maaj

I am sorry, I work on credit very sporadically (life is crazy with 2 sets of twins in the house ) so I do not always see things directed at me timely. Around the time that I got those cards my fakos were: TU: 560 EX: 652 EQ: 617 Update: I applied for Kay Jewelers in store, I was approved for $6300, but apparently they give you a higher limit while in the store when you are first approved. My actual CL on each card is $5,000. I bought a $100 necklace from Kay to get it reporting, well all THREE cards are reporting each $5,000 limit!!

Thanks, I was thinking the same thing when I was typing the signature. I did not realize I had so many. That also does not include the Nissan Armada and Nissan Titan that I have as good lines on my credit as well. That is almost another $70,000 in good credit!! Now those are new but all of my credit cards have less then half on them and I plan to keep them that way!!

Crown Jewelers was one of the first lines of credit that I got when I was first starting this process. Every little bit helps, especially an account like this. I ordered a pair of earrings I liked. I did not spend much on them at all. This was about a year ago and I have never ordered anything else from them. This line is still reporting as good credit with a $0 balance. I think it is worth it.

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I went today and applied for a Lowes card and got approved for $900!! I bought some paint, a paint brush and a drop cloth for my bathroom and did not get ANYTHING ELSE. I will pay off that $75 when the bill comes and then I guess next month I may go and charge the 2nd bathroom supplies and then pay that off. It feels great being able to get credit again. I am done....done......done with new cards for a while. I am sure my scores will take a major dip once all of my new cards hit my reports but I know they will come back up and hopefully rise in time.

Thanks to everyone. I guess I need to do a little more research about whether or not it matters as to what card you have (Visa, MC, etc.) I was assuming it did make a difference and it was harder to get a Visa since I have yet been approved for a Visa yet I have 3 MC's now since I was approved for Hooters.

Well this last spree was fun! I applied for Kay's and was approved for $6300. I applied for JB Robinson and was approved (guessing for $6300) and I just called Hooters to check on the processing of my application and was told I was approved! I am not sure of the CL for my Hooters card. I will be through now with my applications for a while, that is unless someone can tell me a Visa I may be approved through considering my recent approvals of these TL's. Any suggestions?????

You are right on the mark with your last paragraph. I think the first time I ever said "I wish I would have listened to my parents because they were right" was once my credit was not so good. I really would just like a visa card. I have Orchard Mastercard and then I have a Pearl Mastercard. Eventually I would like a Mastercard that is better then those 2 and a good Visa.

You may have seen my thread about my fiance being approved for $5000 with the Target Visa. My credit is better then his is so I decided to try. Sidenote: I had a charged off account at Target over 7 years ago. Neither the OC or CA are listed on my credit report. Last year I applied and got a letter declining due to this old account. So I replicated his steps. I applied online for the Target and Target Visa card. I got a message saying it was processing I would be notified. I then waitied until the next afternoon and called into the New Credit Department. I found out a little more

His report is not that great. Now I am not sure of FICO's, but his FAKOS are: TU: 587 EX: 577 EQ: 588 He has a 30 day late on a car loan last August 2007, that account is closed paid and current. He has something from Global Checks that I need to work on getting rid of. A check from his account that someone stole and bought PIZZA at Papa Johns, lol. He has a car that was repossessed in 2001 or 2002. This account has been chargedoff and guess who has it??? CRAP 1, I think I need to really research this because the 7 years should be close by. CA's: Arrow, this is close to the 7 yea

Ha, well the first time I see that on my credit reports I will remember your advice because I may just want to.

I can't believe it. His credit is actually a little worse then mine. He applied online last night and he just told me about it. I asked him why he did that without me knowing (I was not being mean just sarcastic) because he knows I know how everything works. I told him he should have applied in store instead of online. So I gave him the CS phone number and had him call, she told him that he was approved for $5000. Now I am wondering if I should apply. The problem is that I had a target account many many many years ago. I have gotten rid of both the CA and the OC from my reports, I tr

:mrgreen:ARE YOU SERIOUS???? So I POSSIBLY just got an additional $18,000 of credit line???? WOW! Well then how quickly does that start to show because I can't wait to see what my scores are going to do. That will be a HUGE help on my utilization!!! I am soooo excited now!!

Just got an email that I was approved for JB Robinson Jewelers!! Not sure for how much, but I got approved!

Ha ha, thanks and I promise I won't!! I feel bad that I did apply for the other 2, but I did. No more though. I am happy with getting approved for that much! I have waited and worked too long to get my credit even where it is today!

CONGRATS!!! I almost did the same thing, I applied in the store the other day. I was standing there talking to the lady and telling her that I doubted I would get approved because I was cleaning up my credit and blah blah blah and next thing I heard her say was that I was approved for $4300. I could not believe it. I then came here to get back to cleaning and I found out that I should apply for the others, which I just did do. They both said they would let me know within 7 days so I will wait and see!!

Thanks for the information. I will cetainly do this!!

The other day I was at the mall to return something and walked past Kay Jewelers. Well I stopped in to browse for a wedding band since I am getting married in October. The matching band for my engagement ring costs $900 and I wanted to see if I could find something that would look ok for less until we had the $900 for the matching band. Well I found something that looked great and told her to try to run my credit. I did not think I would really get approved. My credit is nowhere near perfect. Next thing I knew she was informing me that I was approved for $6300!!!!! SHOULD I APPLY FOR

Yes I know, I HAVE tried to change my name and I requested, but it never got changed, I guess I need to try changing it again, thanks!!

No offense taken!! I do not have time, between 2 sets of twins and a career, lol. BUT I would like to track things properly so I will be prepared if need be. The DOLA is May or June of 2001. I am thinking this means this should be falling off my CRs middle of next year but I am scared they are going to reage. I want to do everything possible to be prepared if this does happen.

ALSO, if possible I would not mind getting some money out of these idiots if I can. Any tips on the paper trail needed. I am sure they are going to do enough for me to file suit so if they do I want to be prepared so I can at least get something from the headache of dealing with them!

Ha ha, this has become a hobby of mine in my spare time as well. I do not see how some can sleep at night with what they do to people.

OK, I will work on this tomorrow morning. Should I mention anything about the letter or the phone call? Or should I just send them a letter basically out of the blue telling them where they can go?? Also what would I need to prove that the debt is out of SOL? All I have are credit reports showing the original account with the DOLA and then I have new credit reports where the original creditor are no longer there.

Thanks for this site, I had not seen that one before. I wish I would have known what I know now 5-6 years ago when they were all calling. But thankfully I found this site and know now!!!!

Thank you. That is the same PO Box they have listed on the letter they sent to my mother's house. These people are EVIL:evil: