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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sun Sep 14, 2008 11:14 pm
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| Well my spelling sure sucked on that last post. My my. I really don't think it works,either that they found people doing it and stopped it. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Mon Sep 22, 2008 3:01 am
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I won't have anything fall off until 2011, so I will chill and try to repair until then, I figure once they fall off I should be in good shape.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Wed Sep 24, 2008 5:06 pm
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| Once it is past your states SOl period your credit score starts to improve. I read that here on the forum. Say a debt is set to expire (its SOL) on Dec. 2009 once it does that debt doesn't effect your score nearly as bad as it did when they could still legally collect it. So the longer it gets past the date the more your score rises. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Wed Oct 08, 2008 2:58 am
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Boy I hope that statement is true. I have some that are supposed to drop off here in 2011, that is still a ways off, so maybe since the sol is up they will at least not affect my score as badly. Thing is they are ALL paid off.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Wed Oct 08, 2008 9:10 pm
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| That is what really blows. They never tell you when they ask for all that money (most you didn't owe when you defaulted) that it will stilll linger on your credit report. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Mon Oct 20, 2008 2:58 pm
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hate to wish my life away, but 2011 will be a good year.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Mon Oct 20, 2008 3:49 pm
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| I can imagine the relief you will have once it does get here. You seem to be doing a really good job of restoring your credit and for that you should be proud. Remember each year up until 2010 your credit should improve. You have opened that new card and it will help you rebuild your credit. Good luck. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Wed Oct 22, 2008 1:45 am
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Yes, I got my first bill the other day, I have a minimum payment of $10 due on a $36 balance, I think I will pay the minimum and then go get a few more things and try to establish a good payment history with this card. I really need some good activity to counter balance the bad that will soon be dropping off.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Wed Oct 22, 2008 4:22 pm
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| Sounds like you have a real plan going on here but let me inform you of one thing that I learned in my years at the Bug. Paying the minium is good but throw on a few more dollars so it shows you laways pay your payment on time and pay the extra towards it. You will see your line of credit increase faster. |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498
111 Magic Points
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Subject: debt
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Wed Oct 22, 2008 5:18 pm
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| I had a credit card, in the past...one that (supposely..) helped with bad credit. However...just seemed like the fees and monthly payments went up all the time. Just couldn't afford to pay them anymore. Wasn't even making a 'dent' on the bill. However.............I just don't know what else to do, besides keep up with other bills, to improve my credit. Sometimes it's overwhelming. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Fri Oct 24, 2008 3:00 am
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I thought about trying for a card but went retail instead, I will try this one for a while see what comes of it.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17417 Magic Points
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Fri Oct 24, 2008 1:09 pm
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Hi sdchargers_63
I think that you should try to maintain the credit card which has helped you out in improving the credit score. This is because this already have a good credit history and if you close it now, your credit history will get removed and your credit score will get lowered. However, in the meanwhile you can go for a lifetime free credit card, and start building a new credit history on it again. Now after 2 to 3 years, when you have built up a good credit history on the new card, you can close the old credit card. Moreover, you can see that if you do not use this existing credit card for long, it would be closed by the grantor and if in the credit report it is mentioned as "closed by grantor" your credit score will not be affected.
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Where there's a will, there's a way !! |
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parrothead_1989
Joined: 24 Oct 2008
parrothead_1989's page
Posts: 2
50 Magic Points
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Subject: Bumping inquires to raise you score
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Fri Oct 24, 2008 6:04 pm
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| Bumping inquires to raise you score? What is this and how can I get more information on it? |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sun Oct 26, 2008 12:46 am
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| I don;t think you can any longer Parrot. I remember reading in this post that the people figured this out and took measures to stop it...Sucks getting that info a little too late. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Mon Oct 27, 2008 2:18 am
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I don't know that bumping actually works, I have never got a really good explaination of how bumping works, I guess, I would have to have some real good examples, I have asked and asked here and got no results.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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