My goal has always been to apply for the United Mileage Plus credit card for the bonus miles and to earn miles with my purchases. I travel a lot so the miles would be a big bonus for me. I figured that this card would require 720+ FICO score to qualify, though I don’t know exactly. Last week I applied for a Capitol One No Hassle Cash Rewards card to try and improve my credit while increasing my FICO score above 720. I figured my FICO score was still in the mid 600′s.

 

I disputed 3 collections on my account and one was deleted, the other two are still there but I am dealing with them now.

 

Today I bought my Equifax FICO score and was surprised to see a 743. I think this would be high enough to qualify for the United Mileage Plus CC. Anybody have info on this?

 

I have a really short credit history, I think average age of accounts is less than 2 years. But everything is in good standing, paid, student loans included. Only baddies is the 2 collections with AFNI I am trying to have deleted now. (currently in DV process).

 

Anyway, my worry is that since I just applied for the Capitol One CC, will my FICO score a really big hit if I apply for the United CC so soon? I know just one inquiry on my credit report won’t affect my FICO much, if at all, but multiple inquiries will start affecting it. Will I still be okay with just 2? Do you think the second will knock my FICO too low to qualify for United’s CC?

 

743 really surprised me. Now I’m looking to make it stronger, at least 760+ and then I might actually be able to afford a home!! What a life changer.

 

I’m nervous. If anybody has had experience with this situation, I’d love to hear your input.

Thanks in advance.

 

Chad

Aug 062010
 

I have been working on trying to get my FICO score up for the last year or so. I need some advice about my current situation. With my current FICO score of 640, this site shows that I could apply for a Capitol One No Hassle Cash Rewards card. My goal is to apply for a United Mileage Plus card for the bonus miles. I travel to Europe once or twice a year and have been accumulating miles with the dream of someday traveling first class. I assume the United card will require a FICO score of 720+ so I don’t want to apply for that and get a rejection, with the inquiry affecting my FICO score.

 

situation:

TU score: 640

credit report looks like this…

 

Hurting:

– 2 collections (both with AFNI, both from Verizon $409, $213, both bills that were paid but I have no proof.) I sent a pay for deletion letter a month ago, with no response. Not sure what to do next. Scheduled to remain on my report until 2014.

– recent collection on the report (related to the AFNI accounts I assume).

No recent activity on your revolving accounts. (Experian shows 2 credit card accounts, one closed and one active, both in good standing, $1218 balance on report and $2800 limit on the active one but I just paid it to $0. I am only an authorized user on this account. TransUnion and Equifax reports do not show these accounts [can I ask to have them added?] Other than that, I do not have any credit cards of my own.) So I assume it means no activity because I have no cards of my own.

– You have a short credit history. (Oldest account was opened 10 years and 5 months ago which refers to the credit card account that is close and schedule to come off the report December of 2012). Average age of accounts is 3 years. 

 

Helping:

– You have no missed payments on your credit accounts.

– You’ve limited the use of your available credit. (I assume this refers to my credit/debt ratio)

 

In 2006 I went to my bank and put $1500 into a CD, used the CD as collateral and was issued a $1500 personal loan which I paid monthly on-time, effectively paying the bank interest on my own money, with the intent of hoping it would positively effect my FICO score. This loan still shows on my report as Individiual responsibility, installment loan, Paid, Closed, Never late.

 

Other things on my credit report include student loans.

 

$1587 Department of Education/Neltnet  Paid, Closed, Never late.

$3500 Wells Fargo Educational Finance Closed, Never late, Purchased by another lender.

$6000 Wells Fargo Educational Finance Open, Never late, Deferred until 2013

  $326 Wells Fargo Educational Finance Open, Never late, Deferred until 2010

$6000 Wells Fargo Educational Finance Open, Never late, Deferred until 2010

—————-

$13,913 — is this what is calculated as available credit? It does not include the closed account. Those numbers above are the Credit Limit/Original amounts. The balances of all the above loans combined shows as $5,561, although I just paid all these student loans in full so I guess next month they should all show $0 balance, probably also showing as closed.

