Re: Success Stories and Encouragem
07-03-2008 08:42 PM
Your Orchard limit went to $2,700? Wow. Somehow, I never realized that they ever went that high. I've had one since some time in '06, and it's still at $310.
I got the card in December of 2005. My scores were probably in the low 500's. I didn't know the difference between cards and such. I didnt have a Visa/MC so I got it as an emrgency card. I have never ever been late with it. I once did pay the $50 to get a CLI from $600 to $1000, but after that, they have increased it from $1400 to $1900 to $2700. I do make double payments on it. Like when it is due and then about 15 days later I send them in a smaller payment. I do have a balance on the card, which is $1100. I plan on it getting that down by the end of the year.
My interest rate is 14.9%. They have never offered nor have I asked for an interest rate decrease. I do get the occasional call from them asking to refi my car loan. I only have 14 more payments remaining on my Acura, but one of the conditions for the refi is that I need to be under a certain amount of miles.
Most of my bad stuff will fall off in March/April of 2009. Right now I am saving to pay off 2 judgements that are killing me most likely. I have never really posted my accounts and asking the readership here what to do. I am taking the "be patient" method. maybe soon I will post my bad stuff and let people take a look at it to see how I can get from the 620's to the 700's
I am not in the same boat as many people who post of 400-500's scores, so I do consider myself lucky. My goal was to be by 680-700 in October, which may happen? I am sure I just need to lower the UTIL%, gather some age, pay on time and things migth work out that way.