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since
06-28-2007
08-22-2015
Gotagoal
Regular Contributor
139
Posts
1
Kudos
08-09-2007
08:50 PM
Isn't that funny. I read posts and feel like it's me, too. hahah Literally going through my stack years ago, making a plan and getting a 2nd job - made all the difference. I laughed when I called an old Collection Agency asking him to delete this old, but paid account. I asked if he remembered me and he said "oh yes :)" ... It was a small consistent payment for what seemed like FOREVER !!! hahha But he was more than happy to help since I told him I was cleaning up old things on my report. I'm so happy you're in a good place, too. Good luck and thanks for your kind words.
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08-09-2007
08:33 PM
Sure thing. I never knew my old score - afraid to look until everything was paid. Once I pulled my CRs in June, I realized mistakes, and what can/should be deleted. So I made progress. Every hard inq I've made in the last mo (6) are all new great TL. I should be ok in the long term. My goal is to be in the 700 club to buy a house next year. My first score was 645 in June. My last score watch last week said 661. None of my new accounts are listed yet. I suspect the scores will go down initially once they post to my CRs, but we'll see. Seeing the progress and getting approvals has meant the world to me. I am very responsible and find it amazing that I have misused credit in my 20s. Never again. I am on top of it now. Everyone is just so helpful. Thank you.
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08-09-2007
08:03 PM
I've only been on this forum for 2 months and have learned SO much. I had 1 cc with 300 limit. After paying everything off and then finding this forum, I learned how to get things deleted and how this whole fico thing works, utilization, etc... NOW I have nice cards with pretty good limits. Very happy. BofA, Target Visa, CCCU, Chevron, Amex and just yesterday I went online to sign up for our local credit union (for WA state residents only) BECU, and it said to bring the paperwork in today. Just another ckg/savings, but it said it was also a Visa app. Since I don't need anymore cards, I just thought nothing of it. TODAY I AM AT BECU and they said, ok , you're all set. Your new VISA with ****3500 CL *****will be there in a week. I WAS IN SHOCK (but didn't show it). I'm so happy because I've worked very hard. I'm the poster child for getting out of the muck. I couldn't buy a stick of gum on credit a few years back because of my stupid mistakes in my 20s that have haunted me until I paid every last penny off. It feels divine. I'm going to stick to my plan (like I have for many years) and watch my score grow. It was 661 a week ago. I'm dying to know now that my Credit Limits total about 10,000 , how that will affect my score with 1% util. I'm hoping it jumps since my previous Credit Limit total was 300.
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08-09-2007
06:02 AM
Hi Noah - Your posts are always very helpful. So I just recently paid an old Amex from 1991 (I called them to find out about it as I've never been notified but in my gut I knew it was left unpaid, but it's not on my reports). Long story short, I paid immediately and they told me about Oasis. I'm waiting for the form to sign/return. Once I get my Optima card, is it really possible to get another AMEX? or should I wait 6 months to apply? My report is looking SOO much better and my Fico is 661 and rising. Just wanted to get your opinion on that. Thanks so much!
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08-09-2007
05:57 AM
Here's my opinion as I've had the card for the same time. I've paid perfectly for almost 3 years and called them to ask that very question. Seems they are not anything but a rebuilder card - so nothing to graduate to. They give CLI 100 a yr it seems, so it's not a great card. BUT I have been able to show great history which is what my report needed after mistakes in my youth. hhaah....... so now I found this forum a few months ago, I have made positive changes to my reports by doing what this forum advises - and now I have NEW great cards and my score in 661 and rising. SO I think it was not a bad card although the fees etc are truly ridiculous. Now I have nice cards with CCCU, Target Visa, BofA, Chevron and Amex. I'm not going to cancel the Prem card since it's history that is good and aging. Hope that helps! All my best to you!!
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08-07-2007
05:38 AM
Hi Dave - nope, it's not instant. In fact, I called last week to check the status since I was curious, not knowing what the silence meant. She said they send out the card (or letter if not approved) within 7-10 days. Sure enough, just got home from a long weekend and it was in the mail yesterday. Yeah !!! Feels good to apply for things and be approved. So far my inq have resulted in new TLs (4 to be exact - don't think I want to do anymore as I'm happy with the mix of cards and CL). I'm at 661 by the way and they pulled EQ. Hope that helps! She was very nice on the phone and said they do limits from 300 - 1000. My limit is 400.
