I am not modest and I will show what I have gotten from links from you guys so you can help me out.

Credit Summary
Your Equifax Credit Summary highlights the information in your credit file that is most important in determining your credit standing by distilling key credit information into one easy-to-read summary.

Accounts

Lenders usually take a positive view of individuals with a range of credit accounts - car loan, credit cards, mortgage, etc. - that have a record of timely payments. However, a high debt to credit ratio on certain types of revolving (credit card) accounts and installment loans will typically have a negative impact.

Open
Accounts Total
Number Balance Available Credit
Limit Debt to
Credit
Ratio Monthly
Payment
Amount Accounts
with a
Balance
Mortgage 0 $0 N/A N/A N/A $0 0
Installment 3 $61,450 $0 $58,494 105% $769 3
Revolving 0 $0 N/A N/A N/A $0 0
Other 0 $0 N/A N/A N/A $0 0
Total 3 $61,450 $0 $58,494 105% $769 3
Debt by Account Type Debt to Credit Ratio by Account Type


Account Age

Usually, it is a good idea to keep your oldest credit account open, as a high average account age generally demonstrates stability to lenders. Also, especially if you have been managing credit for a short time, opening many new accounts will lower your average account age and may have a negative impact.

Length of Credit History 2009 Years, 3 Months
Average Account Age 5 Years, 10 Months
Oldest Account PLAINS COMMERCE BANK (Opened 10/01/2003)
Most Recent Account CAPITAL ONE AUTO FIN (Opened 10/03/2011)
Inquiries - Requests for your Credit History

Numerous inquires on your credit file for new credit may cause you to appear risky to lenders, so it is usually better to only seek new credit when you need it. Typically, lenders distinguish between inquiries for a single loan and many new loans in part by the length of time over which the inquiries occur. So, when rate shopping for a loan it's a good idea to do it within a focused period of time.

Inquiries in the Last 2 Years 8
Most Recent Inquiry BB&T (03/20/12)
Potentially Negative Information

Late payments, collections and public records can have a negative impact on your credit standing. The more severe and recent they are, the more negative the potential impact might be.

Public Records 0
Negative Accounts 1
Collections 1
Copyright Equifax 2013

1/30/2013 10:36:42 PM

Inquiries
A request for your credit history is called an inquiry. Inquiries remain on your credit report for two years. There are two types of inquires - those that may impact your credit rating and those that do not.

Inquiries that may impact your credit rating
These inquires are made by companies with whom you have applied for a loan or credit.

Name of Company Date of Inquiry
GMAC AUTOMOTIVE BANK
Show Details 10/03/11
AMERICREDIT FINANCIAL SERVICES
Show Details 10/03/11
BB&T
Show Details 03/20/12
CAPITAL ONE
Show Details 10/17/11, 10/03/11
CREDCO AUTOMOTIVE::3530081883
Show Details 10/03/11, 09/29/11
WELLS FARGO DEALER SERVICE
Show Details 10/03/11
Inquiries that do not impact your credit rating
These inquires include requests from employers, companies making promotional offers and your own requests to check your credit. These inquiries are only viewable by you.

Company Information Date of Inquiry
DTC-AT&T SERVICES, INC. 03/25/12
DTC-BRANCH BANKING & TRUST 03/21/12
AR-CAPITAL ONE NTL ASSOC 01/22/13
EQUIFAX 01/30/13
ND-EQUIFAX CREDIT MARKETING 11/19/12
FIDELITY BROKERAGE SERVICES 10/30/12
PRM-FIRST USA BANK 09/19/12
PRM-MDA CAPITAL, INC. 09/26/12
Prefix Prefix Description
PRM Inquiries with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit or insurance.(PRM inquiries remain for twelve months.)
AM or AR Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors.(AM and AR inquiries remain for twelve months.)
EMPL Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months)
PR Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing.(PR inquiries remain for 12 months.)
Equifax or EFX Inquiries with these prefixes indicate Equifax’s activity in response to your contact with us for a copy of your credit file or a research request.
ND Inquiries with this prefix are general inquiries that do not display to credit grantors.(ND inquiries remain for 24 months.)
ND MR Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company in connection with a mortgage loan.(ND inquiries remain for 24 months.)
Equifax offers you personal credit products that enlighten, enable and empower you. Whether you are managing your credit, protecting your identity or preparing for a major purchase, Equifax offers the tools you need to make the smartest choices possible. For more information visit

1/30/2013 10:38:17 PM

Closed Accounts

Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit
CAMPUS PARTNERS
Hide Details 1842463318XXXX 08/01/2004 $0 09/01/2008 PAYS AS AGREED
AMS SERVING GROUP

