JB Robinson 2 rebuild cr?
Date: Fri, 05/15/2009 - 04:58
i have a situation and if someone has a moment pls advise:
my CR in November 208 showed 2 collections, each of about 100$ and one old good standing bank line,closed but never late.
since then, I managed to have one collection deleted , the other one is still under investigation. I also opened a Crown Jewelers $2500 trade line in March and just this week was approved for JB Robinson card - not sure about this line detail - whether it is any good and how much it will be. I just received an email that it's on it's way in the mail. Any info on JB card/credit line?
I would like to know what you think about how much my score has improved from 591? did it? when should I expect improvement?
which score should I aim at?
do I absolutely need a bank credit card if I have these two big credit lines on file, Crown and JB?
Thank you. It si absolutely amazing to discover this community!
JBR is only 1 of several Sterling Jewelers. I have 3. JBR, Jare
JBR is only 1 of several Sterling Jewelers. I have 3. JBR, Jared and Kays. Its called the Sterling Trifecta. It is a shared $3500 credit limit combined but on your reports, it looks like you have 3 TL's at $3500 each which = $10,500. Doees wonders for your utilization percentage. A bank card would definately help your score after a good solid year of ontime payments. Try hooterscard.com or juniper.com for an I-Tunes card.
strangely, my credit file shows a pull from sterling upon applic
strangely, my credit file shows a pull from sterling upon application for a kay card. they rejected me and then i got an email that my jb card is on its way.is this ok? how much credit will I get? how much does it hurt my score if i apply fro credit once a month in the last 4 months?thx!
can u post a link to apply for juniper, the one u gave is for pe
can u post a link to apply for juniper, the one u gave is for people who are members already:)thx
Go to a Kays store and see if you can get them to approve you in
Go to a Kays store and see if you can get them to approve you in the store. I recived a rejection letter as well and took it in and they approved me right there.
i received another letter from JB today. It was a welcome letter
i received another letter from JB today. It was a welcome letter which mentioned my KAY card is not its way.It also included a contract agreement. But it does not mention which is the credit limit, nothing on reporting to credit bureaus or what I need to do to get this going./ does anyone know:
1.JB/KAY credit limit?
2. doe sit immediately get reported to cr.bureaus and which ones?
3.do I have to buy something to get the account activated?
4. if I buy something doe sit work like Crown - some money down and the rest by the end of the month or it works differently?
thank you for your time to answer. the letter si so basic, can't figure out any of these things from it!
1. can't answer that...mine was $3500...it will show when you ge
1. can't answer that...mine was $3500...it will show when you get your card
2. reports to all 3 w/in 30-45 days
3. no
4. no - revolving charge account - no down payment
so, if i understand well: even if I don't buy a thing I will get
so, if i understand well: even if I don't buy a thing I will get the benefit of having a nice trade line )( or 3) on my credit report? do I have to do anything with it to keep them reporting? what is my exact benefit of having them on my report?
thanks very much!:)
Correct. They will report monthly and will decrease your utilza
Correct. They will report monthly and will decrease your utilzation %
what do I need to know about this utilization % thing? as for
what do I need to know about this utilization % thing?
as for now I have active on my credit report:
Crown 2500$
Jb Robnson - not sure - probably 2-3000$
First Premier 250 credit card
inactive
BofA credit card never late closed in 200, credit was 300
active
130$ debt to a company I an unable to communicate
505$ medical debt I am not able to pay now but just recently validated it.
which score can I expect. I just started rebuilding my credit 7 months ago thanks to this forum. and it seems it's going well! I am just a bit losta s to what to expect about my score and when can I see improvements in it.