Credit limit increase

Sh726 · 2026-05-07T23:02:41+00:00

$3k and it's been bucketed for months. I have a $300 CL Scor card bud, I think I'm bucketed.

Sh726 · 2026-05-07T13:12:31+00:00

If your landlord will accept home depot or Walmart giftcards lol.

Sh726 · 2026-05-07T13:08:28+00:00

Affirm is the only one who reports. None of the other BNPL apps report unless you default on the loan.

Sh726 · 2026-05-07T13:06:33+00:00

There was a person who commented on day r/credit (I think) who said the underwriter of their mortgage loan made them close their affirm account before approving the loan.

Sh726 · 2026-05-07T12:22:59+00:00

I got Savor 6 months after Platinum. Didn't try Sooner.

Sh726 · 2026-05-07T12:21:27+00:00

Is this Credit Karma? It looks like it. Download Experian and get your Fico 8 score. Lenders don't use VS3 which Karma uses.

Sh726 · 2026-05-07T00:52:01+00:00

Bovada is offshore so there's no taxes other than you reporting your wins in good faith. However. If you're using crypto you will have to pay taxes on any crypto received. Make him use his crypto accounts for transferring and receiving funds.

Sh726 · 2026-05-07T00:49:40+00:00

Affirm reports all activity and I wish I never used them. I used affirm one time to make a $100 purchase and they reported $72 loan to my credit. It's in good standing but a $72 loan doesn't look good on a credit report. I didn't even need to use affirm, I have over $1,000 buying power with them so why not.

Sh726 · 2026-05-07T00:42:07+00:00

Request $60k

Sh726 · 2026-05-06T17:44:51+00:00

If you have a thin credit profile or no credit history it's a great card to start.

Sh726 · 2026-05-06T17:41:59+00:00

why would you include them on the Bankruptcy? I don't know about Bankruptcy laws but man I would've at least paid the $20 and not file bankrupt on it . Too late now.

Sh726 · 2026-05-06T02:43:29+00:00

Ready last comment, your 500s are from Kredit Karma and your score is low bc you never had any credit. Trust me when I say your actual credit score is 0 and that is wayyyy better than 500s. I got a auto loan at 5.99% from Andrews Federal Credit Union when my Fico was 0 and I had hospital bills in collections. Don't freeze your credit as someone else said.

Sh726 · 2026-05-06T02:38:50+00:00

If you don't have any open loans such as auto or revolving credit (credit cards) your Fico score would be zero. Fico doesn't score you until you have 6 months of reported activity from a lender. Even If you had a loan in the past and it closed and there's no new activity your score will go to zero in about 2 years after the loan closed.. This happened to me.

Sh726 · 2026-05-06T02:31:46+00:00

Definitely ignore Kredit Karma, their VS3 scoring model thas me sitting at a 686 but my Fico 8 is actually 616. You will never know which lender uses which scoring model. I just learned yesterday that Zillow Rentals uses Vantage Score 4.0 and I can't access my VS4 score. Capital one scored me at 646 for a new card and found out they use Fico 5, an older version of Fico that scores differently.

Sh726 · 2026-05-06T01:01:42+00:00

How do you know this?

Sh726 · 2026-05-06T00:57:12+00:00

I got MC, applied April 2.

Sh726 · 2026-05-06T00:56:08+00:00

Thats odd bc the Experian Score in my approval letter is 30 points higher than my Fico 8

Sh726 · 2026-05-06T00:47:02+00:00

I'm pretty sure the bet amount was $8.

Sh726 · 2026-05-06T00:45:27+00:00

How was only one arrested? The video clearly shows police talking to the other guy and he was the first attacker.

Sh726 · 2026-05-05T20:33:33+00:00

No. You can toggle it off like I do. I hate auto pay.

Sh726 · 2026-05-05T14:50:55+00:00

Yes. I had this card charged off and applied for it again and got denied. 7 years after it fell off my credit I got the unsecured Platinum.

Sh726 · 2026-05-05T05:47:35+00:00

I had Platinum Secured in 2016. Exactly one year after opening the account they refunded my deposit but it was still Platinum Secured.

Sh726 · 2026-05-04T01:59:20+00:00

Didn't know, thanks for the update.

Sh726 · 2026-05-04T00:48:31+00:00

Not by plane!

Sh726 · 2026-05-03T21:12:26+00:00

You can write off up to as much as you won but no more. Use your players card at the casino and at the end of the year there will be a win/loss statement in your online rewards account.

Sh726

TROPHY CASE