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Type: Posts; User: LLAY1

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  1. Replies
    385
    Views
    22,514

    What's the purpose of a card like Macy's anyway?

    I start to wonder what good a card like this does unless you absolutely need credit. High APR and no real savings after your initial sign up. The points will take forever to add up unless you are a...
  2. Thread: Next Step

    by LLAY1
    Replies
    68
    Views
    4,344

    Actually, this is what i've found. ...

    Actually, this is what i've found.

    Experian.com/freecreditreport.com's Plus score is very close to my fico's score.
    Transunion/Truecredit.com is 60 less than fico. Just add 60 to this and u have...
  3. Thread: Next Step

    by LLAY1
    Replies
    68
    Views
    4,344

    Seems GEMB is very good about reporting. I have...

    Seems GEMB is very good about reporting. I have it on all 3 reports already and the card isnt even a month old yet. My TU score from myfico is now 764 so i guess im now in the excellent credit...
  4. Replies
    2,195
    Views
    336,131

    Sticky: Orchard bank increased limit from 300-500 after 1...

    Orchard bank increased limit from 300-500 after 1 month and a threat to cancel. $72 annual fee is too much but 8.9% APR is very nice. still not sure what to do any advise is appreciated.
  5. Thread: Next Step

    by LLAY1
    Replies
    68
    Views
    4,344

    Why did chevron remove all your history? if you...

    Why did chevron remove all your history? if you closed the account then shouldnt it just appear as closed? Also do they report to all 3 bureaus?
  6. Thread: Next Step

    by LLAY1
    Replies
    68
    Views
    4,344

    Transunion now 730 apparently i had been pulling...

    Transunion now 730 apparently i had been pulling FAKO all the while for this one telling me it was 670.
  7. Thread: Next Step

    by LLAY1
    Replies
    68
    Views
    4,344

    Here is proof. I kid you not!!!! 4/7/2008 ...

    Here is proof. I kid you not!!!!

    4/7/2008 715 Score Power report: Your score has gone up. More info
    4/3/2008 659 Score Power report: Your score has gone up.
    3/22/2008...
  8. Thread: Next Step

    by LLAY1
    Replies
    68
    Views
    4,344

    EQUIFAX 715...UNBELIEVABLE!!!! WOW up from 605 to...

    EQUIFAX 715...UNBELIEVABLE!!!! WOW up from 605 to 715 in 8 months!!!!
  9. Replies
    46
    Views
    11,272

    ABSOLUTELY TRUE!!! I noticed it was a scam...

    ABSOLUTELY TRUE!!! I noticed it was a scam yesterday before i read this. NO ALERT AT ALL score was up from 650 to 660. Score watch still had it at 650. Then they send an email asking if i want to...
  10. Thread: Next Step

    by LLAY1
    Replies
    68
    Views
    4,344

    Dispute them all accurate and inaccurate. Your...

    Dispute them all accurate and inaccurate. Your score does tend to jump slightly soon as u dispute but you must wait till you get a notice of investigation is complete. In my case i can still see the...
  11. Thread: Next Step

    by LLAY1
    Replies
    68
    Views
    4,344

    Within 6 months Exp was 595 now 660 Equifax...

    Within 6 months

    Exp was 595 now 660
    Equifax 605 now 659
    Trans U 610 now 670

    Here's how I'm doing it.

    Dispute! Dispute! and then Dispute some more. Try paying it off, then disputing the...
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