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No problem Meya,
I got a 1000 CL and 28.7% APR. I am still happy but I would like to get that APR down. What did you start with on your CL and APR if you don't mind?

I have Hooters in my hands. LOL. My new Hooters MC has arrived. Thanks for eveyones encouragement. How long should I wait to see if I can get a CLI ?

Hey Meya,
Just called and found out I have a 1000 CL, 28.75% APR and $72 AF. Should I call after I receive the card and try to get the APR and AF reduced or ask for a CL? Anyone have luck doing...

Congratulations! They would not give me mines over the phone right away, I had to wait until a couple of days later. The good thing is that you are approved, so you go with your bad self.
:fun:...

I luv Hooters! Applied yesterday, couldnt' wait, call just now and found out I am approved. They would not give me my CL or APR over the phone. How come they do for some people? Someone let me know...

Paula,
Thanks but that was confusing. I already have my three FICO scores but I would like to monitor monthly. What should I do? Are they all rip-offs? Should I just buy my credit report once every...

I would like to get started with a credit monitoring service for all three bureaus. What is the best one? Which service offers the scores that are closest to your real FICO scores? Thanks!

The new secured accounts will help you as long as you keep the balances low. The collections will continue to kill your score and that is alot of time before it rolls off. Try writing a PFD letter on...

Paula,
Thanks for the info. Do you know what credit bureau Hooters pulls. My TU is the strongest score. Any thoughts on which Credit Cards use TU as their primary pull?
Thanks again!

This board looks like it will be a great help. I have a couple of questions. I currently have 3 revolving accounts 1) Credit One with $400 CL 2) Orchard with a $300 CL and 3) 1st Premier with a $275...