Sadarr1985

246 Contributions 1,153 People Helped Top Contributor

Member Since: January 2014

About Me: I Try And Help Those Who Are Trying To Rebuild There Credit And Increase There Credit Score! And So Here Are A Few Tips That Has Helped Me!

(#1) Get A Copy Of All Three Credit Reports!

(#2) Check To See If You Have Accounts That Are Not Yours! Write Letters To Those Lenders, And Inform Them That Those Are Not! Your Accounts And That You Want Them CLOSED!

(#3) This One Is Very Important! Put A Credit Freeze! On All Three Of Your Credit Reports, The Cost Of This $5.00 For All Three! Keep Your Security Pin Number! This Credit Freeze Does Not! Effect Your Current Credit. Your Creditors Will Continue To Report To The Three Credit Bureau's.

Most Helpful Contribution

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jul 28, 2019
I OWN IT!😎😎
Helpful to 99 out of 124 people

  I Have Had This Card Going On Two Years Now!  With Only One! Credit Line Increase.  But Other Than That!  I Have No Complaints.  Here Is A Small Secret Tip For All Of Those Who Are Reading My Post!  I Do Not Know Why?  

  But Almost All Of The High Top Of The Line Credit Card Issuers If They Don't See CapitalOne On Your Credit Report, Then The Odds Of You Being Accepted Is Pretty Low!  I Don't Know Why?  But It's A Little Unknown Secret!  So Even If You Get A Secured Card From CrapitalOne It Will Be On Your Credit Report!  I Hope That My Post Is Helpful

Activity (246 Total Contributions)

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Capital One® Quicksilver® Cash Rewards Credit Card

Jan 28, 2018
I OWN THIS CARD
Helpful to 38 out of 41 people

  Just Last Year, I Used My Card To Rent A Movie From RedBox, At Which I Returned The DVD, Then I Noticed That RedBox Was Charging Me $39.99, I Called RedBox, And They Informed Me, That I Had A DVD Still Out, And I Was Getting Billed.  I Informed The Operator That I Did Return It!  And She Said That, That Was Not The Case.

  I Informed CapitalOne, And They Put A Freeze On My Account, And Sent Me A New Card, With A New Account Number!  Thanks To CapitalOne, Not Only Did I Received A New Card, But My Charges From RedBox, Was Also Refunded Back To Me!

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jul 27, 2017
Capital One® Quicksilver One
Helpful to 58 out of 65 people

When I Got This Card Capital One Started Me Out With A Credit Line Of $300.  I Used It For Small Purchases,  And After 60 To 90 Days, Paying My Bill Before It Was Due, Capital One, Increased It To $500.00  Without Me Asking For A Credit Line Increase!  Your Cash Rewards Contine To Increase, As You Use This Card, With Out It Expireing!  As Of Right Now, My Cash Rewards Is Close To $40.00.  You Can Use Your Cash Rewards To Pay Your Outstanding Balance If You Choose!  I Am Holding Back Mine, To See How High I Can Get It To Go!  And Also Just Incase I Get Into A Bind!  I'll Use It.  Great Card!  I Have No Complaints!   

Total Visa® Credit Card

May 19, 2018
I OWN IT!
Helpful to 24 out of 27 people

     I Own (#1) Total Visa, (#2) Milestone, (#3) Indigo, And Two (#4) First Premier Credit Cards.  And So For Those Who Are Reading My Review,  If You Do This Simple Procedure, You Can Increase Your Credit Score, Improve Your Credit Reports!😎😃😎😃

  Once I Got A Much Better Credit Card, Which Is My CapitalOne Quick Silver One, I Place For Following Online Services On My CapitalOne, (#1) Boomerang, (#2) Netflix.com, (#3) Hulu.com. And Finally (#5) Cbs.com.   All Of Which Is Low Monthly Services.

