In the past week I've been approved for Amex Citi Best Buy Target Visa Chevron and two weeks ago didn't even see a light at the end of the tunnel...boy does credit change fast!!! Most happy about Amex & Citi...really didn't think I'd be with the big boys even this year, seemed like I was stuck in subprime hell for ever! Anyway, all I really wanted was amex & citi...just doing the retail sections for fico scoring...wanna get everything I need and then just sit back and let it age.... Just wanted to share my enthusium with everyone and give a big THANK YOU to creditnet!!!
Amex Delta Sky Miles....standard...14.74% which I'm thinking about product transferring...just wanted my foot in the door...don't know the limit....they're sending it with the "membership" package...so will let you know. CitiAA...don't know or don't remember APR but limit is $3500...once I receive the card will call for platinum select... Target Visa...15.9% which is much better than the 21% I had with the guest card... Best Buy...they offer 0% financing for 3-6 months...instant approval was for $2500...called and got another $1000 Chevron is I (think) 21% or right around there and the limit $600 Anyway, this was my credit portfolio before... First Premier Bank $250 Cross Country Bank $1250 originally $350 Cap1 $1900..originally 200 Target Guest Card $700...originally $200 Getsmart(Providian) $500 I think I need to go buy a NEW WALLET...don't need to hide my credit cards because I'm embarrased anymore!!!! YIPPEE
SEARS Online app. instant approval for $450...huh...is it always so low...didn't apply for MC..but the store card to help ratios...has anyone gotten an increase right away? OK...now I'm done applying...sitting back and aging while disputing EXP & TU.... In 7-10 business days I'll be getting alot plastic in the mail!!!
My best score 1 yr ago...on experian was 540...now it's 647 equifax was 525 now 700 TU (brace yourself) 385...now low 600's
What did you do? I have 9 paid collections on my experian (old cable bills (2) , loan company (2), utilities (3), medical (1) and old rental bill (1) 3 paid collections on my equifax (for utilities and medical) 3 paid collections on my transunion(for utilities) and several inquries on all three? do you have any suggestions? my credit scores are equifax 607 experian 556 transunion 587
I did whatever anyone told me to on this board...LOL For the most part, I disputed with the CRA's until recently... That last collection account I sent a validation back in January....no response...sent second....no response...then I did an estoppel...they called my new work...immediately from the advice on this board faxed an estoppel...haven't heard from them since....but it was deleted from equifax, hence the 616 to 700 within two days literally.... Anyway, it's frustrating just stick too it...it seems it'll never be over and then BAM...HELLO PRIME!!! That collection is still on exp & TU...don't know exactly what my next step is...right now I'm lying back and enjoying a little taste of PRIME...BIG SIGH OF RELEIF!!! I was in the same boat....my collections showing were utilities and medical/dental...moved states and you know what happens all insignificant amounts that are detramental!! I did have a charge/off showing on an account that I was an authorized user on...ironicly I sent a letter to them (citibank) to have them remove an inquiry...they removed the charge/off account and sent a letter BONUS...that's back in the beginning while I was using Lex and decided while they were working on the accounts I'd hit the inq! well it worked!! BTW I only used them a few months and don't recommend them, I think had I been onmy own w/ this board, I'd been a few months ahead!! good luck, hope that helped/motivated at least a little bit!!! there are great people here so if ya wanna know or need help....JUST ASK.
Should of read my reply first...minor correction... sent estoppel then they called my new job...faxed a C&D letter immediately....sorry for the confusion
