@Anonymous wrote:
@myjourney wrote:
@Anonymous wrote:Thanks for the reply myjourney. Yes, well I've actually been a member over at CreditBoards for a couple of years. As far as rebuilding goes...I tried so many things. Like I said, I was semi-successful. I used probably 10 different tactics on every single bad account. I was happy when some were removed. However, some just wouldn't budge. Those are the ones I have listed.
To answer your other question, yes. Every negative account on my report has a $0 balance. I WISH I went to these forums before I paid them. I would have tried to negotiate removals in exchange for payment. I didn't know and just wanted to have a clean slate. 5 years later...no clean slate haha
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Until you answer some of the question it will be hard to get you pointed in the right direction....We do things a little different than that other site ...sorry but true
Sure, no problem. Which questions did I miss?
-Yup, all balances 0.
-I have gotten all 3 of my reports in the last year. They are all the same. It's the same stuff on each, so no variations or discrepancies.
-First cards I got would be about 8 years old by now, but none of my open ones are that old. I would say that I have 10 active cards right now and they were all activated in the last 3 years. The older stuff is the stuff that is actually in charge off status. I wish that I could somehow keep their age, but not have the bad charge off status on them. I tried to call about Amex Oasis before, but got nowhere. I was praying I could restore the account, keep the age and make amends.
Did I miss anything?
Ok lets start here
Dates needed
Oldest good account?
Newest good account?
INQ's in the last year?
EX?
EQ?
TU?
INQ's in the last 2 years?
EX?
EQ?
TU?
Have you contacted CAP1 EO for CLI's?
Have you done GW's to all charged off accounts?
Amex Oasis accounts only works when there's a balance but you didn't know 
Sorry forgot one
How old are lates on each account?
@myjourney wrote:Amex Oasis accounts only works when there's a balance but you didn't know
Actually, I was wrong here! Sorry, it was a long time ago.
I went and checked my old paperwork. Letters from Amex say that they will report the account with a $0 balance but there was $1,713 that went unpaid. So, I settled for less than the full balance at the time.
Oasis hope?
@Anonymous wrote:
@myjourney wrote:Amex Oasis accounts only works when there's a balance but you didn't know
Actually, I was wrong here! Sorry, it was a long time ago.
I went and checked my old paperwork. Letters from Amex say that they will report the account with a $0 balance but there was $1,713 that went unpaid. So, I settled for less than the full balance at the time.
Oasis hope?
Possibly call and tell them you want to pay if you can afford ...otherwise amex has a long memory and it will be years before if ever they let you back in
@Anonymous wrote:Honestly, if you have truly exhausted the usual paths for getting negatives removed, and they will not budge, best advice is just to allow the negatives to age off of your report. Once they have, you'll have much better luck pursuing more traditional or premium products.
Trying to go after them now, IMO, is only racking up inquiries for no real purpose (you're unlikely to be approved) and hurting your score more.
+1...I know it sucks and can be frustrating, but as you said it's been five years so you're almost at the end of the proverbial tunnel and to the light... Keep educating yourself and decide what cards will fit your profile once your baddies fall off. It will seem like an eternity but I think you've done all you can do at this point... Welcome to the Forums, I know you can do it!!!!!
Starting Score: TU 595 EX 600 EQ 585
Welcome to the forum! You have received excellent advice and I would follow it all.
1. Stop applying for anything denials mean your CR's are not ready yet and the inq's aren't helping.
2. Pull all 3 reports from annualcreditreports.com. It's free and the information you Need will be easy to read
3. Review reports for accuracy. The DOFD ( Date of First Delinquency) is important.
Write GW letters : http://ficoforums.myfico.com/t5/General-Credit-Topics/GW-Example-Letters/m-p/4521/highlight/true#M12...
4. Contact EO of Cap 1 ask for CLI, PC and an APR reduction
Finally, as others have stated pre-approvals/pre-qualifications are subject to credit approval. Until you've taken care of the baddies you should shy away from apping.
Good luck!
1. Stop applying for anything denials mean your CR's are not ready yet and the inq's aren't helping.
2. Pull all 3 reports from annualcreditreports.com. It's free and the information you Need will be easy to read
3. Review reports for accuracy. The DOFD ( Date of First Delinquency) is important.
Write GW letters : http://ficoforums.myfico.com/t5/General-Credit-Topics/GW-Example-Letters/m-p/4521/highlight/true#M12...
4. Contact EO of Cap 1 ask for CLI, PC and an APR reduction
Finally, as others have stated pre-approvals/pre-qualifications are subject to credit approval. Until you've taken care of the baddies you should shy away from apping.
Good luck!
