I would have to say that if you have never heard of this company, and there is nothing on the BBB's website(which I checked as well, and there is absolutely nothing listed, and I was able to check via name, website url, phone, and email) then I is probably not a legit business, and I would run--not walk in the opposite direction!!!  Hopefully you have not given out any personal info...good luck!!!     ... View more

I will share my experience...I opened a cap 1 card back in August..my card was enrolled in credit steps, whick kicked in @ my 4th statement.  2 weeks ago, I called and asked when my acct would be eligible to receive a 2nd credit steps increase, and the rep told me that I was only eligible for the one that I just got(boo), but he said to wait about 6 months and call to ask for a CLI, so I am going to wait until June/July and see what heppens.  By then I will have all my cc's paid to $0 and my scores should be alot higher than they are now... ... View more

  @Anonymous wrote: You most likely will be able to get another Citi CC. Many others have been able to - including me. I can't tell you how long you would have to wait. It is possible you might have to wait until the TL is off your CBR's.   Thanks for your reply.  This card has not reported at all since 2005. How long did you have to wait before you got another card, and what were your scores and starting CL (if you don't mind me asking)? ... View more

As far as I know, cap one  did away with their secured card at least 10 yrs ago. ... View more

@dopey7717 wrote: nmorton79 ------>  Thanks for making me smile with your comments & your cheerleading.  At the top of my list of bills I'm writing YOU CAN DO THIS!!!!  :-) Message Edited by dopey7717 on 12-20-2009 02:35 PM Message Edited by dopey7717 on 12-20-2009 02:35 PM Aww...you're so sweet...I just always try to be uplifting...we are here to help each other... ... View more

@Gotons wrote: So, after reading the forums about this CA and how easy they are to work with, instead of mailing my PFD letter, I emailed the letter to two e-mail addresses.  This is for a BofA chargeoff from 11/04 for $149.00.  I saw that they are usually willingg to accept a portion of the amount owed and still delete the listing with the CRA's.  I decided I would be bold, and offered them 50% if they would PFD. Within the hour, I got read receipts for both of the people I emailed.  Two hours later, I got a digital letter I could download from them stating in return for the 74.50, they would delete their reporting from the CRA's.  The invoice they gave me told me I had until 12/5 to pay it!   Sweet!! Good afternoon....can you please send me a pm with the email info that youused to send your letters?  I would like to do a PFD as well...Thanks a lo, and I hope that you have the most wonderful holiday!!! ... View more

Me...6 cc's         3 sl's   DH...2 cc's         1 AU         1 car loan ... View more

@dopey7717 wrote: Thank you all so much!  This is encouraging.  I just sent a deposit via western union to Public Savings Bank for a secured credit card.  I'm planning on starting the new year off right with my credit.  I have many, many medical bills ranging from $34 - $5000 from a surgery I had to have in 2006 when I didn't have a  job or medical insurance.  They're all on my report along with charged-off credit cards from 3-5 years ago, plus my student loans (that are deferred) and of course my recent voluntary car repossession.  I just stopped one medical bill from reporting by paying it yesterday....I know it may seem like no big deal, but it did make me feel a little bit better about myself.   I'm happy when I'm able to pay my bills which is odd to my family.  I come from a family that is poor & not finanically responsible.  I only learned from reading books and watching finanical programs that this is not a good way to live and that I'll NEVER own anything of my own with that kind of thinking.  For example, they would have told me NOT to pay that medical bill and to instead do something else with the money.  That's how I was raised....to not worry about a bill if they can't take something away from you.    I currently have a couple of loans from those high interest (300%) personal loan finance companies in which I'm in a deadly cycle.  I did this when my car was wrecked and I had to pay my $1000.00 deductible (I know, I've lowered it).  So I'm trying to figure out if it's best to pay them off first and then concentrate on my credit report or vice versa.  They are now offering to loan me more money for Christmas...but I'm not taking the bait.   So there's a brief history of how I got into this mess....just plain ignorance of money, loans and credit.  I've had to learn the very hard way.  I really wanted & needed that job that I was denied because of my credit.  My famly can't understand, but I know for a fact that my credit rating is important and it does matter if I am ever going to have satisfactory life.  I don't want to be poor forever and I don't like having to rely on loan sharks like check cashing places and title loan companies to get by.   I had a similar upbringing, and for awhile, fell into the same cycle.   I started to get serious about my credit in 2006 when I realized it was time for my family to get a house.  It was around that time that I found myfico after watching Suze Orman on QVC and buying her fico kit, and the very first time I pulled my EQ score it was 401!!!  I have not been on my grind like I should have so my scores are just in the mid to high 500's now.  I am going to be working real hard now to pay down my cc debt and work on a few loose ends, and then my scores will be mortgage worthy.  It will take time, but, YOU CAN DO THIS!!!!! My husband and I have been cleaning up our credit for the last 3+ years.  We know we are really close to getting a house because it seems everything is just begining to fall into place for us.  It is a long road, it won't be easy, and sometimes it seems like there will be no light at the end of the tunnel, but you have to keep at it and think positive.  Speak it into existence.   If you speak the victory, then you will have the victory!!!!!   As far as your medical bills go, you might want to try your hospitals charity program (they should have one...I have never known a hospital to not have one)  Even though your bills are from 2006, you might be able to get some assistance if you can prove that you had no income or insurance at that time.  It might not work since its been 3 years, but it certainly does not hurt to try.    I have learned so much from these forums, and I am sure you will too.  Ask lots of questions.  There is no judgments here.  Most, if not all of us on these forums are here because we were/are in the same boat.  I wish you the best of luck...YOU CAN DO THIS!!!! YOU GOT THIS!!!! ... View more