  Once I Had All Charges Removed From, Milestone,Total Visa, Indigo, And My Two First Premier Credit Cards, Having Doing That, That Lowered My Credit Card Utilization!  I Then Wrote Down, A Reminder On My Wall, When Those Credit Card Annual Fee's Came,  If They Was Low Monthly Charges, I Then Set Up Auto Pay For Those Will Monthly Annual Fee's!  And For Those Cards Which Came Around Once A Year, I Then Broke Down The High Annual Fee.

  Let's Say Indigo Has A Annual Fee Of $99.00, I Break It Down In Four Low Monthly Payments, And The Reason For This Is, It Shows On My Credit Reports That, That Card Is Still Active!  Then Every Four Months, I Use One Of Those Cards, For Small Purchaces, Let's Say $10.00 Worth Of Gas!   And Having Doing That, As Before!  It Shows On My Credit Report That, That Account Is Still Active, And I Keep My Credit Utiliztion Down!  On All Of Those Cards!  Which Increases My Credit Score!  Improves My Credit Report, And Improves My Credit History!

  So Let's Say You Have Milestone With Only A $300.00 Credit Limit!  To Have An Excellent Utilization On That Card, You Need To Use Only 9% Out Of $300.00.  And That Would Be $27.00.  Then The Rest Of Those Months, You Have NO!  Activity, Which Will Give You 0% Utilization.

OpenSky® Secured Credit Visa® Card

Oct 02, 2017
☢☢☢☢☢ BEWARE ☢☢☢☢☢
Helpful to 28 out of 32 people

  I Have Had This Card Less Than Three Months!  And I Feel That This Card Is THE WORSE CARD!  That I Have Ever Seen!  I Put Up $200.00 Of My Own Money, I've Even Paid My Annual Free, Which Was Billed Automatically,  And No Credit Was Posted, Until At Least 30 Days.  I Put Small Charges On The Card, And I Even Mailed In A Full Payment, To Match My Funds Equal To, The $200.00 That I Depositied.  

  And After Two Weeks, After I Mailed In My Payment Of $36.00.  My Available Credit Is Still At $164.00.  Do Yourself A Favor!  Stay Clear Of Opensky!  This Card Is The WORE CARD! ☢☢☢☢☢ BEWARE ☢☢☢☢☢

  After Today, I'm Cutting This Card In Half, And Enclosed With The Card, A Letter Of Cancelation!  STAY CLEAR OF THIS CARD! ☢☢☢☢☢ BEWARE ☢☢☢☢☢

Blue Cash Everyday® Card from American Express

Aug 05, 2017
GREAT CARD BY AMERICAN EXPRESS
Helpful to 42 out of 51 people

  Great Card From American Express,  Recieved That Card,  And They Started Me Out With A $500 Credit Limit!  Please Note:  DO NOT!  Ask For A Credit Limit Increase Until After 60 Days!  American Express Will Turn You Down FLAT!

  Also Please NOTE:  On American Express Web Sight, There Is An Option, For You To Request A Credit Limit Increase, But American Express Will Have It BLOCKED OUT!  After Your 60 Day Grace Period.  The Best Way To Increase Your Credit Limit, Is To Use Your Card, By Using It On Smal Purchases, Then Every Billing Cycle Pay Off Your Out Standing Ballance Every Time.

  Also You Will Have To Call American Express, To Have Your Account UNBLOCKED!  For ATM Withdraw's!  Also You Will Need To Request Your Pin Number For ATM'S.  Once You Receive Your ATM Pin, Call The Number, And You Can Choose Your Own Pin Number.

  Also On American Express Web Sight, You Can See Your Credit Score, For FREE!  It Is The Same Score That They Use.  I Give American Express Blue Cash Every Day Card FIVE STARS ★★★★★

Total Visa® Credit Card

Feb 02, 2018
I OWN THIS CARD
Helpful to 10 out of 11 people

  I Have Total Visa, Indigo, And Milestone All Of Which Has Only A $300.00 Credit Limit With No Credit Line Increases!  I Use All Three Cards For The Following Online Services, (#1) Milestone CBS.Com $9.99. (#2) Hulu.Com $11.99. (#3) NetFlix.Com $8.78  All Monthly Chages.

