"Quick 3-4 Day Answer"
Orchard Bank Classic MasterCards Review
Written by: burningphoenixny on 2011-08-23
Overall Satisfaction
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burningphoenixny's review: 
Experian 560 -- Equifax 539 -- Transunion 513 -- That's my score as of right now. I was approved only $320, but i'm ok with it b/c i ruined my credit before and i'm working to fixing it. I have like 10 collection accounts that need to be paid off, but it's tough and it will be done (i have given myself 1 year to fix this). I have one public record which is a judgment for about $2,700 dollars on a crappy auto loan i did 2 years ago.
Ps. The total of all my collection accounts would range about 15,000 but i will be using the settled amount, so i'm guessing about 6,000-8,000 dollars.
I have a Target card with 4,000 credit limit that is still open and its at zero, an Municipal Union Credit Card that is about 800 bucks and that one is almost full b/c i use it a lot. I got approved for a Capital One Unsecured Credit Card but they only gave me $300 bucks.
I have 2 joint accounts with my sister which i don't use, an American Express Card that has 2,000 bucks and a Macys Amex card that has 8,000 dollars.
Yet my credit score still sucks, and the # is super low. So i am trying to pay off my negative accounts then the # should go higher (hopefully).
Experian 560 -- Equifax 539 -- Transunion 513 -- That's my score as of right now. I was approved only $320, but i'm ok with it b/c i ruined my credit before and i'm working to fixing it. I have like 10 collection accounts that need to be paid off, but it's tough and it will be done (i have given myself 1 year to fix this). I have one public record which is a judgment for about $2,700 dollars on a crappy auto loan i did 2 years ago. Ps. The total of all my collection accounts would range about 15,000 but i will be using the settled amount, so i'm guessing about 6,000-8,000 dollars.
I have a Target card with 4,000 credit limit that is still open and its at zero, an Municipal Union Credit Card that is about 800 bucks and that one is almost full b/c i use it a lot. I got approved for a Capital One Unsecured Credit Card but they only gave me $300 bucks.
I have 2 joint accounts with my sister which i don't use, an American Express Card that has 2,000 bucks and a Macys Amex card that has 8,000 dollars.
Yet my credit score still sucks, and the # is super low. So i am trying to pay off my negative accounts then the # should go higher (hopefully).
1 Comment
Comment 1 by wanderer
Re: Quick 3-4 Day Answer 
on 2011-08-24
WOW! You scored! The challenge of rebuilding...! It takes time and patience. Paying past debt and letting it age is key. Speaking with experience I found it frustratingly slow but... I could not speed it up.
on 2011-08-24 WOW! You scored! The challenge of rebuilding...! It takes time and patience. Paying past debt and letting it age is key. Speaking with experience I found it frustratingly slow but... I could not speed it up.
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Disclaimer: This content is not provided by Capital One Bank (USA), N.A.. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One Bank (USA), N.A.. Review content is powered by Finance Globe.
