snackpack

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About snackpack

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    Kentucky
  1. I just qualified for Quicksilver and Cap 1 Platinum card but only have 300 for a credit limit. I also did the shopping cart and got 3 store cards. Another question??? I noticed my balance on my mortgage was 217,000 but my high credit limit is only 157,000. How can this be when I was just approved for HAMP at 217,000? This puts my debt to credit ratio at 139% which is killing me score wise.
  2. Thanks for your response willing to cope, I didn't mean it to sound like I'm trying to just get business credit. I really want my personal scores to raise to raise, after this length of time I don't know how, unless it is to open up credit card accounts. I'm just going to read and study. BTW, does the BUMP still work to remove hard inquiries?
  3. Hi All! I was a member here back in 2005-2008 and this forum, moderators and others really helped me then so, I hope you can do the same now. My FICO's have been in the dumpster ever since my home went into foreclosure in 2009. In 2008, I had major health crises and underwent 5 operations and recovered for 2 years. CitiMortgage foreclosed on me in 2009 and despite having a lawyer, court appearances, requests and submissions, never evaluated me for HAMP refinance. Fast forward to now, Citi sold my mortgage to another servicer in December 2013 and they reviewed me for HAMP in March 2014, I