posterchild336
Superstar
if you keep your chase card current and paying good they will raise automatically mine just got raised 6k without asking.
The credit Repair Thread
- Thread starter LeVraiPapi
- Start date
if you keep your chase card current and paying good they will raise automatically mine just got raised 6k without asking.
Anyone mess with the capital one venture card? They got two, a free one and a $95 one. I have a card from them, don't remember the name, maybe quicksilver, that I upgraded to the free card but upgrades don't get bonus offers like new cards. So I'm thinking of getting the $95 card. I need a travel card and my credit is somewhat decent, hopefully transunion updates soon with one of my CC that wasn't reported on there last I checked. But anyways, the venture card was giving like 10x points on hotels.com and a decent bonus offer for spending 3k within the first 3 months. Got a trip to Vegas I wanna take and maybe one to Toronto later in the summer. Plus I got an account with hotels.com for their program to collect nights. What's the consensus on this card? Not trying to get something that has a high annual fee or bad initial bonus.
I live off my credit cards. I buy everything on them and get cash back on every purchase. I pay my statement balance every month and pay no finance charges. I don't listen to Dave Ramsey when it comes to credit. Using credit responsibly nets you perks like cash back on purchases, extended warranties at no extra charge and other benefits.
The golden rule is never buy something on a credit card that you don't have the money in the bank to pay off before the statement due date. Where people get in trouble is using a credit card for things they don't have the money for at the time of purchase or things they flat out can't afford.
With what I do carrying a balance and getting finance charges ruins everything.
Finally paid off my credit card balance of $2000 
it took me about 6 months, but I had a plan and here are.
My Credit score is 768
And I’m graduating this year
800, we coming for you nikka!
it took me about 6 months, but I had a plan and here are.My Credit score is 768
And I’m graduating this year
800, we coming for you nikka!
Clark Wayne
Superstar
Transunion past 700 now 
Equifax got this medical bill on there that’s fukking the game up
Should be good by end of March. Get paid 3 times plus tax refund so I can really get rid of this debt.
Equifax got this medical bill on there that’s fukking the game up
Should be good by end of March. Get paid 3 times plus tax refund so I can really get rid of this debt.
dterpsss
Hyperliquid.
experian now allows you to add your checking account and use your bill payment history to boost score, its called "Experian boost", bosted my score 8 points immediately upon adding.....AMEX uses primarily experian score, toss those reps my way
Black Cher
All Star
experian now allows you to add your checking account and use your bill payment history to boost score, its called "Experian boost", bosted my score 8 points immediately upon adding.....AMEX uses primarily experian score, toss those reps my way
Do you have to pay for it?
The_Unchosen_One
Superstar
Just hit 800
just paid off both my CC's and went up to 780... I'm trying to make that climb
FICO just hit 745. It's happening
713 from 540
on my to 800
from 540on my to 800
Clark Wayne
Superstar
Discover just hooked me up with a $2600 credit increase
Randomly decided to submit a request for one instead of waiting and they said I was approved?!
Got over a $5k limit on it now and a current balance of under $1k
Randomly decided to submit a request for one instead of waiting and they said I was approved?!
Got over a $5k limit on it now and a current balance of under $1k
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Clark Wayne
Superstar
Got another increase from Discover. Over $8k limit now. That medical bill collections got removed so my Equifax is equal to transunion. Both over 720 now.