BOA Secured Graduation?

Okay, so here's my deal. My industry crapped out around 2008, SO and I lost our jobs, vehicles repo'd, no income, hard times wah wah sob story go here... Needless to say, we lived through it but both our scores tanked. I went back to school to finish out my bachelors in 2010, wracked up a cool 40k in student loans before graduating in 2013. I didn't even want to check my credit score back then. I lived in perpetual fear. I remember being so embarassed after a lady asking me if my score was over 600 to waive a utility deposit. Collections on my arse all the time. Just being miserable.
Got my taxes back in spring 2014 and decided to get a secured credit card. My score was barely in the 500s at this point (still up from a low 451 back in 2010, which had been the last time I checked prior!). Went with my banking institution -- I've since realized a credit union would have been a WAY better decision, but I digress -- which was/still is Bank of America. They gave me a $300 secured card. Paid my deposit, put it in my pocket, ran about 70% utilization through the first year of it without really being aware of any of the factors involved in credit.
In December of 14 I got a whim to do some Christmas shopping and idly tried my luck on an Amazon storecard. Didn't expect anything. Got approved anyhow! $700 credit limit. Used it extensively since then, putting lots of things on it and paying it off.
Early this year, someone told me to call BoA after I'd have the secured card for a year to get it unsecured. I was optimistic about my chances. Called them in April 2015 - my score was around a 580 at this point - and the lady reviewed my account and told me that my credit was insufficient and that even though I was consistently paying more than the minimum payment, it wasn't enough to rate unsecuring the card. This upset me way out of proportion to anything else... it was a wake up call. So I made the conscious choice to research credit and figure out how to improve mine. Signed up for all the FAKOs but the REAL source of info was on here (thank you all for all of your advice-- you have no idea how many times an answer was on here spelled out!). Since April I have disputed, EE'd and cleaned up my reports like crazy. I estimate I've raised my score roughly 100 points - I'm hovering around a 675 (FAKO) now. I'm super stingy so I'm waiting to pull my FICOs when I really need to know/before a "real" app.
But then I went on a SCT spree last week... somehow I'd missed it these few months. I scored $500 VS, $4500+300 CLI Overstock, $2500 Sportsmans, $2500 Fuel Rewards. NOT BAD for one hard pull among it (Fuel Rewards), even if I know my AAoA is going to dip.
Then I read something today about chatting up Synchrony and wandered over to Amazon. I asked for 5000 figuring if I could even get 2k that would be awesome. The SOBs gave me 5000!! So WITH ALL THAT BACKSTORY, back to my little secured card. It's my oldest open line of credit aside from the student loans, but now also the smallest. I am trying to figure out now if it is better to: a) leave it alone and wait for BoA to unsecure it on their own; b) leave it alone period and not worry about it; c) do a combo and wait for a set amount of months to call BoA. I even toyed with the idea of upping the credit limit manually by adding another deposit.
My TU has 5 inqs counting the one BoA pulled for the review earlier this year. I have a very large collection falling off in March of next year which is also my last derog on TU; it's a repo and I am planning on buying a car after that clears out, since I'm sure my auto-enhance sucks with it on there right now. Not sure how it will impact how BoA's view on my credit, though I am guessing having 0 derogs is better than having the 6 that were on there when they looked at it in April! Whew, that was a lot just to ask about this. Anyhow... what do you guys think? Anyone out there with experience with BoA secured and rebuilding? (I'm also not sure if I should have posted this to rebuilding instead of credit cards, now that I think about it....) Should I wait for BoA -- will they unsecure it in due time via SP review? Or should I close it since it's a toy limit compared to most of my others now? Or am I just getting eaten up over nothing and I should just ignore it?
ETA: thx JustMe3 for bringing my lingo into line, lol-- 'graduation', that's it!

Hahaha, I felt like I was reading my own story! Also lost a job in 08-09, had my car repoed, had a secured BoA as my only rebuilder, etc.
If it helps, I think my scores were around 630 when I got them to do an early graduation for me. I did throw more money on the card before that and I really wish I'd thrown more now since they will not give me a CLI.
It was a $500 card that I turned into a $1500 with my own money. They of course credited the money back to me after unsecuring it.
I recommend Cap1, btw. They gave me two QuickSilvers six months ago at 1 and 2k limits that are now 3.5 and 4.5k limits that I'm going to combine into an 8k card tomorrow.

