LBAR18

Just received my astros.com email update on the deal.

The Stros got Happ, Gose, and Villar. No Singleton.

Adios Roy O.

#1540 :geauxtigers:

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One idea on a visa is a share/savings secured visa. I know at my credit union you pay a lower rate because the visa is secured by your savings account (they put a hold on the money so you can't use it) but they will give you a limit of up to what is in the account.

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The secured card is a good idea if you have no credit at all.

As long as you continue to use your card and pay it down, it reflects positively on your report. I would recommend not paying a card off completely and just paying it down to a few dollars. It shows that you know how to manage your credit and keeps the account revolving. As long as you keep the balance below 30% (around 10% is best), you will maximize your credit utilization and boost your score.

solid :bow:

Glad that the one person you could see behind Nola while batting was the K lady...

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4.) Other

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Balance to limit ratio's. Card's that have balances with 50% or more of the limit used really hurt your score. Keeping them below 50%, usually around 30%, reflects positively and boosts your score.

Also, the length of time you have had credit. Paying off an older card and closing out the account or having the creditor close out the account reflects negatively.

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Getting a divorce used to lower a person's credit score but I don't know if that is still the case.

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This is the case if its a joint account or someone is an authorized user on the others card and they decide to stop making payments and/or max out the card.

I work for a credit restoration company and do disputes day in and day out and I have never once seen a mortgage late removed. You could call the bank and ask for a courtesy removal (or in this case a few) and see if they would be willing to remove the late dates now that he is making scheduled payments again. If you do, make sure to point out the past positive payment history and the fact the account was in good standing for quite some time.

Also, it can't hurt to send a dispute to the credit bureaus reporting on the account asking them to verify the late dates. Keep in mind the 30 day timeframe begins the day the bureau receives your dispute letter and not the day you date/type it.

Pray the bureau's cant get hold of the bank and are unable to verify the dates!!

I'd love to hear your thought process..

Who else thinks they are absolutely amazing??

And what an acceptance speech! :popcorn:

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so how did this choke happen?

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Hotty Toddy happened.