The credit Repair Thread

[LeVraiPapi]

SOme Backdoor numbers

A "backdoor number" is one that gets you directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - those people/departments have decision-making abilities far beyond the normal customer service people and the regular lines. they are able to take and review requests for reconsideration of denied cc apps or Credit Limit Increae requests, APR reductions, etc. and implement their decisions. Ifd they deny you or credit limit increase, then ask for lower APR or a promotion or complain about something you really need. They'll meet you halfway 90% of the time. Good Luck!!!

LIST

AmEx Oasis Program: 888-232-3261

American Express Credit Bureau Unit: 800-874-2717. Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number.



Barclays: 888-232-0780 (Customer Care)


Best Buy: 888-237-8289 (customer care)
Best Buy: 800-365-0292 (CSR)

Best Buy App Status: 800-811-7276

Best Buy Store Card: 800-305-0533


BofA Acquisition Dept.: 888-645-6733 (new app recon)

BofA: 800-732-9194
BofA: 800-421-2110 (product change, poss. for cli).
BofA: 888-260-4696 (secured accts.).
BofA: 800.824.5895 (secured & partially secured accts.).
BofA: 800-718-6072 (Credit analyst).
BofA: 800-881-4730 (Loan Dept.?).
BofA: 866-226-8225 (Recon).
BofA Credit Dept. Fax: 888-500-6270

.BofA/FIA: 888-831-4181.
FIA: 866-421-8153 (credit analyst) .
.
BP/Amoco App Status: 800-365-6204.


Cap1: 800-625-7866 (Account Specialist)

Cap1: 800-951-6951 (cust. relations)
Cap1: 800-548-4593 (application department; status)
Cap1: 800-889-9939 or 800-625-7866.(Account Specialist)
Cap1: 877-513-9959 (Account Retention?)
Cap1: 800-258-9319 (Debt Recovery)


Chase: 800-432-3117 (App status)

Chase: 888-270-2127 (App recon)
Chase: 877-781-3109 (combining & product change)
Chase: 888-245-0625 (Credit Analyst - Recons)

Chase: 888-622-7547 (Chase Executive Ofc. in IL)



Chevron/Texaco Biz Card App Status: 888-243-8358


Citi: 888-201-4523 (New App Approval Status)

Citi AA: 888-662-7759

Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453

Citi: 800-444-2568 (Retention Dept.)

Citi: 800-763-9795 (Credit Dept.)

Citi Credit Bureau Dispute Fax: 866-713-5028


Discover: 888-676-3695 (Recon)



ExxonMobil Biz Card: 800-903-9966



FIA: 866-421-8153 (credit analyst)



GEMB: 877-294-7541 (escalated help desk)



Home Depot Store Card: 800-677-0232 (Credit Analyst)

Home Depot Store Card: 423 467 6957 (App Status/Recon)

Home Depot MC (Commercial): 800-720-0649



Hooters: 801-545-6705, 800-850-4668



HSBC: 866-574-4421 (App Status)

HSBC: 866-719-3897 (Credit Analyst?)


JC Penney: 800-542-0800



Juniper: 866-408-4064 (Credit Analyst)

Juniper/Barclays: 866-750-6031 (Corp. Offices)



Key Bank: 888-201-4523 (App status)

Key Bank: 800-254-2737
Key Bank MC: 800-288-4653

Keybank Credit Research Fax: 216-357-6404



Lowes: 800-445-6937 (App Status)
Lowes: 866-232-7443 (Biz Acct. Underwriting)
Lowes Fraud/UW: 800-444-1408



Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues)

Macy's: 800-543-9617 (Recovery Services)



Meijers MC: 801-517-5560


National City: 800-762-0974 (Credit Dept.)


Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker).



Philips 66: 866-289-5630, 800-610-1961



Sam's Club: 800-301-5546, 866-246-4282 (Underwriting)



Sears: 800-599-9710 (App status)



Shell Fleet Card: 800-223-3296 (App status)
Shell: 800-223-3296, 866-438-7435
Shell: 800-377-5150



Staples: 800-767-1291, 800-282-5316



Sunoco Corp. Card: 800-935-3387, 800-278-6626
Sunoco: 800-310-4773



Target Biz Card: 800-440-5317



Tiffany: 800-770-0800



US Bank: 800-947-1444, 800-685-7680 (Underwriting)



Valero: 877-882-5376


Wal-Mart: 800-301-5546

Wal-Mart Underwriting: 877-294-7548

Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096


*****taken from another site*****​

 

[Ohene]

if you get rid of all your debts...lets say you pay off like 5000 in a year span what will it do to your credit score in the near term?

