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Got Bad Credit?? Need It Fixed??


 
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 8 years ago '09        #351
mtva24 229 heat pts229
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 rek0nize said
The bank of america card is through HSBC just like Orchards. That Navy card isn't offered anymore from penfed.org
Why would B of A's card be through another bank? It says that card is administered through Fia Card Services N.A. not HSBC... And why is the Navy FCU card still on their website?


Last edited by mtva24; 03-31-2011 at 11:32 PM..

 8 years ago '10        #352
rek0nize 66 heat pts66
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I was speaking of penfed.org and their Credit Union's Secured card. Just a mix up with the one you're stating. I was thinking they were the same for some reason.

The one I'm looking at is through HSBC. Because every card isn't through the company you see on the card. HSBC are the lenders for a lot of other corporation's cards and partner with quite of few people.

 04-01-2011, 11:59 AM         #353
feardafoot 
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 rek0nize said
So you have a total of 74,000 available total credit you could use and only 1,500 total in used credit?? If so that is GREAT.

18 Inquiries in 2 years is a LOT to have, creditors look at that when determining giving credit, they a.ssume you're trying to get a lot of credit and view it as a risk.

May I ask what the one derogatory is??? That could be the problem depending on what it is. If not I got a strong idea what it is that is getting you denied.

Let me know..
The 74k is total debt. 40k left on mortgage, 28k left on car note, and the other 5 open accounts (personal loan, jewelers, hardware place)

Im guessing the 1500 is revolving balances. The 1 derogatory is on all 3 branches and its verizon wireless. Reported in 2004 i have paid it in full but it reports (collection) It shows i have paid it but it is derogatory because of the collection.

It could be all the closed accounts on my report. But they all show paid on time and in full. Also it could be the jewelry, hardware, and personal loans. The jewelry account has a 0 balance now with a 3,500 limit. Hardware is also 0 balance with like a 1,000 limit. There is also a HHGregg card i have too. Electronic store with a 0 balance also. Limit i think is 1,200. I have no idea what to do. It funny i get denied for all credit cards. I had balances on all those small accounts and my scores never really changed much so that cant be it.

I do show 2 lates on my house note from 2 years ago. Account is in good standing but the 30 days late is shown.

The inquiries on Equifax came when i got my M3. I guess they sent it to multiple banks and all of them went through Equifax. Also i have applied for credit cards in the last 2 years. My scores are almost mid 700's all the way across and i got a 8.9% interest rate on that M3. I thought it shoulda been lower


Last edited by feardafoot; 04-01-2011 at 12:01 PM..

 8 years ago '10        #354
rek0nize 66 heat pts66
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That's honestly an excellent score and good credit you have going on.

Yeah closed accounts wont harm your report, although it's best to keep them open to up your total available credit to debt ratio, and I'm thinking that's where your problem may lie.


Revolving Credit is the hardest thing to get. Cars and home's you can find SOMEBODY to give put you in either if you have somewhat decent credit. Especially since the recession hit, they buckled down on giving out cards and tightened up a lot.


Are those 3 cards that have a 0 balance reporting every month still??

When was the last time you were able to get a card of some sort and when did the decline of not being able to get a card anymore begin?

 04-01-2011, 05:11 PM         #355
feardafoot 
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 rek0nize said
That's honestly an excellent score and good credit you have going on.

Yeah closed accounts wont harm your report, although it's best to keep them open to up your total available credit to debt ratio, and I'm thinking that's where your problem may lie.


Revolving Credit is the hardest thing to get. Cars and home's you can find SOMEBODY to give put you in either if you have somewhat decent credit. Especially since the recession hit, they buckled down on giving out cards and tightened up a lot.


Are those 3 cards that have a 0 balance reporting every month still??

When was the last time you were able to get a card of some sort and when did the decline of not being able to get a card anymore begin?
Good question. These small accounts i have just paid down to 0. So i need to keep track and see if they keep reporting. I have never been approved for a credit card other than a Kay Jewelers, HHGregg, and Lowes. I have applied to Capital One, Chase, Discover, Visa, you name it.

