into the unsecured world or should I open another secured card? Which do you recommend?
Currently working on collection for US Bank(Capital Management Services)PFD, to ultimately remove or update to paid on ChexSystem
Thanks!
Capital one QUICKSILVER ONE. Also don't you need to pay that US bank 83 dollar for them to take you off check system? I've never been on one but I thought once you pay it off it comes off your file. If don't pay off it stays on.
SDFCU said they would accept me with a paid Chex System entry, and US Bank has hired Capital Management to collect on their behalf. But, I don't want to just pay US Bank, and then the CA update my CR with a paid status.
Also, the banks don't usually remove the Chex System entry if it's paid. They just update to paid, and it stays on there for 5 years.
Experian: 693 | Transunion: 700 | Equifax: 690 | Utilization 4 %
Question.
What's the difference between the QuickSilver & QuickSilver one?
Experian: 693 | Transunion: 700 | Equifax: 690 | Utilization 4 %
@lamplight2012 wrote:Question.
What's the difference between the QuickSilver & QuickSilver one?
Quicksilver one is more of a rebuilder credit card with 1.5% cash back but have a 39 AF quicksilver is "prime" card which is 1.5 cash back and no AF. Also with your capital one platinum if you use it for 2-3 months and pay on time they can upgrade you to a quicksilver. I'm not sure though if they allow me to upgrade because of score increase or amount I use or that's just the way capital one does thing and allow everyone to upgrade in 2-3 months. When I got my Capitol one cards the platinum and QS1 I was in the 570-590 score but did have a secured card with them. Now my score is 650-690