Got Bad Credit?? Need It Fixed??

most viewed right now
 59
Image(s) inside Drake does what this whole generation should do and tats Wayne on his ..
72 comments
@hiphop
most viewed right now
 39
Image(s) inside Maliah Michel declines drake's offer to save
87 comments
@hiphop
most viewed right now
 36
Image(s) inside Hi Felicia... She looking good off them drugs
70 comments
@thotsdimesetc
most viewed right now
 26
Video inside Spodee calls Young Dro a Snitch On IG and show Paperwork; Dro Responds
237 comments
@hiphop

section   (0 bx goons and 1 bystanders) Share this on Twitter   Share this on Facebook
 

 6 years ago '10        #341
rek0nize 66 heat pts66
space
avatar space
space
$9,201 | Props total: 1157 1157
 philthepain said:
what if i already got capital one collections on my a.ss? the acct has been delinquent since 07 and it was cancelled. i still owe em 1262.10 but they sent me a settlement letter for 980.00. could i still get a secured card from them?
Honestly, they PROBABLY WONT approve you, but you can still try. If you can't or don't want to go this route try an Orchard Secured Card as it seems to be the next best one in the line of secured cards.
 6 years ago '05        #342
Y.G. 27 heat pts27
space
space
space
$40,190 | Props total: 10438 10438
 rek0nize said:
Since it's only roughly 1k, DEFINITELY go with the payment plan, to halt the being sued process. On their site, it will usually say the different terms you can set up a monthly payment plan. Like 6 months, 9 months, 1 year etc..

If they don't she can call them up and work a payment play up with them, most people are pretty good about working with you, whatever she thinks is the MOST she can afford per month, go with that, because she will pay it off quicker and get that mess over with.
Thanks man. I'ma definitely tell her to call them in the morning tomorrow.
 6 years ago '05        #343
Y.G. 27 heat pts27
space
space
space
$40,190 | Props total: 10438 10438
 philthepain said:
rek0nize - what company do u recommend going thru to get a secured card? trying to find one with a low interest rate/annual fee. thx in advance


I was looking at these for my girl. I was going to tell her to go with the Wells Fargo even though the interest rate is higher, simply because it's a more reputable bank and she can get an unsecured card after 18 months.

rek0nize, which one would you recommend?
 03-31-2011, 06:17 PM         #344
feardafoot 
space
space
space
$n/a | Props total:  
 younggangsta_s said:
What bureau is saying you have a 735 score? What are the other two scores?



Got to spread breh. Good looks.
Truecredit.com

Trans 759
Experian 745
Equifax 735

25 total accounts
7 open on 2 branches, 10 on another
15, 17 , and 18 closed accounts
0 delinquent on all 3
1 derogatory on all 3
74,000 in balances on all 3
1,500 in payments on all 3
2 inquiries on trans, 3 on experian, and 18 on equifax (last 2 years)


Last edited by feardafoot; 03-31-2011 at 06:27 PM..
 6 years ago '04        #345
DatDurtyBoi305 1 heat pts
space
avatar space
space
$798 | Props total: 8 8
Hey I have 7 negatives on my equifax and 12 negatives on my Experian. Couldn't get my transunion for some reason. What should I do first? I disputed some online. I saved the pages if you need to see them to give me a better answer. Rek0nize please help me with this whenever you have the time. Thank you.
 6 years ago '10        #346
rek0nize 66 heat pts66
space
avatar space
space
$9,201 | Props total: 1157 1157
 younggangsta_s said:


I was looking at these for my girl. I was going to tell her to go with the Wells Fargo even though the interest rate is higher, simply because it's a more reputable bank and she can get an unsecured card after 18 months.

rek0nize, which one would you recommend?
The Orchard secured card for sure. The Orchard card is HSBC, which a LOT of people use. I would say the Navy one, but they stopped giving out that secured card about a year ago or so or I would say pay the one time 8 dollar member fee and do that one.