 8 years ago '10        #356
rek0nize 66 heat pts66
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Another question:

Did you get any of the denial letters in the mail from them?? They usually send those out and give the reason for why you were denied.

With knowing what any of those say, we can start steering you in the right direction on how to get you some credit cards in the future.

Honeslty, whatever they are denying you for, it can't possibly be more than 1 reason which is good.

 04-01-2011, 08:22 PM         #357
feardafoot 
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 rek0nize said
Another question:

Did you get any of the denial letters in the mail from them?? They usually send those out and give the reason for why you were denied.

With knowing what any of those say, we can start steering you in the right direction on how to get you some credit cards in the future.

Honeslty, whatever they are denying you for, it can't possibly be more than 1 reason which is good.
Yes good question. When i see mail from cc providers now i just trash it because i dont want one right now. Actually i do but i was waiting until everything i had out besides mortgage and car note was paid off. Instead of little accounts here and there i want a good cc.

 04-17-2011, 04:58 PM         #358
IMAKEHITS 
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good post

 8 years ago '04        #359
nwo504 32 heat pts32
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i owe sprint $400 should i pay in full to raise my score? Its the only bad thing on my credit.

 8 years ago '10        #360
rek0nize 66 heat pts66
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 thatruest said
I've missed 3 payments in 4 years. I've 4 different credit accounts. Last one I missed was last month (Target, hadn't used that in six months, every month I've to remind myself I still have that). Anyway, just paid off the 80 dollar balance I had left yesterday. Is that going to k!ll me? (missing 3 payments in 4 years, that is).


Capital One-$200 balance on a $500 limit
Target-$0 balance on a $500 limit
CareCredit-$310 on a $865 limit
Credit One-$75 on a $400 limit

Nah it wont mess up your credit at all.

It takes 90 days to be delinquent and them to report you as being late. 1 late payment wont even show up 99 percent of the time.

You should be more than fine with no negatives at all.

 8 years ago '10        #361
rek0nize 66 heat pts66
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 nwo504 said
i owe sprint $400 should i pay in full to raise my score? Its the only bad thing on my credit.
How old is $400 dollars from.

Basically when was the first time you let it go and didn't pay it?? How many months or years ago?

I can help you from that answer.

Let me know.

 8 years ago '04        #362
DIGI 116 heat pts116
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real quick;

i know that sometimes if you agree to pay the balance of a bad debt off, the creditor will sometimes agree to delete it from the records and make sure that its deleted from the credit reporting bureaus. I've done this in the past.

Will this work with student loans?

 8 years ago '04        #363
glepurple 5 heat pts
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Hey my problem is my student loans...i seem to have a high utilization which is lowering my score. How can i lower my utilization...should i open more personal loan accounts or just try to pay it down.

 8 years ago '10        #364
rek0nize 66 heat pts66
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 <<InphDigi>> said
real quick;

i know that sometimes if you agree to pay the balance of a bad debt off, the creditor will sometimes agree to delete it from the records and make sure that its deleted from the credit reporting bureaus. I've done this in the past.

Will this work with student loans?
If they are private loans from a bank, if they are the government Federal Stafford loans it wont.

 8 years ago '10        #365
rek0nize 66 heat pts66
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 glepurple said
Hey my problem is my student loans...i seem to have a high utilization which is lowering my score. How can i lower my utilization...should i open more personal loan accounts or just try to pay it down.
If you open new accounts and get big limits and don't charge anything on them it will help your utilization, however I would definitely just pay down your student loans to fix your utilization as opening new credit lines could haunt you in the future, unless you know 100 percent sure you wont ever spend anything on them and put yourself in a worse off place than you once were to begin with.

 8 years ago '10        #366
rek0nize 66 heat pts66
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 thatruest said
Where could I check out w/o charge my account standings?
Not sure what you're asking, if you could restate it I will be more than glad to help you out.

