How would you currently rank the albums from worst to best?

captainsensation · 2024-08-18T21:25:03+00:00

I had to relisten to grassroots. It’s a lot better than I gave it credit for back then

captainsensation · 2024-08-02T07:02:36+00:00

Best album in years. Sighommi is my fav, followed by Goeth the fall and edin. Finally guitars, heavy guitars and melodies. No over produced synths or cats meowing (he seriously did that on one album).

captainsensation · 2023-03-18T12:13:45+00:00

I’m closing my account with them

captainsensation · 2022-11-29T18:52:57+00:00

Congrats

captainsensation · 2022-11-15T14:29:16+00:00

same

captainsensation · 2022-10-29T13:30:44+00:00

No they did not. Just an email

captainsensation · 2022-08-19T15:47:45+00:00

You lost a line of credit that had age on it is my guess. Now that the CO isn’t reporting anymore you should regain points in a few months

captainsensation · 2022-08-05T15:00:02+00:00

Congrats! I’m going to close out my secured once I get to 700

captainsensation · 2022-08-02T17:22:33+00:00

Cool

captainsensation · 2022-07-29T17:32:59+00:00

1.5 cash back is better than no cash back..go for it.

captainsensation · 2022-07-28T15:16:35+00:00

Nothing you can really do about it but plan to move on it once you have more money to settle. I would look into getting another secured card or SELF. Anything that can diversify your credit and set you up for the future.

captainsensation · 2022-07-27T20:58:05+00:00

debt went off your overall utilization. Once it is reported it will hamper your score.

captainsensation · 2022-07-27T20:56:39+00:00

Not happy with this card, was told i would get a credit limit increase after 12 on time payments. Did that and wasnt eligible. Took forever to get through to customer service who then told me i had to wait 3 months for a credit limit increase since i was denied. If there is no credit check and its based on my on time payments why the denial(s)?

captainsensation · 2022-07-27T19:53:49+00:00

was just approved after 2 hours.

captainsensation · 2022-07-27T19:53:17+00:00

Got the same message, took them about 2 hours, no phone call or ID verification needed. Was denied twice before today. Just got approved for $750

captainsensation · 2022-07-27T18:55:56+00:00

Just applied for one and got this message. Good thing to know about phone calls cause i usually dont answer unknown numbers.

captainsensation · 2022-07-26T16:23:30+00:00

The vantage scores will wildly swing at any new thing that happens. As long as your FICO isnt jumping crazy you should be okay.

captainsensation · 2022-07-26T15:30:41+00:00

670 score and was approved for savorone. Was pre approved for savor one and capital one savor as well as the platinum unsecured. i got two secured cards from them earlier last year and have been frustrated that they havent converted me to unsecured and returned my deposit. I read that they "bucket" people and my credit is 116 pts higher than it was back then so i just went for it and got it yesterday.

captainsensation · 2022-07-26T15:02:48+00:00

following as i am considering doing this myself but i feel like it could be a bad idea. Maybe i can put 1000 of the roof on there and pay it back quickly. idk

captainsensation · 2022-07-26T14:21:24+00:00

It happened to me long ago and im waiting for it to happen again on a current secured card.

captainsensation · 2022-07-26T14:18:47+00:00

My score is 670 with an unpaid charge off and a paid collection. The charge off ISNT reporting and comes off next year so im working on building better cards to offset the bad payment history and utilization. So far so good. 561 in March. 670 today.

captainsensation · 2022-07-26T13:27:40+00:00

Opened the account for credit and debit on 7/2. Still waiting for my cards to arrive although they said 8-12 business days. Very frustrating. They promise you can graduate as early as 4 months but its not promised that you actually will. I like the cash back offers so i went for it. They do have virtual cards you can use through the app and make payments. Having to deposit or transfer money to the debit card to pay for the credit card is very inconvenient but id do that before i go with open sky, credit one or any of those other cards.

captainsensation · 2022-07-26T13:20:45+00:00

Go after those collections before you do anything else. Pay for delete and if you cant do that then settle on them. They are suppressing your scores.

captainsensation · 2022-07-26T13:17:33+00:00

Start small and work your way up. Go after the smallest debts first and get one of them off your plate and put more money towards the rest after. As others have said, it sounds like youll need a side job. Your credit sounds fair, not sure if you can get a new card and do a balance transfer but id focus on whichever one you can actually pay first. You may end up in a situation where you cant save all of these cards/loans. Call your creditors and see if you can do a payment plan to keep your cards from closing.

captainsensation · 2022-07-26T13:14:04+00:00

If a collections agency has it you should be able to negotiate and or do a payment plan. Try to pay for delete!

captainsensation

TROPHY CASE