 

 

To be honest, when I bought my FICO score yesterday, I was expecting it to be higher.  I guess the AFNI collections accounts are really hurting it. I tried sending them a pay for delete letter about a month ago but I have received no response. I am afraid to call them for fear of re-aging the account. What should I do next if they don’t respond to my settlement offer?

 

Also I had a $540 DirecTV collections on my account that I sent a pay for delete letter to, but all 3 reporting agencies just removed it from my report in response to disputes I initiated last month on it, and the two AFNI accounts. Unfortunately all 3 reporting agencies did not remove the AFNI accounts but updated them saying they were verified and updated July 2010. Still scheduled to come off the report in 2014.

 

With a 640 FICO score, should I go ahead and apply for the Capitol One No Hassle Cash Rewards card? Will it help or hurt my FICO in the next few months if I am really wanting the United Mileage Plus card? Do I need to ‘save’ my FICO points for the Mileage Plus card? I’m not sure if I can find a way to have AFNI delete the 2 collections on my account, but if they do get removed, I guess my FICO score still wouldn’t be high enough to qualify for the United Mileage Plus card. Would getting the Capitol One card help? But what if I am denied for the Capitol One card, won’t that be even worse? I’m trying to move forward, not backward. Not really sure what to do right now.

 

I really appreciate any insights, ideas, and comments.

 

 

We seem to forgotten the original premise of our Constitution: Individual responsibility and obligations, replacing these with group consequences that reached the absurd with a single mother on “Entitlements” giving birth to eight rather unhealthy children. As Entitlements are now reported to exceed all the money raised by taxes in the US on all our industries and citizens, we need some way to curb what has become “victim entitlement”. The easiest way to do thois is to say we are all exacxtly the same, namely, American citizens and we earned our right to citizenship. We are going to hgave to do something like this to overcome the scientific reality of the Genome DNA mapping of racial types, namely Black, Whate and Asian, with most of us a mixture of many types. You want hiring preference as a Black have your DNA traced to prove you are more than 50% Black or you want preference as a “Native American” prove you aren’t a mixture of White and Asian with a dash of Black. We are a nation of hybrids and in some ways this is really fortunate because we are not susceptible to some diseases that must affect the purer strains. So let us get rid of absurd quotas unless we all want to prove our with our DNA we are entitled. Therefore, I think we should consider the following Constituitional Amendment:

 

 

 

 

 

THE CITIZENSHIP AMENDMENT

 

            The survival of the United States as a democratic society requires its citizens be responsible individuals who have prepared themselves to be contributing members. Therefore, the awarding of “Birthright Citizenship” is prohibited. Additionally, all citizens will demonstrate spoken and written proficiency in English and will be citizens of only the United States.

 

            All persons born or naturalized in the United States whose parents are citizens and who are subject to the jurisdiction thereof are candidates for citizenship, but no one under eighteen may enjoy the privileges of United States citizenship and no law or directive can bestow citizenship to any group or individual on the basis of race, religion, ethnic background, political persuasion, compassionate desire or need. There are no special categories of citizenship and every citizen enjoys exactly the same rights, duties, responsibilities and obligations with the exception of the right to own private property and the right to be rewarded for their labors and creative efforts.

 

            Entering the United States without the permission of those charged with enforcing the nation’s immigration laws is a felony and any group or individual assisting in this illegal activity is guilty of immigration fraud, a felony. As those entering the United States illegally are not under the jurisdiction of appropriate authorities, they, their dependents and/or relatives are not eligible for either citizenship candidacy or citizenship. This re-emphasizes the exclusion of those illegally in this country and their children as is currently stated in the 14th Amendment.