 8 years ago '04        #367
glepurple 5 heat pts
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 rek0nize said
If you open new accounts and get big limits and don't charge anything on them it will help your utilization, however I would definitely just pay down your student loans to fix your utilization as opening new credit lines could haunt you in the future, unless you know 100 percent sure you wont ever spend anything on them and put yourself in a worse off place than you once were to begin with.
Should i open a new credit card or ?

 8 years ago '10        #368
rek0nize 66 heat pts66
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 glepurple said
Should i open a new credit card or ?
I would definitely just pay down your student loans versus opening new credit cards to fix your utilization.

 8 years ago '05        #369
Santoro 12 heat pts12
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Anyone know a good trustworthy site that gives you your credit score, not report for free?

 05-04-2011, 06:44 PM         #370
feardafoot 
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 Santoro said
Anyone know a good trustworthy site that gives you your credit score, not report for free?
No, but i know that Truecredit is not trustworthy. Im with you i wanna know too

 05-04-2011, 06:48 PM         #371
feardafoot 
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 thatruest said
I've missed 3 payments in 4 years. I've 4 different credit accounts. Last one I missed was last month (Target, hadn't used that in six months, every month I've to remind myself I still have that). Anyway, just paid off the 80 dollar balance I had left yesterday. Is that going to k!ll me? (missing 3 payments in 4 years, that is).


Capital One-$200 balance on a $500 limit
Target-$0 balance on a $500 limit
CareCredit-$310 on a $865 limit
Credit One-$75 on a $400 limit
Hard to say. Right now i have 1 derogatory account that is on all 3 branches and one acount and has 4 lates since 2003. My scores are 714, 815, 744. This is through truecredit so take it how you want i guess.

 05-04-2011, 06:53 PM         #372
feardafoot 
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 nwo504 said
i owe sprint $400 should i pay in full to raise my score? Its the only bad thing on my credit.
If this is on your credit report then they have sent you to collection. Sprint, Verizon, etc does not show up on a credit report unless you have been sent for collection. The faster you pay it off the faster it comes off. If you pay it now then it will be off in 2018-2020 unless you dispute it to death and get lucky. This has been my experience because my 1 derogatory is Verizon. Paid it in 07 and ive been disputing it since. Still shows on all 3 branches. Shows paid but derogatory

 8 years ago '10        #373
rek0nize 66 heat pts66
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 thatruest said
Is there any way to check out credit account standings/scores for free?
Yep.



That is the only site on the Internet that you can get your free credit reports. You can do it only ONE time a year, so the moment you do it you wont be able to view them online from there for a year. So make sure you print them out when you bring each one up.

 8 years ago '04        #374
DatDurtyBoi305 1 heat pts
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 rek0nize said
Well, first off, what kind of dispute did you do?? What was the reason of the dispute??

What kind of negatives are they?? late payments?? credit cards/loans you just let go?

It seems you're in about the same boat I was years ago with quite of few negatives.

Yeah it would probably be good to see the pages to get a better understanding of everything and help you out.

[pic - click to view]

heres an example. Hey I only tried 2 disputes like 2 months ago and I got an email today saying they deleted 2 negative items! :dancingcool: Anyways what should I do with this one? Mostly late payments, credit cards I let go, I don't remember the dispute like 2 months ago I forgot. I just don't want to get dispute crazy ya know. Right now I disputed address's from Experian.


Last edited by DatDurtyBoi305; 05-12-2011 at 09:18 PM.. Reason: Answer question

 05-12-2011, 11:24 PM         #375
OOps 
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How can i get the 3 credit reports for free? Do i gotta pay?

ANother question...........i had my credit go in the toilet when i was like 19-20. 28 now and havent checked or done sh*t to my credit. Do i still have the pay them off? Bankruptcy? I dont even know were to start. It was like 2-3 credit cards at the time and i went wild!

I leased a car with my father because my credit was garbage.........Its been 3 years, payed on time and decided to buy the car. Will this do anything for my credit?


Last edited by OOps; 05-12-2011 at 11:29 PM..

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