topic Re: Surge Mastercard CLI in Credit Card Approvals

Surge Mastercard CLI

Crookid — Tue, 14 Sep 2021 10:24:08 GMT

Up to $500 now. It makes my 4th card with at least $500 CL. Baby steps lol?

Re: Surge Mastercard CLI

GApeachy — Tue, 14 Sep 2021 11:19:28 GMT

@Crookid wrote:
Up to $500 now. It makes my 4th card with at least $500 CL. Baby steps lol?

Yep, Baby Steps, which are the most exciting when you're climbing your way up. So a big Congrats! How much longer before those "Baddies" fall off?

Re: Surge Mastercard CLI

LakeLife — Tue, 14 Sep 2021 12:38:52 GMT

@Crookid wrote:
Up to $500 now. It makes my 4th card with at least $500 CL. Baby steps lol?

Slow and steady wins the race! Congrats.

Re: Surge Mastercard CLI

Red1Blue — Tue, 14 Sep 2021 12:55:18 GMT

Congrats

Re: Surge Mastercard CLI

Crookid — Tue, 14 Sep 2021 14:14:04 GMT

2 years to go until they fall off. Should I just wait?

Re: Surge Mastercard CLI

Crookid — Tue, 14 Sep 2021 14:17:26 GMT

Re: Surge Mastercard CLI

GApeachy — Tue, 14 Sep 2021 20:06:25 GMT

@Crookid wrote:
2 years to go until they fall off. Should I just wait?

Depends.....on a lot of things. Things you can control and things you cannot control.

My best advice to you is to do nothing UNTIL you pose this question in the REBUILD section. You will be informed of what you CAN control and what you CANNOT control. You know, things like pfd "pay for delete" from you credit reports, or how to negotiate repayment to where you can afford to do so and the expected outcomes.

So many things have to be factored into each and every baddies and the baddies owner (Collector/Creditor), dates, amts. Once you find out who you're dealing with then you can make an informed decision. One you can live with.

Right now, you are sitting on enough tl's, that NFCU being a great one with a great cl....so you really don't want to rock the boat. And that's another thing, you start making your credit look stellar (lol, you know what I mean, improving) and a snake is gonna come out the woodwork. You don't want to bring more trouble onto yourself, lay low if you cannot work out a deal on those baddies. But hey, I'm not giving you solid advice because I've never personally dealt with a creditor or negotiated, I hired a Lawyer. Who I can tell you that really knows a thing or two are the mf experts in the Rebuild section. @FireMedic1 comes to mind.

So yeah, instead of twiddling your thumbs for two more years, or risking making yourself a bigger target...hop on over there (rebuild section) and spell it all out. Tell them who, what, when, ~~where, why and how.~~...lol, just kidding on those last three. But be patient, you'll get some very solid advice and they'll also keep you from tripping up.

GL! It'll all work out one way or another.

Re: Surge Mastercard CLI

FireMedic1 — Tue, 14 Sep 2021 21:08:06 GMT

@Crookid What baddies are you talking about. I didnt see any in the above post.

Re: Surge Mastercard CLI

draychi — Wed, 15 Sep 2021 00:26:07 GMT

@FireMedic1 They're in his sig.

*edit* Mentioned in there at least... no specifics.

Re: Surge Mastercard CLI

Crookid — Wed, 15 Sep 2021 04:45:22 GMT

@FireMedic1 wrote:
@Crookid What baddies are you talking about. I didnt see any in the above post.

$2400 to Cach LLC

$2300 to Nebraska Furniture Mart

$700 to Midland Funding

$1100 to Midland Funding

What are your thoughts?

Re: Surge Mastercard CLI

FireMedic1 — Wed, 15 Sep 2021 08:44:55 GMT

@Crookid wrote:
@FireMedic1 wrote:
@Crookid What baddies are you talking about. I didnt see any in the above post.
$2400 to Cach LLC
$2300 to Nebraska Furniture Mart
$700 to Midland Funding
$1100 to Midland Funding

What are your thoughts?

Well Midland will delete if settled or PIF. That will knock 2 more off. The other 2 never heard of them. On a side note:

"9.10.2021 Equifax 521 AAoA 1 yr 2m 19 INQ 3 Baddies | Experian 597 AAoA 7 months 16 INQ 3 Baddies | Transunion 570 AAoA 7 months 13 INQ"

You'll want to break 2 ys on your AAoA's which will help your score and stay above it. And please no more seeking credit. Inq's are way overboard. They need to fall off. I answered you in another thread about dropping the fee cards. Garden for a while like until the end of next year. In that time settle with Cash & Nebraska. More credit doesnt mean higher scores. This is the time to let things grow older which in turn will let your scores start to rise. Think of an inq as asking a friend to borrow money. Once the 15th, 16th inq (friend), and so on hear your trying to borrow money. No one will give you a dime due to looking desparate. So its chill time. Pay who you owe the rest will fall in place. You'll see. Thanks @GApeachy buddy!

Re: Surge Mastercard CLI

draychi — Thu, 16 Sep 2021 23:56:16 GMT

Yea, try to pay those Midland CA's off. They are hard to talk down... they'll start with a 10% discount. I finally got them to go down to 25-30% off one of my accounts. They will PFD usually 30 days or less after cleared payment.

Wiping those 2 off is well worth the money.