How can I get a better APR on my credit card accounts?
Guest: hotburnttoast
Post subject: How can I get a better APR on my credit card accounts?
Posted: Sat Mar 04, 2006 12:06 am
Okay all, will somepeople please point me in the right direction, as I am need of some help. I am have been living in subprime ***** for th epast 5 years. I have the following account listed below with amounts owed and limit on card.
Merrick Bank 750 limit Owe 200.00 opened 10/05
Capital One 500 limit Owe 125.00 opened 1/06
Total Visa Card 650 Limit owe 150.00 opened 3/04
First Premier 375.00 Limit Owe 100.00 opened 10/04
Orchard Bank 700 Limit Owe 30.00 opened 8/04
Household Gold 750 limit Owe 50.00 opened 10/04
Target Guest Card 600 Limit owe 250.00 opened 1/05
Shell Gas Card 450.00 limit owe 100.00 opened 1/06
Citgo Gas CArd 450.00 limit owe 60.00 opened 1/06
Car Loans
Infiniti Lease 40K Lease Paying 634.00 opened 4/05
VW Lease 39K Paying 486.00 opened 11/04
I make 6000.00 a month, I have old collections that all show as paid, I have over 4 years of solid rebuilt credit history with NO LATES, yet I can'nt seem to get a prime credit card. NO AMEX, NO DISCOVER, NO CHASE,MBNA,CITI,ETC......All my negative information will start dropping off from 10/2006 to 12/07. I need advice as I am tired of paying these skyhigh fees. I seem to have no problems getting car loans. PLEASE HELP ME OUT...what happened to the art of credit website.
Thanks
Toast
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Chazmanian
Posted: Sat Mar 04, 2006 1:01 am
Seems I saw some info floating around on this forum relating to the Bank of America $500 limit kinda secured but not really $500 limit $99 dollar fee card? I have a Bank of America Platinum rewards card and they are really down to earth as far as the biggies go. There was a recent post where they had offered a $4000 limit platinum card to a member as a way of saying thanks as he/she had been with em' for awhile. Would it not make sense to go "Sub-Prime" with a big time card company for a short while as your income and payment history over the past few years would certainly justify you getting a "Prime" card in a very short time???? BOA is easy to do business with and I have even starting transferring my Citi-Balances over to my BOA Platinum. They are "Folksy" if that makes sense. Apply on their website and if they turn Ya' down call and inquire about that "Other Card Deal".
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: iceman
Posted: Sat Mar 04, 2006 11:50 am
hotburnttoast wrote:
Okay all, will somepeople please point me in the right direction, as I am need of some help. I am have been living in subprime ***** for th epast 5 years. I have the following account listed below with amounts owed and limit on card.
Merrick Bank 750 limit Owe 200.00 opened 10/05
Capital One 500 limit Owe 125.00 opened 1/06
Total Visa Card 650 Limit owe 150.00 opened 3/04
First Premier 375.00 Limit Owe 100.00 opened 10/04
Orchard Bank 700 Limit Owe 30.00 opened 8/04
Household Gold 750 limit Owe 50.00 opened 10/04
Target Guest Card 600 Limit owe 250.00 opened 1/05
Shell Gas Card 450.00 limit owe 100.00 opened 1/06
Citgo Gas CArd 450.00 limit owe 60.00 opened 1/06
Car Loans
Infiniti Lease 40K Lease Paying 634.00 opened 4/05
VW Lease 39K Paying 486.00 opened 11/04
I make 6000.00 a month, I have old collections that all show as paid, I have over 4 years of solid rebuilt credit history with NO LATES, yet I can'nt seem to get a prime credit card. NO AMEX, NO DISCOVER, NO CHASE,MBNA,CITI,ETC......All my negative information will start dropping off from 10/2006 to 12/07. I need advice as I am tired of paying these skyhigh fees. I seem to have no problems getting car loans. PLEASE HELP ME OUT...what happened to the art of credit website.
