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since
06-19-2008
12-29-2018
shalane85
Frequent Contributor
320
Posts
29
Kudos
02-24-2009
02:02 PM
Is their a number I can call if I been decline for auto refinance with cap 1? Is it the same number as it is for the credit cards?
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02-24-2009
01:59 PM
Since when? I thought that you can call the backdoor # and get a recon on credit cards? Did that change?
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02-24-2009
01:23 PM
My advice to you is that if you want to buy a house this year dont open any new accounts until you close on that house. Today underwriters (FHA loans) dont care about you having a mix of revolving, installments, etc.. type of credit. They dont want to see any new debt or new credit obligations. So my advice and I strongly urge you to hold off until you finish the house business. BTW what are your credit scores? When you close I would suggest BOA secured, or Capitol One. They are pretty easy to qualify for when you are rebuilding credit.
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02-24-2009
01:20 PM
I recently applied for a refinance through Capitol one auto finance. They denied me saying that my assets are insufficient for amount of credit requested. So does anyone know a back door # for capitol one auto finance. I want to call for recon b/c thats the only reason they denied me. I probably should have put this post in the auto forum but I know that this forum is familiar with backdoor #. Any help is appreciated.
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02-24-2009
01:12 PM
I have just gotten myself to finally type these goodwill letters to have some lates removed from my report which is killing my score. I had a Chase card (120 days late), Friedmans (120 days late), and a collection for an old cell phone bill from back in 2005. Well I called Chase first to see if they would remove the lates. They say they had no record of me ever having a card with them. Wierd. Then prior to that I sent a letter on planetfeedback to the VP. I also sent a letter on planet feedback to Friedmans (which I didnt think I'd be able to do since they are closed down). Today I get an alert from TU that my report changed. I look it up and all 3 TL are GONE. I been disputing the old cell phone bill since 2005 and they are finally off. I feel so GREAT!!!
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02-22-2009
07:09 PM
$1000? not bad. Are your Ficos high or low? Have you ever been late withthis card? gone over the limit?
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02-22-2009
03:57 PM
My scores were around 450 Jan 08 if I remember right. I got my scores to come up to a 628 in Aug. 08 when I bought my house. Now my EQ score is 549, due to me forgetting to pay GMAC ontime in Dec 08 and high utilization of CC debt (which is now paid off). Hopefully I will see a jump next week.
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02-22-2009
03:54 PM
I've been recieving a lot of helpful advice on how to maintain my current cc. Cap1 : balance 0 credit limit 750 Cap 1 :balance 0 credit limit 500 Orchard bank: balance 0 credit limit 300 Now I just paid these cards off like a few hours ago. I've already been declined CLI with them all. I just want anybody to post what were their credit limits vs their balance when they were approved. And it may also be helpful to post your fico score or if you ever had any lates with that cc when CLI was granted. My EQ score is 549 so I'm hoping to see a jump in my score next month when they report (March 7). Any input would be most helpful.
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02-22-2009
03:47 PM
You know I appreciate the help. I just paid off all 3 of those accts. I do think I will try for the Boa secured card. I'm hearing to many horror stories about HSBC. But wait Orchard Bank is HSBC too! I'm **bleep** if I do and damned if I dont.
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02-22-2009
03:33 PM
From what I been reading on this forum some say that if you have 5 or less cc yo dont have enough, some say carry a low balance on your cc, some say don't carry a balance at all. I'm only considering a new credit card b/c I though it would help my credit score. Theres so much different advice I'm trying to decide which is the best for me and my current situation. I have the money to pay off my balances ( which is what I just did), but now I'm hearing that I should get a Boa secured card. I have the money for that also. My goal is to improve my credit score. I cleaned my credit up last year so that I could buy a house, which I was able to do (thank GOD). A couple of neg. things that are on my credit are from at least 3 years ago, so I'm working on paying those things off now (even though I didnt have to, to get in my house). At the same time I'm trying to improve my 549 fico score. : : just dont know where to start.
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02-22-2009
03:06 PM
1 Kudo
Make sure you dont open anything new or dont apply for anything new until after you close on your house. I just went through the same thing. I closed on my house Sept 2008. At the time I needed a new car but I had to wait until I closed to buy one b/c it could have prevented me or delayed my closing date. Keep your credit at a standstill until you close. Underwriting does not want to see you applying for any new credit.
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02-22-2009
03:00 PM
I called last week and was declined also. I was told to wait 3 months and try again. When you do try again make sure your balances are paid down 10% or paid to a 0 balance.
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02-22-2009
02:58 PM
I'm starting to wonder would I have been better off getting a secured bank of america card vs. the new hsbc card. Even though I was approved if I dont activate it they cant report the card, right? Only as an inquiry, right?This is really making my head hurt and I apologize in advance for asking a lot of dumb questions. I been reading alot of posts about the Boa 99/500 card or the reg secured card. Should I go for one of those instead? Or should I sit my credit eager behind down and activate the HSBC card and wait on Boa card.
