JRIVER20

16 Contributions 88 People Helped Top Contributor

Member Since: February 2013

My Website: http://www.jacintorivera.com

Most Helpful Contribution

Capital One® VentureOne® Rewards Credit Card

Sep 17, 2015
Yahoooooo!!!!! I was Approved!
Helpful to 28 out of 29 people

I spend so many years correcting my credit report. I spend many years trying to keep a healthy score. Finally after a years of having my Secured Capital One I did apply for Capital One Venture. With a Fico of 781, and Scores of 723 with Trans Union, 709 Equifax and 753 with Experian, currenlty hold a Capital One Secured Card with $1,650 and a Amazon Store Card with $2,700. I was instally approved for a credit line of $10,000. I almost fall of my couch, because I only expected to be approved for no more than $1,500. I am so excited because I will optain rewards with my purchases, there is no anual fee and my APR is 16.90% which is not bad. It is good to be part of that 1% approved for credit line of $10,000 - $20,000. WOOOOOW I am happy!

Activity (16 Total Contributions)

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Capital One® VentureOne® Rewards Credit Card

Sep 17, 2015
Yahoooooo!!!!! I was Approved!
Helpful to 28 out of 29 people

I spend so many years correcting my credit report. I spend many years trying to keep a healthy score. Finally after a years of having my Secured Capital One I did apply for Capital One Venture. With a Fico of 781, and Scores of 723 with Trans Union, 709 Equifax and 753 with Experian, currenlty hold a Capital One Secured Card with $1,650 and a Amazon Store Card with $2,700. I was instally approved for a credit line of $10,000. I almost fall of my couch, because I only expected to be approved for no more than $1,500. I am so excited because I will optain rewards with my purchases, there is no anual fee and my APR is 16.90% which is not bad. It is good to be part of that 1% approved for credit line of $10,000 - $20,000. WOOOOOW I am happy!

What does it mean when a collections account has been removed?

Sep 17, 2015
Removed means Gone!
Helpful to 26 out of 29 people

If your credit report agency is letting you know that it is removed, it mean the items are not listed any longer harming your creidt score. However, every credit report agency works difrently. You should conntact all 3 major agencies to ensure it was removed from all of them if reported to all 3. Some agencies like experian can be bad agencies and dont care about your complains and demands so you have to continue contacting them in order to have items removed properly. 

Credit Card Rates by Credit Grade

Jul 30, 2014
Helpful to 7 out of 7 people

Killerteacup's

DCU Digital Federal Credit Union offer some sured and none secured credit card with some really nice low interest. you should look into, I only bank since 1993 with credit unions, regular banks are thieves with government licencess. 

Blue Cash Everyday® Card from American Express

Sep 17, 2015
Denied Instantly W 781 Fico & 753 Exper.
Helpful to 6 out of 8 people

I did Apply for this credit card and even though my Fico score is 781, my transunion 723, Equifax 709 abd Experian 753, I was decliened. The odds were very good for approval so I give it a try. Few dates Latter I found on my PO BOX a Pre aproved Delta Gold Miles by Amex, and the Aplication was cancelled with the following message " Due to policy We can not approve someone who has been declined" it is my understanding that My Delta Gold Miles by Amex was going to be approved but because I was prevooucly decline bron the Blue cash everyday I wasnt allowed. That evening I  Apply for the Capital One Venture card with rewards and I was instantly approved for $10,000. How long do I have to wait or should Wait before re-aplying for the Delta Gold Miles by amex or any American Express Card?  Thank you. 

I would like to know can you remove dismissed bankruptcies?

Jul 30, 2014
Helpful to 6 out of 8 people

Daberg211's

Sadly yes Lexington Law do ask you to pay upfront for their services, but by my experience i can tell you they do work for you, They did help me removed many many items from my credit report that has false information, incorect information, such dates and creditors and so on. 

Sadly it is over 50$ but hey they did for for me and I only used them for a few months. depending your credit report you can used them from 3 to 6 months max and closed the account. 