@IOBA wrote: I don't understand your question...   If a CA sent you a notice, you should DV for the supporting docs.  I'm asking about a debt that I know I owe.  I'm asking if it is necessary to use the hipaa process, or is it ok to just ask for PFD?  Sorry if I sounded confusing... ... View more

I have talked to quite a few different lenders,and they all say that judgements need to be repaid in order to get approval.  Good luck!!! ... View more

No takers, huh...well thanks anyways ... View more

@Anonymous wrote: @I'm so sorry you got into something you weren't aware of but I believe they have always charged an enrollment fee =(  I know they did for me when I first got the card 3 years ago.  $69 for enrollment + $5.75 Monthly billed annual fee = your $75 first balance.  I know that isn't what you want to see on your statement as soon as you get a new card, but I also have this card and at least you're getting the better end of the bargin!  When I got the card in Jan 2007, I paid the $69 enrollment fee and had the $69 AF (billed monthly @ $5.75 like yours) but January of 2009 they changed all of us current cardholders' AFs to $78 (billed @ $6.50 monthly).  Well..... Now coming this January 2010, they're hiking it up to $99 AF (billed $8.25 monthly) AND also as of January 2010, there will be NO grace period.  I just love how they treat the current customers like dog doo but still offer new customers great (ok, not great, but better) deals!  *sigh*    I truly hope they let you keep your $69 AF instead of raising it up every year like they have for me and many other Credit One cardholders.  This is a card I will not be sorry to say goodbye to in 2010.  -Mizu So...are you saying that come Jan 2010 if there is a balance, it must ne PIF by the due date? Than the card will basically be a charge card...wow...I also have a credit one card--since 04/2008...I guess I should really pay attention to my statements because I forgot about the $69 fee, and I had no idea that the monthly fee went up to $6.50...Boy I can't wait to say good riddence to this card... ... View more

Aww guys, all of the pictures are just so wonderful!!!!  Hopefully, I will be able to post my pics in about 6 months time!!!! ... View more

@Anonymous wrote: My BoA Secured Account is approaching 9months mark on Nov 23. I can't wait to call in that day to get it upgrade!! Anyone else is waiting?       If you have any luck, please let me know...I have talked to 3 CSR's this week and they all say the rule is now(as of about a month ago) 12 months before the card can be unsecured.  My card is 9 mos on November 13, and I have been anxiously waiting for November 13, but now it looks like I will have to anxiously wait until Feb. 13, 2010 Message Edited by nmorton79 on 10-29-2009 07:11 PM ... View more

Wow!!!! Thats great!!! Mind sharing what your process was???? ... View more

I belong to both NC SECU(state employees credit union) and Coastal FCU in the Raleigh, NC area...They both seem to be pretty good.  I haven't tried any credit products yet, as I am trying to get my EQ score above 600(almost there, tho!!!)  I was told by a CSR @ Coastal (just last Friday) that just about every cu in the Southeast uses EQ exclusively for pulls and reporting...thats the only bummer... ... View more

@Anonymous wrote: I plan to just mail in payments every week or two to avoid the eight dollar fee. When you call and press 4 does it do a hard inquiry or soft inquiry for the CLI?   Hey okstatefan...I use my BoA's online bill pay, and it doesn't cost me a dime...I had to manually enter creditones info in the beginning because its not on their list of cc's and their earliest time that credit one would receive the payment is 4 bsiness days from the time that I set it up, but it works wonderfully and I have never had a problem with it.  ... View more