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02-22-2009
01:36 PM
BTW whats wrong with store cards? I've heard someone else say stay away from store cards.
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02-22-2009
01:35 PM
okay no more apping.! I have the funds to pay off all my credit cards now, so is that what I should do? I always though it was important to carry a balance on your cards.
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02-22-2009
12:36 PM
I just applied for a HSBC card and was apporoved for a $300 limit. Is this going to hurt my score but help my cc utilization? Maybe I shouldnt activate this card. You know they really should teach kids, especially high schoolers, about credit, b/c if it wasnt for this forum I wouldnt know squat. They really should teach a crash course in credit management, credit cards, etc... I think I would have benefited from the such.
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02-22-2009
11:36 AM
Once I was almost 2 months past the due date and they still report my acct as being paid on time. So you should be okay. I'd call and make sure if I were you.
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02-22-2009
11:06 AM
How do you calculate the average age of credit card accts and how do you calculate cc debt utilization? Orchard Bank open April 2005 balance 0 limit 300 Capitol 1 open December 2007 balance 400 limit 500 Capitol 1 open June 2008 balance 447 limit 750 I want to close the Orchard card because they wont increase my limit from $300 and they charge an annual fee of $59. I just paid this card off and I want to close it but I dont want it to hurt my pitiful score. I was just approved from a HSBC card with no annual fee, same credit limit. Not sure what I need to do.
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02-21-2009
11:38 AM
I was actually wondering if Cap 1 goes off your credit report or your payment history when you request a CLI? Does anyone know?
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02-21-2009
09:47 AM
My question is the debt that you already paid so far did you get it deleted from your credit report? When paying old collections try doing a PFD so that they cn come off your report. As far as the repo goes I'm not sure you can get that removed after you PIF but you can try. But definetly try to PFD with capitol one so that it can come off your report so that you can see a score increase. I know that if you pay all of your collections on your report and they dont come off it wont really do anything for your score. It will just show collection paid. Thats not to say avoid paying debts you owe but try for a PFD so that it really benefits you.
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02-20-2009
09:10 PM
Has the acct reached SOL in your state? When was it first reported delinquent?
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02-20-2009
09:08 PM
1 Kudo
If you settled on that acct you shouldnt have a balance left. I would still go through the HIPAA process b/c by law they are required to remove that from your report once it is paid.
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02-20-2009
09:05 PM
To answer your first question. Dont trust anything thats not in writing. Now is this account with an actual CA or is with thr OC? If I were you I would call again and speak to a CSR and explain that you were told to pay $150 now and $150 later to bring your account in good standing. Odds are that everytime you talk to someone they put notes under your acct. So when you call back dont act like you are trying to renegotiate how much you'll pay, act like the agreement was to pay the 150 now and the 150 in March minus the late fees. And see what happens. I 'd call until you got the results you wanted.
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02-20-2009
09:00 PM
Would it even help my score to have those deleted since they are old? Would my score GO up if they are off of my report?
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02-20-2009
02:38 PM
May I ask who is removing the lates ?
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02-20-2009
02:13 PM
If I want to bring my scores up should I pay down my credit card balances or pay them off at one time if I have the money to do so or should I pay them down gradually? Which will help my score?
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02-20-2009
02:10 PM
I have 2 old collections, one from North American for a medical bill $226 that I dont think is mine. and United Financial for $350 which is an old cell phone bill. I tried disputing the medical bill a couple years back but they would never reomove. They keep saying we have your birthday and ss#. I dont see how that validates a thing. Well the old cell phone bill I dont think is my collection either but they wont validate that debt. I'v tried for a while and nothing happens. I really want my score to come up and I'm considering just paying these jerks just to get it off my report but I'm wondering if its worth it since they are so old. What should I do. The medical collection was opened 1/18/2006 and the old cell phone bill was opened 3/4/2005.
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02-19-2009
02:11 PM
This was also posted under credit cards thread I saw a post the other day that listed some credit cards which you most likely would get approved for based on a certain credit score. I'm sure those who can benefit from this are people whose credit scores are below 620 (me). Below is a list of ccc that I didnt see on the other list. I compiled this based off of my own personal experience. There is also a website www.whogavemecredit.com that may also be helpful. Capitol One Platinum- score 560 + Credit One Bank-score 565+ Macy's store card- score 580+ HSBC- score 578+ Orchard Bank- score 544+ Chase- score 615+ Premier Bank- score 550+ Aspire- score 539+ If anyone has anything they want to add to this list please do b/c this can prevent folks from applying for cards they dont qualify for.
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02-19-2009
12:27 PM
Like you said everyone is different. Some card companies have different types of cards like Crap 1 --- I mean Cap 1. They have cards for excellent, good, poor, and limited credit scores. I have personally been able to get a card with them even after I'd defaulted on one card with them some years back. I did pay it off and I was able to apply for their card that is geared towards people rebuilding credit. Personally I'd stay away from Premier and Aspire b/c they have poor customer service and way to many fees.
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