Ndsl-Cb Analyst
PO Box 3176
Winston Salem, NC-271023176


Account Number: 1842463318XXXX Status: PAYS AS AGREED
Account Owner: Individual Account. High Credit: $5,678
Type of Account : Installment Credit Limit:
Term Duration: 120 Months Terms Frequency: Monthly (due every month)
Date Opened: 08/01/2004 Balance: $0
Date Reported: 09/01/2008 Amount Past Due:
Date of Last Payment: 08/2008 Actual Payment Amount:
Scheduled Payment Amount: Date of Last Activity: 08/2008
Date Major Delinquency First Reported: Months Reviewed: 10
Creditor Classification: Educational Activity Designator: Paid and Closed
Charge Off Amount: Deferred Payment Start Date:
Balloon Payment Amount: Balloon Payment Date:
Date Closed: 08/2008 Type of Loan: Education Loan
Date of First Delinquency: N/A
Comments:
81-Month Payment History

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2008 * * * 30 60 90 120 *
2007 * * * * * * * * * * * *
2006 * * * * * * * * * * * *
2005 * * * * * * * * * * * *
2004 * * * * *
Payment History Key



????????? this maybe?

Negative Accounts Show All Account Details
Accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for 7 years from the date the account first became past due leading to the current not paid status. Late Payment History generally remains on your credit file for 7 years from the date of the late payment.

Closed Accounts

Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit
CAMPUS PARTNERS
Show Details 1842463318XXXX 08/01/2004 $0 09/01/2008 PAYS AS AGREED

[Edited on January 30, 2013 at 10:44 PM. Reason : maybe this?]

1/30/2013 10:42:03 PM

Score Center
Use the Score Center to learn about your free credit scores and to track them over time.

TransRisk Score Auto Insurance Score VantageScore YOUR TRANSRISK SCORE HISTORY
Nov
2013
611.5
612.0
612.5
613.0
613.5
Sep
Oct
Nov
2013
Show all
Pan Select
YOUR TRANSRISK SCORE
613
Credit Rating: Poor
Last updated: Jan 30, 2013


Credit Cards
No Open Accounts


Home Loans
No Open Accounts


Auto Loans
Balance: $18,593



Student Loans
Balance: $42,857


Other Loans
Balance: $3,202



[Edited on January 30, 2013 at 11:08 PM. Reason : wow]

1/30/2013 11:06:44 PM

Did your education loan get sent to collections? Whatever you have in collections will tank your score like a brick. Doesn't matter if it's $20 or $20k.

[Edited on January 30, 2013 at 11:19 PM. Reason : .]

1/30/2013 11:17:14 PM

Agreed, and since that only happened in '08 it's going to take some time for your score to rebound.

1/31/2013 9:54:27 AM

the thing is I believe the collections is an apartment complex here in Raleigh which I never lived in 2007-2008, just spring an dsummer of 07 yet I think they have me in some type of collections even though I never physically lived there. 3,000 dollars. I refuse to pay. Other than that nothing...is that whats keeping me at 613?! I listened to you guys advice and I am going to apply for this...

http://www.capitalone.com/credit-cards/secured-mastercard/?Log=1&EventType=Link&ComponentType=T&LOB=MTS%3A%3ALCTMMQC4S&PageName=38&TargetLob=MTS%3A%3ALCTMMQC4S&TargetPageName=Secured+MasterCard+Details&external_id=WWW_C4240_ZZZ_ONL-SE_ZZZGO_ZZ_ZZ_T_SEM2_ZZBZ_Z15_199577021_15929334912


IF I find out I got denied for this.

http://www.capitalone.com/credit-cards/journey-student/

any other suggestions?

1/31/2013 10:33:22 PM

I think you need to take that apt collection very seriously instead of blowing it off. If you are correct and it is a mistake you can dispute the item and get it removed from your credit report. That could drastically change your score quickly. If it is legitimate then you need to figure out a way to pay it off or at least work with the apt or collections on a payment plan. As you have found out, credit is a very important factor in many purchases. You need to take it very seriously.

1/31/2013 11:40:48 PM

I would send like 30,000 dispute letters before I even entertained paying that. My wife had one of those and I got it deleted.

2/1/2013 12:24:35 AM

^ I did one of those once and it is still on my KS. How did you finally get it gone?

2/1/2013 12:51:49 AM

I agree with wahoowa You can't just ignore this. Is it possible you could have forgotten to give them notice and your lease rolled over for another 6 months or maybe you cosigned for someone else who remained living there? At the very least you should contact them to see exactly what the charges are for. Worse comes to worst you should negotiate payment. That $3,000 is paltry in comparison to the additional money you're going to have to pay for loans down the road due to higher interest rates.

