- 5,233
- 2,323
Call it micromanaging if you would like, im 5 off to hit 800 
24 Looking to build Credit... What are some good tips on your first Credit Card
- Thread in 'General' Thread starter Started by trynafeelmink,
- Start date
- 5,365
- 2,121
Call it micromanaging if you would like, im 5 off to hit 800
I'm sitting at 831 without micromanaging.
- 5,365
- 2,121
Yea, there's literally no such thing as a "no limit" card. You may not have a pre-set limit but they pretty much cut you off at a point where they feel comfortable that you're able to pay in full.
- 290
- 40
Will paying off my stuff in collections and disputing them on my report raise my credit score? Or is it cheaper to just let the stuff sit on my credit for the seven years? Im new to this threas, really should have been checked it out honestly.
- 21,597
- 18,650
- 10,915
- 2,735
Call it micromanaging if you would like, im 5 off to hit 800
I'm sitting at 831 without micromanaging.
#800clubNoMicromanaging
- 10,915
- 2,735
Do you have no plans for loans in the next 7 years?
Last edited:
- 6,375
- 3,694
Call it micromanaging if you would like, im 5 off to hit 800
teach me fellas. i recently cleared all my collections couple 30 day late payments though. im at 618 fml
- 94,415
- 33,477
618 isn't that bad especially after clearing negative and what not. You can get into the 700s quite easily
ogmcmxcii
Banned
- 5,731
- 2,001
Smh I f'd up my **** because of a student loan (I'll never take one out ever again) and couple of creds anyways at 561 [emoji]128531[/emoji]
- 6,375
- 3,694
how does one achieve
- 8,906
- 2,685
I went from a 777 to a 500ish because of two student loans that were sent to the wrong address while I thought I was in forbearance
:x. Just try and finesse your way out of them removing it but its going to take persistence and time.Navient/Sallie was the easiest and most willing to update to no delinquencies and lates as long as you have an agent who is good. AES is another story
- 5,365
- 2,121
I went from a 777 to a 500ish because of two student loans that were sent to the wrong address while I thought I was in forbearance
Navient/Sallie was the easiest and most willing to update to no delinquencies and lates as long as you have an agent who is good. AES is another story
Man. I have Navient and AES as well. lol
- 8,906
- 2,685
Last edited:
- 3,766
- 7,672
719 ... i haven't had any credit cards or student loans though...just a couple of car notes and such...
my fiancee on the other hand though... her mom put her name on a whole bunch of stuff when she was growing up...her credit is terrible...but she brings in more money than i do...
we are looking for a house before we get married but we aren't getting pre approved for a lot of money...looking into getting a credit card through my credit union for her but they won't except her until we are married...sucky situation...
my fiancee on the other hand though...
her mom put her name on a whole bunch of stuff when she was growing up...her credit is terrible...but she brings in more money than i do...we are looking for a house before we get married but we aren't getting pre approved for a lot of money...looking into getting a credit card through my credit union for her but they won't except her until we are married...sucky situation...
- 8,906
- 2,685
719 ... i haven't had any credit cards or student loans though...just a couple of car notes and such...
my fiancee on the other hand though...
we are looking for a house before we get married but we aren't getting pre approved for a lot of money...looking into getting a credit card through my credit union for her but they won't except her until we are married...sucky situation...
why dont you get approved with a CC then add her as an Authorized User so she can build. Sucks her mother put her name on a whole bunch
- 5,365
- 2,121
luckily we only have these two. I heard of people with several :x
I have one other as well. Need these gone. Might try to pay off AES and my other one ASAP. Navient has the largest balance.
- 21,730
- 7,668
- 1,327
- 152
I guess I got off good just having Navient... Everything is under one and they break it down so every loan gets a cut.
- 228
- 79
I want a house within the next three years. I made alot of mistakes around 20-25 years of age supporting a female that wasn't really working. Alot of my debts are from 2009-2012.
- 10,915
- 2,735
If that's the case, you'd want to shape up your credit report ASAP. Pay off what you need, make sure you have enough dough for a decent down payment but still have enough to actually pay your mortgage.
- 228
- 79
Right that's the plan, I was wondering how much does it help to go ahead and pay those off. And I heard that that stuff still show on your credit report even when you pay it. Is that true?
- 5,365
- 2,121
Depends on how you negotiate it with the creditors.
comptonprince
Banned
- 8,744
- 2,221
Explain my G
- 228
- 79
I was on credit karma the other day. they have a feature called direct dispute. Looks like they will dispute it for you if there is a mistake or its already paid.
