donpettiway

7 Contributions 65 People Helped

Member Since: April 2012

Most Helpful Contribution

How can I raise my scorem by 250 in 6 months

Aug 19, 2014
Helpful to 38 out of 51 people

I think it is literally impossible to raise your score by 250 points in 6 months.  If this was possible everyone would be doing it.  Your credit score goes up and down from month to month depending on the activity that goes into your credit file.  I can only suggest you keep your credit utilization down and make all payments on time.  I am not for sure of what you are trying to accomplish but building credit takes time, effort and responsibility.  Good Luck.

Activity (7 Total Contributions)

Will a bankruptcy come off automatically?

Jan 13, 2015
Helpful to 12 out of 14 people

You have to weigh out the good and bad options.  Bankruptcy is not a bad thing.  I filed when I was 21 and had over 20k in debt due to me being laid off from a good paying job.  I would suggest you talk to a bankruptcy attorney and they can also give you some unbiased guidance on what to do.  One thing for sure is that you do not want to be garnished from no one.  They take 25 percent of your pay after taxes.  Just think about it, you can always rebuld your credit score back to the way you want it.  Living debt free and being able to sleep at night is lovely and that is the ultimate goal in your circustances

How can I raise my scorem by 250 in 6 months

Aug 19, 2014
Helpful to 38 out of 51 people

I think it is literally impossible to raise your score by 250 points in 6 months.  If this was possible everyone would be doing it.  Your credit score goes up and down from month to month depending on the activity that goes into your credit file.  I can only suggest you keep your credit utilization down and make all payments on time.  I am not for sure of what you are trying to accomplish but building credit takes time, effort and responsibility.  Good Luck.

Will a bankruptcy come off automatically?

Jan 13, 2015
Helpful to 8 out of 14 people

Yes you will be able to get your credit profile back on track.  Although I would take it easy, review all your credit reports after discharge and dispute anything that does not say IIB.  Then once that is all taken care of I would start out with a secure credit card or try capital one if you did not bun them, if you did I would wait a couple of months to apply for them again.  Just take your time, establish savings and rebuild slowly.  

WebBank

Oct 05, 2014
WebBank
Helpful to 1 out of 2 people

After filing for bankruptcy for the second time it is hell trying to rebuild my credit.  I am no saint here but I got tired of applying for credit and keep getting declined.  Although today I applied for a WebBank/Fingerhut and I was approved with a $300 credit limit.  It may not be much but it is a new beginning for me.  My credit score is in the middle 500's.  I know I am not going to mess up this time, I mean I have really learned my lesson about credit and taking the pre and post credit courses for my second bankruptcy I will not file again.

Charter One Bank

Sep 15, 2014
EXCELLENT FINANCIAL INSTITUTION
Helpful to 1 out of 2 people

I love this financial institution.  I came into the branch near my home and opened an account with ease and no problems.  There was no overdrawn account opening process and the Assistant Manager who opened my account told me about all the accounts they have and after telling her my financial goals she opened a account catered to those things.  I never have a problem with Charter One Bank.  Thier ATM's are up to date and everything.  I have not had a problem with this bank.  I will continue to be a customer with many years to come.  They are friendly when I come into the branch and make me feel welcomed unlike some banks,  They get to know all they customers and treat them with respect.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jan 30, 2015
What's in your Wallet?
Helpful to 5 out of 11 people

I love this card. It has given me another opportunity with credit. I was approved with a nice limit. The cash back option I just love it. 

RBC Bank

Sep 15, 2014
RESEARCH BEFORE OPENING A ACCOUNT
Helpful to 0 out of 1 people

After doing research about RBS, I have learned that they are a part of PNC Bank.  I know aout RBS bank in Canada, and I was going to open a account with them but after learning they are with PNC Bank I will not be doing so.  I had a bad relationship with PNC Bank after opening my account and was told lies at the opening process.  I say do all your research before opening an account.