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03-22-2014 06:54 PM - edited 04-11-2014 09:28 PM
Well I have been perusing these boards for a while now so I thought I would give my little experiences so far. I dont know my Ficos I only have Fico8 from Merrick to go off of. I got a 200 dollar secured card from Merrick bank last year in Feb and started with a 488 score from them. I had multiple derogs on report from early 2009. After one year my score went up to 598 on Merricks site. During that time I got a call from Jeff Cap to pay one of my derogs and get another cc in the process so I took that and recieved new card with 250 limit on it. I also blew the tranny in my car and had to get a loan from Springleaf. So score dropped 40 points after getting loan but I am well on my way to better credit. I hope to have sprinlgeaf paid off at end of the year. i am going to get a Harley secured card from my bank in the next few months, I am waiting till I have had loan and new cc for 6 months before I get Harley card. I'm gonna take the payout I get back from Springleaf and tax return from next year and bump up the limit on my Harley card to around 2500. Hopefully all this will get me in the door for a Wally Discover which will lead to probably my last credit card... Discover. In the next 2 years I should then be able to get my final goal....... a Harley
03-22-2014 07:14 PM
Good, sounds like a plan. Going forward avoid finance companies at all costs they decrease score, though this one was most likely the only option for you at the time. Good luck
03-22-2014 08:33 PM
03-23-2014 02:44 AM
Nah its not paid off but I don't see any problem with it being paid off by january of next year. That would give me a year with an installment loan. I can pay it earlier but i already have it so.... I will pay it for a year. And since it will be a year I should get maybe 900 back when I pay it off. That in addition to tax return should be about 2k to up my Harley card next year.
03-23-2014 02:46 AM
Not my only option. There is always dear old dad but i wanna do stuff without help
03-23-2014 06:12 AM
03-24-2014 04:57 AM
I have borrowed in the past as well but....... like most f&f loans I have slacked on paying it back. Probably still owe him about 5k. The good thing is he thinks like me. I will tell you I am loaning it to you but I don't expect to get it back. My sister is the suck up one. He cosigned for a new car for her not to long ago. I digress though because I am not her and also have no child to take care of.
04-08-2014 01:24 AM
well i decided to poke the bear and see what happens. i disputed the 2 FP CO's that are on my report. they are paid so not much can happen. hopefully they cant find my info and they disappear who knows. not i until atleast the 19th of this month. then its on to continental finance. gonna try the 2008 ruling will see what happens im not sure if i do or dont fall under it. but again can't hurt.
04-08-2014 02:33 AM
shopping cart success. just got an express card. ten days i will know what they gave me. i prolly wont use it more than once or twice a year. they do have shirts that fit me real nice short and scrawny.
04-11-2014 09:19 PM
well i decided to poke the bear again. i disputed continental finance on experian report. it falls under the 2008 ruling so it should fall off. im hoping it will come off all three with one dispute. we shall see. i cant dispute on tu because i already have one going. cant dispute equifax there site has always been bugged for me. it never verifies my identity. so ill wait a month after all of the disputes are done and then sm them to see whats what.