Similar Messages

BOA Secured Maturation?

At least I think they call it maturation anyhow...
Okay, so here's my deal. My industry crapped out around 2008, SO and I lost our jobs, vehicles repo'd, no income, hard times wah wah sob story go here... Needless to say, we lived through it but both our scores tanked. I went back to school to finish out my bachelors in 2010, wracked up a cool 40k in student loans before graduating in 2013. I didn't even want to check my credit score back then. I lived in perpetual fear. I remember being so embarassed after a lady asking me if my score was over 600 to waive a utility deposit. Collections on my arse all the time. Just being miserable.
Got my taxes back in spring 2014 and decided to get a secured credit card. My score was barely in the 500s at this point (still up from a low 451 back in 2010, which had been the last time I checked prior!). Went with my banking institution -- I've since realized a credit union would have been a WAY better decision, but I digress -- which was/still is Bank of America. They gave me a $300 secured card. Paid my deposit, put it in my pocket, ran about 70% utilization through the first year of it without really being aware of any of the factors involved in credit.
In December of 14 I got a whim to do some Christmas shopping and idly tried my luck on an Amazon storecard. Didn't expect anything. Got approved anyhow! $700 credit limit. Used it extensively since then, putting lots of things on it and paying it off.
Early this year, someone told me to call BoA after I'd have the secured card for a year to get it unsecured. I was optimistic about my chances. Called them in April 2015 - my score was around a 580 at this point - and the lady reviewed my account and told me that my credit was insufficient and that even though I was consistently paying more than the minimum payment, it wasn't enough to rate unsecuring the card. This upset me way out of proportion to anything else... it was a wake up call. So I made the conscious choice to research credit and figure out how to improve mine. Signed up for all the FAKOs but the REAL source of info was on here (thank you all for all of your advice-- you have no idea how many times an answer was on here spelled out!). Since April I have disputed, EE'd and cleaned up my reports like crazy. I estimate I've raised my score roughly 100 points - I'm hovering around a 675 (FAKO) now. I'm super stingy so I'm waiting to pull my FICOs when I really need to know/before a "real" app.
But then I went on a SCT spree last week... somehow I'd missed it these few months. I scored $500 VS, $4500+300 CLI Overstock, $2500 Sportsmans, $2500 Fuel Rewards. NOT BAD for one hard pull among it (Fuel Rewards), even if I know my AAoA is going to dip.
Then I read something today about chatting up Synchrony and wandered over to Amazon. I asked for 5000 figuring if I could even get 2k that would be awesome. The SOBs gave me 5000!! So WITH ALL THAT BACKSTORY, back to my little secured card. It's my oldest open line of credit aside from the student loans, but now also the smallest. I am trying to figure out now if it is better to: a) leave it alone and wait for BoA to unsecure it on their own; b) leave it alone period and not worry about it; c) do a combo and wait for a set amount of months to call BoA. I even toyed with the idea of upping the credit limit manually by adding another deposit.
My TU has 5 inqs counting the one BoA pulled for the review earlier this year. I have a very large collection falling off in March of next year which is also my last derog on TU; it's a repo and I am planning on buying a car after that clears out, since I'm sure my auto-enhance sucks with it on there right now. Not sure how it will impact how BoA's view on my credit, though I am guessing having 0 derogs is better than having the 6 that were on there when they looked at it in April! Whew, that was a lot just to ask about this. Anyhow... what do you guys think? Anyone out there with experience with BoA secured and rebuilding? (I'm also not sure if I should have posted this to rebuilding instead of credit cards, now that I think about it....) Should I wait for BoA -- will they unsecure it in due time via SP review? Or should I close it since it's a toy limit compared to most of my others now? Or am I just getting eaten up over nothing and I should just ignore it?

First of all congratulations on all of your successes during your rebuild!! As for the BOA secured card, did your score increase 100 points AFTER your last attempt to unsecure it? If so, I would try again (I believe it's called graduation). It will be another HP, so if you're worried about that then it might be best to wait until your last baddie falls off. Also, you really need to know your real Fico scores. You can either buy them here, or others have had success with Credit Check Total which has a week trial for $1 and will give you all 3 bureau's Fico scores. Fakos can be off by 100 points, so knowing your real Fico score is a must!

