well, I got approved, yessssssssssssssssssssssssssssssssssssssssssssss
I've been having a lot of problems to built my credit since I had varios collections in my report, I paid a couple of them and the other ones they took it off since they couldn't prove that it was mine.
Well I got 2 credti cards (orchard 200, 2 years ago, secured bank of america 400 and centenial from frist premier with 250) I did not know I was not suppose to max out my CC and I have high credit limit in my report.I also got a line of credit from bank of america with my house and it reports as a revolving line of credit, so it looks like everything is max out ( my score when I got the line of credit was 658)
I've received invitation from citibank for the premier but my creidt score went down because of the line of credit and I was denied, but I called them and talked to them and explain the situation with teh credit line and that is a second mortgage and they send me the CC with a credit limit of 2000, My first big credit card.........................
I've already requested to bank of america that a portion of my line of credit to be convert to a installment loan, so it will show as installment and no revolving, and I'm not planing on using my new credit card too much just a couple of hundreds and wait to request a conversion of my bank of america card to unsecured with a line increased as well as the orchard that is the oldest one ( also convert my Premier pass to a Dividend with the cash back and lowered interest rate).
Very happy because finally I'm guetting out of the dark, I hope by the end of the year, if I get more available credit from bank of america and orchard and the drop of 4 inquiries from last year I will see my credit score up to 700 something and finally get my house refinance with a better interest rate.my goal is to refinance with bank of america.
Thanks good becasue you are gooddddddddddddddddddddd
