After disputing my only 3 derogs, my Beacon jumped from 575 to over 680. I'm thinking of applying for Discover while my FICO is higher. If I apply online, is the decision instant? Are some online CC apps instant while others are not? I'm just trying to give myself the best chance of approval with a company that pulls Equifax in my area (I know Discover does). Will this work? Thanks for the help. This board is a wealth of info. Scrivener
Hi, Good luck if you can make it happen. (I don't mean that in a bad way). I am wondering if the card company can see that the accounts are in dispute and decline you because of that? Well, either way it goes, I wish you luck..
Be careful . My credit card will check the Credit report periodically to see if the can raise my interest to 24% or cancel the card if they find that I have not paid my bills on another account.
Thanks for the heads up. My 3 derogs are all paid charge-offs from about three years ago. I just got one deleted, but will take a few weeks to show up. Hoping I can get other 2 deleted in a few months or so. Anyone else have success applying while disputing? Scrivener
Yes anyone please I will soon have only Student Loans and need some CC tradelines. To to be blunt, Stop looking and answer. LOL
There are some people who did that, but when the CCC did AR afterwards, they jacked the APR and in some cases closed the accounts. They review pretty often, and if they see derogs, or other stuff that makes them nervous, they pretty much cut you off.
Breeze my derogs are primaly student loans and for the next year as far as I know they are not going anywhere. Unless someone has figured out how to take those bad boys out. also I have noticed that those bad boys hurt your score tremendously Do you have any suggestions as to what to do?
Can you say, "hijack"? LOL (I added the LOL so I don't seem like a total jerk, but seriously...) Anyone have success with applying while disputing? If so, which card? Thankoo, Scrivener
You might do a search for this topic under Sam's name. He has done this several times. If I'm not mistaken, he has done this with, Amex Delta Skymiles, Citibank and 5 Star Bank (AFBA) all with approvals.