TD Bank secure graduation is going to be

I just found these changes in TD Bank's agreement:(My 7th bill cut is coming in 2 weeks, so will see...) C. Eligibility for an Unsecured Card. If you use and maintain a Credit Card Account for 7 consecutive Billing Cycles without committing an act of default pursuant to the Agreement you may be eligible to graduate to an unsecured TD Bank credit card automatically. This means that your savings account that secured the credit card will be released so you will have access to these funds. Upon graduation, a prorated refund of the annual fee will be given to you and it will appear on a subsequent monthly statement. Your credit limit and your APR will remain the same. Your account will automatically be reviewed once you meet the threshold eligibility requirements. If you are not graduated at your first review, your account will automatically be reviewed on an ongoing monthly basis thereafter to determine if you have become eligible for an unsecured account. If you meet the requirements you will be notified of the impending automatic graduation and you will have the opportunity to opt out of the graduation and maintain your secured account by calling Customer Service at 1-888-561-8861. If you chose to keep your secured account, you will have to complete a new application to be considered for an unsecured card in the future. All other terms and conditions remain the same.

Corund wrote:
taxi818 wrote:
Congrats. I canceled this puppy last november when i realized that the Td bank offices south of the border. had to call canada for all information. I actually opened a secured Td bank card in November 2013. was told it would graduate after 6 months.After talking to the offices in canada they said. no , we will review after 2 years and you maybe be eligible to apply at that time.I said to my self. what the hell. in 2 years no way will i need you. so at the 1 year anniversary, I canceled it as the rewards were terrible. 1percent across the board. and 2500 to redeem for statement credit. But good luck to you holding on to it. really with a 5k limit that is outstanding. I only had $500 on deposit and gladly took my money back. I know the local branch manager by first name. and she said. well at least we helped you get into amex and the other cards i see on your report. I said what. you helped me?. really. i just started laughing. Actually I was going to cancel it in 1-2 months right before next AF.I applied for it in last October and was waiting almost 2 months for approval and receiving it. I applied for Amex and CapOne after, but got them before I get TD Bank CC.That was the exact experience i had. i apped in november 2013. but did not get the card until january 2014. damn. Congrats on getting your new card with them. I still bank with them. But they are just too conservative for me. as you can see from my signature. i moved on to bigger and better things. but im not mad at them. they were my first and even though it is closed. It is still my oldest account according to my credit report.so its giving me a boost. 10 years to stay on my report. At this point. another 9 years. outstanding.

Discover Secured Graduated:-)

I have been reviewing the forum for data to support if the discover card would ever graduate. So far I've only read maybe 3, so I wanted to post about this. In the past year I've been patiently waiting for this one year mark. My statement cut on the 24 and today I went on the website to see if I was eligible for a CLI (the secured version has always told me I was ineligible). I got a 4K CLI for a total of 6.5K Credit Limit! My statement showed a TU score of 660. Which is over 30 points higher from last year. My average spend was around 1.5K and I earned over $400. I was really considering closing it if it didn't graduate. I called on Friday to see if it did and they gave me the same old "we periodically review your account monthly after the 12th statement" The rep told me to give it another month or two if it didn't graduate by Monday. Let's just say I wasn't too happy with that but i told myself okay what's another two months but if I don't graduate good bye discover. I'm so happy I waited! Yeayyy!

LadyVee wrote:
Congrats on the graduation. Can't wait till my scores are higher so that mine will graduate too.Keep up the good work and it will! You will come out way better on the other end. My scores took a while to improve due to CH13. When I got the card the score was 628 & I believe Discover statement had 662 at graduation. I'm sure that there are other factors that will help to build your case such as timely payments, and spend. Make sure you post once it does so we can see where your scores were at then! I really thought for a while that it was never going to graduate, since I've only seen like 3 other posts about it graduating.

Secured Credit Cards

The SDFCU Secured Visa Platinum Rewards is my favorite secured card. Platinum benefits(extended warranties, car rental insurance, etc...), rewards program, no annual fee, 6.99APR(just in case, shouldn't carry a balance). It doesn't graduate, but by every other metric it's one of the best secured cards you can get. You can qualify for SDFCU's Field of Membership by joining American Consumer Council($5 for 1 year membership), which will also qualify you for an assortment of other credit unions as well. If/when you setup the secured card account with them, do it over the phone as I've read reports that people who set it up online had their credit report pulled. If you don't have any installment loans in the mix right now, I'd recommend looking into shared secured loans. Those can be had for as little as 2 or 3 percent interest and they're pretty safe loans if you follow the strategy of deposit the security deposit in savings, take the loan against it and deposit it into savings and leave it there(do not take it out), try to make the payments out of monthly income but if you can't one month, take it out of the savings. At the end of the term, if you're able to make the monthly payments out of pocket and you don't touch the savings, you'll have twice the cash on hand as before the loan and a positive installment loan tradeline.