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08-02-2007
06:43 AM
Great info - Thanks you guys. By the way, it's 5 old accounts, not 51. Typo! haha I guess I'll just be patient and focus on the good stuff :)
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08-02-2007
06:15 AM
Do accounts fall of 7 years from the date of last activity? I have 5l old accounts from 1998 that have been taken care of in 2003, 2004 and 2005. Will these go away in 7 years from those dates? I've tried a few GW letters to get them to fall off, but I think I may have to wait until 2010, 2011 and 2012. Agree? Also, how much weight does this play on my 661 Fico - which has gone up thanks to things I've learned here (deletions, disputes, etc) Everything in the last 3 years is perfect. No collections, etc. I'm wondering if I shouldn't worry about these too much. Anyone?
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08-01-2007
09:22 PM
I really like these folks. They were just super nice, verified a few things with me on the phone and it wasn't long that my card arrived. Today I received a book on managing money written by a pastor, a pen and a bookmark. Last week I talked to my loan person who approved me for 1k (probably could have gotten more by reading various posts - but that's all I asked for) - and I asked her about refinancing my car at a lower rate and she said SURE ! So in about 6 mo., I will enjoy my membership to this Credit Union for yet another reason. My scores were 650 (now 661) and they were more than willing with my good job and good payment history in the last 3 years. All the garbage before that is paid and is falling off - thankfully. You should contact them. I'm very happy that I did.
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07-27-2007
05:57 AM
Anyone know the best way to dispute with TU? A few things that should be deleted are on my TU, but not on my other reports. Do I need to send in a letter via snail mail with my issues, asking them to correct? Thanks for your help.
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07-27-2007
05:31 AM
Mine dropped with inquiries and I bet once the new TLs hit, I'll see more of that for the short term. Mind me asking how you are able to pull all of your reports everyday? Doesn't that get expensive?
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07-26-2007
08:56 PM
This is really good info and by the way, you just make me laugh !!! Whores... bastards, ...hahaah , ok you didn't say bastards, but hey in this great time of be fico focused, a good laugh is worth 100 fico points!!! THANKS !
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07-23-2007
08:35 PM
um...what's MOV? Don't see it in the abbreviations list... thank you!
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07-19-2007
09:45 PM
I'm new and have only been on a little over a month - never have received a scorewatch - well that's not true, my name was corrected due to a dispute on one CR - but I've bought my scores just to check things and they have gone up and down. Any idea why I'm not getting the automated "watch" that I have paid for?
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07-19-2007
09:37 PM
Thanks - This forum is really a blessing. Knowledge really is power. Now I just need to not go on an app spree (feels good to be approved!) - and live smart. I can do it. We all can do it. My 20s were just a financial distaster. Now I'm 39 and I feel like I have a whole new lease on life. EXCELLENT.
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07-19-2007
07:56 PM
Thought people might want to know my scores are as of 7/18 - not great, but getting better!! TU 655 EX 638 (dropped 20 points I think because of inquiries -?) EQ 654 I actually did the BofA thing this morning because once my new accounts hit my report, it's likely that my score will drop for a while. So I didn't want that and be denied the bankcard that would help me in the long term - especially since I've been their banking customer for over 10 years. I hope I'm doing everything the right way. I spend hours on this site reading the wise advise from the moderators and contributors....... So very helpful. :)
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07-19-2007
07:43 PM
This forum has been so helpful. In a very short tiime I have learned how to approach getting good cards and how to approach GW letters, etc - all in the effort to have healthy fico scores. This past week I got confirmation on these: CCCU 1k Visa (great people to work with - great card) Hope to refinance my car w/them down the road. Target just called to verify my online app for the Target VISA - and I GOT IT !!! I thought it would just be a store card, but it's 500 limit VISA. Very cool with me. BofA - really wanted to see if I could get a 99/500 VISA so I can graduate from that and I got offered that today. Sent that off today. Amex is sending me the Oasis letter after paying my 19 year old account off 2 weeks ago. I just called them and asked if I had an old balance - it was my first card and I had NOO idea how I left it. I think I checked 'out' in my 20s. Paid them that day $1100 and they're setting me up with the Optima 500 limit. That limit won't ever change they told me today, but I can always get another card in time. THINGS ARE LOOKING UP AND ALL OF MY HARD WORK (2 jobs, anything to pay off my mistakes !!) HAS BEEN WORKING !!!! I am the poster child for sticking to your plan. My limits will go up. Fico forum rocks. KNOWLEDGE IS POWER BABY!!! (can you tell I'm a little excited?) hahah
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07-16-2007
08:53 PM
I keep reading about bumping up the CL upon activation... how do you do that?