Every secured card company will insecure the card at some point as long as you pay on time and don't carry high balances all the time.
 6 years ago '10        #347
rek0nize 66 heat pts66
space
avatar space
space
$9,201 | Props total: 1157 1157
 feardafoot said:
Truecredit.com

Trans 759
Experian 745
Equifax 735

25 total accounts
7 open on 2 branches, 10 on another
15, 17 , and 18 closed accounts
0 delinquent on all 3
1 derogatory on all 3
74,000 in balances on all 3
1,500 in payments on all 3
2 inquiries on trans, 3 on experian, and 18 on equifax (last 2 years)
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..
 6 years ago '10        #348
rek0nize 66 heat pts66
space
avatar space
space
$9,201 | Props total: 1157 1157
 DatDurtyBoi305 said:
Hey I have 7 negatives on my equifax and 12 negatives on my Experian. Couldn't get my transunion for some reason. What should I do first? I disputed some online. I saved the pages if you need to see them to give me a better answer. Rek0nize please help me with this whenever you have the time. Thank you.

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.
 6 years ago '09        #349
mtva24 218 heat pts218
space
avatar space
space
$8,531 | Props total: 720 720
 philthepain said:
what if i already got capital one collections on my a.ss? the acct has been delinquent since 07 and it was cancelled. i still owe em 1262.10 but they sent me a settlement letter for 980.00. could i still get a secured card from them?
get an Orchard...Citi and Navy FCU next...I know Bank of America had one, not sure if they still do...Wells Fargo has one, but I think their's may be harder to get
 6 years ago '10        #350
rek0nize 66 heat pts66
space
avatar space
space
$9,201 | Props total: 1157 1157
The bank of america card is through HSBC just like Orchards. That Navy card isn't offered anymore from penfed.org
 6 years ago '09        #351
mtva24 218 heat pts218
space
avatar space
space
$8,531 | Props total: 720 720
 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 10:32 PM..
 6 years ago '10        #352
rek0nize 66 heat pts66
space
avatar space
space
$9,201 | Props total: 1157 1157
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, 10:59 AM         #353
feardafoot 
space
space
space
$n/a | Props total:  
 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 11:01 AM..
 6 years ago '10        #354
rek0nize 66 heat pts66
space
avatar space
space
$9,201 | Props total: 1157 1157
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, 04:11 PM         #355
feardafoot 
space
space
space
$n/a | Props total:  
 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.
 6 years ago '10        #356
rek0nize 66 heat pts66
space
avatar space
space
$9,201 | Props total: 1157 1157
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, 07:22 PM         #357
feardafoot 
space
space
space
$n/a | Props total:  
 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, 03:58 PM         #358
IMAKEHITS 
space
space
space
$n/a | Props total:  
good post
 6 years ago '04        #359
nwo504 30 heat pts30
space
avatar space
space
$12,516 | Props total: 5514 5514
i owe sprint $400 should i pay in full to raise my score? Its the only bad thing on my credit.
 6 years ago '10        #360
rek0nize 66 heat pts66
space
avatar space
space
$9,201 | Props total: 1157 1157
 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.
Home      
  
 

 






most viewed right now
 20
No Condom Nation: Porn star Rahyndee James
79 comments
1 day ago
@thotsdimesetc
most viewed right now
 16
Boyfriend watches girlfriend with yoga instructor! (gone wrong!)
5 comments
2 days ago
@wild'ish
most viewed right now
 16
Video inside The truth about black seed oil and how it changed my life
253 comments
2 days ago
@wild'ish
most viewed right now
 14
She thicc in the right places
47 comments
1 day ago
@thotsdimesetc
most viewed right now
 7
Cop or Pass: Air Jordan 31 Low Triple Black
65 comments
2 days ago
@gear
most viewed right now
 5
7/23 - wwf battleground - washed up randy orton vs jinder mahal in a punjabi p..
923 comments
1 day ago
@misc
most viewed right now
 3
BBW Pick'em Challenge
78 comments
2 days ago
@thotsdimesetc
most viewed right now
 3
Video inside Nintendo trademark suggests n64 classic mini coming
62 comments
1 day ago
@games
back to top
register contact Follow BX @ Twitter Follow BX @ Facebook search BX privacy