scin77

317 Contributions 488 People Helped Top Contributor

Member Since: August 2012

My Website: http://www.annualcreditreport.com

Most Helpful Contribution

Capital One® Platinum Prestige Credit Card - EXPIRED OFFER

Sep 29, 2012
Helpful to 109 out of 128 people

Yes that is true about the 45 days. That is beause you DO NOT want to apply for too much credit all at once. It looks risky. They are just hedging their self against you not making your first payment.

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How long does it take for a new credit card (CapitalOne Journey Card) to show up in my report?

Oct 08, 2012
30-45 days (it varies)
Helpful to 37 out of 39 people

Capital One lags a little bit with there first report. I recently got a M/C with them and it was almost 2 months before I saw it on credit karma. But, credit card companies normally report a couple of days after the first billing cycle closes.

Capital One® Platinum Prestige Credit Card - EXPIRED OFFER

Sep 29, 2012
Helpful to 109 out of 128 people

Yes that is true about the 45 days. That is beause you DO NOT want to apply for too much credit all at once. It looks risky. They are just hedging their self against you not making your first payment.

I have a credit line through Bill Me Later. Why does it not show up on my credit report?

Oct 14, 2012
...
Helpful to 20 out of 22 people

Yeah, Bill Me Later is just a credit service through PayPal. I had an account for 2 years with NO payment history ever reported. PayPal has "Smart Connect," which is their "online credit card" that does report to all credit bureaus. See if you can get one of those accounts. Not hard to get. I'm sure Bill Me Later will report if you don't pay them back...

does credit karma allow me to see when things on my credit report are due to come off

Aug 13, 2013
No. Only your actual reports say that.
Helpful to 7 out of 7 people

Credit Karma is only for monitoring your credit. If you want specifics like what you are asking, you need to pull your actual credit reports.

You can do that for free, once a year, at www.annualcreditreport.com

You can get all three of them (one at a time) for free. Once you get them, you can go to the closed accounts or negative items section on that report and somewhere on each entry, it will tell you when the account was open and when it is due to come off.

I hope this helps :)

How to repair and raise credit sxore after my bankruptcy

Oct 13, 2012
Start with a secured credit card
Helpful to 7 out of 7 people

Go apply for a secured credit card to rebuild your credit. You have to deposit your own money to gain a credit line with either a bank or a credit card company (Capital One is good for that). Use it wisely with no late payments and you will benefit after a year or two.

Capital One® Platinum Prestige Credit Card - EXPIRED OFFER

Sep 29, 2012
Helpful to 7 out of 7 people

thats unfortunate. I have been with Capital One for 8 years now. They too started me off with a low ($500) limit, but my credit was only 550. They helped me rebuild my credit by extending my limit over time and after a couple of years, I was able to get a second card.

My credit is 765 now. I closed those 'annual fee' accounts and now have a free rewards card with a high limit. I love Capital One for help. Great Bank, if you manage well.

is lending club a good way to go to consolidate debt

Oct 07, 2012
Only if you can lower you interest rate
Helpful to 6 out of 6 people

Consolidating is only good if it lowers your interest rate. Otherwise, you are just paying more. The lending club can work, but it's not banks you are borrowing from. You are borrowing from individual investors that lend out their money to people. Hopefully you can get a good loan.

use of credit card/paying balance, no change.

Aug 13, 2013
Credit Card Utilization
Helpful to 5 out of 5 people

If you don't know already, credit utilization is the ($ amount) balance to credit card limit. It rates High on your credit score.

How much is your credit limit?

Here is a scenario. Let's say you have a $500 credit limit on your card and you are charging close to that amount (anything above 30% of your limit is bad for your score). When your billing cycle closes (the same as when your statement comes in), Cap One then reports that balance to the credit bureaus.

Even if you pay the full balance off every month, and Cap One reports a high balance to credit limit, your score will continue to stay low.

The trick is to pay off the full balance BEFORE your billing cycle closes. You can max out the credit card if you want, but if you pay off the full balance before the billing cycle closes, then when your statement comes in, it shows a $0 balance and that is what will be reported to the credit bureaus.

Find out when your billing cycle closes and then you will know when you will want to have that balance paid off. If you do it that way, your scores will improve quickly.

item in collections ,now paid off how long before it comes of your credit ?

Mar 23, 2013
7 years from the original date
Helpful to 5 out of 5 people

On your credit report, it should list your collection with a date that the account was open or originated. It will take up to 7 years from that date to get it pulled off. A good tactic would be to send them letters every week (be a pest to them) and hopefully they will get sick of receiving those letters and get rid of it for you. I was able to do that years ago, but it still took months of sending letters EVERY WEEK. Finally, they got sick of me. You can try and dispute it, but you may have to do that once a month for a few months until they get sick of that too. All they have to do to keep it on your report is to report back to the bureaus saying that the account is valid.

How can I get a credit report with the phone #'s of my creditors so I can pay off my bills

Oct 18, 2012
www.annualcreditreport.com
Helpful to 5 out of 5 people

Go to the above website and you can get all three of your credit reports (one at a time) for FREE once every 12 months. They will have phone numbers and addresses of the creditors that you need to pay off.  You won't be able to get credit scores through that site. You have to pay for that on other credit websites.

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