AA2015 wrote:
As of today: Equifax: 567TransUnion: 576Experian: 565 I'm in the process of rebuilding my credit. I currently have one secuered credit card with an credit union. I"m interested in getting another secuered card to improve the payment history on my credit reports. What are some of the best secured credit cards? How many secured credit cards should I have? Any other advice or suggestions to improve my fico scores fast? Golden 1 CUSecured Credit CardOpened in March 2005APR: 17.00%Limit: 625Payment Status: Currenti always recommend BOA secured card. I started with a $300 secured card, it graduted after the 12th statement. I asked for a PC to a cash reward after it went unsecure, i went online ask for CLI after new card arrived. Requested 5000 with a hp, and the computer countered me with 1600. I then call recon next morning and after the rep reviewed my CR, he gave me an additional 5000 and i got a total of 6600. $300 to $1600 to $6600 all within 2 years.

SDFCU Credit Union

Hi guys need some advice about my problem. (hope at least one time some one help) in order to fix my credit (Ex 482 Tu 545 EQ 545) beaside credit repair service(sky blue), i am trying to open some of the revolving account, after denied from BOA Secured credit card, i heard NFCU is good credit union and will be graduate in certain time to unsecured credit card, and also process of app will be soft pull.i called them and gave all my information for open the saving account. (25 min) and she said i will be call you back which she never did. the day after i called them and they said you need to email DL and SSC and i just did that, aafter 5 days back and forth they said we can"t open the account unless you be on the branch, which is impossible (i live in california bay area) manager told me you open the account for your wife same thing i did and same result. i heard lot of people enroll on the phone without any problem, 2 question: 1) NFCU Credit union does have any branch in bay area?2) Any Credit uion or banks which accept enroll secured credit card which will graduate to unsecured credit card and reports to all 3,available ?please give me the names of them. Thnaks for your time and advice.

sharagim1 wrote:
i am so sorry i just put wrong one. i apply a lot bank and credit union and i forgot the name. it was SDFCU I search in my area i couldn"t find any of them and also NFCU I called them and they said i have to be army or one of my familly......... SDFCU IS soft pulls if you enrool over the phone. but i should be present in the branch which is impossible. If you're having trouble getting approved for an account, one th ing you need to stop doing is applying to a lot of places. If you've applied to so many different places that you can't tell them appart, I'm going to infer that you have tons of inquiries on your reports. Based on your scores, inquiries definitely aren't your only problem, but having tons of them in a short span definitely hurts. Again, going back to your scores, your only alternative at this stage may be to just clean up older issues and wait for a while. Even most secured cards won't approve you if you have a bunch of active delinquencies.

NFCU Credit Union

Hi guys need some advice about my problem. (hope at least one time some one help) in order to fix my credit (Ex 482 Tu 545 EQ 545) beaside credit repair service(sky blue), i am trying to open some of the revolving account, after denied from BOA Secured credit card, i heard NFCU is good credit union and will be graduate in certain time to unsecured credit card, and also process of app will be soft pull.i called them and gave all my information for open the saving account. (25 min) and she said i will be call you back which she never did. the day after i called them and they said you need to email DL and SSC and i just did that, aafter 5 days back and forth they said we can"t open the account unless you be on the branch, which is impossible (i live in california bay area) manager told me you open the account for your wife same thing i did and same result. i heard lot of people enroll on the phone without any problem, 2 question: 1) NFCU Credit union does have any branch in bay area?2) Any Credit uion or banks which accept enroll secured credit card which will graduate to unsecured credit card and reports to all 3,available ?please give me the names of them. Thnaks for your time and advice.

They usually make you come in when there's a question of eligibility. How are you able to join NFCU? And here you go: this thread has a big list of secured cards and their benefits/terms. http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Secured-Cards-Database/m-p/3846302/highlight/true#M398522?filter=labels%2Clocation&location=forum-board%3Arebuildingcredit&q=secured+cards

Should I close my 2 oldest CCs?

