Cap 1 still not showing anything at all. almost 2 months in. I finally found the CLI button and got rejected, expected as everyone on here says at least two months, I will try again then. I may switch most of my monthly spend to Merrick, those guys report to the credit bureau before they tell me whats going on...
On that not Merrick appears to be coming through, they indicate as a "new" account on CCT and my total available revolving credit has shot up by the $750 they indicated (total now $4400 
) Kinda funny, got the so called pre approval from these guys then the hard pull....haven't heard a thing from them, but see everything happening on CCT and CK.
CCT now down 2 points to 602, CK totals up today TU 648, Equifax 641 I hope the appearance of Cap 1 will drive these up, but waiting is painful.
One of me Medical collections was paid like 3-4 weeks ago, but still showing as in collections, when that appears satisfied I hope for a little something.
I've decided to keep all the Comenity store cards for the moment, going to try to run a very small balance on two or three and try to bump the CL on them as much as possible.
Should I buy something on all of them and let it cycle then payoff...the ones i intend to clos eor let run out in a year....any benefit to having a charge or two on them? No idea what I would buy at Wayfair, VS, or Express....lol. I'd probably step out of the garden for another real card, but not willing to risk rolling the dice yet, perhaps late this year depending on how things progress.
One other thing i can't find a straight answer on. So I have these 5 student loan derogatories. Two: 60 days, Led to one or two 90 days, and finally one or two 120 days before I wised up and got an income based $0 repayment set up. Great Lakes will not budge or alter these lates. So my thought is....and this is where I need clarification....bury the bads in new positive transactions. Is it possible to minimize these mistakes with lots of new on time payments. I've noticed that my payemt history seems to be reported as a percentage...so my thought is that an overwhelming number of positive pays on time months should drive this figure up, won't replace or eliminate the negatives, but should dilute those negatives. Of course this would be WORK to juggle all the parts...is it worth it? Will it have an effect?
@Anonymous wrote:Cap 1 still not showing anything at all. almost 2 months in. I finally found the CLI button and got rejected, expected as everyone on here says at least two months, I will try again then. I may switch most of my monthly spend to Merrick, those guys report to the credit bureau before they tell me whats going on...
On that not Merrick appears to be coming through, they indicate as a "new" account on CCT and my total available revolving credit has shot up by the $750 they indicated (total now $4400
CCT now down 2 points to 602, CK totals up today TU 648, Equifax 641 I hope the appearance of Cap 1 will drive these up, but waiting is painful.
One of me Medical collections was paid like 3-4 weeks ago, but still showing as in collections, when that appears satisfied I hope for a little something.
I've decided to keep all the Comenity store cards for the moment, going to try to run a very small balance on two or three and try to bump the CL on them as much as possible.
Should I buy something on all of them and let it cycle then payoff...the ones i intend to clos eor let run out in a year....any benefit to having a charge or two on them? No idea what I would buy at Wayfair, VS, or Express....lol. I'd probably step out of the garden for another real card, but not willing to risk rolling the dice yet, perhaps late this year depending on how things progress.
One other thing i can't find a straight answer on. So I have these 5 student loan derogatories. Two: 60 days, Led to one or two 90 days, and finally one or two 120 days before I wised up and got an income based $0 repayment set up. Great Lakes will not budge or alter these lates. So my thought is....and this is where I need clarification....bury the bads in new positive transactions. Is it possible to minimize these mistakes with lots of new on time payments. I've noticed that my payemt history seems to be reported as a percentage...so my thought is that an overwhelming number of positive pays on time months should drive this figure up, won't replace or eliminate the negatives, but should dilute those negatives. Of course this would be WORK to juggle all the parts...is it worth it? Will it have an effect?
Oh, if it were only that simple....
While they show it as a percentage, in reality its not calculated as such in your score. Its far more complex. One thing that is for sure is that you get a bump for having more good unblemished accounts, than tarnished accounts.
@Anonymous wrote:Cap 1 still not showing anything at all. almost 2 months in. I finally found the CLI button and got rejected, expected as everyone on here says at least two months, I will try again then. I may switch most of my monthly spend to Merrick, those guys report to the credit bureau before they tell me whats going on...
On that not Merrick appears to be coming through, they indicate as a "new" account on CCT and my total available revolving credit has shot up by the $750 they indicated (total now $4400
CCT now down 2 points to 602, CK totals up today TU 648, Equifax 641 I hope the appearance of Cap 1 will drive these up, but waiting is painful.
One of me Medical collections was paid like 3-4 weeks ago, but still showing as in collections, when that appears satisfied I hope for a little something.
I've decided to keep all the Comenity store cards for the moment, going to try to run a very small balance on two or three and try to bump the CL on them as much as possible.
Should I buy something on all of them and let it cycle then payoff...the ones i intend to clos eor let run out in a year....any benefit to having a charge or two on them? No idea what I would buy at Wayfair, VS, or Express....lol. I'd probably step out of the garden for another real card, but not willing to risk rolling the dice yet, perhaps late this year depending on how things progress.
One other thing i can't find a straight answer on. So I have these 5 student loan derogatories. Two: 60 days, Led to one or two 90 days, and finally one or two 120 days before I wised up and got an income based $0 repayment set up. Great Lakes will not budge or alter these lates. So my thought is....and this is where I need clarification....bury the bads in new positive transactions. Is it possible to minimize these mistakes with lots of new on time payments. I've noticed that my payemt history seems to be reported as a percentage...so my thought is that an overwhelming number of positive pays on time months should drive this figure up, won't replace or eliminate the negatives, but should dilute those negatives. Of course this would be WORK to juggle all the parts...is it worth it? Will it have an effect?
For what it's worth, my Cap 1 didn't report until 3 days after my second statement cut.
I wouldn't give up on the Good Will with Great Lakes, I'd be sending GW letters to the EO on a weekly basis. I don't think lenders look at the percentage, I think they look at the flat number for lates.