I’m being added on a friend’s Jcp card. Jcp did make a hard inquiry on 2/21 but I haven’t seen anything show up yet. I have a 714 score on EQ no baddies. So when, if I was approved, will it show?
Feb 282010
Feb 262010
Im getting collection letters from “creditcard companies” that I am past due on by 3-4 months. But the letter says to make a payment go to the creditcard website. (Etc. belk.com jcp.com lowes.com)
None of these “collection companies are on my credit report (pulled yesterday) so, what exactly does this mean. I have given the minimum to each of them (getting back on feet) so, what does this mean if they accept the payments? (which they have)
Thanks for the great advice and knowledge on this board!
Feb 132010
Hi FICO Forums – I am new to this site and need advice. I am about to receive a performance bonus of $7000 after taxes from work and want to know what should I focus on paying off first. Some other things to note: I have about 2 mos of ER funds.
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JCP bal $517 -Â CL 1800 @ 24%
Macy’s bal $631 – CL 3100 @ 24.5%
RBFCU MC bal $1200 – CL $1500 @ 13%
USAA AMEX bal $2200 – CL $2500 @ 11.9%
USAA MC bal $9137 – CL $9700 @ 6%
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Feb 072010
good evening everyone,
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I logged on to my jcp account to pay my bill, and bam….. an auto cli of $200Â Â (CL $1700) yeees!!!!!
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Now i see how it feels to get an auto cli..
Feb 022010
I am 18 soon to be 19. I am glad I found this site, I was going crazy with inquires on my account and had no idea it had a negative impact on my score. I stopped once I started reviewing this forum a couple of months ago. I only have a couple of cards, a Discover with a 1k limit about 6 months old, a walmart with 700 and a first premier and 500 limit JCP. I PIF on all my accounts,  I am trying to build my credit, I did not use any school loans and now that I am out of school and have a full time career I figured it would be good to build credit. This site has a ton of good info!Â
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I applied for a fingerhut account and was approved, but I have found no recent posts as to whether or not they report to the bureaus, so I am weary on taking their offer. This was from one of the last applications I did about 3 weeks ago.Â
Jan 282010
I disputed a Collection with TU last week and I already received a follow-up… deleted (YAY), and even better when I just checked the updated report they also deleted another collection (double YAY). So 3 more collections to go, 2 due to fall of in a few months and 1 more I sent a PFD to which leads to my 1st question, how often should I send a new PFD letter while waiting for a response? If I want to dispute another colletion should I do it thru the CRA, or does it look bad on your CR when you dispute thru them?  I also have JCP account in good standing except for 1 30 day late in 6/08 sent GW, again how often should I send or should I try calling since I do still have a card with them? Oddly enough I have no collections with EQ, definitly not complaining, LOL. Next step pay down CCs by middle of Feb and hopefully bring my score up quite a bit according to fico simulator. Thanks
Message Edited by Col913 on 01-28-2010 03:23 PM