Here's my rebuild since my 1/31/2011 BK7 discharge: (Card/Date Opened/CLBest Buy Rewards MC 10/14/2011 2,000
Merrick Bank Visa 12/1/2011 3,100
Barclays Rewards MC 4/10/2012 3,000 (Was $5700 CL, moved $2700 to NFL)
Cap One Rewards Visa 10/1/2014 10,000
Barclays NFL 3/27/2015 7,700 (Just under 60% util w/0% BT)
BoA Secured 5/13/2015 300
Discover It 7/7/2015 4,000
subtotal 30100 Store Cards:Walmart/Synchrony 2/1/2013 5000
Lowes/synch 1/30/2015 5000 Total Available Credit: $40,100 Total Utilization: 15%, QS & Rewards MC report PIF monthly usage, NFL & Lowes report 0% APR balances, all others report $0 bal I'm probably going to close the 2 oldest CCs by the end of the year. The BB MC was opened with HSBC with a $59 annual fee, it posts in early Nov. I earn more than that in Reward Zone certificates, but now that I have better reward cards why have most of the rewards I earn on that card offset an AF? I plan to call them in Oct and tell them I'm no longer willing to pay any AF. Being Citi I expect them to refuse to waive the AF and if they do I'll tell them "Then close the account immediately". Merrick Bank was an great rebuild card but I've outgrown it with reward cards w/much better CLs. I haven't used it since I got Cap1 QS Oct, but I've been keeping it active by letting 2 small monthly bills totaling less than $20 charge to it. I don't expect Merrick to be happy with that for much longer and will take AA by lowering the CL, which would prompt me to close it - that's what happened to my Target Redcard. That Bank of America secured card that looks so out of place opened just this last May? I had 1 CC from them included in my BK7 and want to eventually get a Fidelity Amex, so I wanted to get back in with them. Plan to app to convert to unsecured early next year, and then app for Fidelity Amex in 2017 when all 9 derogatory IIB accounts fall off CR. I've budgeted an agressive payment schedule on the NFL card to get the balance down below 30% util by Dec. even though the 0% BT (used to payoff a Prosper loan) doesn't expire untill Fall 2016, that high.util dings my CS. At that point I'll app for Sallie Mae and think the SL will offset the loss of $5100 in CLs from closing BB MC & Merrick. I'm not worried about the hit to my AAoA, the advice here is that closing cards does not affect your AAoA, and AAoA only has medium impact anyway. Thoughts?

NRB525 wrote:
AAoA, likely is not affected too much by closing the accounts, however...You have some balances still, so if the Merrick doesn't have an AF, there's no reason to close that. You've got a basic charge flow going through there. They might close or CLD it, but why speed up the uncertainty? Let it ride. It may take them 3 years to get around to doing anything. Or never. Thanks for the advice. No, I won't take any action on Merrick, only react if they do a CLD or close. Yeah, I learned the hard way with Target Redcard dont' sockdrawer, I didn't use if for almost a year and they lowered the CL from $1k to $200 and I never could get them to raise it back even with small monthly usage. So as long as Merrick is happy with $20/mo usage I'm good with that. My Merrick card never had any fees while many of the newly issued cards have an AF, so I just suspect they're not going to be happy with no fees and no 25+% APR balances from me for very long._____________________________________________________________________________Good luck with the Best Buy change, to no AF. I don't have any experience with that, but it's something you might want to start the conversation earlier, try to PC to no AF. Keeping that account open, if you are earning rewards, keeps that oldest card active and earning. Worth the effort, if you ask me. Well, there is no 'PC', other MyFico members tell me they didn't even know an AF BB card existed. I actually did call last Oct and asked to have the AF waived The rep outright lied to me, telling me "Oh, the Mastercard always has an annual fee". I think that since HSBC issued it with an AF Citi just wants to hang on to it. It does give me 2% rewards for groceries, but the rewards can only be used as certificates to lower the price of a Best Buy purchase, and I just don't shop BB as much as I used to, I'd rather get 2% cashback rewards with Barclays Rewards MC. With no AF I'd keep it, but it's no longer worth $59/yr in fees to me to have it. _______________________________________________________________________________The 0% APR may be "hurting your score" but you are saving money. If it is in your cash flow to get it paid down, fine, but with several new accounts it is unlikely you should be looking at new cards, thus scores not matter. You do want to pay it off prior to the 0% expiration however Well, it is an agessive payment schedule to pay NFL down to 30% util by the end of the year, but then I plan to "coast" with slightly more than the min payment until the 0% nears expiration and budget to PIF before expiration. The first part of the year I'm always scrimping to sock away as much as I can into my IRA as prior year contributions by April 15.