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07-16-2007
08:44 PM
I got the same message and they called me and emailed me a few days later. They approved me for the 1k that I requested, EX 658 and we chatted about the "good" things as we all move forward. Really nice people. They asked me to fill out a form and fax them a copy of my ss card, which I've lost. Today I sent them the passport photocopy and my app, signed - and then went to the ss office (what an interesting way to spend the lunch hr!hahah).... and got the replacement card paperwork done. I had to feed the meter 3 x and then my # was about to be called and the woman went to lunch!! So I asked, if I'm next, can I pay the meter?... it was comical ... so another guy offered to feed my meter so I could be there to be called next. I held his bag and he ran to the meter with 2 min left. People are good. Really good. CCCU was great. I hope you also have a good experience. Good luck!
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07-16-2007
06:43 AM
Indeed! My second job on the weekends as a clown has really help me achieve my goals. Whatever it is, a 2nd job is a blessing. In my case, it just happened to be a very fun job! :) You can do it!
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07-16-2007
05:53 AM
Excel is all you need. Trust me. My plan of attack over the last few years was to have everything at a glance - I'm talkking every pay period for about 9 months out with excactly what's getting paid and when. I look at this every day and move things around as needed, but it's my plan and I STICK to it. In doing this, I have created a system that works for me and I've reached my goal of paying things off. Now I use my spreadsheet to continue to manage my $ and save whereever possible and to pay more than my monthly amts when possible. I couldn't live it without it. I wouldn't have been able to achieve my goals if I wasn't obsessed with sticking to it. Nothing fancy, just columns listing everything and adding. Nothing fancy.
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07-16-2007
05:49 AM
07-15-2007
11:09 AM
Thanks everyone - great tips from all. I think the annual fee (I can't recall the amt), but it's ridiculous with the low CL that First Premier offers, so yep, I just may cancel , enjoy my new cards. The two new cards combined have more CL - so now it will be good to age them with great payment history (I pay off most of the balance each month). :) I'm just sick of the fees associated with FP. And you're right, if I cancel and it's all paid, a positive TL , I'll be AOK.
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07-14-2007
09:26 PM
After just receiving the approval for AMEX and CCCU - does anyone know if it's going to be a big deal if I cancel my First Premier card which I've had for 2-3 years, only to establish perfect payment history? All has been great, but now that I have these cards on the way, and the annual fee won't hit unitl Dec., I'm thinking I should cancel First Premier and be done with the sub-prime world..... moving foward!!! I'm so excited. Any opinions? Will it hurt my score? One P card I'v'e had a few years - perfect. Another just in May 2007, but I didn't realize I would find this forum to help and end up with an Amex and CCCU, so now I'm wanting to cancel both cards. What do you guys think? Thanks everyone...
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07-13-2007
06:19 PM
I'm so excited! I'm working sooo hard to get away from the subprime cards, I just got approved today for the 1,000 CL that I requested at CCCU. They called me today and asked me some questions and were super nice! They said I had a great job (length, earnings), said my fico was good (they pulled EX 658) and we chatted about credit unions and what they offer. The card is 0 apr for the 1st 6 mo, 10% after that and NO ANNUAL FEE. She said just keep doing good things and to call in a yr asking for a CLI. I'm just excited. Amex, now this. I can finally get rid of First Premier! Woo hoo! This forum is really helping to gather good info in my steps to move forward. Thanks everyone!
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07-13-2007
05:51 AM
I don't know. That's a great question. I'm in WA and lived in CA in 1990. Does anyone know the answer?
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07-13-2007
05:39 AM
What can I say to dispute a CA Tax Lien from 1990? It's only reported on 1 CB (not all 3). Will it ever go away? I'd like to call them to see if they will accept the orig amt of $1200 instead of the $6000+ that they are asking for due to interest. The CR is only showing $1200 on TU. Ugh. It's the one big baddie that I have left and need to deal with. Any guidance is appreciated :)
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07-11-2007
05:40 AM
Previously I posted about not knowing if I could get an Amex card after troubles with them 17 years ago. After reading on this forum (and getting denied online - one of the reasons was due to a "previously closed account" - I called the number posted on these forums as soon as I got up this morning. I explained that I have no idea how I left the account, but want to pay it. It's not on my CR - because it's so old, but she was really helpful and said that I could pay my balance due of $ 1108.00 within 30 days and then they will issue a card for 1/2 of that balance. She said it's a great way to rebuild with them and in time I can graduate to other cards. I feel SOOOO much better now. Knowing that I've paid off my old stuff, but always knowing that I never made the Amex thing right - calling them was the best decision ever. It feels good to do the right thing. Always has. Always will. She said if I make the payment on the phone, it will post w/in 24 hrs and then 21 days from that a letter with the offer will come. Need to sign, return and then the card will come within a few weeks. So it won't' take too long. Thanks everyone for your help in researching how to talk to Amex. Have a great day!
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