Hi all! We had a GREAT trip to the Mailbox! We applied for the Chase Walmart Visa and got the we will let you know by mail crap. I thought for sure we were denied...NOPE! 2500.00 CL. Target came 1500.00, Sears 1200 and another letter from Citi welcoming me. So in 3 months of credit repair (this is all Hubby (notice I say we..lol) but I worked on his first so mine is coming! Citi silver 5,000 Citi gold 7,000 (will do bbd) walmart visa 2500 sears 1200 target visa 1500 something in there about a smart chip reader. What is that? Anyone get 2 letter from citi welcoming them for the same card? He got 2 for silver (last week) and the one for gold today. This is all we need for the time being and I think this should bring his scores up after they report for a bit.
Thanks KHM Is that a good mix there? I wanna get it right here. We are so used to NOT having them I want to use them VERY wisely to get those scores boosted for when we apply for a new mortgage.
Is that all that is on hubbys report? Did you put you down as an AU on the Citi card? I got my citi card 1/12/02 they were reporting it by 1/16/02 and they started reporting hubby as an AU yesterday. IF thats all hubby has for CC's I would get ONE more department store card. Other than that sounds great. If he's just now getting these accounts this month, I would say his score is gonna go down for 6-12 months. (too many new accounts). If you can dsipute those inquiries (minus Citi) before they start reporting! Again CONGRATS!
KHM- I am afraid to have him put me on there. I have a charge off with them from 98. I just dont want them to come a get me. LOL
Whats the SOL in your state for them to get a judgement on you? I wouldn't worry about it either way, I put hubby on my Providian (oldest acct) and he had a 2 month old charge off with them when I did it. When I put him on as an AU for Citibank they NEVER asked for his SSN#, they will just add it to your report based on address and matching last names.
Really? I was also worried if I did it then they would deduct what I owe from his card. The SOL in my current state is 6 years. However, I am moving soon to where it is 3. I still am not clear how the SOL would work. I have been told that the collector can sue in either state, but I would be living in a 3 year state and dont they have to sue near you? I know loads of questions..sorry