Thanks
Toast
hotburttoast
I had the same problem with collections, chargeoff, judgement. What I did I sign up with lexington law firm, and they got all of my negative itmes deleted off my credit report. Before lexington law my credit score was 510 on all 3 credit bureaus, now my credit score is 700+ and still climbing up. My equifax report 9 items were deleted, experian 5 items were deleted and my transunion 7 items were deleted. I try to tell a lot of people in order to rebuild your credit you have to get the negative items deleted. Chase, Citibank, Amex, and now Homedepot send me pre-approve credit application. I now have a chase visa reward card, I apply with my pre-approved application online. This is lexington law firm website.
http://www.lexingtonlaw.com/Home.php?
Trust me, this company know what they are doing, all 3 of my credit report states their result.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Sat Mar 04, 2006 12:11 pm
hotburnttoast wrote:
PLEASE HELP ME OUT...what happened to the art of credit website.
Thanks
Toast
I was wondering the same thing, what did happen to the AOC website? Anyone know?
BTW, you don't need that lexington law firm. I have had over 20 deleted on each CR. Did it all by myself, well with help from people here and at AOC (& thank you, you know who you are and who you are not). My scores are 150-200 pts higher now.
Last edited by RacieRacer on Sat Mar 04, 2006 2:07 pm; edited 1 time in total
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor
Board Monitor/ Administrator
Posted: Sat Mar 04, 2006 1:21 pm
Congrats RacieRacer! I'm shocked about AOC. Night- do you know anything?!?
By the way, I just upgraded you to "Credit Expert" status!
_________________
Best Regards,
Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314
Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Sat Mar 04, 2006 2:04 pm
Board Monitor wrote:
Congrats RacieRacer! I'm shocked about AOC. Night- do you know anything?!?
By the way, I just upgraded you to "Credit Expert" status!
Oh wow thanx. I did just notice that, but was wondering if it did that automatically when you post a certain amount of if one of you all did it.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: How can I get a better APR on my credit card accounts?
Posted: Sat Mar 04, 2006 12:06 am
Okay all, will somepeople please point me in the right direction, as I am need of some help. I am have been living in subprime ***** for th epast 5 years. I have the following account listed below with amounts owed and limit on card.
Merrick Bank 750 limit Owe 200.00 opened 10/05
Capital One 500 limit Owe 125.00 opened 1/06
Total Visa Card 650 Limit owe 150.00 opened 3/04
First Premier 375.00 Limit Owe 100.00 opened 10/04
Orchard Bank 700 Limit Owe 30.00 opened 8/04
Household Gold 750 limit Owe 50.00 opened 10/04
Target Guest Card 600 Limit owe 250.00 opened 1/05
Shell Gas Card 450.00 limit owe 100.00 opened 1/06
Citgo Gas CArd 450.00 limit owe 60.00 opened 1/06
Car Loans
Infiniti Lease 40K Lease Paying 634.00 opened 4/05
VW Lease 39K Paying 486.00 opened 11/04
I make 6000.00 a month, I have old collections that all show as paid, I have over 4 years of solid rebuilt credit history with NO LATES, yet I can'nt seem to get a prime credit card. NO AMEX, NO DISCOVER, NO CHASE,MBNA,CITI,ETC......All my negative information will start dropping off from 10/2006 to 12/07. I need advice as I am tired of paying these skyhigh fees. I seem to have no problems getting car loans. PLEASE HELP ME OUT...what happened to the art of credit website.
Thanks
Toast
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Chazmanian
Posted: Sat Mar 04, 2006 1:01 am
Seems I saw some info floating around on this forum relating to the Bank of America $500 limit kinda secured but not really $500 limit $99 dollar fee card? I have a Bank of America Platinum rewards card and they are really down to earth as far as the biggies go. There was a recent post where they had offered a $4000 limit platinum card to a member as a way of saying thanks as he/she had been with em' for awhile. Would it not make sense to go "Sub-Prime" with a big time card company for a short while as your income and payment history over the past few years would certainly justify you getting a "Prime" card in a very short time???? BOA is easy to do business with and I have even starting transferring my Citi-Balances over to my BOA Platinum. They are "Folksy" if that makes sense. Apply on their website and if they turn Ya' down call and inquire about that "Other Card Deal".
