cropchick

Apply for a secured credit card. I did! Jumped my score 15 points!

Try credit unions!

Cant an "UNWANTED" credit card account be closed thru desputing in thru the credit report?

What is the "VANTAGE" score mean?

YEA RIGHT!

My bankruptcy will be falling off my credit report in about 3 years. How will that impact my credit score?

It would increase it. BUT??? by how much is hard to say. Just pay them off!

I'm not sure what the problem is. Your "$200.00" earns interest. Not much, but better then nothing!

Mod is right. If you're not making the "agreed" payment/minimum payment it can be sent to collection. UNLESS, you have spoken to them in the past and they agreed to the reduced payment. If they did, do you have it in writting. Collection companies will NOT REMOVE from the credit bereaus and part of a negotion. TRUST ME, I work in collections. It's on there for the nest 10 years! If you don't make the agreed payments with the collection company, be prepaired for wage garnishment!

I recently have been approved for a secured credit card. How soon should I see any change (if any) to my credit score?

I've recenlty been approved for a secured credit card. YEA ME! How soon after will I see a change in my credit scrore?

I would contact the credit reports and tell them it's beyond the statue of limitations. I recently did that with a couple of things, and they were removed!

I have some credit cards (closed) that are about to "fall off" my credit file. Will that change my score any?

I would give them a call.

The application should tell you that?

With secured cards they don't increase your limit. It's based upon your deposit. Not to mention getting an unsecured credit card is hard period in this economy.

Good Luck Jess!

Me too!

Once a bankrupct period has cleared, how is your credit score improved?

I would try credit unions