I'm up to around $1700 available credit now ($1000 secured, $700 unsecured).Īnd it's been pretty good for my credit. After the loan ended they started giving me unsecured credit increases every month of $75. I think it was the $150/mo plan, but there are different plans. Then after 12 (or 24) months, you get access to your balance that you've been making payments towards, minus whatever you've set aside for the card.įor me, I ended up putting $1000 towards the card and got like $660 or so back at the end of the 12 months. And each month you make a payment you can choose to increase your available credit by whatever you paid. Then you can move some (or all) of your payments to the credit card to secure your credit line. So it starts out as a loan but after 6 months 3 months you're eligible for the credit card.
If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports.Įnjoy the Wiki? Join the community in our main reddit! They are required to keep records that allow them to list that negative information on your report. As much as credit card companies, loan companies, banks or debt collectors can tarnish your credit and financial freedom with a single keystroke, the USA has laws for the consumer - YOU! As much as a car repo company wants to list a $8000 debt on your report it is your legal right to challenge the validity of that debt and the bureaus themselves.
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