Question for PSUGirl, please?

Discussion in 'Credit Talk' started by Marypc, May 1, 2001.

  1. Marypc

    Marypc Well-Known Member

    Hi :)
    I noticed a post of yours on 4/29, where you said that you had multiple late payments for MBNA in 1998,and that you had successfully had them removed from 2 CRA's. I am in the same boat! If you would be so kind, could you please explain to me how you got them off? I have disputed mine a few times, and they are always verified.

    Also, I read that you got the GM//Household Card. I currently have a FICO of 610-630 (It jumps around a lot in that range:) and I applied for Household online, but was told they would advise me within two weeks. If you dont mind my asking, did you apply on line, and did you get that message? I am inclined to think I will be denied, but dont want to lose all hope.

    Thanks for your help
  2. PSUgirl

    PSUgirl Guest

    Hi, Sorry that I took soo long to respond...finals, and work!

    Anyway, Your question was "how did I get rid of late payments with MBNA"

    -I didnt get rid of any late payments with MBNA. I just got them to change "account closed at credit grantor request" to "account closed at consumers request." I got that success by filing a complaint with

    Your second question was about the GM and Household card.

    -I never asked what report was pulled when i applied for both. Trans union, best.. experian, worst , equifax, near experian but not as bad.

    I just got the guts to apply online for the household mastercard and i was approved instantly with a 1500 limit. I sucked it in and applied for the GM card. I recieved a system error, so I called the next day... number i called: 1-877-277-0948 and they were able to confirm that my application went through and that i was approved for the GM with a 1500.00

    They also confirmed my approval on the household mastercard.

    I think it was just luck!

  3. Toothman

    Toothman Well-Known Member

    Congratulations, PSUgirl!! I've been following your credit repair journey and I'm happy for you.

    I had finals last week too. How did you do?
  4. PSUgirl

    PSUgirl Guest

    Hi Toothman,

    and, thank you!

    I have one more final to take, tomorrow!

    My friends and I have already made plans to get wasted Friday night! and I cant wait. But, is not like I have a summer of fun to look forward too!

    More Like:
    -A full time job (MBNA!)
    -An Internship (MBNA!)
    -A Management class
    -A fitness instructor training class

    But, to answer your question...I've done really good so far! its only down hill now. The exam that I have tomorrow is simple!

    What school do you go to?

    I hope my experiances, with credit, are helping you out any!

    I will continue to keep you posted on any information regarding my credit.

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