The Discover card Fico score. Comes with my Discover It card.
The credit Repair Thread
- Thread starter LeVraiPapi
- Start date
My collections was legit I still disputed them said it's not mine But all my charge offs/Collections are legitimately mines. I can pay them off but I'm reading so many different things online
The Lord works in mysterious ways. So I'm lounging around the house getting ready to head out to the gym and I start thinking about my credit as usual. So I'm like, let me see if I can get a cli on my capital one card. So I go thru the login and forgot my password so had to do the whole reset thing. Finally got in and put in a request for the one with the highest limit, didn't get an answer right away. So I'm like fukk it, let me check amex, my limit is 2k. I try to login and same issue with my password. I'm like damn it I had just changed this the other day. I try a few familiar ones but no luck so I reset it. I get the email with temporary password and I notice another one from them a few emails down about some important information on my account from earlier this afternoon. I look and they had already increased my credit limit to 5k. 
it's like they already knew what I was gonna be thinking. I was like Aite Aite 
. Much needed since I've been spending too much with my cards lately especially on a graphics card for the pc and just going out in general. Definitely helps keep or lower my utilization rate. Thanks to them for the 150% increase. 
it's like they already knew what I was gonna be thinking. I was like Aite Aite . Much needed since I've been spending too much with my cards lately especially on a graphics card for the pc and just going out in general. Definitely helps keep or lower my utilization rate. Thanks to them for the 150% increase. 
Ok. So right now I'm at a 650(was a 690 less then a month ago)
2 hard inquires
1 CC w/ a $500 limit
Credit line is 9 months old
What fukked me up was my utilization
Very ignorant to the basics of credit and used $400 of my $500 limit and only gave a minimum balance. Anyway I payed off the remainder of the balance. Hasn't moved but it was just two days ago...
What I'm getting at is I plan on getting my first car note around Labor Day/early September. Probably a ~25k car with 4 thousand down. Should I focus on savings for the downpayment or quick fixes for my credit? When I buy the car should I open up a new line specifically for the car/insurance?
2 hard inquires
1 CC w/ a $500 limit
Credit line is 9 months old
What fukked me up was my utilization
Very ignorant to the basics of credit and used $400 of my $500 limit and only gave a minimum balance. Anyway I payed off the remainder of the balance. Hasn't moved but it was just two days ago...
What I'm getting at is I plan on getting my first car note around Labor Day/early September. Probably a ~25k car with 4 thousand down. Should I focus on savings for the downpayment or quick fixes for my credit? When I buy the car should I open up a new line specifically for the car/insurance?
how long did it take for them shyts to drop off? you sent them certified or something? template? need to start doing this
Ok. So right now I'm at a 650(was a 690 less then a month ago)
2 hard inquires
1 CC w/ a $500 limit
Credit line is 9 months old
What fukked me up was my utilization
Very ignorant to the basics of credit and used $400 of my $500 limit and only gave a minimum balance. Anyway I payed off the remainder of the balance. Hasn't moved but it was just two days ago...
What I'm getting at is I plan on getting my first car note around Labor Day/early September. Probably a ~25k car with 4 thousand down. Should I focus on savings for the downpayment or quick fixes for my credit? When I buy the car should I open up a new line specifically for the car/insurance?
breh u in a good situation. credit wont update until after your statement dates and after the card company reports it to the bureaus... its cool
honestly, i would apply for more credit. you'll probably get any car loan you want regardless. inquiries are meaningless unless you trying to get a mortgage or something big.
i would
also check out a couple of websites online. Lightstream is probably the best for car loans. Looks like you got the credit score needed for it. If approved, you get the $$$ the next day in your bank account and can go to any dealership / seller you want. you probably dont even need a downpayment. 1st payment starts in 3 months, etc.. make sure the APR is right, like below 3%
I'm at 649, considering I've been in the hole for years I'm lucky.
Getting rid of this debt
Getting rid of this debt
Like a month for the first one.
Can we get details? I need to do this, and I'm not trying to pay one of those shady services.
LeVraiPapi
Redemption is Coming
Great job @mcellas. Sorry guys, I was away.
Yes, once they sell your debt to a collection agency they write it off and delete it off their system in a few days or 1 year max. So that collection agency that has the debt now is basically a third party collecting a check from you. They have no right to legally collect from you since you don't have a binding contract or any debt with them. That's why when they call they try to get you on record to say yes this debt is mine. Just stay off the phone and tell them to send you mails only. Then reply to them and ask them that you need to see the proof in writing that you borrowed money from them, and if they cannot you recommend them to delete it or you will take legal action. Give them 30 days to fix it and it shold be in writing as well. Tell them if they don't send tangible legal proof to you via letter, the debt is invalid and you want it removed from your report.
I had them all drop from my report. The only things I have to get dropped now is 2 late payments I had last year. Chase won't remove them.
With all that I'm at 754 right now.
Just closed on the house. Just got 2 CLIs.
Amazon now at 4k, Capone at 6.5k and I'm gonna open a BOA card as well as a furniture store card with no interest for 2 years.
Goal is to get to 800 by next year, then open a business.
Yes, once they sell your debt to a collection agency they write it off and delete it off their system in a few days or 1 year max. So that collection agency that has the debt now is basically a third party collecting a check from you. They have no right to legally collect from you since you don't have a binding contract or any debt with them. That's why when they call they try to get you on record to say yes this debt is mine. Just stay off the phone and tell them to send you mails only. Then reply to them and ask them that you need to see the proof in writing that you borrowed money from them, and if they cannot you recommend them to delete it or you will take legal action. Give them 30 days to fix it and it shold be in writing as well. Tell them if they don't send tangible legal proof to you via letter, the debt is invalid and you want it removed from your report.
I had them all drop from my report. The only things I have to get dropped now is 2 late payments I had last year. Chase won't remove them.
With all that I'm at 754 right now.
Just closed on the house. Just got 2 CLIs.
Amazon now at 4k, Capone at 6.5k and I'm gonna open a BOA card as well as a furniture store card with no interest for 2 years.
Goal is to get to 800 by next year, then open a business.
Thinking about going through my company for the loan ( darden). What are the advantages of a down payment then?
Thinking about going through my company for the loan ( darden). What are the advantages of a down payment then?
banks / dealerships are more likely to approve you and w/ a better interst rate
i aint a financial advisor but the way i seen it, if you keep the $4k and put $0... you pay an extra $50-$100 a month? i got a way cheaper car from like $9k w/ 0 down and i basically paid an extra $20 a month b/c of that.
this guy explains it better