Harry7900

2,386 Contributions 457 People Helped Top Contributor

Member Since: May 2016

Most Helpful Contribution

OpenSky® Secured Credit Visa® Card

Apr 12, 2019
A great card for rebuilding credit
Helpful to 103 out of 114 people

Whether your are starting out in life or, like me (rebuilding credit after bankruptcy) this card is actually pretty good. I sent a deposit and received a credit limit equal to my deposit. About six months in they increased my limit without an additional deposit. Using this card for daily needs (gas, groceries) and paying it in full every month increased my credit score substantially. When I got my score back to “prime” borrower status, I closed this card and got my security deposit back in about three weeks. The credit limit on the card was so low that closing it didn’t affect my credit score. This card does exactly what it’s intended to do - it helps you help yourself to a better credit score. I recommend it to anyone who needs help boosting their score.

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OpenSky® Secured Credit Visa® Card

Apr 12, 2019
A great card for rebuilding credit
Helpful to 103 out of 114 people

Whether your are starting out in life or, like me (rebuilding credit after bankruptcy) this card is actually pretty good. I sent a deposit and received a credit limit equal to my deposit. About six months in they increased my limit without an additional deposit. Using this card for daily needs (gas, groceries) and paying it in full every month increased my credit score substantially. When I got my score back to “prime” borrower status, I closed this card and got my security deposit back in about three weeks. The credit limit on the card was so low that closing it didn’t affect my credit score. This card does exactly what it’s intended to do - it helps you help yourself to a better credit score. I recommend it to anyone who needs help boosting their score.

Avant

Jan 08, 2019
Good for what it is
Helpful to 26 out of 29 people

Immediately after my bankruptcy discharge, I applied to Avant for a small loan for the sole purpose of rebuild my credit. Coupled with a secured credit card, my timely payments to my loan and my credit card made my score rebound back to close to 700 in just over a year. Again - the interest rate was very high, but I only borrowed a small amount and paid it off early. Use them to put yourself in a better place credit-wise and get them paid off quickly; if you use Avant for any other reason, or borrow anymore than about $1000 from them, at 35%+ interest you’ll spend the rest of your days trying to pay them off. Use Avant to get your credit score up, pay them off then put them in the rear-view forever.

Should I avoid the dealership financing agents every way possible?

Jan 29, 2019
Helpful to 49 out of 57 people

Your best bet would to have your own financing prearranged and in-hand before you go shopping. Get your bank or Credit Union to pre-approved you and you will not only get the better interest rate from a bank you know, your credit score won’t be put thru the ringer with a bunch of hard inquiries over one vehicle loan.

When will my bankruptcy come off of my credit report so my score can increase?

Dec 05, 2018
Helpful to 29 out of 34 people

Your bankruptcy does not have to come off your credit report for your score to increase! I’m 2 years out of bankruptcy and my score is already back up to 700. That’s not how it works - if it worked like that you’d be out of luck for 7 to 10 years!

Just filed Chapter 7 with a 543 credit score and wanna know what my score will be after discharge?

Feb 15, 2019
Helpful to 5 out of 5 people

I wish Credit Karma would ban you.  You are insulting and you don’t know what you’re talking about. You repeat the same garbage over and over. Have you ever filed bankruptcy and received a discharge? It is a proven fact that bankruptcy improves credit scores. The only thing you said that’s true is that you have to rebuild your credit after bankruptcy. The fact that bankruptcy stays on your credit report for 10 years does NOT mean your score is trash for 10 years. My score is 700 just 2 years since my discharge. You need to find another hobby.

Credit One Bank® Cash Back Rewards Credit Card

Apr 12, 2019
Use it to rebuild your credit then dump
Helpful to 19 out of 23 people

This card is ok I guess. This was the first unsecured I applied for and received after bankruptcy. Using it and paying it off every month improved my score dramatically. At a time when your options are limited it’s an ok card - but when you improve your score enough to get “prime” cards, get rid of this card! Some of the things I didn’t like is 1) getting through to a customer service rep you can actually understand is impossible; 2) when you make a payment online they take up to 6 days to credit the payment to your account - sets you up for a possible late hit; 3) if you want your payment applied in a more reasonable 3 days time you have to pay them 10 dollars for the privilige of an “express” payment; 4) they once sent out a mass text telling everyone their payments were late. This is 2018 - you really can’t do better? 5) when I tried to close the card they transferred me to a super-fast talking Indian guy I couldn’t understand, who basically talked over me and wouldn’t allow me to tell him to close the card - I called back the next day and the next guy, who was a little easier going, closed the account. If you need to improve your credit score and have a high tolerance for BS this card is for you - otherwise, take anpass.

someone added you as an authorized user for their JPMCB CARD credit card

May 26, 2019
Helpful to 11 out of 13 people

Chase is now JPMCB. I did not get any emails, but when I checked my credit reports two old and long-ago closed Chase accounts had been renamed. No big deal. This will only affect you if you have or had any accounts with Chase Bank.

Credit report showing foreclosure but payments up to date and no warning from loan company.

Dec 07, 2019
Helpful to 2 out of 2 people

Ignore Credit Karma and CALL YOUR LENDER.

What is SYNCB/PPC

Nov 28, 2019
Helpful to 2 out of 2 people

Synchrony Bank/PayPal Credit.

add authorized user on card good or bad for other person?

Sep 26, 2019
Helpful to 2 out of 2 people

It’s a great idea - if you pay the bill on time and don’t carry a big balance - and if you can trust them to NOT go on a spending spree. Even though an authorized user is NOT liable for the bill their credit will suffer (just like yours will) if you are late with a payment or carry a big balance, go over the limit or otherwise default.

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