Forum Replies Created
June 17, 2016 at 5:48 pm in reply to: Capitol 1 Platinum #4425
Thanks! I sucked it up and did a pay look. Scores were off, but not as bad as I expected. I did receive my card in the mail today! Whoop whoop! Now I can start following the rest of my plan. The sole purpose of getting the card is to pay my bills, will meet the 30% credit usage, and pay off balance each month. I am thinking my scores should reflect a difference in about 6 mos. Now I can sit back and relax!June 16, 2016 at 11:04 am in reply to: Capitol 1 Platinum #4419
Well, only place I have looked it Credit Karma. I had more accounts on Equifax than on TU. TU only has the bank account. But also had the hospital bills on collection. I did not know that about FICO and FAKO. What id FAKO?
I did try to hook up with myfico but my bank debit wouldn’t let me use my card on that site.
As far as the pots go, yes they are. My parents ventured out once and sold them. The system is kinda like Tupperware parties. Anyway, I grew up with them. I aquired a set when my grandmother passed away. I gave that set to my brother when I bought a new set. I liked the new design! LOLJune 16, 2016 at 10:18 am in reply to: Capitol 1 Platinum #4417
And please excuse me, but in my original post, I called Equifax EX. I apologize for the mistake. I have no clue of my Experian scores.June 16, 2016 at 10:13 am in reply to: Capitol 1 Platinum #4416
Thank you! A lot of patience and time! I had a few medical bills that I finally paid off, had a few collections that were paid and fell off as well. I opened a small credit union account 12 years ago. I kept it open, but the main key to having that account in good standing was to auto pay it. That way I had to MAKE sure it was on time every time. That was HUGE for me. I never was late nor missed a payment. Medical bills were my killer as well as being a card user on my ex hubby’s accounts. He had 5 cards and maxed them all out. However, about a year after my divorce, he filed bankruptcy and that went against me. LUCKILY, and I mean LUCKILY, I was able to dispute it and for some miracle, I won that fight and was taken off my credit!!! A few years later I bought a set of TOWNECRAFT cookware and had it financed. That was forced through because of bad credit. The salesman pushed the company to grant me the credit. That was also on auto pay and again, was in good standing. That was a LOC for around $1500. (Yes, that seems like a lot of money for a set of pots, but I can tell you, you will NEVER have to buy another set to replace them!)
Now I show one paid collection, one paid house note, one paid credit card (Townecraft showed account as being a credit card for some reason.)
This Cap1 card is my very first on my own creit card. I applied foe a Good Sams Visa when I checked out at Camping World, however because I had changed my address moments before checking out, I was declied. I was like REALLY???? I called and called trying to dispute that denial, but each time was rejected. They said after a denial has been set you have to wait 30 days to re apply. I was charged 14 points on TU, and 0 on EQ for Cap1 card, but charged 6 points on EQ when I tried for Visa. I am going to try again for VISA and am going to try online with the checkout trick. I heard that was a soft pull. Not sure, but will see. I don’t know why Cap1 took 14 points though. My TU score is 640 EQ is 754. I have no clue what EX score is. I can’t find a solid free site to check that one. I was SHOCKED to have gotten approved for Cap1 Platinum for $2,000!!!!