paycarefulattention

124 Contributions 300 People Helped Top Contributor

Member Since: February 2014

Most Helpful Contribution

Green Dot primor® Visa® Gold Secured Credit Card

Mar 13, 2016
Perfect for rebuilding and establishing
Helpful to 148 out of 151 people

I don't understand all the negative reviews.  I have had this card since Nov 2014.  The application process was extremely simple and fast.  I was approved, deposited the funds and had my card within 7 days.   I have never had to wait 14 days for payments to process, maybe 7 days but as of late, my payments are available within a few days.   Listen folks, they have to make sure the money you are paying actually clears your bank. Remember, if we weren't sub prime account holders then maybe it would post same day.  It doesn't matter that they have a secutiry deposit. Just like a landlord, who also has a security depost, won't allow you to be late with your rent.  I have NEVER had a problem with this bank.  You can even add funds to your account to increase your line of credit which I also have done with no problems.  I haven't had to speak with any customer service reps so I can't comment on that aspect.  Sure, you can't convert to a secured card with this bank but that is stated up front.  I look at it as if I have another savings account somewhere that I can't touch.   People need to read the terms and conditions of any card - read all the fine print before applying and you won't have any surprises.   Do not use more than 30% utilization! Of course if there is an emergency you may have no choice but pay it down as fast as you can.  Your credit score will drop if your utilization is high.  If your a member of Credit Karma you should have learned that in the first few weeks of reading.  My credit score rose 60 points within the first few months of having this card and 100 points within a year.   It continues to rise as I take good care of my credit and spending habits, somthing I didn't do when I was younger. Another thing, before applying with a company read reviews as much as you can and not just this website, all over there are reviews on every credit card company.  As I stated above it is very important to take the time to read the terms and conditions.  I hear too often people claiming they were never told something, meanwhile they check the box stating they read the terms and conditions where that certain "something" was stated.   That section contains all the information you need to know about the rules of their game.  I wish everyone the best on rebuilding or establishing credit.

Activity (124 Total Contributions)

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paying off debt

Sep 17, 2016
Helpful to 1 out of 1 people

you need to pay off the credit cards.  If your score dropped 20 points you must have used a lot on the cards.

There is a lot of reading material on here about credit utilization.    

Does refinancing my auto loan(to save money) negatively effect my credit score?

Sep 02, 2016
Helpful to 1 out of 1 people

Credit Unions do have lower interest rates.  You should open a credit card because lenders like to see a variety of credit.

Green Dot primor® Visa® Gold Secured Credit Card

Sep 01, 2016
Helpful to 1 out of 1 people

If you want your payment to post overnight, go here https://primorcredit.com/
I learned that from reading other reviews and that is now my preferred way to make a payment. You can use your debit card. If you
pay using your checking/savings account it can take 7-14 days.

What does it mean when a collections account has been removed?

Aug 20, 2016
Helpful to 1 out of 1 people

Keep a keen eye on your credit report.  The company may have sold the debt to another collection agency and they will put it on your credit report since it is now in their best interest to collect on it.  Did the statue of limitations run out? If so,  they have to be removed.

Credit score dropped

Oct 27, 2019
Helpful to 2 out of 3 people

Anyone notice anything about the posters sentenance?   DO NOT LISTEN TO THIS PERSON!

I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real agent because I kept meeting fake people 

Credit score dropped

Oct 27, 2019
Helpful to 3 out of 5 people

It's unfortunate that these sales pitches from scammers are permitted on this site.  Please ignore them unless you want to lose all your money.  They are not legit.

Read as much as you can on this site.  I started here many years ago when I didn't understand and I learned a lot from this site as well as reading other peoples questions and the answers.

Don't stop asking questions when we are here to help each other.   Sometimes your question is already answered.  Search your question first to see if it is already on here answered.  If there are no new responses to the same question you have, then ask the question.

There are always going to be rude people and scammers.  Fact of life.  Don't let them get to you.  Stay focused.

how do i can get my credit scores report

Sep 29, 2016
Helpful to 4 out of 7 people

If you want your FICO scores, go to  https://www.annualcreditreport.com

You can also get an idea of your credit scores by registering on this site.  Credit Karma scores are different than your FICO scores.

how can i raise my credit score 100 points in 6 months

Apr 21, 2016
Helpful to 1 out of 2 people

Also, while negotiating with collection agencies,  always do it in writing, certified mail return receipt.  You want to have a paper trail.

Credit Karma hasn't been able to get my credit score from one of the credit bureaus,transunion?

Oct 27, 2019
STOP

Do not respond to that email.  It's a scam!   If CK can't access your TU they certainly wouldn't ask you for personal details as they already have all that.  Do not answer!  

i payed off of my collections and my score went down other than up

Oct 27, 2019

date of last activity on a negative account?   Read the articles on the dates of last activity, closed accounts, collections etc.

Why did my score go down 59 points when I got 2 accts removed after disputing them

Oct 27, 2019

Thank you, Physh1.  The same thing happened to me and I couldn't figure it out.  Now I understand.

How long after payment of debt with collector how long will it take to come off record.

Oct 27, 2019

7 years after date of last activity.

Im looking for some information to see how can i establish credit.

Oct 27, 2019

Your in the right spot.  Tons of articles, questions and answers from the community, etc.  Start reading. 

NEW SCORING IS GARBAGE AND WEBSITE IS AWFUL

Oct 27, 2019

Same thing is happening to me.   Pull your real credit reports.  

Credit score dropped

Oct 27, 2019

What?  If you mean CK, your in your account.  You can't post here without logging in.

How long after you pay an account off does it change on credit karma

Oct 27, 2019

Ah geeze, I do hope you made the payment. 

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

Oct 27, 2019

Again, CK scores are Vantage scores, not FICO

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

Oct 27, 2019

In my case the dealer used the "middle" score.  Fair enough.  Have all your FICO scores prior to applying so you know the truth.  The dealers, I was told, make commission off the interest rate.  I am not sure how true this is as I have asked car dealers and some said yes and some said "that's aburd".  

How do I clear a delinquent account that was renewed?

Mar 20, 2019

reaging of accounts is illegal.  

How do i owe money but don’t have credit?

Mar 20, 2019

are you getting collection calls?  If you are,  and ignore them, you will then have credit.  NEGATIVE credit.  Make payment arrangements and pay your bill.

why did my score go up 97% then down 96% it a matter of days after paying off credit card and loan?

Mar 20, 2019

closing accounts and paying off installment loans always lower your score.  

If some body is trying to use my credit how can a report this??

Mar 20, 2019

file a police report, freeze your credit, alert Trans, Equifax and Exp.

I paid off a loan and it's still on my report how do I close it or show that its paid

Mar 20, 2019

The creditor will report it and expect for your score to drop a bit.  Even after it closes, your payment history will remain on your report, it doesn't delete because it's paid off.

I have been notified by you that one of my creditors (Best Buy) has made a comment of my account.

Mar 20, 2019

This is a public forum.  Call or email CK with your question.  Make sure your identity hasn't been stolen.

what happens to my credit score if i pay off the past due in three months?

Mar 20, 2019

You won't owe them any money but the damage is done.  The history will stay on your report for 7 years from the first date of deliquincy.

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