Time

admin on March 10th, 2010

Second auto CLI from chase I have had since being completely free of debt and using credit the right way, which is PIF every month. Just like clock work on the 3 month mark from last time I got a $300 increase.

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I used to have a Chase CC back in college (about 9 years ago) and I remember they used to “jack up” my credit limit almost randomly.  Started off with a $3000 limit and within 5 years, the credit limit had increased to $13,000.  Unfortunately, I was young/immature/naive and got myself into financial trouble with the high credit limit (couple 90+ day and a handful of 30+ day late payments).  I ultimately enrolled in a credit counseling program and eventually paid off the CC debt.  However, one of the requirements for enrolling in the program was that the card would be canceled.    Anyway, I’ve greatly improved (not perfect, but trying to get better) in managing my finances since my college days.  I have not had a late payment in nearly 2 years and successfully raised my FICO score from about 528 to 691 (TU) / 678 (Equifax).  I currently have 2 CCs with credit limits of $3500 (Capital One; opened 11/2006; 2 30 day late payments back in 2007) and $500 (Barclays Bank; opened in 6/2007; 1 30 day late payment back in 2007).  Currently, I carry no balance on the cards, but I have maxed out the cards in the past.

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admin on March 8th, 2010

Recently opened up a department store credit card to receive saving son new appliances and the like.  We have the money to pay it off when the bill comes in.  Should we close the card right away or keep it open?  It will have only been open for about a month by the time we pay it off and then close it

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jedwan on March 3rd, 2010

How long does it take a credit card that has been past due for the last 3-4 months (due to unemployment) to show back up on credit report as being paid and current.

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admin on March 3rd, 2010

81.128.0.0/11 LISTED 3531 3050 Not available at this time. Listingcounter is still growing ! My ISP Is bt connect, and my IP Address has ben blacklisted

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I stumbled across this site last week and spent most of the weekend reading posts, some of the sticky threads and gaining a wealth of knowledge I wish I had just a few weeks, months and even years ago.   I paid off all of my debt starting in November and finished up with my last payment to Bank of America last month.

Continue reading about Citi Secured – Denied – is there still a chance?