2nd Month Rebuilding Progress Report

[Anonymous]

Starting Point:

EQ 599
TU 576
EX 580

Actions:
AT & T Collections - $120 -DELETED
Verizon FIOS collections - $880 - DELETED
Verizon FIOS collections - $475 - DELETED
Federated collections (utility bill apartment complex) - $127 - DELETED
US Dept of Education AFSA (1) - 120 day lates - DELETED
US Dept of Education AFSA (2) - 120 day lates - DELETED

US Dpt of Education Nelnet (1) 120 day lates - PENDING
US Dpt of Education Nelnet (2) 120 day lates - PENDING
US Dpt of Education - Defaulted loans (4 in total) - Mailed Rehab financial disclosure paper work - AWAITING RESPONSE

Overpayment Collections (Alleged) - PENDING DISPUTE

New Accounts (opened Dec 2015/ Jan 2016)

Capital One QuickSilver - $300
Capital One QuickSilver One - $500
Amazon - $800
FingerHut - $400
Victoria's Secret - $250
NY & Co - $250
Limited - $150

Scores as of this morning

EQ 617

TU 645

EX 601

So yeah I got just a little "shopping cart" happy. It's kind of addicting

So what do you guys advise that I do now? Also, WHY in the WORLD is Experian so stubborn 

[Mattopotamus]

It is not that Experian is stubborn, but different cards will pull different reports....some all 3, some only 1.  For example, if all of those cards pulled your experian report that will be a lot of hard pulls and could explain the difference in score.

[Anonymous]

That's AWESOME progress in a short time!!!

Thanks for sharing DustStorm.

[Anonymous]

Im sorry you guys, I meant to post this under the Rebuilding forum not the Credit Card forum ....oops

[Anonymous]

Mattopotamus

You are right. I just figured I would do them all at once if I was going to take a hit for the pulls. I don't plan on doing anything new for the rest of the year pretty much.

[Anonymous]

Excellent progress on your rebuild. What should you do? I would head over to the garden and start thinking about things to plant. I think it's important to give your credit profile time to rebound from all of the recent activity. I noticed you still have some things pending, so you can garden while you wait, in addition to, working on any other baddies. Continued success on your rebuild.

[Anonymous]

Yeah I probably need to migrate over to the garden. Thats going to take some will power. Itchy trigger finger.

[Anonymous]

I'm curious about the quicksilver card you had... With your scores, did you have a hard time getting it? And, why do you have both the quicksilver and quicksilver one?

[Anonymous]

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@Anonymous wrote:

I'm curious about the quicksilver card you had... With your scores, did you have a hard time getting it? And, why do you have both the quicksilver and quicksilver one?

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I believe DustStorm had the QS1 & Platinum originally from Cap1 and PC'd the Plat. to the QS after 2nd statement (that is the way you're supposed to do it) to get that card out of the sub-prime catagory. The QS1 can then be combined into the QS after both cards reach 6mnths.

A TU score in the high-mid 500's and above has a good chance of approval for both cards. But as always YMMV. It will depend on what you have in your report. No bad history with Cap1 for 1yr or longer.

[Anonymous]

I see! Not to derail, but my wife is in a similar situation. But she has 1 collection still on her account. It's about to come off, and I'm not exactly sure when it was put on there.

I put her as an AU on my double cash and BCP card and it's helped. We paid off her debts she owed and reduced her utilization to 1%, from my cards we use.

Credit Karma gives her a TU of 641 and EQ of 655.

I'm wondering if we should try the QS1 and Platinum card deal. With Cap1 you can get multiple apps with 1 hp?

I was going to wait until April though. She has 2 inquiries from 14 dropping off then which would put her at 1 for TU and 3 on EQ...

Sorry to hijack op, just figured it was appropriate to ask here, rather than start a new thread