Am I on the Right Track?? Anyo

Discussion in 'Credit Talk' started by Reshod, Nov 5, 2000.

  1. Reshod

    Reshod Well-Known Member

    Hell everyone, I am wondering if I am on the right track. I have enlisted the help of Junum.com to take care of the collection. But I always receive a verified status. I have been with Junum.com since early April. They have managed to delete a couple of inquiries, vut i could have done that myself. Which of these accounts, need to be closed?

    Card Limit Date

    Collection (paid) 250 (Jul 95)
    AAFEE (open) 1000 (Nov 96)
    Andrews FCU (closed) 1500 (Feb 97)
    Andrews FCU (closed) 2100 (Jun 97)
    Capital One (closed) 300 (Nov 99)
    Car Loan (paid) 15K (Nov 99)
    Andrews FCU (paid) 13K (Mar 00)
    USAA Mastercard: 2500 (Apr 00)
    Benefical (Installemt) 1051 (Jul 00)
    Credit Union Visa: 750 (Jun 00)
    Target: 200 (Jun 00)
    Credit Union Loan (paid) 705 (Aug 00)
    Chevron: 400 (Aug 00)Citibank AA: 1000 (Sep 00)
    Discover: 1000 (Sep 00)

    I am not applying for anymore credit for the next 6-8 months, so that I can allow room for the prime cards.

    Thanks in Advance,

    Reshod
     
  2. roni

    roni Well-Known Member

    RE: Am I on the Right Track??

    I am not too sure what you are asking.

    Reshod wrote:
    -------------------------------
    Hell everyone, I am wondering if I am on the right track. I have enlisted the help of Junum.com to take care of the collection. But I always receive a verified status. I have been with Junum.com since early April. They have managed to delete a couple of inquiries, vut i could have done that myself. Which of these accounts, need to be closed?

    Card Limit Date

    Collection (paid) 250 (Jul 95)
    AAFEE (open) 1000 (Nov 96)
    Andrews FCU (closed) 1500 (Feb 97)
    Andrews FCU (closed) 2100 (Jun 97)
    Capital One (closed) 300 (Nov 99)
    Car Loan (paid) 15K (Nov 99)
    Andrews FCU (paid) 13K (Mar 00)
    USAA Mastercard: 2500 (Apr 00)
    Benefical (Installemt) 1051 (Jul 00)
    Credit Union Visa: 750 (Jun 00)
    Target: 200 (Jun 00)
    Credit Union Loan (paid) 705 (Aug 00)
    Chevron: 400 (Aug 00)Citibank AA: 1000 (Sep 00)
    Discover: ....
     
  3. Reshod

    Reshod Well-Known Member

    RE: Am I on the Right Track??

    I am trying to see if i should close any of these accounts? Also, I want to konw if i am on track for getting these real prime cards?

    Reshod



    roni wrote:
    -------------------------------
    I am not too sure what you are asking.

    Reshod wrote:
    -------------------------------
    Hell everyone, I am wondering if I am on the right track. I have enlisted the help of Junum.com to take care of the collection. But I always receive a verified status. I have been with Junum.com since early April. They have managed to delete a couple of inquiries, vut i could have done that myself. Which of these accounts, need to be closed?

    Card Limit Date

    Collection (paid) 250 (Jul 95)
    AAFEE (open) 1000 (Nov 96)
    Andrews FCU (closed) 1500 (Feb 97)
    Andrews FCU (closed) 2100 (Jun 97)
    Capital One (closed) 300 (Nov 99)
    Car Loan (paid) 15K (Nov 99)
    Andrews FCU (paid) 13K (Mar 00)
    USAA Mastercard: 2500 (Apr 00)
    Benefical (Installemt) 1051 (Jul 00)
    Credit Union Visa: 750 (Jun 00)
    Target: 200 (Jun 00)
    Credit Union Loan (paid) 705 (Aug 00)
    Chevron:....
     
  4. roni

    roni Well-Known Member

    RE: Am I on the Right Track??

    The reason that I ask is that you have listed 12 accounts. Of those 3 are listed as "closed". Four are listed as paid. And I would assume these are closed because they are paid. That leaves 5 accounts. Forgive me but I dont know what "AAFEE" is or stands for. Can you help me. I can be dumb sometimes. USAA mastercard, I assume is a mastercard but I wish I knew the bank and the rates. Is it a prime or subprime bank.
    I know what target is. So ok, Since you only have listed 3 other revolving tradelines I can see you closing it. Your installment loans cant be closed until you pay them right. So you cant be asking should you close those. So, If I am understanding everything right you only have 4 tradelines that you could even close. That would be:

    AAFEE $1,000 limit opened 11/96
    USAA MC $2,500 limit opened 4/00
    Credit Union VS $750 limit opened 6/00
    Target $200 limit opened 6/00

    If you are asking if you should pay the installment loan with beneficial early, I would have to say no. You need to show many months of ontime payments to fully benefit.

    FYI: I dont know what you mean about Chevron, Did you get one, are you waiting to get one. Or what??

    The revolving trades are all too knew to close and the AAFEE account is the oldest one and you cant afford to close it. You need the length.

    So,the answer to your question is NO. Dont close anything.

    Roni.

    Reshod wrote:
    -------------------------------
    I am trying to see if i should close any of these accounts? Also, I want to konw if i am on track for getting these real prime cards?

    Reshod



    roni wrote:
    -------------------------------
    I am not too sure what you are asking.

    Reshod wrote:
    -------------------------------
    Hell everyone, I am wondering if I am on the right track. I have enlisted the help of Junum.com to take care of the collection. But I always receive a verified status. I have been with Junum.com since early April. They have managed to delete a couple of inquiries, vut i could have done that myself. Which of these accounts, need to be closed?

    Card Limit Date

    Collection (paid) 250 (Jul 95)
    AAFEE (open) 1000 (Nov 96)
    Andrews FCU (closed) 1500 (Feb 97)
    Andrews FCU (closed) 2100 (Jun 97)
    Capital One (closed) 300 (Nov 99)
    Car Loan (paid) 15K (Nov 99)
    Andrews FCU (paid) 13K (Mar 00)
    USAA Mastercard: ....
     

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