I tried to be good. I promise I did. A friend sent a referral link for the Chase Disney no annual fee card with a $200 statement bonus that also gives the referrer $100 in Disney rewards (??). So....being the good friend that I am, I applied and got an instant approval of $1000 SL. Not much use for the Disney rewards connected to this card but I'll take the $200 statement credit all day long!! Second Chase approval. Got the AARP card with the $200 SUB last month. That's enough Chase cards for me this year. They pulled EX (614) and TU (639). Ton of inquiries from last year. Anyway, headed back to the garden with my head hung low. Somebody please teach me how to garden.
@Anonymous wrote:Congrats. What is holding your scores so low?
Got 3 charge-off accounts still on each bureau, First Premier, Merrick and Firestone. Between the 3 accounts they have a total of about 12 late payments showing. All three will drop off my reports in 2020. Haven't tried to settle them because any updates from them now might do more harm than good. Experian also has 2 small collection accounts from 2013 still listed. Will probably pay those off in the very near future if I can get a PFD. And as I said, lots of inquires across all three bureaus. AAoA is 4 years because I have student loans that are almost as old as me. They've been refinanced over the years, most recently in November 2017. I don't really expect any improved scores for the next few years. I think my approvals are oddities or maybe they like that I've had 100% payments since 2014. Not looking a gift horse in the mouth though.
Not necessarily but thats for the rebuilding forums... It still may be in your best interest to to try to PFD and/or settle... Its all about DOFD...
Please consider asking them about this in detail.... You can get your score up higher without waiting untill 2020 or so....
-J
@outofcredit wrote:
@Anonymous wrote:Congrats. What is holding your scores so low?
Got 3 charge-off accounts still on each bureau, First Premier, Merrick and Firestone. Between the 3 accounts they have a total of about 12 late payments showing. All three will drop off my reports in 2020. Haven't tried to settle them because any updates from them now might do more harm than good. Experian also has 2 small collection accounts from 2013 still listed. Will probably pay those off in the very near future if I can get a PFD. And as I said, lots of inquires across all three bureaus. AAoA is 4 years because I have student loans that are almost as old as me. They've been refinanced over the years, most recently in November 2017. I don't really expect any improved scores for the next few years. I think my approvals are oddities or maybe they like that I've had 100% payments since 2014. Not looking a gift horse in the mouth though.
