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About ShootingFor750

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  1. Hello Big Sister, I actually thought about disputing it on my credit reports, but figured it was so recent that they'd for sure leave it on. Maybe I should.... I got all the old stuff off my credit by just doing online disputing, but I may look into this debt validation thing. In the past I didn't want to spend all that money on sending all those letters, but I have only one strike on my credit now, so it'll be well worth it. I don't know what all I said in my original post, but I read that they're not able to PAY FOR DELETE like they use to. I only spent a few minutes reading up on that so
  2. Hello Everybody. I haven't logged onto this site in over a year I don't think. I'm out of practice with the site, but have a question. I have good credit now, a BofA Visa and a Chase Visa. My FICO hit over 770 awhile back. But now I have one problem. I ran into some trouble and now have a collections on my credit. AT&T Wirless and about $600. I recently Googled Pay for Delete and I read some things that said Collection Agencies don't do that anymore? Is this the case? Again, this is the only bad thing on my credit now and when I get the money I'd just like to pay it off and hopefu
  3. Does anyone know the reporting date of Chase Visa Signature to the credit agencies? I was just on the phone with them recently about how my score dropped because of this card and while talking the lady said that even if I payed off my balance that it would take about a month for them to report it to the credit agencies. I just got my first bill from them in the mail and it seems that the cut-off was December 18th.
  4. Right, I've always heard that, but it seems Barclays was able to see things from the 80s and 90s. I have 2 things on my credit now and both good. Where were they seeing that old stuff?
  5. I just applied for credit with Apple Computer and shockingly I was declined. The person I was IMing with at Apple gave me Barclays phone number. I called them and the lady said I was declined because I didn't have a long enough credit history. She then said, "I see something from the 80s and 90s and I see you've had new credit for 2 years. I was shocked to hear that because she was seeing things from the past. IS THIS NORMAL???
  6. Remember this site says I'm a "student of credit" so I don't know much, but I don't know, I think the credit card companies want a blending of everything. I think it would be pretty dangerous to only have people in the 600s and they might only get merchant fees from people in the 800s.
  7. I see. Ok, but really, does any business have our best-interest at heart? I mean, all of this is about money and market-share. And if a person doesn't want to play this "game" then they'll never get a credit card OR they'll get some, don't pay and have a 300 or 400 score and won't be able to not even get credit to finance a rotten skunk. I love nature, but I have no desire to be a Mountain-Man up in Montana. I'm happy that I was shootin' for 750, achieved that and now I'm going for 800. I'm curious to see how long it'll take to get there. In August I hit 700, then 776 in November. And
  8. Ok, now this post made a lot of sense to me. I've been thinking that maybe the "sucker score" was the one that FICO sold me, but you say that's the "consumer score." Is it possible that the 20 point drop was because Chase looked at my score? I mean their card isn't appearing on my report yet. Is that because my first due date isn't until January 2011? I guess it can't show up on my report UNTIL I have an actual bill. lol 20 points is just a big drop it seems though. I couldn't agree with you more there. Of COURSE you're not going to see some big guy from BofA or Chase saying that they
  9. Hi. No, I've read over and over that people can get credit because they can't file for bankruptcy again, but my question was how could a person's score be in the mid 700s if they just filed for bankruptcy? I've read, this this site, that there's different FICO scores for different things, so it makes since that those people quoted you different scores. All I know if my score went exactly where FICO said it would go if I paid off my credit card. And right around that time I got that Chase Freedom card offer. It actually came BEFORE I paid off my credit card. So they sent it to me when I was
  10. Chase Freedom "pre-screened" me for their Freedom card in October 2010. After I was approved for their Freedom Visa Signature I called and they said they pulled my TransUnion and that's my highest score and it was 776. I live in Illinois.
  11. My TransUnion FAKO seems to have dropped 20 points for nothing. Why? The only change has been that I was offered a Chase Freedom and was approved and given the Visa Signature with a $5,000+ limit... I mean "credit access line." I know that Chase pulled my TransUnion, but would that drop my score by 20 points? The Chase Visa isn't on my report yet, so what's the deal? And I owe $0 on my other credit card.
  12. Hi. Ok, now I get what you mean about 15 days old is useless. I thought you meant the FICOs I paid for were useless. And you sounded like you were saying the FICO simulator was useless also or that you thought it was a FAKO. I learned, from this site, that those are useless and had a 30 minute "conversation" with some TransUnion person about why I didn't want or care about what my "TrueCredit" TransUnion score was. The FICO simulator said my score would be someone between 730 and 770 if I paid off my credit. Of course I was hoping it would be 770, but thought bare-minimum it would be 730,
  13. Hi Jets, Thanks for such a nice reply. Wow, 800! 1.5 years ago I use to dream of having 750 and really didn't think it would happen so fast, but it did. NOW, my goal is 800. I think my scores jump around more because my credit file has just become, just over 2 years old and up until a couple weeks ago I just had one credit card, so being near the limit had my TransUnion FICO around 700 and when I got it to $0 it jumped to 776. Utilization went from like 90% to 0%. I've just never had my scores this high and I feel like a kid at Christmas and wanting to see every uptick of my scores. Why'd
  14. I'm sorry, I'm lost. Can you tell me why a person would be getting a lot of credit card offers? I mean if a person's credit is bad I doubt they'd be getting many offers. Mine was bad a year ago and all I'd get would be letters from a few bill collectors, but now that my credit is over 700 it's a different story. I'm not getting a lot of offers, but the last several weeks I've been receiving a lot more and Chase is sending me "Freedom card" offers like twice a month now and I just got their card a couple weeks ago. What exactly is an "old" report? You initially thought I was saying that I
  15. Hi Willing.... Ok, I get better what you were trying to say. Yes, I know they'd love for people to be at their limit, because often a person will go over and then have to pay those over-the-limit fees. Yes, I know they get that merchant fee. I was thinking you were trying to say that the only way a credit card made money was when a person carried a balance. I know they make a LOT more money with a balance though. I think getting a lot of credit card offers means, for the most part, that you're doing well with you credit credit, but I don't think having a lot of cards are a good thing... o