Less than 2 months post bk, scores soar!

Scores after bk were around 490ish and less than 2 months later, my experian fico is 627! Equifax and transunion are 534 and 518. I applied for two capital one cards and since leaving a small balance on both, my scores raised significantly. I am excited! Ill be at 700 within the 2 year timeline for sure !!

Kookoos wrote:
Absolutely start rebuilding your credit the day of your discharge.( provided your trustee has not put any limits on you.... It can void your bankruptcy.) Ask you attorney. I cried my self to sleep thinking about filing..then I cried my self to sleep asking why I didn't do it earlier.
Credit on Sept 2013 the day of discharge.
Eq 589 / TU 569 / Ex 585
Today
EQ 761 / TU 756 / Ex 752
Be smart.. Never carry a balance of $0.
If your card closes on the 18th. It will be due on the 12th. It reports on the 7th then you pay on the 8th. This way you carry a "reporting" balance but still never pay interest. I always report 7% balance. Nothing more. Nothing less!!!!! It is a pain but it has worked for me. I hope this helps someone. BK is absolutely frightening. Im 6'3" 235lbs. It brought me to my knees!!! But there is hope. Hang in there!!! Just remember this one thing. Your Fico is a credit score..not a debt score.. If you don't show how you manage credit your score will see very little movement. USE your cards and let it show. $0 reported balance means 0 activity to the computing formula. Good luck. YOU CAN DO THIS!!!This, by far, has to be the best and still a little hard, tip to date for repairing credit! Thank you! I am trying to get all of my due dates the same or very close together. In the interim, I am using this method of using maybe 3 cards, then rotating.

Similar Messages

Zen plus V stopped working--won't turn on, less than 1 month old............

I have had my zen plus V less than month and I tried turning it on and it would not.
What is wrong with it's How can I get it fixed or a new one? I got it from walmart.com
Frustateddddddddddddddddd

I did what you said about resetting it and it started working, not sure what it really was as it said it was charged. I did get one play error since and could not turn it off or clear it, it froze, what causes that?
I had to hit the reset once again and it unfroze and worked. why does it freeze like that? do i need to return it , is it defecti've?
btw thanks for the help! also what is the other button on the right side under the volume button?

Creative ITRIGUE 3800 - less than 1 month, only playback through two red connectors out back

i have a Creative Itrigue 3800 system that i bought within 30 days. the only playback i get through these speakers are from the dual red outputs in back. yes that is correct, there are two red outputs going to one speaker. i cannot do a white and red hookup since the speaker connectors because of their mold will only fit on one manner in any case i am sure that only the two red connectors work, whether there should be two red's (and a set of 2 whites) per speaker i have no idea. what i do know is that i dont have the original boxes for the speakers and that they are less than month old. the receipt i do have. i'd love to know what i should do to fix this problem. i would love to hear from someone. i'd love to get these speakers to work somehow or take the corrective action. thanks
btw i dont get any playback ever from the dual whites. just the dual reds (one speaker & bass seems to work though the bass isn't that great quality though i'd love to just have the speakers functional)

How is it BBYs fault at all? All they are is a middle man. They didn't produce the faulty phone and trust that the vendors they partner with send them non faulty products.
Because BBY realizes there are defective products they offer a 30 day window where BBY will deal with the headache of dealing with the manufacturer instead of the customer. After that the customer deals with the manufacturer if there is a problem.
If the customer wants more peace of mind they offer extended warranties so you can deal with BBY only.
I truly am sorry that you got a defective phone and hope it is fixed or properly taken care of. I just don't see how you can link it to BBY as its not their responsibility.

5th time in less than 6 months

Dear Blackberry Support Team,
I'm so sad to send this massage after 10 years of loyalty to Black berry smart phone as I bought my 1st blackberry device on 2005 it was the bb curve and then I bought another one for my wife at 2006, then she switched to bb curve 9360 and I bought the bold 9900 at 2012 and I continued to use it for 2 years despite facing delays in updates and models compared to Samsung and iPhone so I started to search for another BB that fulfils my needs so I got Z 10 on May 2014 which is now at the maintenance center for the 5th time.
Now I've decided to switch into another brand and leave Blackberry for good.
And before taking that decision I would like to clarify my reasons for that:
The lack of a real maintenance center here at Egypt
All the bb devices that I used I changed their batteries after less than a year because it heats up the device and affect the applications
And finally my struggle with the Z 10 smart phone which I bought in May 2014 as mentioned before and it went to the maintenance center after just one month of using it and it remained there for 25 days then they told me that they don’t fix BB mobiles and they are going to give me a brand new one instead which was fine by me and I thought my problems have ended … I continued using it for another month and again the same defect appeared again and I had to go to the maintenance center and the same thing was repeated and I received another brand now one after 20 to 25 days … this scenario kept repeating now for the 5th time, I receive a new device , use it for about a month then the same factory defect appears
My question here … is that normal??? To use a device for a month or two and instead of fixing the problem they switch it with another one!!??
I was an old and loyal customer to you but now unfortunately I will not be that customer any more.