 

[LeVraiPapi]

Credit Monitoring
​

As far as credit monitoring, the best site and best bang for your buck is https://www.smartcredit.com/?PID=11002

Offeres scores, reports and credit monitoring fropm all 3 bureaus as well as money manager to help you track spending. Just read around the site and trust me, you will not be disappointed.

We will discuss credit repair when you boys are ready since it's a lotta info

 

[Malik]

If you owe money and your credit is in the dumper and its been years, don't pay a dime. Even if you pay one cent then the time it will come off your cc report resets.

Example phone bill in collections you owe 2,000. Its been 6 years, after 7 years it will come off your record.

You pay one cent even one cent then it restarts

Get a guaranteed Cc use it and start building up back your credit.

Yep. I had 10k in cc debt. At 18, I had a cc with a $5,000 limit working at walgreens + 3 other $1,000 cards when I read all these books about the financial crisis and how prevalent predatory lending was before the crash, I definitely saw first hand, because why would any sane person give a 18 year old with a minimum wage job $5,000? Of course I blew through it like a moron and yes, I was a moron. Fukked my credit up. That 10k ballooned to 20k. I waited out that time paying cash for everything/using debit cards. Last year it fell off my credit report Having fukked up credit is NOT the wave. That shiit will fukk up your employment opportunities, especially as a finance/business/Econ major. Nobody gonna hire you to manage money and you can't manage your own. I take responsibility for my reckless behavior but I wasn't paying nada to them collections people ever since Ive been prudent with my credit.

 

[Rigamortus]

30% utilization is too high guys. I wouldn't do anything above 20%.

Where you get this from? I've heard everything from 20% all the way up to 50%. Does utilization really matter if you pay it off?

 

[LeVraiPapi]

30% utilization is too high guys. I wouldn't do anything above 20%.

actually it's 60% or lower breh. If you can keep it at 30-50% you be good

 

[dtownreppin214]

Where you get this from? I've heard everything from 20% all the way up to 50%. Does utilization really matter if you pay it off?

I always thought it was 20 or below so I never went over. Fico has never really released an official number so it could be more.

 

[Canon]

i just did the open two browsers and submit apps trick today

got em both

as for the utilization argument i would say anything below 30% and your good. Fako score but credit karma puts 1-20% in the A range and 20-40% in the B range.

 

[MJ Freedom]

A defaulted student loan brehs

 

[LeVraiPapi]

A defaulted student loan brehs

you may be qualified for the IBR program brehbreh. Check it out

 

[FinesseKing]

I have a 540 help me please... I got a new whip and the interest rate is 12%... Help me!

 

[LeVraiPapi]

I have a 540 help me please... I got a new whip and the interest rate is 12%... Help me!

get a hard copy annual credit report from annualcreditreport.com and come back to the thread with it. it's freee oncew a year

 

[FinesseKing]

get a hard copy annual credit report from annualcreditreport.com and come back to the thread with it. it's freee oncew a year

The site is fukked up, they are saying I already got my TransUnion credit score but when I coppef the whip I seen that 540 clear as day. I have 17k in college loans and they are defaulted as shyt and 2k in cc debt. All of my cc's got closed when I didn't pay for them while I was in the hospital last year. I have 7 derogatory marks on my credit. My shyt used to be a 738 and those few months fukked me up. I have about 12 racks in my bank account should I throw it all on my debt?

 

[LeVraiPapi]

The site is fukked up, they are saying I already got my TransUnion credit score but when I coppef the whip I seen that 540 clear as day. I have 17k in college loans and they are defaulted as shyt and 2k in cc debt. All of my cc's got closed when I didn't pay for them while I was in the hospital last year. I have 7 derogatory marks on my credit. My shyt used to be a 738 and those few months fukked me up. I have about 12 racks in my bank account should I throw it all on my debt?

never pay any collection unless you have a letter saying it's a PFD or Paid for For Delete. as far the student loans, try the IBR and tell them you're willing to pay

 

[Big Blue]

It sucks cuz my score is 692, but my only knock is my age of credit lines. I'm only 23 so my credit history is only 5 years old