Walmart Approval - Very Thin File

Hi, all! I figured I'd come and brag, because I've found these posts helpful for my research for approval odds and the like. And I'm also very surprised and happy! I came here before to seek advice for building credit. I got my first two cards about 2 months ago-- BoA secured and Cap1 QS1. They just began reporting a couple of weeks ago. My FAKO scores range from (myFICO can't find me) 670-699. The only things on my report prior to the cards were 2 tiny student loans with 100% on-time since 2011, and a paid medical collection from 2011 is on Equifax. So, a friend and I had a few drinks, and she convinced me to apply for the Walmart card with her. I was greeted by the 7-10 message in my email, and regretted it. I had lost 30 points due to inquiries over these last months. However, I forgot I had a fraud alert, and recieved a request for information in the mail today! So excited! I just called, and they couldn't verify me on the phone, but they said they'll ship the card out and it will be done upon activation. Best part-- $1200 limit! I heard Walmart was pretty stingy with thin files. My yearly income is only $22,000, as a waitress, so I was pretty stoked! BoA only has a $300 CL, and the QS1 $1000. So my highest yet! I'm a little confused over whether I have the store card or the Mastercard. The mail was from Synchrony Bank, so I figured it may be the Mastercard, but all good no matter what. Either way, it's something. Maybe someone could clear tthis up for me. Anyway, I'm just so excited to have an even better footing off of which to build my credit. Also, I found myself preferring to use the credit cards over my debit card. I put most of my monthly spending (I'm not a big spender) on them, but it left me at 23% util, which is a little high. This will help with that issue as well!
For once, a drunken mistake has turned out to be a wise decision.

thrashette wrote:
Best part-- $1200 limit! I heard Walmart was pretty stingy with thin files. LoL, Walmart gave me a $150 starting limit Big Congrats!!

Advice on graduating secure credit card to unsecured, CapOne & BofA

I've used the following 2 secure credit cards (and the awesome info I've gained here) to improve my credit: BofA $1000 CL Opened 07/21/2014CapOne $2000 CL Opened 07/01/2014 I picked these 2 cards because they offered to graduate to an unsecured credit card after a year. My 3 FICO scores from myfico.com are as of today: EQ 739, TU 754, and EX 751. A few weeks ago I called BofA about something, and the CSR observed that I could be evaluated to graduate & she would be happy to assist me. I was so surprised, I said thanks but I'd call back. I prequal for cards on BofA, CapOne, Discover & Amex, and I only show 2 INQs on one CRA. My income is about 75K/yr Any advice on graduating these cards? Is there any order or process that will give a better outcome? Should I have balances or no balances? Or just call them & go for it? My next step would be to go on a spree & then garden, how could graduating these cards affect that strategy?

semada wrote:
I'm slowly coming to grips with the idea that I can't graduate that CapOne card. I have some reviews of that card that mention graduating to a unsecured card, but I guess they weren't correct. I did all that over a year ago, I think before I found the myfico.com forums, unfortunately. If I can't find specific mention from CapOne I guess I'm just screwed. If I get an unsecured card on my spree with a decent limit, what would be the negative impact of closing the CapOne secure card down? Or perhaps get an unsecured CapOne & merge? So crushed right now. Unfortunately, Cap One will not combine secured and unsecured credit limits/accounts at this time. I asked three different customer service reps. Who knows what the future holds. They seem to be making a lot of changes. I had my Cap One secured card for three years and I just closed it yesterday. I have a Quicksilver and I want to focus on growing that one and maybe apply for another Cap One card down the road a bit.
Check the pre-qual sites for Cap One and any of the other cards you have an interest in. With your scores, I am sure you will do well (as long as income, etc. also are good). Personally, and I hope more experienced people jump in, I would leave the Cap One secured open until it hits the year mark and right before the AF hits. Best of luck!

HT5312 Guys, I have forgotten my security question answers, and the rescue email I placed in with my apple id has been closed down as well (it was a university id, when I graduated, the email service expired). I need help changing my password.

