I was just giving my opinion. My scores were in lhe low 400's not long ago, but I will just wait it out(high 500's now). I finally got several cards, and bought no junk!
One person's junk is another person's treasure.
Those of us who have to rebuild all do so in the ways that work best for us - everyone's different. Congrats on the success you've had with your methods!
OP - glad you got the issue resolved the way you wanted.
Yeah but you had credit already. I had NO credit when I began with crownjewlers. Like I said you really have to evaluate your own personal situation.
Forevergroovy, Yup i have all that negative stuff still on my credit. My most recent late was in June 08 on 2 CC.
I was fully maxed out on the following cards:
DOCFCU Visa: 2,000 CL
Aspire Visa: 750 CL
Orchard Bank: 300 CL
Capital One: 300 CL
First Premiere: 275 CL
Since then, I have paid everything off and received a 2,000 credit limit increase on the DOCFCU Visa. I only have a $400 balance on that card. I've gained up to 125 points in the past 6 months just from decreasing my utilization.