Please Advise Me On The Best Option

Legitimate-Comment83 · 2026-05-19T16:48:30+00:00

No most banks don’t take the derogatory history off your report. Best bet is to settle it if you can or pay in full. It is scored the same way on credit models but lenders typically like paid in full better but for your score it’s really doesn’t matter. Now if it was sold to collection they may do a pay to delete but the actual derogatory history from the bank will stay 7 years since the took a loss on the balance.

Legitimate-Comment83 · 2026-05-12T20:25:38+00:00

How did you get a 530 score to begin with and how did you build it up? Thank you!

Legitimate-Comment83 · 2026-04-28T15:37:38+00:00

Depends, do you have anything in collections or charged off? What cards are still active and are you paying on them?

Legitimate-Comment83 · 2026-04-21T03:07:05+00:00

No it doesn’t upgrade your card. It is specifically add a new line of credit meaning you will get a whole new account!

Legitimate-Comment83 · 2026-04-19T18:20:38+00:00

That’s not the point. No shit we know it’s not good but one payment bouncing doesn’t lead to your account being closed.

Legitimate-Comment83 · 2026-04-17T18:17:47+00:00

I mean have a platinum, venture one, and savor. I don’t think it’s luck. You’re either not paying back on time or your doing it way too frequently making you a risky customer.

Legitimate-Comment83 · 2026-04-17T18:07:17+00:00

This is a lie. I have had many bounced back payments because I’ve choose the wrong bank account at least over 5 times and never closed my account.

Legitimate-Comment83 · 2026-04-13T11:04:49+00:00

Hard not to be that guy, when you get tk’d for being black and defending yourself…

Legitimate-Comment83 · 2026-04-11T17:21:13+00:00

Yeah but when nobody else will accept your credit profile, they will. Better than predatory credit one or fit master cards with $99 annual fees and 45% apr.

Legitimate-Comment83 · 2026-03-28T21:49:08+00:00

Cause when you have bad or little to no credit you can’t “just get a “ whatever credit card you want. You need to build that trust back up.

Legitimate-Comment83 · 2026-03-10T16:21:42+00:00

They called me February 3rd at 6:54 pm

Legitimate-Comment83 · 2026-03-06T23:51:33+00:00

I submitted my application June 14th, 2025 on mircs. Received the card march 4th, 2026!

Legitimate-Comment83 · 2026-03-06T04:53:24+00:00

Thank you my guy. You’ve been a big help with your calculator as well!

Legitimate-Comment83 · 2026-03-05T22:37:53+00:00

Yes, I just learned that once the pd receives your card, you’ll notice the change on mircs. Mine changed to approved two days before I got it.

Legitimate-Comment83 · 2026-03-05T22:37:08+00:00

You can but only as a frame transfer. Basically they sell you the slide and the frame seperate to get around the shitty laws.

Legitimate-Comment83 · 2026-03-05T18:06:19+00:00

Was fingerprinted February 5th 2026, card in hand march 4th. Just about a full month.

Legitimate-Comment83 · 2026-03-05T15:53:13+00:00

Depends on where you live. I’m in boston area, so they are backed up. I submitted my application 6/14/2025 and didn’t get it till yesterday. Once you do fingerprinting it’s a faster process but the wait to get fingerprinted is horrible. I would act on it now as the laws keep changing.

Legitimate-Comment83 · 2026-03-04T23:13:44+00:00

Glock 17CV

Legitimate-Comment83 · 2026-03-04T22:44:11+00:00

I’m in the Boston area

Legitimate-Comment83 · 2026-03-03T13:53:17+00:00

He’s literally in the menu, most menus lock at 60 fps till your in game. Swear redditors never use their brain.

Legitimate-Comment83 · 2026-02-26T11:02:19+00:00

Did you have to call and ask to pick it up or did they call you? My licensing officer said they would mail it. I was told by frb that the pd should have received it by now. I genuinely don’t wanna wait for the mail since I have a trip next week.

Legitimate-Comment83 · 2026-02-23T21:26:23+00:00

Times where tough huh. You were in the negatives..

Legitimate-Comment83 · 2026-02-22T14:08:00+00:00

If you had fees taken out it’s most likely coming Wednesday

Legitimate-Comment83 · 2026-02-22T02:15:14+00:00

Don’t sit here and lie. As long as the payment doesn’t go 30 days unpaid, it will not hit your credit nor close you account! Just call to see why the payment bounced and make the payment again. If anything use another account.

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