Guys, I have forgotten my security question answers, and the rescue email I placed in with my apple id has been closed down as well (it was a university id, when I graduated, the email service expired). I need help changing my password.

The Three Best Alternatives for Security Questions and Rescue Mail
    1. Use Apple's Express Lane.
          Go to https://expresslane.apple.com ; click 'See all products and services' at the
          bottom of the page. In the next page click 'More Products and Services, then
          'Apple ID'. In the next page select 'Other Apple ID Topics' then 'Forgotten Apple
          ID security questions' and click 'Continue'.
     2. Call Apple Support in your country: Customer Service: Contact Apple support.
     3. Rescue email address and how to reset Apple ID security questions.
A substitute for using the security questions is to use 2-step verification:
Two-step verification FAQ Get answers to frequently asked questions about two-step verification for Apple ID.

Secured card graduation question

I have a couple of secured cards and have recently been denied for unsecured cards and received some additional secured card offers instead. I understand that most of the bank secured cards can eventually graduate after one year. My question is: is there any relation between the intial deposit amount on your card and the potential CLI you receive once/if your card graduates? I usually cannot afford to put down large deposits and often just do the minimum, Does my small deposit influence the banks decision on what CLI to give or is it solely based on how I use the card and my current credit score/report at time of graduation?

If I understand your question correctly.....NO. Accessing a secured network "by chance" is almost impossible. Now can some one access a secured network..... Maybe. Secured networks are protected by a password and if the password can be obtained then your in, however passwords on networks are highly encrypted. It would be a lot of work so some one would probably have a darn good reason to want in.

What to know before rebuilding your credit with secured credit cards

The higher your original CL, the higher they can be raised to new higher CLs. I remember using Open Sky secured card and the $200 CL never went up in a 6 months. I got a CreditOne card with a $300 CL and was increased to $500 within 3 months. Not surprisingly, when I applied for Capital One nonsecured cards, I started at $500 (the highest CL of my two secured cards). Your available credit is a factor in your score so the more money you can put into these cards, the better - bc your score will be higher and will give you a better foundation of starting CL in the future.
Keep in mind, there are of many fees associated with SCCs and make sure to take that into account from the get go. This can range to annual fees to monthly charges to even transactiom costs when you swipe. Read the fine print and find a reasonable card without outrageous fees. I beleive I used CreditOne bc they didn't cost as much as others.
When starting out, an upfront fee may kill your utilization the first month. For instance, if you have a $49 CL and upfront annual fee is $27, you're already at 54% utilization. And if you pay that immediately, it won't matter bc your remaining available credit will still be $22 and your first month reported to the bureaus will show high utilization (or in any lenders eye's - high risk). So find out what upfront fees will hit the first month and depsit enough money to stay under 30% UTIL. Build a healthy habit of not crossing 30% utilization and pay your cards off 10 days before they're due the first time around bc some companies take up to a week post your payment and you never want to be late. This way you know how to time your payments.
The amount of credit accounts also is a factor in your score so if you can afford to, get two or more. The best way to do this is apply for one, make your first payment that will typically include your upfront annual fee. Wait for that payment to clear, then apply for another card. Lenders see payments will often grant you cards with signs you pay your balances. This healthy process of applying for CCs can be used with the regular CCs you will be eligible for, usually in 6 months time.
Keep in mind that your reporting date is usually 3 days after your statement date and timing is key. Let's say you have a $300 card. You've used $75 to stay under 30% and you know your due date is the 20th of the month. You make a payment on the 16th for $75 and it posts on the 19th returning your balance to $0. The next day, your due date, the day closes in good standing. Within a 3-10 days the balance will reflect your credit report. Try to use 1-9% (or 29% max) of your CL in this window bc having 1-9% UTIL reporting is better $0 reporting and you don't have to carry a balance and pay interest. These rebuilder cards prey on those who cannot manage their cards. But that's not you bc you know the game and are here to beat the system.
You want move to $0 annual fee CCs asap so feel free to apply for unsecured CCs within 6 months. Capital One is known grant cards and forgive for past mistakes so apply there after 6 months if you're not aware of bettet options.
It also ould be a good idea to take $500 and deposit as a CD with your bank and use that as collateral for a secured credit card. Its the same concept as a secured card but you get interest back with your original deposit.
Hope this helps someone.
Much love,.
Romulus