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: iceman
Posted: Sat Mar 04, 2006 11:50 am
hotburnttoast wrote:
Okay all, will somepeople please point me in the right direction, as I am need of some help. I am have been living in subprime ***** for th epast 5 years. I have the following account listed below with amounts owed and limit on card.
Merrick Bank 750 limit Owe 200.00 opened 10/05
Capital One 500 limit Owe 125.00 opened 1/06
Total Visa Card 650 Limit owe 150.00 opened 3/04
First Premier 375.00 Limit Owe 100.00 opened 10/04
Orchard Bank 700 Limit Owe 30.00 opened 8/04
Household Gold 750 limit Owe 50.00 opened 10/04
Target Guest Card 600 Limit owe 250.00 opened 1/05
Shell Gas Card 450.00 limit owe 100.00 opened 1/06
Citgo Gas CArd 450.00 limit owe 60.00 opened 1/06
Car Loans
Infiniti Lease 40K Lease Paying 634.00 opened 4/05
VW Lease 39K Paying 486.00 opened 11/04
I make 6000.00 a month, I have old collections that all show as paid, I have over 4 years of solid rebuilt credit history with NO LATES, yet I can'nt seem to get a prime credit card. NO AMEX, NO DISCOVER, NO CHASE,MBNA,CITI,ETC......All my negative information will start dropping off from 10/2006 to 12/07. I need advice as I am tired of paying these skyhigh fees. I seem to have no problems getting car loans. PLEASE HELP ME OUT...what happened to the art of credit website.
Thanks
Toast
hotburttoast
I had the same problem with collections, chargeoff, judgement. What I did I sign up with lexington law firm, and they got all of my negative itmes deleted off my credit report. Before lexington law my credit score was 510 on all 3 credit bureaus, now my credit score is 700+ and still climbing up. My equifax report 9 items were deleted, experian 5 items were deleted and my transunion 7 items were deleted. I try to tell a lot of people in order to rebuild your credit you have to get the negative items deleted. Chase, Citibank, Amex, and now Homedepot send me pre-approve credit application. I now have a chase visa reward card, I apply with my pre-approved application online. This is lexington law firm website.
http://www.lexingtonlaw.com/Home.php?
Trust me, this company know what they are doing, all 3 of my credit report states their result.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Sat Mar 04, 2006 12:11 pm
hotburnttoast wrote:
PLEASE HELP ME OUT...what happened to the art of credit website.
Thanks
Toast
I was wondering the same thing, what did happen to the AOC website? Anyone know?
BTW, you don't need that lexington law firm. I have had over 20 deleted on each CR. Did it all by myself, well with help from people here and at AOC (& thank you, you know who you are and who you are not). My scores are 150-200 pts higher now.
Last edited by RacieRacer on Sat Mar 04, 2006 2:07 pm; edited 1 time in total
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor
Board Monitor/ Administrator
Posted: Sat Mar 04, 2006 1:21 pm
Congrats RacieRacer! I'm shocked about AOC. Night- do you know anything?!?
By the way, I just upgraded you to "Credit Expert" status!
_________________
Best Regards,
Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314
Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: RacieRacer
Credit Expert (100+ Posts)
Posted: Sat Mar 04, 2006 2:04 pm
Board Monitor wrote:
Congrats RacieRacer! I'm shocked about AOC. Night- do you know anything?!?
By the way, I just upgraded you to "Credit Expert" status!
Oh wow thanx. I did just notice that, but was wondering if it did that automatically when you post a certain amount of if one of you all did it.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 12:18 PM
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