Blue Cash Everyday® Card from American Express

Sep 18, 2015
Don't waste your inquire, Wait for offer
Helpful to 7 out of 12 people

A little bit about me, Zero students Loans, Amazon card with credit line of $2,700, Capital One Venture Card with credit line of $10,000, Copital One Secured with credit line of $1,650. Trans Union score 723, Equifax 709, Experian 768. Fico 781. I did apply for this card and little did I know I received few days latter a pre-Approved for Delta Gold Card by American Express. After applying for the Blue cash everyday I was denied instantly, according to American Express, (My credit card has little over 1 year open) which is understandable, however, what I dont get is how they let me know in the letter know that my score was very low (hahahahahaha) I couldn't stop laughing. I was told my Fico was 728 when in fact it is 781 and my experian score 768. If they didnt want to apporoved all they needed to do is say so, not lie about it. 

Howver, I did submitted my pre-aproved Application for the Delta Gold Card and I was told the application was cancelled because by their policy, they can not approved anyone who has been previously denied. I am not sure what that means. (honestly) But I recomend that rather than wasting a inquiered on your credit report, please wait for them to sent you the pre-aproved notice. I really wanted Amex because I have a costco near me and it is the only card they used, I could used the miles and rewards. 

Does anyone knows how long I have to wait before I can Re-Apply after been declined? 

Thank you 

Digital Federal Credit Union (DCU)

Sep 08, 2014
Great Credit Union for Banking

I opened my checking account with "DCU" Digital Federal Credit Union one year ago. All I have to say is, I live in New York and this credit union is located in MA, but I have an account with them because their services are amazing. Also Customer service is great. If you ever encounter any issues, the staff will guide you through the process to have the issue resolved. Because of the well services i have received on my checking account, I did open my small business account with them which is great to have everything at one plave and see it on your smart phone. Also their website is loaded with stuff that can help you in case of any issues. Why did I give a 4 stars and not 5 stars, Well I wanted to obtain one of their low interest rate secured credit cards and I was denied, so I am stock with Capital One.

Blue Cash Everyday® Card from American Express

Sep 09, 2015

It is sad but that happen to me with a different credit card "dell" even though I was making payments to it. It is sad because this companies decision will screw your credit score a lot. I was told by dell that my card was close because of my credit report.

How much will my score go up after a bankruptcy is removed from credit report?

Jul 27, 2015
Disappointed of it!

After 10 years  waiting and with re builded credit score up to 710, the removal of my bankruptcy drop my score down to 665. I am so disappointed of how the system works. 

Recovering from Bankruptcy

Jan 22, 2015

I honestly do not recomend anyone to file bancruptcy if they don't have to, or unless it is their last option. I was young once and stupid, thinking a lot credit cards will help me get that dream house one day and the fact was, I end up filing bancruptcy after losing my job in 2001 with nearly 15 credit cards. I did chapter 7, but trust me having that tag hanging on your credit report for 10 years is not fun. I could only obtain secured credit cards cause everyone else will respond, reason for denied "bancruptcy". 

So if you think that filing chapter 7 and getting and apple card or a chase card will be easy, it won't. You have to build your credit first. I recomend using a credit union like DCU, that offer low interest rates and your secured card can be up to $10,000 plus will obtain interest. It is your money, but you have the peace of mind that if something would to hape , that card will be paid off. Plus why opening an secured account with a big bank like capital one who do not paid interes rate but hit you with a 24% interest rate. Does it make any sense ? 

Always check your  3 reports, these 3 credit agencies don't really care about you, and if information is wrong , well you are on your own. I myself fighted with them because they have me listed with nearly 8 different names, which will make you look like a criminal!  It toke years before it got corrected even by sending my ID's, passport and so on.

Credit card companies are very funny when it comes about reporting your info, some do manage to change reported dates in order to keep information longer on your reports. That's why I always keep in record a full credit report at home to compared with the new reports. Only by having so you can actually dispute the wrongly information. I know it seems like a lot work, but it does pay off. I got to manage to removed few credit cards that end up closing my account with out my concern but kept changing the dates in order to force me to pay the bills even though it should had been removed. 

Think about placing a credit freeze on your account after you get the credit cards you need. This way no one, no company can get into your report and post anything without your permission. This way you also stop mass mailing credit card application that may contain your name miss spelled and was probably reported. Only unlock on a few months basis if you are applying for a house or a new credit card and provide and authorize code to those you wish to have them look into your credit report. 

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