Personally, I would keep your utilization down to 10% or less for a few months and lie low, just showing responsible card usage. Keep checking the Capital One prequalification page after that, and once you become prequalified for the unsecured Platinum, take the chance, as the prequals are usually pretty solid.
When you get your unsecured Platinum, use it a whole lot and either pay in full every month, or, like with your secured, keep it at 10%-below. Meanwhile, definitely pay your secured in full every month. At about 5 months, if you displayed heavy (but responsible) usage, they should give you a pretty good CLI--I often see people go from $300 to $1500.
By then you should probably have your charge-off paid for, so, while it won't remove it off of your report, it will help. You'll also have a decent unsecured card, and by then I would feel comfortable applying for another card and maybe closing your secured card after that, since it unfortunately won't graduate.
BoA has a secured card that will graduate, but their prequalification page is utter garbage, so you'll be taking a huge chance by applying, and there will be a chance at denial even with recon. However, if you do get it, it will be great to have an evolving credit card in your hand, as you won't have to close the line (as I'm sure you'll eventually need to do with the Capital One).
I dunno, I'm a pretty conservative person when it comes to this credit game, so my offered plan might be a bit lukewarm, but I think it might be pretty solid for you. Good luck, you can do this!

Is there a way to have security with help without buying Roboserver?

I'm on Robohelp 10, and I publish to Winhelp. I have 11 different roles from which users can choose from a drop-down. My managers would like to restrict access to certain of those roles to those people who are allowed to use certain functionality. For example, my managers would like learning requestors to not be able to see the help and procedures for the system administrators. We're willing to either set up usernames/passwords for all of our users (although that would be very cumbersome, involving hundreds of users) or tie access to the user's regular system log in that they use for everything else, which should automatically restrict their access in help (or so I would hope). We do have Sharepoint, so if using Sharepoint security is an option, we would be willing to consider that. Our preference is to use their existing access, as they already are broken into the same roles that the help I wrote for that system documents.
Is there any way to accomplish access control to certain roles WITHOUT having to buy Roboserver?

Hi there
Unless you have a typo or you plan on switching output formats, RoboHelp Server is a moot point here.
You stated you are producing WinHelp. That's a really old format and Microsoft would like to see it die a quiet death. But some folks still produce it. RoboHelp Server is designed to serve HTML files created by RoboHelp. So if you really are creating WinHelp and don't plan on switching things, then you can forget all about RoboHelp Server.
Assuming you did want to switch to WebHelp, you may place that on any web server you like. And your server admins can restrict all they like with permissions based on login or whatever that the users have. So from that standpoint, RoboHelp Server wouldn't be needed. It just gets a bit easier for you as the help author with RoboHelp Server as you would then gain a window or panel in RoboHelp, or maybe another small application you would launch that would allow you to configure the permissions for groups of folks. But I'm a bit out of my element here as I'm not a RoboHelp Server user. I'm like a fresh college graduate. I know the theory but haven't really experienced the real life work yet.
Hopefully Colum, or John Daigle will pop in to offer more.
Cheers... Rick

Mobile Banking BOA...This is a Killer App!

Man, I LOVE this one. *Mobile Banking*. My bank is Bank of America and I pay all bills through BOA Online Banking. What a great time saving feature. I also try and receive as MANY e-bills as I can. This is an email alert directly to you of a bill.
So, with this Mobile Banking Feature (FREE) when I get notification of a new bill through email, I can pay it instantly anywhere there is WiFi using my ipod Touch at airports, motels etc. etc. *I LOVE IT*.
The Mobile Banking is not as extensive as the BOA Online Banking that I normally use from my desktop but, it has the fundamentals. It is very lean.
I have been always fearful of logging onto my Online Banking when out of town. In fact, I have NEVER done it. Now I will, using this application and my ipod Touch 2.0
I did call BOA website/online banking CS and spoke with a women and I asked her about the security issues. You know, you are at a crowded airport and your punching in your social security number and password into your Mobile Banking. She said it was "ABSOLUTELY" secure. At the end of our conversation, I asked her again. Her response: "ABSOLUTELY".
I'm really psyched on this App.
If anyone knows ANYTHING that is risky with this App, please let me know
Thanks.

I'm happy to hear this! I'm going to download it as soon as I'm on my home computer. Thanks for the review!

BOA Secured Graduation?

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