How Many Points For...

Anonymous · ‎09-04-2013

It would go by Missouri laws and have to be vacated there if they allow it. It usually requires you to go to court.

There is absolutely nothing wrong with applying while you try to clean up your report. You have to start somewhere. Applying for credit is a necessary evil while rebuilding.

Have you tried to get a secured with your bank/CU?

JamesKnox · ‎09-04-2013

My bank is BofA and I just got secured with them last week remember.

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)
Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000

Anonymous · ‎09-04-2013

Yes, and I just read that too lol.

I would let the Cap 1 update and see what your score is. Also see if the medical collections will do a PFD.

SunriseEarth · ‎09-04-2013

@fishbjc wrote:
James: Before wasting an inquiry and driving your scores lower....

Capital One Charge Off - $200 CL --- Balance is $355 (Charged off this year) WAIT FOR THIS BALANCE TO UPDATE AS 0
Bank of America Secured - Just got this card last week. $300 CL - Plan to have report LESS than 10% bal and pay in full monthly. WAIT TO REPORT
6 Collection Accounts (2 Medical, 4 Misc) The 4 random collections total to UNDER $700 ASK THEM FOR A PFD. Medicals are usually pretty receptive to a deletion if paid. Call and ask them. If someone says NO, call again.
Judgement Capital One - PAID - $1550 back in 2009 ASK TO HAVE VACATED
4 Inquires. NO BIGGIE, BUT DO NOT APP AT THIS TIME

+1

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