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RBFool
Contributor

Re: Suggestions


@Anonymous wrote:
My secured card is cap 1. I have to many inquiries from the two car loans from dealer pulls. I have came a long way. Don't want to hurt it with trying to get card. Cap 1 card is 200 cl they say it will not graduate. I tried the shopping cart thing, never got a pop up.

Was the dealer pulls in 1 day or a couple of days? They're viewed as basically 1 pull because it's for a long term loan. So getting a hp for a new TL wouldn't be the end of the world.

 

How are you using your secured card? Make sure to not have it report over 9% utilization. 

 

As far as the shopping card trick, that could be a score thing. But make sure your cookies are cleared. try in "privacy" mode and make sure pop up blockers are off. I'd try express or jcrew people report are simple to get.


  

BK 7 Dismissed: 5/2014 AAoA: 6 years Credit Scores (07-02-2015): My Privacy Matters: TU: 633 EX:658 EQ: 651
How to add pics to Signature

Message 11 of 16
Anonymous
Not applicable

Re: Suggestions

Thanks alot for the help and my utli is at 6%. I may have to just try to app for a card. Really need that mortgage been renting for 6 years.
Message 12 of 16
RBFool
Contributor

Re: Suggestions


@Anonymous wrote:
Thanks alot for the help and my utli is at 6%. I may have to just try to app for a card. Really need that mortgage been renting for 6 years.

There's something somewhere (in the fourm) about not applying for anything 6 months? a year? before a mortage should happen. I'm not in the market for a house so I don't know the details. Do a search. Even if you get your 10 point bump in score you may want to wait for the inquiries to clear etc...


  

BK 7 Dismissed: 5/2014 AAoA: 6 years Credit Scores (07-02-2015): My Privacy Matters: TU: 633 EX:658 EQ: 651
How to add pics to Signature

Message 13 of 16
SunriseEarth
Moderator Emeritus

Re: Suggestions


@Anonymous wrote:
The collection is medical, 4 negative accounts are lates like 1 30 day, 2 60 day, and 1 120 day. 1 is mortgage paid/closed, 2 auto paid/closed, 1 home equity paid/closed. Will fall off between December and August.

Were these CCs?   Are they charged-off?  Do they still show balances?



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 14 of 16
Anonymous
Not applicable

Re: Suggestions

No CC's. All have zero balance. No charge offs. Just lates. Ask OC to help out and remover early since they where paid off, answer was no.
Message 15 of 16
Anonymous
Not applicable

Re: Suggestions

I guess since trying for mortgage soon, best just leave.alone and wait. Was added to CC as AU 60+ days ago, but I guess since I don't live with her it's not going to report.
Message 16 of 16
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