ChanelLaQuan

2 Contributions 35 People Helped

Member Since: January 2016

Most Helpful Contribution

Capital One® Quicksilver® Cash Rewards Credit Card

Feb 14, 2017
Great for rebuilding credit
Helpful to 26 out of 27 people

My odds for this particular card was pretty good. I applied June 2016 and got approved for a credit line of $300 😏. I was excited because I didn't want to get the secured card. I'm in the process of rebuilding my credit and at the time of applying for this card I believe my credit score was 650. I would use the card to pay my light bill and then use the money that I was going to used to pay my light bill to pay the amount owed on the card. In about three months my amount was increased to $500. I recently applied for another card and got approved for $2800. I like how there's no interest for the first nine months. I have yet to get to the nine months threshold. I love receiving the Wii wards for this card. I love Capital One. Because they gave me a chance to build or should I say repair my credit back to good standards.

Activity (2 Total Contributions)

Capital One® Quicksilver® Cash Rewards Credit Card

Feb 14, 2017
Great for rebuilding credit
Helpful to 26 out of 27 people

My odds for this particular card was pretty good. I applied June 2016 and got approved for a credit line of $300 😏. I was excited because I didn't want to get the secured card. I'm in the process of rebuilding my credit and at the time of applying for this card I believe my credit score was 650. I would use the card to pay my light bill and then use the money that I was going to used to pay my light bill to pay the amount owed on the card. In about three months my amount was increased to $500. I recently applied for another card and got approved for $2800. I like how there's no interest for the first nine months. I have yet to get to the nine months threshold. I love receiving the Wii wards for this card. I love Capital One. Because they gave me a chance to build or should I say repair my credit back to good standards.

Upstart Personal Loans

May 12, 2017
Simple, quick and convenient
Helpful to 9 out of 9 people

This is my first time receiving a loan from Upstart. So allow me to share my experience.

A little backstory. I am currently unemployed, I receive Social Security disability & I also receive child support for my daughter.  As you may know it. There are a lot of loan companies that are not willing to give a loan to a person like myself because of that. But of course I wasn't going to let that detour Me. So after reviewing plenty of companies. I was down to Up Start & Marcus loans. After comparing the two. Up Start was the best for me. Simply because they do not do a hard inquiry until you actually except & sign your loan/promise Sarri agreement. All and all it took 14 days( including weekends) for me to : submit the application, upload necessary documents, do a phone interview, upload more documents( Drivers license), verify my email because the names were different on my Gmail account LOL. Then I was a proof May 11, 2017. Excepted the loan before 5 PM and received it May 12,2017 directly in my bank account @ 3am. Simple.

My CS: 698

Fico: 631

Derogatory accounts: 3

Hard inquiries: 7

I also have two credit cards.

I got approved for 2,500 with a five-year payment term. And which I'm going to pay it off within a year. At the rate of $61 a month. That way I won't have to pay back so much interest

This company is excellent. And I also chose when to make my payments. Also, they reply back on average pretty fast. Even though they have a lot of applications to review.