  Once These Services Was Posted To These Three Cards, I Shredded Them And Kept Them Open.  And Having Doing This, I Didn't Have To Worry About Late Fees, Or Having High Monthly Payments.  And My Credit Report And Credit Score Has Taken Big Jumps For The Best.

  So If You Want To Improve Your Credit Report And Improve Your Score Do Exactly Like I Did With These Three Cards.  Also Please NOTE:  PLEASE BEWARE!  These Cards Have A High Annual Fee!  But If You Do This Simple Procedure, That I Have Posted.  You Can Improve Your Score And Your Credit Report.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jul 28, 2019
I OWN IT!😎😎
Helpful to 99 out of 124 people

  I Have Had This Card Going On Two Years Now!  With Only One! Credit Line Increase.  But Other Than That!  I Have No Complaints.  Here Is A Small Secret Tip For All Of Those Who Are Reading My Post!  I Do Not Know Why?  

  But Almost All Of The High Top Of The Line Credit Card Issuers If They Don't See CapitalOne On Your Credit Report, Then The Odds Of You Being Accepted Is Pretty Low!  I Don't Know Why?  But It's A Little Unknown Secret!  So Even If You Get A Secured Card From CrapitalOne It Will Be On Your Credit Report!  I Hope That My Post Is Helpful

Blue Cash Everyday® Card from American Express

Dec 17, 2017
Helpful to 5 out of 5 people

Man Is This One A Real Cry Baby! I Received My American Exp Blue Cash Everyday, And They Started Me Out With Only A $500.00 Limit. And Now! Without Me Applying For A Credit Line Increase, I Am At $1,000.00 Credit Limit. And Now! On 12-13-17, I Got Approved For An Amex EveryDay Card With A Credit Limit Of $2,000.00 FIVE STARS★★★★★

Bank of America® Cash Rewards Credit Card

May 19, 2018
I OWN IT!
Helpful to 30 out of 37 people

     I Would Like To Clear The Air, And The Confusion Of When Your Credit Card Sign On Bonus Starts!  A Lot Of People Miss Out On There Sign On Bonus, Because They Think! That It Starts When They Activate There Card! 

   That Is UNTRUE!  Or Some People Think That If You Do Not Activate It, It Will Give You More Time!  If You Do That!  You Have Just Cost Yourself!  That Much More Time To Reach Your Goal!

   Your Sign On Bonus Begins When You Are First Approved!  Either By Phone, Or By The Credit Card Issuer's Website!  And There Website Will Say! CONGRAULATIONS! You Have Been Approved!  And It Has Just Then Started!  Then You Have That Wonderful Time Frame Of 7 To 10 Days For Your Card To Arrive!  In Which Case You Have Just Lost Those Days!  Of The 90 Day Time Frame! 

OpenSky® Secured Credit Visa® Card

Sep 12, 2017
VERY POOR CREDIT CARD
Helpful to 12 out of 14 people

  I Put Up $200.00  Of My Own Money, For This Card Which The Reviews Claim To Be The Best Secure Card,  Received My Card, And On The First Day Of Receiveing The Card, Opensky Took Out The Annual Fee.  I Payed The Annual Free, After Setting Up My Account,  And Payed Online With My Checking Account.   It Took 10 Days Just To Post It On My Account.

  It Is My Opinion Do Not Waste Your Time With This Card,  They Are Slow To Post Your Payments.  And With This Problem, Do Not Exspect To Use This Card Alot!  It Took 10 Days To Post My Payment, So That I Could Have A $200 Balance.

  I Got Discover It Secure Card,  And Discover Will Post, And Credit Your Payment Funds In Two To Three Days, If Not Quicker!  Five Stars For The Discover It Secured Card

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