Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Scores
Profile Image

Question By

0 Contributions
0 People Helped
Shopping Cart Trick
Hi everyone,
I'm trying to rebuild my credit and was wondering if anyone has had luck with the shopping cart trick? If so, which ones would you recommend? I started with a score of around 490 last February and I'm now at 600 but I seem to be at a standstill for the past month. My biggest problem right now is $9,000 hospital bills from a miscarriage in 2012. I've tried working out something with them but not having much luck. One even told me they wanted it all at once or nothing and sent it to collections and since they billed separately for different procedures, I now have 24 items in collections. Any help would be appreciated. Thanks!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
3 Contributions
9 People Helped

dropped my score 21-29 points :-(

Not very happy after doing this 'trick' as it knocked my score down for taking on 5 more cards through this trick. Now to see if 6 months of conservative use will help get those points I worked for come back. Sucks to be working on a crappy score for the past 10 months and now backtracking thanks to this. :-(

Top Contributor
227 Contributions
84 People Helped
Most Helpful Response

Helpful to 1 out of 2 people

wow that's a new one. i had to google "shopping cart trick" to figure out what you are talking about! never heard of it lol. it sounds like you're making some headway rebuilding your credit, even though your scores started EXTREMELY low! the bottom line is, if these agencies will not work for a pay for delete, then paying them off will most likely not help your credit, not in the short run. they are already years old, and as you move away from them, they effect your score less. you might have to just bite the bullet and wait for them to completely fall off after seven years. in the mean time, keep building your credit trade lines. make sure you get your credit card payments in before the end of your statement date. if you pay it in full before the end of your statement (and your payment also clears before the end of your statement), your balance will report zero with positive payment history. this is the ideal situation for credit scoring. keep building on your CC tradelines, and keep your balances low. 

4 Contributions
0 People Helped

It works

The shopping cart trick works. I have gotten approved for Buckle, the Limited, and NY&Co with it. I got these over the weekend, and the only card that showed up on credit here on ck this week was Buckle, and it only showed up on equifax, not tu. No hard inquiries, either. I got low limits, but since I had nothing but an auto loan and a 7 year old closed credit card and collections, I don't care! My eq score went up 45 points from just the one card. I haven't had any luck getting it to work on any of the other stores listed.

Reply by

4 Contributions
0 People Helped

Enter Your Replyoh yeah, and overstock.

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.