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THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

Established Contributor

Re: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

Smiley Mad Nothing for me either!  Just AGrrrrrr!!! Sorry to hear about your aunt. I figure April I will get something....  notice I didnt say what YEAR!  LOL!!  I cant belive dropping 2,000 extra on Cards has done nothing! Not even a small wiggle! When Cap 1 reports my 2 CO as ZERO  finally I hope that will help! I was tempted to do a App just to hear my phone go off! But I refrained.... dang it was tempting though!!

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 3/17)
Message 81 of 136
Valued Contributor

Reg: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

I got a point this weekend for no apparent reason. Yay?Smiley Frustrated


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 82 of 136
Established Contributor

Re: Reg: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

Well if you wanted to split that point it would at least give me a wiggle!Smiley Happy

I got my NFCU Checking Visa Card today. Did you get your CC finally? I figured I would get a ton of misc mail first like you, then my card LOL!!

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 3/17)
Message 83 of 136
Valued Contributor

Re: Reg: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

The debit card comes really fast, but the cc takes FOREVER! I finally got mine tonight.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 84 of 136
Established Contributor

Re: Reg: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

I want to hit the App button so bad with NFCU but I am waiting ........and it is just killing me!!! Glad you finally got your card!!!  You got a card and a bump!! Bonus!

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 3/17)
Message 85 of 136
Frequent Contributor

Re: Reg: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

To be honest, I'm starting to get bored with this game.  It's like them holding out a bone that they keep snatching up before I can grab it and just laughing....I guess past history trumps recent history two to one.  It's the man holding us done.  They don't want you to step up and get the cheaper interest they make their money on high interest and late fees!  I would dare say that 60-70% of a banks income is from late fees, atm fees and returned check fees!

 

I have my extra credit score pull but I wanted to wait until the end of the month to check it.  I want to see when my new CU CC posts.  The payment was on the 21st which I paid before then and I left $10 on a $500 CL so I thought that might give me a bump.  CapOne payment is on the 8th and they post on the 11th so I assume my CU will do the same which should have already been....

 

.....so we wait...


Starting Score:
11/11/12 BEGIN REBUILD myFICO 584

11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705
Message 86 of 136
Established Contributor

Re: Reg: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

Have you logged into your CC's today and see if they are showing a payment due for next month? Even if its zero due. If the due date still shows this month, the statement hasnt cut yet. Thats how I track mine.  My new cap one generally cuts on the 26th/27th. But is due the 24th.

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 3/17)
Message 87 of 136
Established Contributor

Re: Reg: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

I paid off my very last collection and got a GW to delete....  now by gosh I am getting a bounce fix!!!  They were a collection reporting as a OC and updateing monthly as past due. HA!!  Bye Bye.... now I want my bump! You know they will take at least 2 wks to 30 days to give it to me!

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 3/17)
Message 88 of 136
Valued Contributor

Re: Reg: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

I got a nice 22 point Experian fako bump today! My navy card started reporting there and I'm so glad because that score has been stuck for a long time. I think once tu updates I just might make my goal score of 625 on all three months ahead of when I expected. So excited. Just FYI, the tu and eq scores in my sig are from myfico, only the ex is a fako.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 89 of 136
Frequent Contributor

Re: Reg: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

and I just keep waiting........


Starting Score:
11/11/12 BEGIN REBUILD myFICO 584

11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705
Message 90 of 136