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since
11-30-2007
11-17-2021
fishbjc
Senior Contributor
3715
Posts
199
Kudos
02-12-2020
08:54 AM
3 Kudos
BK is way too new. You're never going to reach those high scores until that's far behind you. 8.9% is your goal. Yep, it's difficult to wait, but that's how it is.
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01-07-2020
09:10 AM
YMMV, paid two of husbands off and received 15 points. Beats a kick in the arse!
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12-20-2019
10:39 AM
1 Kudo
I think they will take care of it for you. Just be honest.
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12-20-2019
10:33 AM
1 Kudo
It's been a long journey, but it will be so worth it. Taking ownership and working hard just feels so good! Congratulations!
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12-20-2019
10:30 AM
It doesn't look good to owe (and be near limit) on two new cards. You really have to get spending under control FIRST. This sounds 'harsh', but it is what needs to happen.
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12-06-2019
10:03 AM
2 Kudos
Just remember: You're 28 (still young) You're learning. You're applying knowledge, which can never be taken away from you. Set goals and keep working toward them. Before you know it, you'll have excellent credit scores AND the knowledge to keep your scores up. Share that knowledge.
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12-06-2019
09:51 AM
1 Kudo
Happened to my husband recently. Score dropped, but rebounded the next month nicely after it reported as current. Try goodwill, be open and honest. it may help you.
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12-06-2019
09:49 AM
Well, I think you deserve kudo's for being one of the parents who are actively searching for a way to get caught up. My cousin, not-so-much and it just ticks me off royally. Do you have someone who could co-sign? Parent? Uncle? I'd stop into a credit union and see if they can help you. Good Luck!
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12-06-2019
09:45 AM
1 Kudo
You had to go mention the '08 crisis. My head still hurts from it!
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12-06-2019
09:08 AM
Use it for three months. Keep it paid in full, and I would ask for a cli. Warning! I have been declined every single CLI with my scores in the 700's....then the following month it just appears as an increase. They do some weird things, lol.
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12-06-2019
09:05 AM
1 Kudo
WALK! Exercise. Make a plan. Talk to a friend. Take a bubble bath. Read a book. Happens to all of us, and you're not alone. The Holiday season is expecially stressful for many. Volunteer work can really provide you with a good feeling. Fostering an animal is also a great way to spend time. I find when I GIVE, it just makes me feel better!!!! Cyber hugs to you!
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12-06-2019
08:57 AM
Because your credit score has tanked. Let's say you apply for a mortgage. You will never receive their lowest rate, so in interest alone...it's going to cost you a lot of money. Same as auto insurance, loans, other credit cards, car loans. The list just goes on...... It's going to cost you $$$ from YOUR pocket because it's your score/card. Sorry this happened.
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10-03-2019
10:27 AM
We really need a class action suit against TU. Barclays removed lates and TU is just failing to cooperate!
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09-13-2019
09:06 AM
1 Kudo
Here's a surprise OP. When you turn 29, and 30....your credit scores will be way higher than they are now. Read the forums. Take notes, follow advice and you're well on your way. Don't beat yourself up about this!!!! People MAKE MISTAKES. What is most important here: You're learning now and won't be repeating them in the future. Forgive yourself, only then can you move forward in a positive light. I recently found a p/t 'job' from home that nets me a ton of $$ each months. I've paid of $6700 worth of debt in just a few months. You CAN do it also.
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09-13-2019
08:59 AM
Is the jewelry card an Authorized User account, or joint? If A/U, get removed IMMEDIATELY.
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09-13-2019
08:57 AM
1 Kudo
Get IN FRONT OF THIS NOW. Call. Make an arrangement. Ask for validation. Could be an internal error.
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09-13-2019
08:55 AM
However, once your report catches up next month and it's paid, your scores will climb a bit.
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09-13-2019
08:55 AM
JMHO, but for $8....I think it's ridiculous, but it is what it is. I would write them a goodwill letter, plead my case and keep trying......
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08-05-2019
08:13 AM
11 Kudos
Actually put this card on ice, but decided to hit the luv button. Went from 2500 to 9000. Good for utilization, but with my increased debt repayment, I should see a nice jump shortly! Thanks for the inspiration!
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Labels:
08-02-2019
09:41 AM
1 Kudo
after making an error for a reaccuring yearly fee for a subscription, the account went to 120 days late. Barclay's granted the goodwill request on the first try. Waiting on Transunion to update. My sis is thrilled! It was a 100+ loss, then a regain on two. Transunion is well past the 30 days, so may have to tickle them a bit.
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Labels:
07-19-2019
07:26 AM
1 Kudo
Send me a PM. I can help you with the removals of the medical debt.
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06-27-2019
09:48 AM
The MTG Officer may have an issue with those recent lates. One can be an oversight and can happen to anyone, however, multiple lates are NOT a good thing. Have you tried to write Goodwill letters to try to get them removed from your reports? Can you list who your baddies are with and how recent? We may be able to help you with contact numbers, etc.
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06-25-2019
08:07 AM
you've been given the information. You want the easy way out. Nothing is easy.
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06-24-2019
10:36 AM
1 Kudo
Clare, it's ok. You're out of a violent situation and things are improving. Get that medical collection removed. Send me a PM to discuss how to make that happen. Can you offer that dental one a PFD??? Really, it's people like yourself who have been to hell and back, who need our support. Please follow everyone's instructions and you will be rewarded with financial health. I promise!
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06-21-2019
07:23 AM
1 Kudo
I opened two NFCU accounts, both were at $1,000 unsecured. Within two years, I'm at 8500 and 10000 I'd go for it.
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06-19-2019
08:05 AM
3 Kudos
Good Plan OP. I bet in 6 months, it will be an APPROVED.
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06-10-2019
08:58 AM
1 Kudo
Nope. I did, however, receive a letter detailing WHY they don't provide gw unless it's their 'fault'.
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