epagesinfo

10 Contributions 50 People Helped Top Contributor

Member Since: August 2009

About Me: Hi all,

Now that I'm older and understand credit more, I am on the road to being virtually debt free and having a better financial future.

My Website: http://www.ebay.com/usr/curvyessentials818

Most Helpful Contribution

Fingerhut Credit® Account

Jan 15, 2016
Off Fresh Start, Rec'v regular card...
Helpful to 17 out of 17 people

Got this card to raise my credit score. At the time it was 589. After I took a chance and applied, I was issued the Fresh Start fingerhut card with a $230.00 credit limit. I already knew the high prices for their items but needed to raise my score. 

I purchased a pair of New Balance Mens Sneakers which cost $55 and ended up being $89 after everything. Keep in mind you must make an upfront $30 downpayment before your item is shipped per the Fresh Start program. 

Shipping to one and a half weeks and once I received my sneakers I paid the $59 in full. Sneakers were new but box was damaged. No big deal because it was for me. After a month I received a letter in the mail from Fingerhut and took me out of the Fresh Start program and gave me a regular Fingerhut card. The credit limit was so-so of $250.00. Not complaining. 

During that time my score did not go up until a day or two after I received the letter. My score went to 610 Trans Union and 607 Equifax per Credit Karma.  I would recommend it as another option to rebuilt your credit. 

I gave it only four stars because they really should bring their prices down. 

Thanks for reading.

Activity (10 Total Contributions)

Fingerhut Credit® Account

Jan 15, 2016
Off Fresh Start, Rec'v regular card...
Helpful to 17 out of 17 people

Got this card to raise my credit score. At the time it was 589. After I took a chance and applied, I was issued the Fresh Start fingerhut card with a $230.00 credit limit. I already knew the high prices for their items but needed to raise my score. 

I purchased a pair of New Balance Mens Sneakers which cost $55 and ended up being $89 after everything. Keep in mind you must make an upfront $30 downpayment before your item is shipped per the Fresh Start program. 

Shipping to one and a half weeks and once I received my sneakers I paid the $59 in full. Sneakers were new but box was damaged. No big deal because it was for me. After a month I received a letter in the mail from Fingerhut and took me out of the Fresh Start program and gave me a regular Fingerhut card. The credit limit was so-so of $250.00. Not complaining. 

During that time my score did not go up until a day or two after I received the letter. My score went to 610 Trans Union and 607 Equifax per Credit Karma.  I would recommend it as another option to rebuilt your credit. 

I gave it only four stars because they really should bring their prices down. 

Thanks for reading.

Discover it® Secured Credit Card

Feb 14, 2016
Took a chance then this happened...
Helpful to 16 out of 18 people

I applied to my own bank after I received an offer to apply for a secured card. They denied me. Then I logged into my Credit Karma account and saw my odds for the Discover it secured card and said WTH, go for it. I took a chance then this happened...APPROVED! Aiming to better my score. Thank you Discover.

What if I can't pay back my payday loans?

Jan 30, 2011
Helpful to 5 out of 6 people

I too was caught in the payday loan tornado. Although I had two payday loans open at the same time, one was online only and the other was at a physical location, I always felt that it wasnt enough.

I opened two more and had four then my hours got cut and couldnt pay them all. Well, what I did was call the two loan companys that had the highest balance and told them if we can make an agreement which was closing my account and I would agree to pay a smaller amount.

The other two were small, $294 each, so with my first check I paid that one off, then my second check of the month I paid the other. Now I closed those accounts and started to pay off the other two. It was hard and seemed long but it can be done. Just talk to them, don't run away from your debt because it will get worse. A friend of mine was served a summons to appear in court for not paying one of her payday loans.

Good luck

How should i dispute?

Mar 11, 2013
How You Should Go About This
Helpful to 1 out of 1 people

Judgements can be tricky if not handled correctly. I would not recommend going to court. I would call the company you owe and try to make an arrangement with them. Try to do it on the lowest amount owed.

I you believe the amounts are in error, you can try and dispute them or at least one of them. Again, you should give it some thought first because your creditors could call you to court.

I currently have a balance showing of $40 on the other section.... Who is that ?

Mar 11, 2013
Pull Your Credit Report
Helpful to 1 out of 1 people

You might want to pull your yearly free copy of your credit reports from the three major bureaus if you haven't already. Most likely it will show up there. It happened to me and it turned out to be an old verizon bill I forgot about. I paid it and a couple months later it was gone.

BankAmericard® Secured Credit Card

Feb 14, 2016
Recommended by my own bank but...
Helpful to 10 out of 16 people

My bank recommended for me to apply. I did and was denied. Another ding on my credit.

If I pay off a collection account will my credit score improve?

Feb 11, 2016

Gave it a try. Lets see what happens. 

Secure vs. Regular Credit Card

Jan 31, 2011

Yes you should convert your secured credit card to a regular or unsecured credit card. By doing that, your credit union is saying that your credit history or credit score has improved to the point where they can offer you this upgrade.

Your payments should be affected because usually your interest rates will go down and your finance charges should be lower.

Congratulations and keep paying on time, keep using 20% of your credit limit and here's to a higher credit score.

How do I increase my credit score

Jan 30, 2011

You are on your way. Like nandog said, keep your balance below $75. If you can open another secured card, do so being sure to keep your balance at 20% or less. (so $300 limit, spend $60 or less)

If you are able to take out a small loan do so but only if you can afford it. A better option would be a secured loan where you put in for ex. $1,000 . Ask your bank.

Good Luck and here's to a higher credit score.

I checked my credit report and this is what I found...

Jan 30, 2011

@nandog, thank you for your advice. If getting on a payment plan with the repo and credit card company works, to your knowledge, will the loan rehabilitation boost my score?