nbirnbaum2

244 Contributions 456 People Helped Top Contributor

Member Since: September 2009

Most Helpful Contribution

The do’s and don’ts of closing old accounts

May 04, 2010
Helpful to 51 out of 51 people

send out "pay for delete letters". you can search for pay for delete on google. most companies will delete the account off bureaus if they are paid. get everything in writing first before paying them. do no validate the debt. I got 21 negatives deleted. went from 515 to 701 score in past 9 months as a result. open a secured card, i used orchard bank so you have a good history when you get everything off. remember no PFD or validate , no money paid.

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The do’s and don’ts of closing old accounts

May 04, 2010
Helpful to 51 out of 51 people

send out "pay for delete letters". you can search for pay for delete on google. most companies will delete the account off bureaus if they are paid. get everything in writing first before paying them. do no validate the debt. I got 21 negatives deleted. went from 515 to 701 score in past 9 months as a result. open a secured card, i used orchard bank so you have a good history when you get everything off. remember no PFD or validate , no money paid.

whats the best way to raise my credit score the fastest?

Jun 21, 2010
Helpful to 12 out of 12 people

1. get all negative stuff DELETED FROM YOUR REPORTS, dont bother paying collections unless they agree to delete in writing. They wont change score from collection to paid,closed. google "letter of deletion" paying collections actually drops score if you pay an old collection

2. open 2 or 3 secured cards do not use more that 9 percent of the available credit total. Do that for 6 months on time min

i got mine up fro 515 to 702 in 9 months after id theft.

584 to 620 in 6 months ??

Nov 21, 2010
Helpful to 11 out of 12 people

personally i would recommend staying under 6 percent, AMEX said i had a high debt ratio at 21 percent. I went from 515 to 747 in 13 months.

score on Karma credit was 624-went to the dealership and was told my score was actually 494? Advice?...

Nov 19, 2010
Helpful to 25 out of 30 people

I  checked my sisters score 3 weeks ago Credit Karma said she was a 626, dealership laughed and said she was tier 1 and transunion auto fico score really was 722 and experian 735. Thats a difference from a subprime-lender to a tier 1  0.9 interest offer from toyota. Im still trying to figure out how they are so far off. Credit Karma has some serious issues to work out. I wonder with my 735 credit karma score am I really  an 850, no but i had the dealer run mine out of curiosity and had a 792 score.

Citi® Diamond Preferred® Card

May 10, 2012
Helpful to 5 out of 5 people

Approved 13.5K, they were offering 5k a first. I said needed more for balance transfer.

They used Experian so TU/CK score didnt matter for this card.  Havent recieved yet. CK said fair.

No expidited ship like AMEX, Im kinda used to overnight delivery. 

Easy to get person on the phone.

Has Credit Karma helped anyone improve their score?

Nov 21, 2010
Helpful to 5 out of 5 people

I went from a 515 to 747 with the help of CK, but it was turing id theft recovery.

Blue Sky from American Express® - EXPIRED OFFER

Nov 19, 2010
Helpful to 16 out of 19 people

Amex is easy to get a basic charge card, hard for credit card , open a zync card start a relationship with amex than apply for this after a year. 

First PREMIER® Bank Classic Credit Card

Nov 19, 2010
Helpful to 4 out of 4 people

do you want to give them $220 to open an account or open a secured account and get your money back in a year or so? Run for the friggin hills fast as you can. 59% APR must I say more.

What credit score is needed to obtain a Sears credit card?

Nov 23, 2010
Helpful to 4 out of 4 people

they declined me with a 745 score 3 years history no debt.  idiots

what is the fasted way to raise my credit score?

Nov 19, 2010
Helpful to 4 out of 4 people

STAY AWAY FROM FIRST PREMIER they are the worst people ever, also do pay for delete agreements before paying collections, get everything in writing, getting those collections deleted from credit will help the most. open a second secured card with a credit union instead.

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