Jen M asked:


Our mortgage broker gave us some advice to raise our credit score quickly. Action number 1 was to prove we were never late on an account that has been reported as a 30 day late in October of 2006. We received proof from the lender, who apologized and said they would notify the credit bureaus (we are also sending in documentation with a dispute), Action number 2 was to obtain a secured credit card, which we mailed in the application and money order yesterday, and the app said it would be 7-10 days before we receive our acceptance letter, Action number 3 was to negotiate with a collector to delete an account in exchange for full payment. We called the collection agency, and told them that we had no clue what this account could be for, but that we are willing to pay it in exchange for deletion, and they declined. After that, we pulled up our own copy of the Transunion report and it said that account is estimated to be deleted this month. So, my question is, are credit scores refigured after each action on a report, or is it once a week, or once a month based on all actions during that time period?

secured credit application

Anon Searcher asked:


And; 5. it HAS to report to ALL THREE MAJOR CREDIT BUREAUS.

Anyone know of a good CC which meets ALL 5 of those criteria?

Serious replies only, PLEASE. (please do NOT suggest Capitol, Orchard, or HSBC – they all have annual fees)

Thanks very much!

secured credit application

MaxBasil asked:


When I applied for a secured credit and put $500 hundred down for the security process. I looked up my application on the web and it said under review and that I would receive a letter in 10 days.

secured credit application

. asked:


thanks to all who replied to my previous posts. so, with the information I have been given, I know now that I need to get a secured credit card to rebuild my credit. unfortunately, the bank I go to, U_S BANK, does not accept applications that have a bankruptcy listed on their credit report, even one 4 years ago. do you know of any banks that still accept applications for a secured credit card from individuals who have had a bankruptcy?

secured credit application

Smartbouy S asked:


I paid off all my credit card balances may be a year ago.I applied for a new credit card with my bank with which I am banking for more than 2 years now have both checking and Savings accounts. For some reasons they rejected my credit card application. This bank does not have a secured card with them. Now I am planning to apply for a secured card with another bank. But I do not have a good relationship with this bank as I do not have much transactions going on with this new bank and also I do not have a savings account in this bank just a checking account. As all my transactions being handled by my previous bank mostly checks and Debit cards.Do you think this will affect my chances of getting a secured card with this new bank. I am disappointed with my old bank with whom I have been maintaining a good relationship for the past three years. Do you think I should close the accounts there and move checking and savings to this new bank. Does the checking and savings accounts transaction details in my old bank will be considered when my credit card application is being processed at the new bank. Do you think I need to open savings account in this new bank also for better chances of approval.

secured credit application