Will I ever get to sit at the grown up table?

[Meanmchine]

Keep in mind that your mtg brokers might not have a problem with your baddies but i can almost assure you that those baddies may have added 2% or more to your interest rate.  You are less then a year from those falling off it might be worth it to not buy a house now and app next year and save thousands of dollars in higher interest

[Anonymous]

OP, from your first post it suggets that you've taken your credit scores up 115 points in 3 months which is a phenomenal feat that most don't accomplish.  Whatever you've been doing (or not doing) for the last 3 months simply stick to it because obviously it's working.  In no time you'll be into the 700's and will have to worry far less about getting denied, especially if those inquiries start falling off as you said they are due to.

[Creditplz]

Myjourney approved me for the garden.. Honestly you'll sit at the big table before you know it.

[Anonymous]

Great advice, garden strongly suggested.

While you're there working on baddies removal, call credit solutions and request CLI's for Amazon and WM. Ask for $10k , and theyll either approve, decline or counter with something less. SP so no harm in asking.

Re cap one, once Plat is 2 mos old it can be upgraded to QS (MC) with no AF and you'll start earning 1.5%. You can do that through chat.

Great job on your improved scores so far! Keep up the good work.

[Anonymous]

Agreed on the Cap One Plat -----> QS through chat.  I did this less than a month ago.  Took all of 3 minutes and was super simple.  In less than a month I've built up $30 cash back which I'm not saying is spectacular or anything, but $30 more that wouldn't have been that had I not requested the upgrade and still be rocking the platinum.  Highly recommended.  In theory from what I've read on here the QS CLIs are at least equal to or greater than the platinum since it's a "better" card.

[Anonymous]

You guys are seriously the best. I really needed this all today! I've been beating myself up for getting like this in the first place...and then as many of you know, cleaning up the mess is a one step forward and 2 steps back. It seriously plays with your emotions!

I have actually had my Cap1 Plat for 3 years and my QS for almost 2 (and I have the one that I earn cash back. Not sure what the differnce is?) I've carried thoae for almost that whole time almost maxed out (but never late) until here recently. Ive had them paid off until this past month that I let my daughter use $600 for a trip but it will be paid off by next statement. I've only been granted 1 CLI from them for $100 so I'm guessing insteada using the steps properly, I kinda fell down them. Again, it's all something that time can just heal. And at this point I wouldn't be against even tossing in a few unmentionable favors! (Kidding. Kinda sorta.)

I have twice tried to CLI thru the one number for Amazon and Walamart and been declined. I just recently had the judgement and tax lien updated, so maybe that will help now?

Again, thank you from the bottom of my little credit score heart. xoxo

[Anonymous]

Does your QS have an AF?

[myjourney]

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@Creditplz wrote:
Myjourney approved me for the garden.. Honestly you'll sit at the big table before you know it.

---

Sorry CK gave you bad info

I also invite you to come join us in the GC 

There you will find a great group that will help and support you in your journey 

All you have to do is ask for help and they'll coming running from all side (GC family)

The only thing between you and the grown up table which I might add I had to laugh and found your title refreshing and creative Lol

So run on over to the GC and make some new friends 

And never ever lose hope there's always help here

Tell them I sent you 

[padme]

I try never to app unless its a preq page, or an SCT. Try to bring down that CapOne debt, and then itll improve for you. Then try to Preq CapONe.

[MyLoFICO]

Put on 80's break up music and go garden. Drink plenty and drown your sorrows. Then call credit solutions 877-379-8173 and ask for CLI's (15k) on the Amazon and Walmart cards. If you get them, great, it should help a little bit with the scores. And by all means, do yourself a solid and learn from my mistake, stop applying for store cards. In months to come when your scores get better you will look back and wish you had those inquiries available for much better cards.