 

            All candidates for citizenship must pass a qualifying test, or achieve a specific level of education or become a contributing member of society under a uniform set of rules that apply equally to all candidates. Candidates must also have served a period of time, normally two years, in some capacity that improves the nation or be willing to defend or have defended the country against its enemies—foreign and domestic. No citizen may belong to any organization whose actions and ideals are in conflict with American constitutional government as it relates to responsible actions by individuals. All citizens and candidates are required to pay those taxes levied to keep government functioning, but no activity of government supported by these taxes may erode those attributes of individual character necessary for a democracy to function and prosper.

 

            Only those who are citizens may vote in state and federal elections, and those voting must present proof of citizenship, proof of residency and be allowed to cast their ballot in secret at an appropriate polling place. Every voter must attest in writing at the time of voting that they have not voted elsewhere, and except under unusual circumstances individuals may not vote in absentia. For every citizen who votes, the county of residence will be reimbursed a minimum amount by the credit card company contracted by government to verify this citizen’s single vote and residency.

 

            The intent of the Third Amendment was to prohibit citizens from being taxed for activities without their specific approval, therefore, no law, directive or activity by government may relieve an individual of responsibilities nor shift consequences from that individual for poor decisions they made as an individual. In addition no group, no individual, no association of individuals and no division of government may transfer consequences from the individual to others in American society without the consent of those assuming these consequences, except that on a temporary basis, not to exceed five years, elected representative may approve such a shift as a non-renewable emergency.

 

 

 

 
The United States Postal is in trouble why the 2 big boys at UPS and Fed-EX are recording record profits why?
Government and union ring a bell.
No more Government or taxes
 

Hi everyone,

 

I’ve really been enjoying reading this board but I have a few questions of my own that I haven’t been able to find answers to. Seems like the crowd here is knowledgeable and could help out or at least give some advice.

 

I’m not so much a credit newbie, as I am new to the United States (since August). I have a Citibank Visa (from August) and another Citi MasterCard (from October). I read about credit piggybacking on here, so my fiancee, who is American, added me to her Discover card and it’s on my report, but that card is pretty new anyway. I’m reluctant to have her add me to her other cards which have longer payment histories, because they have a couple of late payments (though none in the past 3 years).  Apart from my luck with Citibank, however, I’ve not had much luck – I tried to get an Amex and a Nordstrom card in November but was declined. Needless to say, I have nothing “bad” on my report like missed payments or collections or what have you.

 

I just checked my scores on this site, and I have a 706 on TU and 618 on EQ. So I guess that’s okay, but my credit history is of course very short. I’ve started getting pre-approved offers in the mail (mostly from Capital One and Orchard), but I’m reluctant to apply because 1) I fear I’ll be declined again, 2) the APRs are not that great and 3) Orchard, anyway, has both an application fee and a huge annual fee.

 

So to get to my question (thanks for reading on this far) – what should I do to get my scorse to increase? I can’t tell if I should be trying to apply to some of these offers or just wait to build payment history and my accounts to age. I’m also not sure if getting my fiancee to add me as a user on some of her older cards would be a net positive, since they contain late payments (though evidently not many since her scores are all above 730).

 

Any and all advice would be appreciated. I’m not desperate for credit or anything, just trying to chart the right course to build my credit effectively and well here in the United States.

 

Matt. 

 


I am a citizen of the United States, until recently, living in the Virgin Islands. When I have the insurance company Geico does not accept as valid experience. Does anyone know any of the popular car insurance companies to accept?

 


There is no need for auto insurance, life insurance, insurance companies, where there are large wig. For example, one of PricewaterhouseCoopers, the largest accounting firms, where. Well, some non-commercial and / or insurance companies in the United States.

 

Afghan Parliamentary Vote Delay Backed by United Nations, U.S.
Afghanistan’s decision to postpone its parliamentary elections to September from May won the backing of the United Nations and U.S. officials.

Read more on BusinessWeek

 


I am overweight, the urgent need for insurance. Have almost exclusively those who are willing to help me.