Antdrewjosh
All Star
Bout to apply for a secured card and use it for food shopping to build up my credit..
The credit Repair Thread
- Thread starter LeVraiPapi
- Start date
Do it. My credit has jumped 70 points in 3 months from using one. I also had some bullshyt delinquencies removed as well.
Any recommendations on what I should do? My credit was shyt mainly because I didn't use it and I had a bullshyt Gold's Gym membership in collections that I disputed and is gone now. All I have is a $400 secured card through Capital One. Credit score jumped like 70 points in the last few months to a 606 now. Any recommendations on the best way to build it from here? Should I apply for a credit card? Would I be able to get a card with a $2k limit?
Get the Navy Fed N rewards card, all you need is to put down 200 bucks and have a member of the military give you the okay to use there name and military ID to sign up as a friend or family member account. After that keep the card for 6 months. At the end of 6th month they will bless you with 2k or 5k or 10k I unsecured credit card. No questions asked. Look up the n rewards card on YouTube it’s the best card out there. And since you have a decent score right now with not much on your credit file you would most likely get the 10k increase when your N rewards card graduates after the 6th month.
I knew a girl last summer who has/had Navy Federal and was letting me use her information to make one. When I tried they said I already had an application from years ago or something and I had to pick up from that one smh.
Call the customer service line they are mad helpful. 1-888-842-6328
jilla82
Veteran
Ive followed this dudes youtube channel and did exactly what he says...worked perfectly.
Search around his videos...he gives all the info you need for free
Search around his videos...he gives all the info you need for free
How u have delinquencies removed ? I’m canadian brehs and got fukked over by discount rental car and video from (fraud) both sent to collections. How do I get these removed please help. Once removed I will be in. A better position to buy a house in due time
Dispute them or call the collections ppl and try and schedule a pay and delete. But they probably won't agree to pay and delete so just dispute it.
How does one dispute I’m about to drop racks on a credit repair to hopefully have removed
DeuceZ
Li pitit gason
Low key pandemic been good for me from a monetary perspective, able to pay off several cards and score in upper 700s. Shows how much spending at happy hours, lunches and such hurts the wallet over time...
The early months march to may last yr was way too much spending on alcohol though
The early months march to may last yr was way too much spending on alcohol though
Grizzly
Home Run Hitter
This time last year I think my score was in the 500s. Don't know what it was exactly but it wasn't good.
Just checked my credit report yesterday and I'm at 697. Next month I'll be in the 700s.
Self Lender + 2 secured credit cards under 30% utilization did the trick. Now I'm focusing on building my business credit.
Grizzly
Home Run Hitter
Update: I was going off my score on Capital One and Credit Karma. I'm not at 697. My real score on the credit bureaus is 707 
Just got approved for the Amex Blue Cash Everyday Card
Just got approved for the Amex Blue Cash Everyday Card
Antdrewjosh
All Star
Thanks to this thread. Disputed the collections on my credit. Credit score went up 80 points. In a month and a half. Applied for a 250 secured card was approved for a 1000 dollars unsecured card from my credit union. Taking a financial wellness class on Monday so I can learn how to use it responsibly and other smart ways to get my credit up. Bout to be lit. Thanks all
Antdrewjosh
All Star
Up to 700 from 540 since February following the advice in this thread. Used 30% on my credit card about to pay that off. This thread has been the truth for me 