2/1/2013 10:08:27 AM

Just paying the collection could ding your score more as it will make it newer and stay on your credit report longer. As is now, it would only be there for 7 1/2 years from the first date you were delinquent (usually listed on credit report). Definitely dispute it (in writing) with each Credit Reporting Agency that has it listed as the collection agency may have already written it off and won't validate in which case it must be deleted from your report. If it's valid and you are going to pay, try to negotiate a pay for delete with the collection agency.

2/1/2013 10:27:46 AM

Yeah, I guess if he's not getting a loan in the next 2ish years, no reason to restart the clock.

2/1/2013 11:08:26 AM

from what he posted I would just leave it alone as it was 2008. Will be gone in the next 24 months or keep disputing it online. Seems about right yeah?

2/1/2013 9:17:07 PM

hmm. I went ahead and applied for Chase Sapphire Preferred a month and a half after applying for Chase Freedom. I got a Further Review notice, but I could immediately see the CSP card on my Chase and Ultimate Rewards account pages. It even let me transfer one point from my Freedom to the CSP. Hopefully, that means I'm good.

For those of you that have called reconsideration lines, do you do it upon the Further Review notice when applying or do you wait for a flat out denial letter?

[Edited on February 2, 2013 at 9:04 AM. Reason : :]

2/2/2013 8:50:30 AM

I called a couple hours after I applied for the Chase Ink Plus just asking if they needed any further information since it said it required further review. You can check the application status using 1-800-432-3117 and believe 1-888-245-0625 is the recon line for personal accounts.

2/2/2013 9:55:30 AM

Protip: Here's a link for all credit card reconsideration lines with useful strategies

http://millionmilesecrets.com/2011/08/15/credit-card-reconsideration/

2/2/2013 10:12:08 AM

Quote :

"I called a couple hours after I applied for the Chase Ink Plus just asking if they needed any further information since it said it required further review."

2/2/2013 11:37:38 AM

nice i called the application status line at 8886097805 since it looked like the new card was showing up in my existing account. approved!

2/2/2013 2:03:31 PM

Just got approved for another Barclay card. Essentially $400 cash back after you spend $1000

http://dolphinsextrapoints.com/8253

2/4/2013 2:51:28 PM

^ I'm not seeing the card you're talking about... can you provide some instruction on how to find that offer?

Thanks!

2/6/2013 2:23:01 PM

when I saw that link, i read it as Dolphin Sex Trap

haha

2/6/2013 2:33:37 PM

New link

https://www.barclaycardus.com/apply/Landing.action?campaignId=1784&cellNumber=131

2/6/2013 2:35:31 PM

Just got one of these puppies.



It is made of metal and has some kind of chip on it.

Got a bunch of free nights at Marriott chain hotels and resorts with it, my wife travels on business all the time and if they will let her use this and put it on her expense report VS. using her company card we will probably never pay for a hotel room again.

2/7/2013 5:20:31 PM

50K bonus points?

2/7/2013 7:15:24 PM

Quote :

" has some kind of chip on it. "

Not sure if anywhere in the US currently uses the chip technology but a lot of places overseas use it instead of the usual magnetic strip for transactions.

2/8/2013 8:44:51 AM

Last week I applied for the 2 AAdvantage cards (Visa and AmEx). I got approved for the Visa immediately but they held the AmEx and just found out they denied me because, and I forget the actual wording, but basically because I had an application out for another card. wtf

2/8/2013 10:10:14 AM

Think they're cracking down on the two browser trick.

2/8/2013 10:21:39 AM

Yeah, kind of annoying about the two browser, thing since I was just about to apply for two hiltons. Guess I'll go ahead and get one now and I'll be able to get another one in 65 days iirc.

For those of you concerned about churning affecting your score, I had a score of 749 Jan 1. The following week I opened 3 new cards and closed 1 old card and my score dipped to 708. Today I just checked and my score is back up to 753.

2/8/2013 10:33:13 AM

I churned Starwood last year, currently Hilton, any recommendations for the next hotel I go after?
I was eyeing Hyatt. They only charge 22,000 for their top tier hotel and you can get 50,000 pts through the Chase offer.

2/8/2013 12:26:07 PM

^It depends where you want to go. My wife just signed up for the Chase Hyatt card for our trip to Kauai later this year. The Chase Fairmont card also sounds like a decent deal if they have a hotel where you would like to travel. For travel to Europe the Club Carlson looks like it could be worthwhile.

http://boardingarea.com/blogs/frequentmiler/2012/12/04/club-carlson-rocks-my-world/

Is anyone planning on trying to churn the Barclays US Air card for AA miles as many times as possible prior to the (possible) merger? Has anyone successfully done so to date? If so, how long did you wait between applications and did you close the previous card?

