Re: Good credit score Bad credit file

juniornj23 · ‎10-03-2014

I need help as soon as possible
I just app for discover it
Decline with 659 credit score

Too many HP 12
One charge off 550 dollars
89% CU
1 30 late from 2010

Any advice please

Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020

Anonymous · ‎10-03-2014

Pay down your utilization to sub-10% and depending on how recent those inquiries are, stop applying for a while. Who is the charge off with? What about the 30 day late? Contact those creditors and see if you can GW those baddies. What bureau is that score from? It seems a bit low for a Discover card in my opinion.

subwaysandwich · ‎10-03-2014

659 is not a good credit score.....

skigirl916 · ‎10-03-2014

@subwaysandwich wrote:
659 is not a good credit score.....

Agreed. It's below average.

Anonymous · ‎10-03-2014

@skigirl916 wrote:
@subwaysandwich wrote:
659 is not a good credit score.....
Agreed. It's below average.

+2

juniornj23 · ‎10-03-2014

maicys i do have the money to pay is only 550 but i want this delete

from TU

IS there any way to delete HP

Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020

Anonymous · ‎10-03-2014

@juniornj23 wrote:
maicys i do have the money to pay is only 550 but i want this delete
from TU
IS there any way to delete HP

There is, but i think people don't talk about it here.

Wife's TU went from 11 INQ to 3 INQ all of a sudden one day and has stayed that way.

Anonymous · ‎10-03-2014

@juniornj23 wrote:
I need help as soon as possible
I just app for discover it
Decline with 659 credit score

Too many HP 12
One charge off 550 dollars
89% CU
1 30 late from 2010

Any advice please

How recent is the charge off?

I got approved for Discover It with a EQ FICO of 637

4 3-6yr old baddies including 2 C/O's for $1,500 total.

No lates except for on an OLD auto loan.

CC util of 20%

joltdude · ‎10-03-2014

Time is the only way to legitimately delete HP... Even a year will age them to have less of an effect. And that util is horrid.. Charge off needs a PFD.. Your not even close to a discover approval