Turnaround6

6 Contributions 14 People Helped

Member Since: April 2014

Most Helpful Contribution

Capital One® Secured Mastercard®

Nov 22, 2014
CLI after 5 months
Helpful to 6 out of 7 people

I got this card 6/14 w/ $49 deposit and $200 CL. My current CK 586. Given CLI to $500 without any additional deposit. Same thing happened to my husband. 

Activity (6 Total Contributions)

Capital One® Platinum Credit Card

Nov 28, 2014
Instant 3K approval
Helpful to 3 out of 3 people

BK 7 d/c 2/14.  Have Cap1 secured since 5/14 (CL $200 w/ $49 deposit). Plus, I have total of 8 inquires and 10+ retail accounts from 7/14 (some via soft pulls). CK 607 w/ good chance of approval. I decided to go for it. Much to my surprise instant approval for $3K today. My other accounts have always been paid in full and try to stay below 30% utilization. 

Capital One® Secured Mastercard®

Nov 22, 2014
CLI after 5 months
Helpful to 6 out of 7 people

I got this card 6/14 w/ $49 deposit and $200 CL. My current CK 586. Given CLI to $500 without any additional deposit. Same thing happened to my husband. 

Walmart MoneyCard(SM) Visa® Prepaid Card

Jan 23, 2015
Snail's pace online payment processing
Helpful to 1 out of 1 people

I paid my bill online on 1/16/15. It came out of my account the next business day. When I looked at credit availablie today, it is not reflected. Well, it's Walmart so should I have expected more? Heck no! If it weren't for the free FICO score and ability to use at Sam's Club, I wouldn't bother. Although, it has been applied on my newest statement. Makes no sense. 

BTW have had no lucky with credit limit increase. Still stuck at $150 CL from 7/14. Balances on all credit cards PIF monthly. 20% or < utilization. Post BK 2/14. 

Also, nearly fainted over horrendous drop in credit score with Credit Karma's new scoring model. Went from 629 to 579. Ouch! No idea where I stand. 1/15 FICO 655. 

Barclaycard Rewards MasterCard&reg;

Apr 22, 2015

Did your ch 13 trustee give you permission? We were told that we had to get approval first. No incurring expenses over $500 without their permission or obtaining new credit cards.

New Credit Score

Jan 29, 2015
New Scoring Model

My old CK score was 629. It has plummeted in a matter of days to 558. Not at all happy with new scoring model. My FICO is 655. Gee, which CK score seems to be more accurate? New layout leaves something to be desired. Not balanced at all visually and not as readable. The individual who designed and decided on these changes will probably receive a hefty bonus instead of being fired. I have no faith in any of CKs recommendations anymore. I'll stick to credit sesame, quizzle, and cardmatch. 

Capital One&reg; QuicksilverOne&reg; Cash Rewards Credit Card

Jan 26, 2015
Too many Cap1
Helpful to 2 out of 4 people

CK said good chance of being approved. I was declined d/t too many cap1 accounts (secured cc and platinum). I know others have not had a problem. Thankfully, no damage to credit score with inquiry. 

OLD CK model: 629 NEW CK model: 578 FICO: 655

Will have to base decisions whether to apply for credit cards or other loans based off other CS sites. Discrepancy is way too large to make sense of anything on CK at this point.