nbirnbaum2

go to www.annualcreditreport.com order transunion credit report its free. creditkarma uses data from transunion so that will show you.

go to your credit union like navy fed, otherwise join one. If you use a major bank your probably not gonna be happy.

denied 702 no baddies on report, too many inquiries due to id theft, their underwriting didnt care. They showed me their customer service up front, so Citi I dont believe I shall begin a relationship with you...ever

paying off unsecured revolving credit helps such as cards, paying off a loan could actually hurt you as it is an installment payment.

Say service members civil relief act to the bank, tell them he is deployed to japan was unable to speak to them or communicate the situation. get a copy of his orders they will be nicer that way. If you wish to recover money file a civil suit, then use marine legal department 1st sgt of his unit to have papers served.If you want this resolved fast find the legal rep for his unit and make him aware that you have filed civil litigation in CONUS against enlisted personnel. In pending litigation he will be ineligible for deployment and forced to return to CONUS. Please note this happened to someone I know and was brought back from Yakota. AF decided give him a general separation, not honorable, As a result of not receiving honorable discharge his GI bill was denied and ineligible for reenlistment.

with a repo and negative equity, as most cars are worth less than the loan amount your stuck in the loan, lenders are tighter than ever before, remember 740 is the new 680 as far as lenders. I would call the finance company and ask them to remove as a courtesy, most of the time if your are nice and loan in good standing they will work with you. That is unless you are dealing with a predatory lender such as Santander, "BofAholes", chase, fireside etc...

Admin is incorrect. I dealt with id theft, CC agencies kept running my credit I told the bureaus they had a police report and to block all fraudulent and unauthorized inquiries as a result. I had 13 inquiries deleted from experian 9 from transunion etc.

724 score, apply for a card without an annual fee, you qualify for much more benefits and larger credit line

got this with a 662 CK score a few months ago. good CHARGE CARD. Doesn't report a limit to the bureau, so it doesn't help credit score, cant calculate utilization.Reports high limit from your highest month spending.Good perks,like 90 day warranty etc. Good if you want a relationship with AMEX, Not same rewards program as gold or platinum, cheaper program. This is basically an over glorified DEBIT card with decent benefits. They double warranty on stuff purchased up to 5 years, that alone makes card worth getting. I have been spending $5k per month app on card, always PIF.

send out "pay for delete letters". you can search for pay for delete on google. most companies will delete the account off bureaus if they are paid. get everything in writing first before paying them. do no validate the debt. I got 21 negatives deleted. went from 515 to 701 score in past 9 months as a result. open a secured card, i used orchard bank so you have a good history when you get everything off. remember no PFD or validate , no money paid.

just got approved 662 credit karma score.I was denied sent in a reconsider letter. Just fixed id theft. Took a long time but fraud, underwriting, and executive offices overrode system and approved my app. 10k limit, decision and limit based off previous spending.

they are re-reviewing my apps, just got new ZYNC, blue app back in review status. They are attempting to fix situation after my escalation.

i just picked up this card and a zync charge card. 662 credit karma score. Please note I just fixed an id theft from 2006, yts its several years later and their executive offices and fraud dept stepped up to help out as I had a very good relationship with them before id theft. Get a zync card, almost as good as the gold and $25 a year instead of $125 a year.

use billpay from your bank, if they receive the payment from your bank there is NO hold

call them comp problem, they reported to all 3 in my case super fast

horrible card , had id theft. they closed instead of fixing reinstating account as requested, still wont let me open account back up. Credit sore 697 fico but they said says account is in collections, customer service verifies they wrote off as fraud and I am not liable, and executive offices do nothing and say they stand by decision and to reapply in a few months. This company throws you in circles and is INCOMPETENT.

i have had this card for 3 months. They haven't reported account open to any bureaus. I have activated but not used the account.

if its that low you need a fresh start, contact an attorney

use billpay feature on your checking account, should be able to access off your banks website when you pull up checking info. 2-3 days to process no funds hold

I agree take out this card and file a chp7.If you can, send pay for deletes for 10 cents on the dollar otherwise chp 7. do not include this card in the bankrupcy you need a clean slate, you should recover in about 2-3 years. Collection agencies sell accounts to eachother run inquiries to keep low score whatever you do

HOW TO AVOID PAYMENT HOLD OF 14 DAYS and get better customer service bypass and india morons

this will payment will post in 2-3 days no payment holds

use billpay from YOUR BANK their info is
HSBC CARD SERVICES
P. O. BOX 60102
CITY OF INDUSTRY, CA 91716-0102
(888) 385-8916

for customer service DO NOT CALL 503-245-2980 on your card

call the number reporting to the credit bureaus
HSBC BANK
(800) 477-6000
you will get a real american that can help you and not read a script.

Ive been dealing with an id theft issue or 3 hijacked and 13 new cards opened in my name. Dropped score to 515 from 713. Been clearing up for a year. All derogatory info gone along with my complete 10 year perfect history. When all items deleted and 6 months payments made on time,i use card only to buy a pack of gum then pay off, score jumped. 515 to 569 from deletions and up to 642 within 6 months of card open. Note they took over a month to send me the card due to security freezes etc alerts etc, and had to get a manager involved. Dont call the number on card call the number on your credit report, much better service not based out of india. Do not use as a regular credit card. Spend 5 bucks on it then pay off asap. Added my name as authorized user on family members amex, cut up the card score than hit 712. All within a 1 year period of restoration. Cant wait for the extra 10% from credit time to kick in to increase more. Just called amex and because of prior 9 year history they immediatly sent me a new platinum with 10k limit. In conclusion DO NOT SPEND MORE THAN 10% percent OF THE CARD, this hurts your score all you need is a minimal payment showing on the bureau.