CreditGrasshoppa

No offense taken! I know my scores are in the crapper, I experienced a bit of a drop when I opened some new accounts a few months ago. I was approved for a Cap One, Hooters, and Target. I think I might just sit on those and let them age a bit. Thanks!

Hi all! Infrequent poster, everyday reader here. I recently applied for the WAMU Petsmart card based on recommendations here. I was declined, and according to the decline letter they sent, I was declined based on having a previous account with them. I HAVE to be missing something. I have several baddies, including First Premier, Orchard, Lane Bryant, and Macy's (Lazarus when I had them). Nothing for WAMU either directly or someone that they have bought out. My scores are kinda sucky, high at 585 (TU) low at 545ish. I know, horrible. Any advice? I truly do not think that I have ever had an account with WAMU in any way, yet they deny me for this. Should I recon? Thanks for any wisdom that ya'll might offer!!!!!

I am wondering if they did this across the board? Based on the utilization recommendations on this board, I applied for and was approved (duh, of course, lol) in April. Ordered my first item in May (I actually like my earrings as well! Don't stone me!). After reading this thread, I decided just for yucks to check mine, and it is at $2500 as well, lol! Seriously funny.

I am in total shock right now! I received my Target Red March 10th of this year. $200 limit of course. All scores were in the range of 570ish. I used it alot, since I am a regular Tarjay shopper. I make several payments each month, and kept utilization below 25%. My statement came today, and they have raised the limit already to $500! This is my third statement, and the account is under 90 days old. What is even more surprising is that my scores have dropped recently to between 511-550, and they still raised. I wasn't expecting to see anything for at least another month, if at all. Yay me!!!!

I would defintely call them. I ordered some earrings from them just to activate the tradeline, and I had them in a week. Even tho their quality tends to blow, they are normally on time with the shipping. Let us know what you find out!

See divine, you have me skerred! lol I am at just about the 3 month mark, and I use my card all the time, PIF every month. I need that CL to increase!!! Let us know when you do!

Ok, I am going to try to answer to the best of my knowledge. I am new to this process, but I have been reading this board for over a year! Here goes, any vets feel free to correct me if I am wrong. First of all, I am not sure about the CA not marking as disputed with reinsertion, that one can be answered by another poster (hopefully!). However, about the CRA's notification, I have read that they only have to notify you if THEY reinsert the negative entry. The CA has the right to re-report it at anytime. If it was just reported again and then added back to your report, the CRA is not liable. I wish I could offer advice on how to proceed from here, and I will be watching to see if anyone else does! I am trying to get deletes right now, and I would be livid if they reappeared a year from now. I am dealing with Midland myself, on two different entries, so I can not wait to see if anyone has some solid advice here. Good luck!!!!

I just bought my first product from CJ, only to activate the tradeline. You guys are making me wanna throw the earrings away before I even start!!!! lol

I actually applied hoping to get the 99/500! LOL, I should have known better, having scores in the mid to high 500's! Oh well, preapproved for a Secured card, nothing else.

Thanks Leslie, I see I was feeling a little impatient last night, lol. I am working on the baddies as well, I just couldn't believe it when I saw that interest rate. I think I am just going to PIF and close it.

22 views, can someone give me some love please???? Thanks!!

Okay, I officially hate Orchard Bank!!! Let me tell you the story, I would really appreciate any advice you guys can offer! I have had my account since 2005. Just like everyone else, I am stuck at the $300 CL. I have been studying these boards religiously for months, and I am finally starting the 'action' part of my credit repair. I, always, pay my bill for all of my cards online. I normally shred the paper bill. Last week I just happened to open my Orchard bill, and I now have a 28.99% interest rate!! Yes, I typed that correctly. I have never been late on the payment, and I have always paid well above the minimum payment, if not PIF. And I have never gone over CL, until a few months ago. Just once. For some reason, remembering my annual fee got away from me. Especially since they let you know on your paper bill that the AF is coming due, but they do not notate that with the online billing. It was a particularly heavy month of usage, as my car had to be put into the shop. The AF threw me $17 over my limit, and then generated OL fees. I was absolutely livid. I decided immediately to cancel. I called, got someone that could barely speak English, and asked to cancel. Was transferred, got someone very understanding, who credited the annual fee and the OL charges. She also acknowledged the poor user interface of the website. Overall, I was pleased. Now, I call today and figured that with the age of my account, my usage, and payment history, that I should have at least a little room to negotiate the APR. To think that I was actually considering asking for a CLI as well, haha! I was told that this is the best interest rate that they can give me. I asked to cancel (I confess, I was hoping to be transferred to Retention, as I know that I would at least get someone that could converse with me!). He stated that no transfer was needed, he would just close my account! Ugh, way to call my bluff, man. I then demanded transfer to a supervisor, who was rude and unyielding. She actually cut me off and said something soooo out of pocket, I was forced to hang up before I seriously lost my cool! My question is, can I close this tradeline without killing myself? This is what I have: Wells Fargo:$14900 never late 4/05 car loan Aspire Card:$1000 2005 Capital One: $300 4/08 Hooters: $500 just received last week! Target: $200 4/08 My craptastic Orchard card for a $300. I also have anywhere from 7-13 baddies, most being doubles or triples of CC charge-offs and the JDB's that purchased them. Most are 3 years plus, except for FABCO, which I will address in a second. As you see, I have several new TL's and only Aspire, Orchard, and Wells Fargo with some age on em. Am I better served to just PIF and sock it? Or can I please please have the sweet satisfaction of calling them and telling them to blow me??? Also, I have done a search for FABCO, and I am not finding much info. Anyone had any experience with FABCO? Two years ago, I stupidly allowed one of my BFF's to sublet my apartment when I moved, because she had nowhere else to go. Suffice it to say that she left me with $1875 in damages and unpaid rent, which has now been sold to FABCO (I assume, I am afraid to ask them too many questions, not sure if they have actually sold it or not, as the OC is not listed on my CR). My scores are TU: 571 EX 523 EQ:573 Any guidance? As always, you guys rule! I wish I had known about this board 5 years ago, I would not be where I am now.

Okay, I am getting deep into this process, and before I start sending anyone DV's, I want to make sure that I understand the basics. I am trying to feel my way thru my credit reports, so that I understand exactly what I need to do. My questions involve DOFD, and the reporting period. On my CR's from each individual CRA, some entries have a date on which the account will age off, some entries are blank. I am not seeing any type of reference to the DOFD, how do I find this information? Also, in the area that might show the date that the account will age off, on Experion for example, I have a few negative entries that state "Account due to go Positive as of XX/XX/XXXX" or something to that effect. Go positive? Any help is as always appreciated!!!!!

I am with harleygirl, I have two paid judgements that are dogging me right now, I am really curious as to how you got them removed. Any advice?

I have two judgements on my CR, and they are my main priority right now, as judgements are the worst things that I have. I have a paid judgement from Asset Acceptance for $839, and a paid tax lein of only $209 (I know, I was young and stupid!!). What is the best way of getting these two removed??? Do I even have a chance of getting them removed? Thank you in advance for any advice that you can provide.......