Separate names with a comma.
Discussion in 'Credit Talk' started by kevin, Mar 12, 2001.
Barclaycard Arrival Plus® Credit Card
Earn 40,000 bonus miles after spending $3,000 in the first 90 days; that’s equivalent to a $400 statement credit!
CREDIT CARD WITH BONUS OFFERBarclaycard Arrival Plus
Credit One Bank®Cash Back Rewards
Credit card for people with bad credit! 0% intro *APR for 15 months on balance transfers. $0 intro balance transfer fee for transfers made in first 60 days.
BAD CREDIT CREDIT CARDCredit One Bank® Cash Back
Barclaycard Arrival Plus®
2X miles on each and every purchase. 5% miles back with each redemption!
primor® Secured VisaClassic Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit. Guaranteed approval*!
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Barclaycard Arrival Plus® World Elite Mastercard®
Pay 0% interest on balance transfers for 12 months*!
The loan payoff may help a little, but I'm not sure about the cell phone bill. The reason is that for the next 7 years it will show that you had a 90-day late payment(unless you can talk them into removing the late). Anyway, a 90 day late on your report that is recent will hurt you for a while. As time goes on it hurts your score less and after 2 years it barely affects it at all. You'll gain a few points about every 6 months as that late pay fades away. Are you sure the bill was reported to the CRA? Was it to all 3 or just one CRA?
the cell phone bill was reported to experian (595 score) and to equifax (607). it was not reported to tu (666)
Historically, and with the exact same info at each bureau, your FICO (Experian) is always lower than your Beacon (Equifax), which is usually always lower than your Emperica (TU).