Let me just vent for a moment, now I started my journey on 7/1/2002, began reading this board on 7/8 on 7/2 I spoke to the Credit Store who informed me that they had bought my Providian charge off and that they would give me a new card (visa) at the amount that I owe (680) and when I paid it off, I would have a Visa, I said wow, Since I cannot get a card anyway and I owe this money it is a win-win and I get a positive trade line. the guy also said they would completely delete the providian line (I know better now from reading this board, I will get it in writing next time, if the ever get that chance again.) But back to my rant, anyway They reported it on 8/2 as a new tradeline maxed to the hilt, so you see my score below on top of that sh*t, a collection was transferred to another collector after the first could not validate. See my score 1 collection added, 1 maxed out new tradeline added = Cost of 33 points. this card is getting paid off ASAP like tomorrow!!! And as for that F***ing CA. They are mine. Anyone got a beef with Reliable Adjustment Bureau, let me know the are on my hit list and they are going down. Mark my words inside of thirty days they are going down. I am so sick of These CA. Credit netters. Let their pain begin. There I feel a bit better. Anyway, does anyone have any ideas
Hi, I am glad you feel better. Give em heck. Capital One is famous for buying accounts also, and re-reporting them as new accounts that drop scores. Whatever you do, I sincerely wish you luck..........
Yep 30% of your credit score deals with % available of revolving debt. By putting a max cc on your report you will lose 30% worth of points in that category. At least by paying it off you will gain them back.
Picantel, Do you really think that if I pay the entire balance my I will get the points back. I am so HOT right now. I need a strong 600 before september. I want to buy a car.
Oh give you a hint about credit limits, Never think that you have a 500 credit limit, you only have a 200 credit limit. Keep that totally in your mind. You due date on your Credit card is not the 4th, its 2 Weeks before that. This will gain you 40-50 points in 3 months from my experience. As for the paid collection accounts. I would use the validation, cease communication(modified) with a you better delete that sucker or you ass is sued letter. Its not too hard and I would make damn sure that CA is licensed to collect debts in your state and theirs.