I've read posts like yours, so you are not alone. I don't think it is typical, but I don't know the statistics. All I can tell you is I used the Z10 from the day T-Mobile started selling it, and now my wife is using it. My only complaint is battery life at best is not great for a BlackBerry, but everything works on it.
- Ira

Less than 0.5 mbs for a month usually 7 mbs

for about a month now ive been getting less than 0.5 mbs i normally archive an average of between 6 and 7 i phoned bt they have sent an engineer out he has changed the face plate checked the wiring changed the hub and so on and so on, it didnt make the blindest bit off difference everytime i ring bt they just "reset" my profile which does nothing i have been through every single bt test at least 8 time im going up the wall it took me an hour to download a 3mb file other night PLEASE SOMEBODY HELP
test results as i post
IP Profile for your line is - 7150 Kbps
Download speedachieved during the test was - 367 Kbps
For your connection, the acceptable range of speeds is 600-7150 Kbps.
Additional Information:
Your DSL Connection Rate :8128 Kbps(DOWN-STREAM), 448 Kbps(UP-STREAM)
i have the exact same problem as damien99 a few posts down he lives a few streets away from me
this is his post
For the pase two week my speeds have generally been below the acceptbale level for broadband. Yet before that everything was fine and i haven't changed anything internally that would have altered this. I have rung BT and i have had three visits from engineers. The second engineer changed the faceplate to the new kind that doesn't need a filter plugged in. I have changed ethernet cables, reformatted my PC tried all 3 versions of the home hub and tested with a different PC and nothing has made a difference. I have had my profile reset, line tests done and according to BT there is no fault anywhere for them to be able to do any further work. SO why am i achieving such dreadful speeds?? I am not that far from the exchange either.

Whem you contaced the mods usingthe contact form you should have gotten an email back with a reference, if not then you need to try again.
Damian had his card shifted to another location in the exhange hence why he has no issues now
If my post was helpful then please click on the Ratings star on the left-hand side If the the reply answers your question fully then please select ’Mark as Accepted Solution’

Droid Razr Motorola HD less than 1 month and not working

Last month my Droid Razr Motorola HD just stopped working, no reason, just stopped after working the night before. :-( Posted here BTW, I received a replacement phone, a REFURBISHED on 04/14/2014 and guess what? yes, it too doesn't work but for another reason, now instead of being dead, I can text but cannot hear anyone when they call me, it is a dead sound, I can call them and sometimes hear a staticy broken up conversation, sometimes nothing unless I put them on speaker!!! This is as I said less than one month in with this phone, no damage has been done nor has it gotten wet!! This is extremely unacceptable service!!!! And why I adhore refurbished phones!!!!!

I'm surprised to see you're having so many difficulties with such a popular phone, Terry_R. The warranty replacements go through pretty rigorous testing to make sure this type of difficulty doesn't occur. Although you can't hear the person, can they hear you? If you look into the headset jack of the phone, do you see any debris or corrosion? Please also make sure the phone is up to date by going to Settings>About Phone>System Updates.
JenniferH_VZW
Follow us on Twitter www.twitter.com/vzwsupport

My MacBookPro is less than 3 months old and for the last few days, it has been itslow to load anything, especially web pages. I get the rainbow swirl when loading or reloading. I guess I am spoiled. Up until now it was lightening fast!

My MacBookPro is less than 3 months old and, for the last few days, it has been loading so slowly, mainly with webpages. I have gotten the swirling rainbow "thinking" icon more in the last days than I have since I bought it. I know I'm spoiled and expect it to be faster than lightening (which it has been) but I am worried that I may have been compromised in some way, or, is there anything I can do as administrator to clear out some "junk"?

