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PhoenixMan
Joined: 11 Jan 2011
PhoenixMan's page
Posts: 3
82 Magic Points
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Subject: Secured vs. unsecured and credit repair
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Thu Jan 27, 2011 2:02 am
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I have been steadily working on my personal credit score and history for the past 2-3 years. Regarding some of the other posts about getting credit repair help, or seeking out companies, I have to say, the best credit repair company is Me, Myself & I.
I brought my score back up from a 535 (atrocious) to a current score of 696. The long and short of it is this. There's no magic bullet, but you have to be willing to invest a little time (and a few dollars) into it to get the results back. Persistence!
While I had to do some school loan fixes and things, I focused my attention over the past year or so to my bank accounts/cards. My bank is BOA. Back in '06, they charged me $300 for a $500 secured card. I got my deposit back in '08 and to this day, they will not raise the limit. But, six months ago, I walked into a Credit Union and got a $4000 credit card unsecured, just like that.
Thank God for credit unions, much more flexible! Once I did that, I also read about how you need to keep extending new positive lines of credit, keep them in regular use, paid on time, but carry under 25% of your availability charged at any one time.
So in addition to the CU card, I went out and found an online store called Enchanted Attire (www.enchantedattire.com), where I was able to take out a $5000 credit line, do some shopping every so often and pay it right back off. It costs a little, but it ran me less than that BOA card and I am getting 10 times as much credit.
I'm looking for other credit now online. In fact, they seem to come easier as more and more open. All in all, I'm up mainly because I got that $5000 line from EA. It's taken some time, but I'm getting it done myself.
Bottom line...there are options. If your bank won't help you, or if it is one of those mega banks, go find a local community or credit union. They're more flexible. My case is proof. Once you do get those new bits of credit, don't go wild! Keep all paid on time and let the positive history of those accounts take hold. As the other negatives fade over time, you'll really start moving. |
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Fereix7
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Subject: HI
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Tue Feb 15, 2011 12:27 am
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| What would certainly be great with this discussion board is if perhaps you were able to sign up to threads that you generate; Is this possible? |
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jumbo2011
Joined: 26 Apr 2011
jumbo2011's page
Posts: 5
23 Magic Points
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Subject: Re: Improve Your Credit Score With Secured Credit Cards
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Wed May 04, 2011 11:11 am
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| Well, I didn’t understated that how can secured credit cards improve out credit score, Can you share some more? |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883
1916 Magic Points
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Subject: credit
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Sun May 29, 2011 2:36 pm
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| On 'secured' CC's, you (the consumer) put money on it every month. As you use your OWN credit and make monthy payments n it or pa it off every month, the the CC company shpould report your payment history to the CRA's. Remember..a 'non-secured' CC you already have the credit card. On a 'secured' CC, you hae to build your own credit. However much mney you may have on the CC is your credit limit (on a 'secured' card). |
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sdchargers_63
Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883
1916 Magic Points
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Subject: cc
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Tue Jan 03, 2012 4:25 am
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| I would like to add, as well, ......I was looking Secured CC's up on the web for a friend of mine. I'm surprised to find there are actually a few Secured CC's that don't have in their 'fine print' that they report to the CRA's. I thought they ALL did. |
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broudy
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Subject: helped
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Fri May 10, 2013 3:59 am
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| I went through lexington law its kinda expensive $99 a month but they helped tones they don't remove the debt but they get it removed from your report they usually get 1 item off every month from all three credit bureaus |
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debo
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Subject: cc
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Wed Jul 03, 2013 6:24 am
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| I am reading a few of the post and in regards to secured cc. I have two secured cc with applied bank. they are good and it did help increase my credit score. i also have a secured cc with wells fargo and an unsecured cc with applied bank. |
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crorkz
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Subject: kCBSFtugmzAmmjftCb
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Tue Aug 05, 2014 8:07 am
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| EBAY0M Appreciate you sharing, great blog article.Really thank you! Great. |
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Jeffery
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Sun Jun 11, 2017 11:20 am
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| If your credit score is not as high as you want it to be, then you need to contact this genius hacker (globaltechnologies46@Gmail.com) ...he's 100% …I guarantee he is for real..Tell him Jeffery Adernson referred you.He would respond promptly. |
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Karen Peterson
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Subject: Credit Report Fix
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Fri Sep 15, 2017 9:03 pm
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| Anyone swamped in various forms of debt with mortgage, rent, credit cards, student loans, taxes, car & personal loans and other inquiries affecting your credit score report? Write to easyhackghost@protonmail.com for help consultation. He assisted me clearing all my debts and rebuild my credit score report. |
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Faith williams
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Subject: I GOT HELP
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Thu Oct 12, 2017 10:16 am
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| I contacted globaltechnologies46@gmail.com after i got his email on here and he helped me fix my credit...i guarantee him 100% and thanks to Jeffery for recommending this genius to the world. |
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Andrea Jackson
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Subject: Do you need to fix your credt score?
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Sat Oct 28, 2017 8:57 am
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Thanks to you Rusty for referring creditscorerepairplc@gmail.com, he helped me increased my credit score to 800, i never believed it not until i logged in to view my new profile and i saw a new score of 800,
this is very amazing thats why i am sharing this to the public so you can know of creditscorerepairplc for his good work so get to him and fix your score |
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CREDITFI
Guest
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Subject: FIX YOUR BAD CREDIT
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Fri Jan 19, 2018 7:42 am
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CREDITFI
Need personal loan? we can help!!
$5000 to $50000
This program specializes in financing individual personal loans and desires to fix bad credit (i.e. You have your card maxed out or low credit min. is 600). CREDITFI specializes in fixing clients bad credit and rendering loans with the above range. This program is nationwide now!
WHAT DO YOU NEED:
# Min 600 credit score.
# Completed application.
# Credit release authorization
Formore inquiries;
Mail us at resolve1@creditfixtech1.com
Text or Call: +16078004681 |
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darex
Guest
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Subject: creditfi is different
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Fri Jan 19, 2018 8:08 am
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| Anyone caught in various forms of debt with mortgage, rent, credit cards, student loans, taxes, car & personal loans and other inquiries affecting your credit score report? Write to resolve1@creditfixtech1.com for help consultation. He assisted me clearing all my debts and rebuild my credit score report |
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bolojo1
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Subject: yes, try creditfi
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Fri Jan 19, 2018 8:11 am
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| i had a terrible credit situation. CREDITFI indeed resolved mine and i had to mull over my friends debt on the card but now its all fixed. i had my score from 621 to 657 lol but they are the geek. i go to them via there email resolve1@creditfixtech1.com |
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