Hooters CLI

[Anonymous]

Good evening Patticake,

I started cleaning up my credit on 7/7/07 because I want to buy a condo in April/May 2008.  I read, read and read the key threads posted here and started by setting up all of my accounts on line to pay 5 days prior to the due dates.

I disputed a lot of information on my credit reports and had some success. 

Fortunately last November I opened a fully secured BOA card and this also helped my tradelines on my cra's. BOA graduated me to unsecured last month.

In October I started to play the UTL game and I have 5 cc's. I am reporting $0 bal on 3 of them and approx 5-7 % on the other 2.   I hope that this also helps me this month after all payments post.  I had no clue about how important this was but it is working now for me.

I am now working on the balance of my items to dispute/GW and letting everything that I have age for a while.

I hope this helps. Let me know if you have any further questions.

[Anonymous]

Hi Fretless

I would recommend using the card and PIF or low utl each month and call them in April/May for a CLI.  

I know it is frustrating but be patient and it should pay off in the spring for you.

[Anonymous]

This is what I was told.

They will review your account every month and you may get smaller increases from that, like $100-200 and it's possible it's more.

You can also call every 6 months for bigger increases.

I got mine with a $5000 limit and called like 2 weeks later just to ask how they do it. She said she could check to see if I'm eligible and said it's a soft inquiry so of course I said sure. Increased $1250. Kills me for 6 months but that's fine.

The only problem is, the inquiry was not soft so someone screwed up and I can't get it changed. Since TU basically ignores you if you tell them an inquiry isn't authorized or shouldn't be there, I can't get rid of it.

[Bethm1026]

I also applied for the Hooters MC too last night after reading the success stories.

I as well got a $500 limit. Maybe they will increase me later.

I just really need to get rid of this card I've had since 6/07. Continential Finance! $12.00 monthly fee and I have NO balance! I'm sure the intrest is just as bad.

I've been "lurking" for the past few months. 1st post!!

I need to cancel my credit repair @ $79.00 a month but it seems to be working!!

I have outstanding

WellsFargo 12K balance opened 6/2004 28K 

1st Prem. Visa 300 cl PIF every month opened 6/2007

OB MC 300cl PIF every month opened 6/2007

Cont. Fin. 400 cl 0 balance (100 cli) opened 6/2007

That WAS it untill this week!!

Macys approved but no card yet

Hooters MC 500 cl no card yet

Target Red 200 cl ( LOVE Target)

Texaco approved but no card yet

Is that a good mixture of credit to try for a mortgage 10/2008?

Message Edited by Bethm1026 on 03-06-2008 01:49 PM

[Cory]

I just logged in online and saw a two hundred dollar increase without calling. I'm going to Hooter's Friday night just because of this increase.......

Yeah,

Cory

[Anonymous]

Congrats Cory!!!

I'm hoping for some luv from Hooter's as well.    Enjoy your cerveza & wings on Friday.

[Bethm1026]

I just got my card in the mail today!! Along with my Texaco gas card too!! 

Maybe they CLI me soon but I am happy with the $500 cl for now.

I'm getting 2 of my $300 cl to zero and cxing them when they are a year old. (6/08)

[Anonymous]

Congratulations Bethm1026!!

I can't wait to canx First Premier and Credit One.  Hooter's and BOA are fine for me now. 

[Bethm1026]

Oh man, are you ever right busywoman!!

I have a worse one though...1st Pre & Cont' Finance!! HATE Cont' Fin

It cost me $12 a month for a ZERO balance....ahh the cost of getter better credit is ok for me!!  

[Anonymous]

---

Bethm1026 wrote:

Oh man, are you ever right busywoman!!

I have a worse one though...1st Pre & Cont' Finance!! HATE Cont' Fin

It cost me $12 a month for a ZERO balance....ahh the cost of getter better credit is ok for me!!  

---

I actually have 2 1st Premier cc's so double whammy for me on this one.  They've served their purpose but I will wait until late spring/early summer to close.

We're on our way to bigger and better cards so we need to get over the sub-prime hurdle.  It's a bit painful and costly but we'll make it. Good luck with your Hooter's cc. It's worked well for me thus far.