Re: I Just Started My Journey
03-17-2012 04:30 PM
Well, My credit union decided to be very kind. They approved me for a Visa, with a $500 limit. I'm truly appreciative...I wasn't expecting to get it. I have a judgement on Experian, that doesn't belong to me...it's for someone in NY, and there's a MA address that isn't mine. I also have another SS# showing up on my credit report. My Experian report is just real crunchy, and I'm not sure how that happened. I don't usually monitor my reports, but from now on it'll be a different story.
My credit union only required that I submit my W-2, my two most recent paystubs and a copy of my SS card. They've sent out completed dispute letters for me to forward to Experian. I didn't have to jump thru any hoops. They've pretty much guaranteed that I'll be with them, till the end of time. I'm a sucker for good customer service. I doubt I would have gotten treated the same by one of the big banks.
Credit Union Visa - $500
Capital One Secured MC - $200
Orchard Bank Platinum MC - $300
So, I'm good for the next year and a half.
Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 709 5/23/2013