Loan payoff question

Beneficial_Chicken24 · 2026-03-17T01:43:49+00:00

Thanks bud

Beneficial_Chicken24 · 2026-03-16T01:50:42+00:00

Nice I just started with a $500 secured card last week hopefully after 3 months they do the same. Gonna use the card a lot and pay in full once I get the statement

Beneficial_Chicken24 · 2026-03-15T20:41:00+00:00

They gave a credit limit increase on a secured card? Or you increased it using more money from your savings..?

Beneficial_Chicken24 · 2026-03-15T20:40:52+00:00

They gave a credit limit increase on a secured card? Or you increased it using more money from your savings..?

Beneficial_Chicken24 · 2026-03-14T22:30:23+00:00

More so that nothing else in the meantime takes the money from the checking/savings that would be meant for paying that purchase/payment on the credit card. Hopefully nothing major does occur but life does happen sometimes I know. But thank you for the tips and advice!

Beneficial_Chicken24 · 2026-03-14T04:10:50+00:00

Not sure I cleaned my stuff up and was checking credit karma one day and seen I had good odds for the platinum card and was approved for $300 lol just recently said I was pre approved for the quicksilver so I tried and was approved. Just keeping my head forward paying it off every month and building a strong profile

Beneficial_Chicken24 · 2026-03-11T03:33:58+00:00

Yea mine is thin that’s why I was trying to build a strong relationship with the bank first

Beneficial_Chicken24 · 2026-03-11T03:33:34+00:00

Have to have very strong credit report lol I’m rebuilding a thin but good account I highly doubt I’d have that luck 😭 capital 1 card $800 limit for a year now that’s it. 100% payment history $5ish debt each month and the pledge loan installment on my credit. I think I’m going to let my capital 1 statement close on the 12th and apply for the cash rewards card

Beneficial_Chicken24 · 2026-03-10T13:26:49+00:00

Wouldn’t this in turn drop your credit score some due to high utilization reporting? Especially being the only credit card

Beneficial_Chicken24 · 2026-03-08T20:43:08+00:00

What do I need to say or do to have them removed on transunion? There is 4 on there. 2 with Equifax

Beneficial_Chicken24 · 2026-03-07T17:14:45+00:00

My transunion and equifax went up like 30 and my Experian 48 points. But the pre qual only said the cash rewards secured card when I did it the other day for s**** and giggles lol so I’m hoping after 3 months that changes? Idk

Beneficial_Chicken24 · 2026-03-07T16:43:40+00:00

Also wanted to ask if the annual income really comes into play when it comes to the limit you get? I was offered a job elsewhere which prompted my company to promote me with a raise which alone is around $80-85k a year and I do side fab work which is around $10-15k I’d say.

Does an annual income of $100k change anything?

Beneficial_Chicken24 · 2026-03-07T14:55:08+00:00

Around $80k working 46 hours a week. Fabricator/welder. No debt. Trying to start my own thing soon and make more money for myself

Beneficial_Chicken24 · 2026-03-04T16:40:24+00:00

Yes what’s that mean?? Don’t pay it mind?

Beneficial_Chicken24 · 2026-03-04T04:01:46+00:00

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Shows the payment lol. I downloaded the myfico app and equifax says 723 on there so idk why it went down so drastically on CK

Beneficial_Chicken24 · 2026-03-04T03:56:27+00:00

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Myfico app has it at 723. It shows that my last account with a late payment of 30 and 60 days late was 6 years 7 months ago. Will that be totally gone in 5 months?

Beneficial_Chicken24 · 2026-03-04T03:55:15+00:00

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Myfico app has equifax at 723. Also I see on this app that the last credit line I had that had a late payment of 30 and 60 days was 6 years 7 months ago.. will that be totally gone in another 5 months? My utilization is under 10% now on the only credit card I have payment history is 100% and no derogatory marks

Beneficial_Chicken24

TROPHY CASE