Arabus1987

339 Contributions 2,946 People Helped Top Contributor

Member Since: May 2015

Most Helpful Contribution

Capital One® Platinum Credit Card

Apr 09, 2016
Update on My Credit Rebuilding Journey
Helpful to 1997 out of 2077 people

Cap One took a chance on me in May 2015 when they sent me a pre-approval letter. My credit scores were mid 500s across the board.   I had two medical collections, three state liens (paid and released) two judgments, 4 charged off accounts.  

I applied and was given a $300 limit.  A day later, I received another pre-approval offer.  I applied and was given another $300 limit.  Three months later I requested a CLI and was bumped to $800 on both cards.  I also asked when my cards would be eligible for upgrades.  To my surprise, they were both upgraded to QuicksilveOne.  My credit steps increases' kicked in around November and December.  I was bumped to $1,300. 

Since then I've been approved for Discover IT, Chase Slate (now upgraded to Chase Freedom Unlimited), Chase Freedom, First National Bank of Omaha and a few others. My total credit lines are a little over $11000.  Not a lot but I'm getting there.  I try to keep my utilization below 19%.  My FICO score is 670. 

I can't stress this enough, the ore knowledgeable you are about credit and how it works, the better off you'll be.  I bougt a book called Credit Repair by Robin Leonard.  Between that book and the information I've gotten here I'm in a much better place.   Keep in mind, what works for one won't necessarily work for the other.  Don't get discouraged never give up.  I've gotten the two collections removed, the charged off accounts are gone and I'm working hard to get the public records removed as well. 

I will be forever grateful and a loyal customer with CapOne.  I'm going to break 700 shortly and I plan to keep it there.  My goal in a year is be in a position to get approved for the Quicksilver and Venture.

Set your goals and stick with them.  Never give up!  Good luck to all.  

Activity (339 Total Contributions)

Results 11-20 of 339Results per page: 5 | 10 | 25Page 2 of 34   Previous | Next

The Amex EveryDay® Credit Card from American Express

Nov 03, 2016
Helpful to 12 out of 12 people

Come on now you've got to explain how this happened.

Capital One® VentureOne® Rewards Credit Card

Nov 13, 2016
Helpful to 11 out of 11 people

Did you not bother with them before or after you applied with them and was denied....

Capital One® Platinum Credit Card

Jul 07, 2019
Helpful to 10 out of 10 people

Most companies require that the charge posts before you can dispute.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Sep 22, 2019
Helpful to 16 out of 17 people

You can spend and pay. If you’re not swiping you won’t get increases.

Capital One® QuicksilverOne® Cash Rewards Credit Card

May 30, 2017
Helpful to 8 out of 8 people

This isn't a top tier card. It's one of their rebuilder cards. Did you mean to apply for the Quicksilver card instead of the QuicksilverOne?

The Amex EveryDay® Credit Card from American Express

Apr 28, 2017
Helpful to 8 out of 8 people

Why are you dissatisfied with the card?

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apr 19, 2017
Helpful to 8 out of 8 people

The fees along caused you to file for bankruptcy? Sorry to hear that.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jun 16, 2016
Helpful to 8 out of 8 people

Where do you guys get these numbers that you supposedly lost for applying and being denied. No way you took a 40 point hit for applying.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Nov 10, 2015
WONDERFUL
Helpful to 7 out of 7 people

In May 2015, I received two pre-approval letters for the CapOne Platinum cards. I applied and was approved for $300 limits on both.  I applied for a CL in August and got a $500 increase on both cards.  I also requested upgrades on both cards which was granted.  I am enrolled in the credit steps program.  My sixth statement drops on one card tomorrow and the other on the 24th.  Can't wait to see if I get another increase.  I've gotten in rewards.  My score has moved from 586 to 670.  Thanks CapOne for given me another chance to prove my credit worthiness.  

The Amex EveryDay® Credit Card from American Express

Oct 21, 2017
Helpful to 7 out of 7 people

That's not what the check spending tool is for. It's used to see how much, if any, you may spend over your credit limit.

Results 11-20 of 339Results per page: 5 | 10 | 25Page 2 of 34   Previous | Next