276 People Helped
Member Since: August 2014
My Website: https://airup.online
Me to, 1 year should be the norm.
Johnnyboyky's reply was:
Firest off let me say this, I am the only one reponsible for my actions and making bad life choices in the past, which included ruining my credit. Starting off with a score of 480 back in August 2014 when I originally downloaded the Credit Karma app, I started disputing all my bad credit, had 24 accounts on my file and now only have 2, took a few years, so dispute, dispute, dispute. Was approved for a $7,500 auto loan through Cap 1 and been paying on time since Jan., 2016, and my scores are up to 629 TU and 626 EF, I stay a month ahead on the payment. Today, I decided to apply for this credit card, since Credit Karma said my odds were very good, I haven't seen that in a long time, well, was approved for $300 today for which I am grateful, I know my scores are gonna take a little dip off the rip, but I'm ok with this, credit rebuilding is for the long haul, just like life is a Journey and not a destination. Thanks Cap 1 for giving me a chance with this new card, reguardless of the APR. I'll use this card to buy gas and not go over $80 a month as to keep the utilization under 30%. Remember peeps to DO MORE and HELP OTHERS as this is why we were created, Blessings :)
Johnnyboyky's response was:
RG saved me $75 a month and dropped my interest from 10% to 5% with 45 days to my first payment, loan process was quick and easy, 659 credit score. Awesome service, will and have recommended to family and friends, thanks RG.
Quicksilver charges $39 a year and the APR is 23.24%, ?????
Before appling for this credit card on 8/22/16 and a Fingerhut card on 8/23/16, which I have been approved by both, my credit scores were 629 TU and 626 EF, I had 3 hard inquiries on TU and 6 on EF, now have 4 on TU and 8 on EF, my scores dropped to 626 TU and 597 EF. This is not a big thing and here is why. 3 out of the 4 inquires on TU will drop off by 12/2017 and 6 of the 8 inquires on EF will all come off by 12/2017. With this new CK update today, one collection account was taken of my TU from a direct dispute, so as I said before, I had 24 negative accounts on my credit report when I first downloaded the CK app in 8/2014, well, 23 negative accounts have been removed since then and only have a negative left on EF. Keep in mind that either of these 2 new accounts are on my credit report yet and I made a $30 purchase on Fingerhut the same day I recieved the $400 CL on 8/23/16 and paid it off on 8/26 before the product even made it to my house today. Here is my goals, not apply for any more credit until this time next year, continue to keep my accounts with a 100% on time payment history, don't use too much credit with these cards and have the money in the bank when I do, to pay off balances way before the due date. As time goes on and credit lines slowly increase my scores to go way up, moral of the story is this, I started with a 480 credit score back in 2014 and no chance at even getting credit, now this year have 3 new different credit accounts, 1 auto loan, 1 credit card and 1 store card, so a good mix, remember just because your scores go down doesn't always mean it's a bad thing, being responsible, paying on time and changing old behaviors help out tremendously. I'll report back with another update right before Xmas and let you know what's happening with my credite. Utilize all the information CK has on the site and learn, learn, learn, dispute, dispute, dispute. Fingerhut is a good place to apply, as from what I read, they do CL increases often.Overall be patient, it takes time and work. Please DO MORE to help others, our world needs all the help it can get.
Good Job, Awesome