Re: Scores not moving

rmduhon · ‎10-08-2016

Cap1 Platinum and QS1 cards can usually get a CLI around day 60-75 and still get the credit steps CLI on the 6th statement. Just ask for it if you want to, it's a SP After that though it's every 6 months

Anonymous · ‎10-09-2016

Do you have any installment loans? If not you should really consider shared secure loan with Alliant Credit Union.

Anonymous · ‎10-09-2016

I just looked up Alliant but I'm not familiar with online banking. Do I just open and account and deposit $600 and then right away ask for a $500 secured loan for 60 months? Or do I wait a few months the ask for the loan

Anonymous · ‎10-09-2016

You can do it all online. I joined, then asked for the loan online. Someone called me to verify info and then I had to deposit the money. And I was done. Very simple and painless. Pay it down to like $43-44 for biggest score bump and you can get the biggest portion back right after the big payment. Be sure to turn autopay off and manually pay $1 or so every 6 months to keep it active.

Anonymous · ‎10-09-2016

Also to be clear, this only works if you have no other installment loans such as car loan, mortgage etc. It can still be beneficial to add thickness to your file if you have thin file though.

Anonymous · ‎10-09-2016

Nope all I have on credit is my 3 cc

joltdude · ‎10-09-2016

OP:

If you have no installment/car/etc loans, just CCs.. I'd consider trying to get together enough for a secured share loan...

When my scores stagnated.. this gave a noticable boost though it took a month or so after the loan was established. but I couldn't do the Alliant way (which is better) due to the short term offered by my CU...

I'm coming from building, vs rebuilding.. but the mix applies to both...

-J