[Edited on February 8, 2013 at 6:57 PM. Reason : us air]

2/8/2013 6:52:30 PM

Quote :

"For those of you concerned about churning affecting your score, I had a score of 749 Jan 1. The following week I opened 3 new cards and closed 1 old card and my score dipped to 708. Today I just checked and my score is back up to 753. "

Guess I am about to tell Capital One to go jump in a lake cesspool.

Does it matter how old the closed account is? The one I want to close is my oldest one on file, they raised my APR to the penalty rate and added a "monthly account member fee" back in 2008 when I was about to go out of business and some stuff got messed up. All of the old accounts have been cleared up, the negative info deleted, and my scores have recovered. I have other cards with much better terms now but was scared of taking a hit by closing this one.

2/8/2013 7:52:31 PM

^^ Confused. How are you using the Barclay US Air card for American Airline miles?

Eugh. I have a capital one too as my oldest, and I'd never close it. WTF is this monthly account member fee? I think my limit is something stupid low like 1K or something. I never use it.

2/8/2013 8:22:31 PM

He's banking on the fact that if the merger happens, the miles will be converted.

The barclays link above has expired, here's a similar deal:
http://www.nflextrapoints.com/xlvii
same $400 cashback, but you have to spend $2,500 in 90 days. I just applied for it because I like money.



[Edited on February 9, 2013 at 10:12 AM. Reason : d]

2/9/2013 9:56:35 AM

I'd churn the card regardless to the merger.

2/9/2013 4:52:18 PM

Quote :

"He's banking on the fact that if the merger happens, the miles will be converted."

This.

Quote :

"I'd churn the card regardless to the merger."

I plan on doing this, just curious of anyone's experience in doing so.

2/10/2013 10:37:22 AM

Okay - I looked at Fanatik's post? Is there a reason I wouldn't do this? Does it hurt Credit? Or future offers?

2/12/2013 11:26:03 AM

Did you have any questions about that specific card?
Your score will go down after a hard inquiry and it will lower your avg account age, but mine seems to rebound after the hit fairly quickly. Just be sure to pay it off.

2/12/2013 12:34:42 PM

$1k down and $4k to go on the Chase Ink after 1 week with the card.

2/12/2013 12:51:26 PM

Nice! I'm about half done and just received the NFL card in the mail.

2/12/2013 12:59:33 PM

^^^No just in general about using credit card specials to get money. Does it hurt credit or anything?

[Edited on February 18, 2013 at 8:06 AM. Reason : ]

2/18/2013 8:06:31 AM

Approved for the Chase Hyatt Visa Signature card yesterday w/ 2 free nights at any Hyatt in the world. Planning for a week in Paris in Oct and two free nights at the Park Hyatt in Paris ($900/night) is going to make the (soon-to-be) wife very happy.

2/18/2013 12:29:33 PM

Niiiiiiiiiiiice. I'll probably go for that once I get my next chase ink plus card and finish churning my existing one.

2/18/2013 3:16:03 PM

I'm content with the merger. I only have enough US Air miles for 1 flight, so it's preferable to have those miles lumped in with AA.

2/18/2013 4:29:59 PM

Never got a tax form for all those Suntrust miles, FYI.

2/18/2013 5:46:47 PM

Anyone ever use http://rewards2cash.com/ ?
Seems more straight forward than the last site I found since.

2/20/2013 11:44:39 AM

We've got a lot of points to spend. We have about 175k Delta points and nearing 100k Starwoods points I think its just about time for an a most expenses paid trip to Hawaii or Europe

2/20/2013 1:34:46 PM

Nice, I'm at 100K for delta and 65K for starwood.
You might as well get the Hawaiian cards then.
Although I'll probably xfer the pts to hilton unless you know of somewhere I can sell them?

2/20/2013 2:19:43 PM

50K Membership Rewards points for Delta Gold card:

https://www.creditcards.com/cardmatch

Minimum $1000 spend in 3 months gets you 50k MR points.
Annual fee of $175 waived for first year.

Fill out info here (no need to enter SSN, just name and address) then the offer should show up to click through, was the first link shown for me. Don't know if there's a direct link and this probably won't last long. It's not targeted like some of the other offers I've seen so if you qualify it should be there.

Says you cannot have had a previous Premier Gold in last 12 months to get the bonus.

2/24/2013 1:19:30 PM

Great deal, too bad I already got the 25K bonus 6 months ago.

2/25/2013 10:52:35 AM