Search:

Sam Club gave me an automatic increase, my line went from 500.00 to 1200.00. Oddly enough when I requested an increase a few weaks ago they said no and gave some crazy reason. I went online to see...

Walmart gave me a $200.00 cli. Dillards and Texaco gave me an automatic $100.00 increase each. Slowly but surely.

We have been using this forum since February. Over the course of the last few months, my husband's credit has improved so much that he went to Lowes for an estimate and a preapproved offer for...

I recently challenged some information on my credit report. Equifax said that they verified it which I highly doubt. However, I decided to send a letter of validation to the 2 creditors. Of...

Just FYI, 4 statements and 4 months. Called back and got an increase of 250.00. Not much, but they doubled my initial limit and added 50 dollars. I tried this with all of my GECRB cards and I had...

[QUOTE=KP3308;28818]

So I decided to try to get CLIs today. I finally got a 250.00 increase on my JC Penny, 250.00 on Belks, and 250.00 on my Pay Pal Smart Connect. I tried Walmart just for good...

Good information!!!

Thanks Wanderer. I will try that. You have a pretty good limit from the start. At least now I know that I am not alone.

Did you wait 6 months before contacting JC Penney for a CLI?

I appreciate your willingness to help those of us who are just starting out on this journey. I have been putting your advice to the test in more ways than one. I have actually been able to pass...

[QUOTE=KP3308;28818]
Thanks for the suggestion, but it was a no go. I am very baffled. As I read through the posts, almost everyone got an increase after 4 statements for JC Penney. Maybe I am...

I hate to be the bearer of bad news, but almost everything that I have read indicates that the Credit Steps Program is actually just one step. I have called customer service to get further...

Thanks.

My fourth statement from JC Penneys closed, so I asked for a CLI. They denied me. What's up with that? I called in and asked, the CSR said I need to wait 6 months for a possible CLI. That...

I noticed that Capital One has been doing soft pulls on my eqifax report. Is it customary for them to stalk you like that?

Mr. VoiceGuy,

Thanks for all of your wonderful advice. It worked. I have my utility rate down to about 15% right now. As soon as all of my payments hit the bureaus, it will go down to about 9%....

Intersting...Guess we live and learn. Yes, I think our Credit Union participates in the risk based pricing. I saw the loan officer constantly referring to a chart. He was really surprised to see...

You nailed this one Garry, Just checked my husband's score on Credit Karma and low and behold another negative account was removed so that leaves two on Trasunion. The problem is his score fell by...

Garry,

I made the mistake of paying these collections without getting them validated. We were in a pinch and in the middle of financing a much needed vehicle deal, as our family outgrew our...

Very helpful information!!! We need to get my husband's score up about 10-20 points. Any information you can provide me, I will be most grateful! I appreciate good information!!!!

WeHateUglyCredit.com,

I have very good insurance which will pay in a timely manner. However, since it is federal insurance, they make sure that everything is coded correctly. The first problem...

Thanks Wanderer. I will look for a response from patrick12.
I will keep everyone posted just in case the information is needed by someone else in this position.

Just to further clarify, when I first applied for the Chevron/Texaco card I got denied. However, the CSR told me to wait 60 days and reapply. I waited 55 days, reapplied and they approved me with a...

I am from the south, Florida to be exact. I applied for Shell, but it was a no go. However, Chevron/Texaco showed me some love. I really wish I could get an in with Citibank. Now I have to wait a...

Wanderer,

If I may pick your brain for a moment. I have been helping my husband get a few medical collections resolved from his reports. The number one problem I have encountered is that the...