Calling BARCLAY RECON Dept ALL DAY ?!

[Anonymous]

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@Anonymous wrote:

Goblin,

How did you contact the bureaus, and how did you word your letter ?  I would absolutely love to do this .. please key me in.  You can email me privately at  as well.  Thank you !!

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@Anonymous,

You can send Goblin a private message with your account here. Click on your username and it will say send a user a private message.   Take your private email out of the post since this is a public forum.

[pipeguy]

I hear Capital One is giving out big limits to new approvals as of late (if you qualify) perhaps you should diversify ?

I didn't apply, but this board is full of success stories with Cap-1 over the last week 

[Anonymous]

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@pipeguy wrote:

I hear Capital One is giving out big limits to new approvals as of late (if you qualify) perhaps you should diversify ?

I didn't apply, but this board is full of success stories with Cap-1 over the last week 

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You are mean.

[Themanwhocan]

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@Callandra wrote:

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@Anonymous wrote:

Wow -- so many comments.  Thank you ! What exactly is a GW?  And how is it accomplished ?  

To answer someone's question (too many of you Lol!) -- Yes, the baddies will be mostly gone between April and August this year .. either paid completely off, or aged OFF.  I guess I will wait until July time to try again, but at that point I am hoping for a BIG CLI !  My score should be exponentially increased, as well.

I am not a patient person -- never have been, sadly!  But I will work on this aspect :-)

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GW = goodwill (letter) -- writing letters to the collection agency/whoever owns the debit you owe/paid and asking them to remove it as a "goodwill." It does work (check the rebuilding forum for more info/advice). Otherwise, you can just wait for them to fall off since it seems like you're pretty close to that anyway. 

What were the reasons the analysts gave you for denying the CLI? Just the baddies? Then time is the answer! 

Also...what are rumptatoots???  (maybe I'll start using that at work and see how my boss likes the word!)

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Umm. Google Rumpa. the Toots part then becomes obvious...

Hopefully they realize that paying off baddies doesn't necessarily mean they will be removed from their credit reports. Not unless you are paying for deletion, and have that in writing...

If they could get a small secured personal loan or two, that might help. 

How many credit cards do you have now? Just the one?

[Creditaddict]

This thread doesn't add up... someone with 6 year old baddies would not have a score of 590!

I think I picked up on it on page 3 that you are still paying some of these baddies?

what other current cards do you have besides this barclay?

what are your balances on everything?

[Anonymous]

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@Creditaddict wrote:

This thread doesn't add up... someone with 6 year old baddies would not have a score of 590!

I think I picked up on it on page 3 that you are still paying some of these baddies?

what other current cards do you have besides this barclay?

what are your balances on everything?

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Limited amount of positive accounts would do it..

Keep in mind I was in this score range myself with 4 CC's of my own and unoptimized utilization.

[Callandra]

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@Themanwhocan wrote:

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@Callandra wrote:

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@Anonymous wrote:

Wow -- so many comments.  Thank you ! What exactly is a GW?  And how is it accomplished ?  

To answer someone's question (too many of you Lol!) -- Yes, the baddies will be mostly gone between April and August this year .. either paid completely off, or aged OFF.  I guess I will wait until July time to try again, but at that point I am hoping for a BIG CLI !  My score should be exponentially increased, as well.

I am not a patient person -- never have been, sadly!  But I will work on this aspect :-)

---

GW = goodwill (letter) -- writing letters to the collection agency/whoever owns the debit you owe/paid and asking them to remove it as a "goodwill." It does work (check the rebuilding forum for more info/advice). Otherwise, you can just wait for them to fall off since it seems like you're pretty close to that anyway. 

What were the reasons the analysts gave you for denying the CLI? Just the baddies? Then time is the answer! 

Also...what are rumptatoots???  (maybe I'll start using that at work and see how my boss likes the word!)

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Umm. Google Rumpa. the Toots part then becomes obvious...

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It all just came together...just never heard the [full] word rumpatoots before...

[Anonymous]

Sorry all...

I currently have BARCLAY Apple Visa ($1500), Credit One ($500), and Synch Bank / Care Credit ($3000).

I have MANY student loans, all current, and an auto loan with Santander Bank current from open date 12/2013.

I just spoke to TU -- all but one baddie falls offby AUGUST!!  The other I will finish paying soon.. leaving no open collections, and most completely gone.

I'm hoping by summer my score sky rockets, and I can get approved for CHASE, CITI, USAA & other primes.

[Creditaddict]

What is this one that you are paying? When did it go into collection and what is balance currently?

[CreditCuriosity]

Ya guessing utilization is bad along with not enough positive trade lines with the baddies and possibly alot of inquires.  I could see that score being possible.  I am drowning out my baddies by tons of positive trade lines, working quite well actually getting all my scores very close to 700's with some nasties still.