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Discussion in 'Credit Talk' started by roni, Mar 12, 2001.
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woo hoo roni, time to party. Go get some of the crotchless stuff
This post is most likely NOT from Roni!
It sounds like the work of our imposter - ignore it.
Actually it was from me. Sorry if my reference to a lingerie card made you blush, Dave. Follow the post, I applied about 10 days ago..
hey Roni, where'd you apply? I can't find it on their website.
1-800 888 8200. I called it.. The application # is under customer service section. I was scared to apply in the stores. It was a quick phone application. I applied like 10-14 days ago.. AFter Target.
RONI: are you off the wagon now???
MY 4 DENIALS PUT ME ON THE WAGON...
Congratulations sorry for assuming it looked mighty suspicious.
I have been having much success. But I am back on the wagon because I found a home I want and I need to stop the inquiries for a little while. At least this time my applications have generated some approvals... And I have a Maybe from Macy's...WOW!lol
It's OK Dave...
......and understandable, considering.
Re: It's OK Dave...
I have seen, and thats the reason I thought it might not be you. You are getting lots of good approvals! Even in last month! Lookin good!
I hope one day....
Re: It's OK Dave...
What bank if the VS card from? You've got me wanting one now!
Good for you girl , Now jump back on the wagon and prepare for your new townhouse
okay, I think it's great that Roni is rockin and rollin on the ccards but is getting all this new credit bad? Doesn't it lower your score?
It seems like I've read a lot of "one department store/retail card" is what is suggested but should I get more to build more credit?
We plan to buy a house at the end of summer.
Ugh! Questions Questions
(in other words should I apply for more cool store cards or stay with my sears and pennys?)
If you are going house hunting (end of summer)...DON'T apply for anything until after escrow closes, unless you ONLY have JCP and SEARS, then I would go for an AMEX or DISCOVERCARD, or VISA/MC.
ALSO, IF YOU CAN, PAY AS MUCH AS YOU CAN ON CREDIT YOU NOW HAVE
(HIGHEST INTEREST RATE FIRST) WITH-OUT LOSING YOUR DOWN PAYMENT.
I closed 4 accounts recently. That is one reason that I felt that I could get credit now. I had recent accounts when I applied for the Wells FArgo MOrtage in January. My new accounts were capital 1 8/00, Chase 8/00, Citibank 9/00 x 2, speigel 10/00, new car 9/00. They only asked that I write an explanation letter for all the recent inquiries.
Huh...okay. I have a total of 4 v/mc cards that are either mine OR I'm an AU on (2 of each)
I also just now got an AU Sears (haven't actually got the card yet)Joint Penneys.
Car loan 01/00
Deferred student loans 10k
Closed Speigel (I never used it!)
It was opened in 95 I wonder if they'll reopen the same account since it's still showing open on some credit reports? According to them it's closed due to dormancy.