Posts tagged "amex"

I AM IN HEAVY DEBT HELP?

Hi my name i am in vary heavy debt I have 4 student loans and 6 personal loans and credit card debut I have $ 5,000 in 1 student loan a norther $ 5,000 on my second loan and 10,000 on my 3rd loan and 2,500 and my 4th loan they are all the same APR of 14.00% but my last loan has 19.00% and my personal loans are 1.has $ 25,[email protected]% I bout a car 2.$ 6,[email protected]% to pay off some credit card debut 3.$ 18,[email protected]% on a home improvement loan 4.$ 23,[email protected]% on a death in my family 5.40,000 on a home Mortgage 6.$ 2,[email protected]% on a personal loan on my credit cards I have 3
1.visa bal 40,000 with a 10,000 credit line
2.Amex gold 30,000 with a 15,000 credit line
3.MasterCard Platinum 48,000 with a 20,000 credit line

TOTAL DEBUT= 300,000 in debut I have a salary of 65,000 a year. What do I need to do I am a shame of my self for over using my debut I had Perfect credit I am 33 years old my credit score is 559 it used to be when I was 26 770 please help me I am vary sad and don’t know where to turn to Help

One more question about AmEx backdating.

I just allpied and was approved for a AmEx Blue Cash CC 3/28/11, and I also had an AmEx I opened in 1991 that I PIF and closed in ??? I'd say sometime in early 2000, I called AmEx and asked them if I could have my acct

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I am so sad right now…

There is absolutely nothing I can do to boost my FICO score :(  I am being dinged for Length of History / AAoA.  Below is my profile: 3.3yrs Oldest Account 1.8yrs AAoA, which is rounded down to 1.  ( Will be 1.7 once new Amex reports ) Overall utilization 2% Highest Individuel Utilization 6% 3 Account reporting a balance ( have a total of 13 accounts ) Mix of credit is good ( 1 mortgage open, 1 auto loan open, credit and store cards open ) 1 Inquiry reporting on Equifax in last 12 months 0 Inquiry reporting on Tranunion in last 12 months All I can do is let everything age... Anyone want to add me as an AU on their Amex that was opened in 1990? :smileyvery-happy:

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Which Macy’s to pay?

Macys Store - 2k Macys Amex - 10k I'm using easy round numbers, they are not exact but anyway.... Think I'm going to have 6k to pay towards. I know a lot of people have talked about huge score drops with store card reporting any balance now that CL are not reporting, but I honestly don't believe I am taking any hits.  There is a very good chance that as soon as I make the payment on the Amex they will CLD so not sure I will see point gains for either choice.

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Choosing between Lowering Utility or Keeping Longest Account/ AAOA

Hello All,   I pulled my TU report on here and my score is 664. I have 3 collections which I am working to get removed (medical related, going the HIPAA route and the hospital has agreed to contact the Collection Agency to remove from my reports) - anyway my question is this to you - My oldest account is 4 years, which is actually my brothers account that I am an AU on. The balance on the card is 9K with a CL of 12.8K

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Disputing a CC collections not opened by me before I turned 18.

Hi Guys, this is what I have on my Experian Credit Report:   ASSET ACCEPTANCE Address:  PO BOX 1630   WARREN, MI 48090  (800) 614-4730 Account Number: XXXXXXX.  Original Creditor: AMEX       Status: Collection account. $2,031 past due as of Jun 2010. Status Details: This account is scheduled to continue on record until Feb 2012.

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Credit score for Canadian

Hi,   I'm a Canadian resident but I also live in the states and have an address in new York..... I was issued a credit card and I have personal banking accounts as well in the states but was not sure if having a credit card would give me a credit history in America..... when I got my amex they told me that they would use my drivers license number since I don't have an American ssn but I don't know if that is something fico tracks or do you only track credit for people that you have their ssn   thank you

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Advice Needed

Hello,   I am fairly new to this forum (and if I would have known it earlier I probably wouldn't made some mistakes). I would like to get some advice from "the experts" on how to further improve my score

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Amex High Yield Savings

Do they pull your credit for the Amex High Yield Savings account (not the card associated but JUST the savings account)? I notice they ask for your SSN so I assume they do, but just want to be sure. Thanks

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Should I apply ?

Hello,   I currently am looking to refi my Jeep with my current lender Chase. I'm also looking to appy for the Discover More card, I keep getting pre-approved letters and the expiration date is 3/31 to sign up for the promotional offer.  I have an overall utilization of 10%, however I have a $477 bal on a 600 cl. I paid it a few weeks ago but I'm waiting for Orchard to update my credit report before applying for another card or my refi.

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