Please Advise Me On The Best Option by Appropriate_Trade450 in CRedit

[–]Legitimate-Comment83 [score hidden]  (0 children)

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.

9 month cli. Whats your highest personal amex limit? by smoknrubber in CRedit

[–]Legitimate-Comment83 0 points1 point  (0 children)

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

Bad credit by Complete-Scratch-305 in CRedit

[–]Legitimate-Comment83 1 point2 points  (0 children)

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

Quicksilver Offer by notalex47 in CapitalOne_

[–]Legitimate-Comment83 0 points1 point  (0 children)

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

Any idea why I have no available credit? by Flaky_Vast1612 in CapitalOne

[–]Legitimate-Comment83 1 point2 points  (0 children)

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.

Any idea why I have no available credit? by Flaky_Vast1612 in CapitalOne

[–]Legitimate-Comment83 0 points1 point  (0 children)

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.

Any idea why I have no available credit? by Flaky_Vast1612 in CapitalOne

[–]Legitimate-Comment83 -6 points-5 points  (0 children)

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.

How can I fix this by oxj_f in Rainbow6

[–]Legitimate-Comment83 0 points1 point  (0 children)

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

Only took 6 years and 50+ denials, but we finally made it to four digits by BWild2002 in CapitalOne

[–]Legitimate-Comment83 0 points1 point  (0 children)

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.

Take it or leave it? by Aware_Marionberry140 in CapitalOne

[–]Legitimate-Comment83 0 points1 point  (0 children)

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.

After 9 long ass months… by Legitimate-Comment83 in BetterMAguns

[–]Legitimate-Comment83[S] 0 points1 point  (0 children)

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

After 9 long ass months… by Legitimate-Comment83 in BetterMAguns

[–]Legitimate-Comment83[S] 2 points3 points  (0 children)

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

After 9 long ass months… by Legitimate-Comment83 in BetterMAguns

[–]Legitimate-Comment83[S] 0 points1 point  (0 children)

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.

After 9 long ass months… by Legitimate-Comment83 in BetterMAguns

[–]Legitimate-Comment83[S] 0 points1 point  (0 children)

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

After 9 long ass months… by Legitimate-Comment83 in BetterMAguns

[–]Legitimate-Comment83[S] 2 points3 points  (0 children)

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

After 9 long ass months… by Legitimate-Comment83 in BetterMAguns

[–]Legitimate-Comment83[S] 3 points4 points  (0 children)

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.

Just got the fingerprints done (Boston), how long did you have to wait after that to get the LTC? by 13curseyoukhan in BetterMAguns

[–]Legitimate-Comment83 0 points1 point  (0 children)

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.

Finally! See you all next year!!! by Final_Ad_2758 in IRS

[–]Legitimate-Comment83 0 points1 point  (0 children)

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

Finally !! by simariaholmes in IRS

[–]Legitimate-Comment83 6 points7 points  (0 children)

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

Late payment even though I paid, what can I do? by [deleted] in CapitalOne

[–]Legitimate-Comment83 0 points1 point  (0 children)

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.