All the bad stuff will be out by then. You might miss out on a few hundred bucks

Jul 13, 2019
10:03:12am

cougaman All-American

of rewards, but thats tiny in the grand scheme of things financially. Just don't ever pay interest for anything again (except maybe a house)

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cougaman

Bio page: cougaman
Joined: Mar 11, 2006
Last login: Apr 27, 2024
Total posts: 68,580 (4,431 FO)

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Messages

Author

Time

Credit: This is a bit embarassing to post.

rtNelson

7/12/19 11:36pm

Stick with it. Use it and pay it off every month. You'll soon be eligible for better cards with higher limits.

mulletino

7/12/19 11:38pm

Thats the plan for now, eventually just want a card with 2% rewards

rtNelson

7/12/19 11:43pm

I've been told that carrying a balance and simply making your payments on time

Left Shark Coug

7/13/19 6:54am

All credit bureaus know is your statement balance.

mulletino

7/13/19 12:14pm

Hire a credit repair attorney

Bleeding Blue

7/12/19 11:44pm

I have 4 things total on my credit.

rtNelson

7/12/19 11:54pm

You can send letters, and if they're not responded to in time, items can go off.

dYrtbYkerYder

7/13/19 1:49am

Say that the debts have been paid

scott715

7/13/19 7:40am

Not the point of the letters. They would be asking for proof that the negative

dYrtbYkerYder

7/13/19 8:47am

I haven't tried it, but read about Experian Boost. That might help you.

Narfin'Coug

7/13/19 12:02am

You could try calling if you have large investments with them, they may give you

califcougar

7/13/19 12:11am

It is hard to be patient, but keep plugging along. You'll be fine

Acorn

7/13/19 3:21am

I pay Experian and use their app.

rtNelson

7/13/19 9:44am

Why didn't you start rebuilding it sooner? Honest question.

dYrtbYkerYder

7/13/19 10:00am

Honestly. I was,making enough to float by.

rtNelson

7/13/19 10:04am

Nothing to be embarrassed about. You have low credit because you have almost no

cougaman

7/13/19 4:01am

No plans to buy a house in the next 7-8 years or so.

rtNelson

7/13/19 9:46am

All the bad stuff will be out by then. You might miss out on a few hundred bucks

cougaman

7/13/19 10:03am

This is bizarre, how long ago were your credit errors?

gww687

7/13/19 7:00am

4 years ago with no activity since.

rtNelson

7/13/19 9:41am

No errors or no activity since?

gww687

7/13/19 9:50am

Schwab. Which exclusively deals with amex.

rtNelson

7/13/19 9:55am

Go apply for Chase cards

gww687

7/13/19 11:54am

After about 6 months of using the card and paying it off call and see if they

Cobra Venom

7/13/19 11:35am

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