topic Re: All Baddies in General Credit Topics

All Baddies

Anonymous — Wed, 20 Jun 2007 15:40:34 GMT

My report is all Baddies. No open accounts, several collections, lates and such.I have opened 1 secure card and will be opening another before to much longer. Any idea if with opening 2 Secured CCs, and disputing and PFDing off files, if my score may increase near 600 by january? I am at 472 now.

Re: All Baddies

Anonymous — Wed, 20 Jun 2007 16:20:49 GMT

BUMP!

Re: All Baddies

Anonymous — Wed, 20 Jun 2007 16:29:37 GMT

How many tradelines do you have?
Removing bad stuff is the most powerful thing you can do!!!

Good idea to start building. The credit cards will help you in the long run, 2 better than 1. I am a firm believer that even 4 are better then 2. New credit drops scores in the short term for many months. In the long term the credit cards will impact your score nicely.

To reach your goal in the short term you will need to remove the bad things. Remove enough and very good scores are possible. Realistically you can do great improvements over 5 months. It will feel at times, nothing is happening. Keep at it, things do work out.

Re: All Baddies

Anonymous — Wed, 20 Jun 2007 16:31:01 GMT

@Anonymous wrote:
BUMP!

You can bump lates off too? We are talking bump as in soft pulls?

Re: All Baddies

Tuscani — Wed, 20 Jun 2007 17:18:11 GMT

@Anonymous wrote:

@Anonymous wrote:
BUMP!

You can bump lates off too? We are talking bump as in soft pulls?

No.. BUMP as in bump up the thread.

Re: All Baddies

Anonymous — Wed, 20 Jun 2007 18:43:34 GMT

I found out this morning that this isn't necessarily true. My new Carnival Seamiles card appeared on my EX pull this morning and bumped it up 10 points. I believe that its because of the utilization but I'm not really sure since mine should have been pretty decent to begin with.

ilovepizza wrote:
How many tradelines do you have?
New credit drops scores in the short term for many months. In the long term the credit cards will impact your score nicely.

Re: All Baddies

MidnightVoice — Wed, 20 Jun 2007 18:45:22 GMT

princessofpink wrote:
I found out this morning that this isn't necessarily true. My new Carnival Seamiles card appeared on my EX pull this morning and bumped it up 10 points. I believe that its because of the utilization but I'm not really sure since mine should have been pretty decent to begin with.
ilovepizza wrote:
How many tradelines do you have?
New credit drops scores in the short term for many months. In the long term the credit cards will impact your score nicely.

I think it depends partly if one is in the "4-6" or "about 42" credit cards club.

Re: All Baddies

Anonymous — Wed, 20 Jun 2007 19:47:04 GMT

42??? Goodness, who needs that many cards???

Re: All Baddies

Tuscani — Wed, 20 Jun 2007 20:05:25 GMT

princessofpink wrote:

42??? Goodness, who needs that many cards???

Credit obsessed freaks.

Re: All Baddies

Anonymous — Wed, 20 Jun 2007 20:05:33 GMT

@Anonymous wrote:
42??? Goodness, who needs that many cards???

If you pay attention - there are several regulars on here that have 40-60 TL's.
I am NOT one of them.

Re: All Baddies

Anonymous — Wed, 20 Jun 2007 20:36:27 GMT

@MidnightVoice wrote:

@Anonymous wrote:
I found out this morning that this isn't necessarily true. My new Carnival Seamiles card appeared on my EX pull this morning and bumped it up 10 points. I believe that its because of the utilization but I'm not really sure since mine should have been pretty decent to begin with.
@Anonymous wrote:
How many tradelines do you have?
New credit drops scores in the short term for many months. In the long term the credit cards will impact your score nicely.

I think it depends partly if one is in the "4-6" or "about 42" credit cards club.

Hi. Interesting. princessofpink, Was their an inquiry with that new account? Can you please post what happens after your new card reports a balance if score changes Pos-Nutral-Neg. Thanks. I will reword my posts from now on. I too have gotten a boost when I should have seen a dip, but I didn't have an inquiry so that made sense to me. Good repost! Please keep us informed what happens.

Re: All Baddies

Anonymous — Thu, 21 Jun 2007 13:51:41 GMT

one TL, a secured card I JUST opened. and the only other even semi-positive is the my child support seems to be showing up as an open account with 0 lates. FICO said as far as they could see wasn't hurting my scores, and probably helping them some. I think I may be the first person in history with a -100 FICO. Or at least it feels that way for now. Although I know, from things I have learned here, that there is a light at the end of the tunnel. And it may not even be from a train coming.