Back up your documents and everything else important to you, not that there is any reason to believe your hard disk may be failing, but the symptoms you describe may presage an impending disk failure, and you should have backups anyway.
Given that your MacBook Pro is so new, you should certainly contact AppleCare and take advantage of the free telephone support included in its purchase price.
Until then, if you are motivated to investigate this yourself consider the following:
Apple Support Communities contributor etresoft wrote a very useful app to quickly gather certain system information that may help point to a cause of this problem. Go to his website, download and run EtreCheck:
http://www.etresoft.com/etrecheck
Etrecheck will be in your Downloads folder. Open it from there. You may see the following dialog box:
Click Open - etresoft contributes to this forum frequently and can be considered a trustworthy developer.
It will take a moment to run as it collects its data.
Copy and paste its output in a reply.
Do not be concerned about anything that says "Problem" or "failed".
EtreCheck was designed to remove any personal information (such as your computer's name and serial numbers) but if you see anything that looks like an email address or any other personal information that should not be divulged to others, please delete or obscure that information when you post the reply.
When you are finished with EtreCheck, quit the program. It occupies very little space, and you can keep it or drag it to the Trash as you wish.

Printer is less than 2 months old and suddenly began sounding like a machine gun and will not print.

Printer is less than 2 months old and suddenly began sounding like a machine gun and will not print.

It sounds like it is broken. Contact HP about a replacement: www.hp.com/go/totalcare
Say thanks by clicking "Kudos" "thumbs up" in the post that helped you.
I am employed by HP

Less than a month and its already broken

Dear BT and Forum users,
I am not very happy with my BB service right now and have come on here in the hope that I might get more that platitudes and fob offs.
So... a few weeks ago my husband finally gave into the sales calls and agreed to have Infinity installed. Our reason - not so much faster internet but in the hope we might get a consistant service.The service we had before that was tempermental at best and we were sick of having to reset the router every other day. (in hindsight we should have just gone with an alternative ISP).
It was installed a couple of weeks ago and worked well until last Wednesday, since then the service has been a comedy of errors. To start with my husband confirmed from the outset that they problem was not coming from inside the house but the customer service operator insisted on booking an engineer.
We agreed to the Friday morning appointment. I booked the morning off work (using annual leave) and the engineer didn't show up. My husband called at 12.30 (they won't take calls from me as I'm not on the bill) and he was assured the appointment was booked in. Shortly after 1 I took a call at the home to say the "system" had lost the booking and the engineer wouldn't be coming.
I said I was in all day, he could come now but that was clearly off script and the call centre operative wouldn't enterntain the idea (annoyingly there were 2 BT vans in my neighbourhood that afternoon). Instead they wanted me to rebook another 4 hour appointment. I couldn't stop in Saturday and wasn't going to lose more leave. I said I would discuss the options with my husband.
What followed that afternoon was a series of coversations with them, some with me at home and some with my husband at work offering the same options and us giving the same response. I don't know if the operatives weren't talking to each other or didn't understand but it was really irritating. In the end they said they would call my husband at 4pm. They called some time after 5 and said the would try the exchange first and call us Monday morning if they needed to access the property.
Saturday 8.30 the engineer called to say they were on their way, we had the time so we waited. He arrived and was in the house all of 15 minutes before confirming the problem was in the exchange (all that time wasted for that!). We got a call Sunday to say they needed a new part at the exchange then today my husband got an undecipherable voicemail and a text saying the service will be fixed in the next 72 hours. He has spoken to them this evening and we're still non-the-wiser as now there's a fault further up the line.
Whilst all this is going on we have tried to find out if they expect us to pay for the Infinity and BT Vision whilst the services are not working. All they will say is they won't look at refunding losses until the issue is fixed. I realise they can't give us a total but it was a pretty straight forward question - am I paying for this non-service. One operator has said I can have £10 to cover the missed appointment (I value my time and annual leave a little higher).
In all honestly the loss of internet and BT vision is frustrating but what has really dissapointed me is the lack of customer service. No one in the call centres seem to have a clue what's going on (we've had so many versions of what's wrong) and are too tied to a script. There's no sense of inconvenience - I'm supposed to be ready and waiting for 4 hours at a time but they will fix it sometime in the next 3 day.
Right now I'm not even sure its worth waiting to get this fixed.
I'd love for someone to come on here and fix this for me but I'd settle for a little peer support/shared experience.
Thanks
L

OK, so I was being a little optimisitic. We're back online (yay!) but now the bill is just more of the same. Apparently we have to wait 48 hours before they will tell us how they are adjusting the bill I understand that they cannot confirm the problem si fixed yet because of some internal policy but they won't even tell us how much they would calculate as of now - a pretty straight forward question.
So with that, we threw in the towel... said if they can't asnwer a simple question we were off. Of course when I told then operator this he said he's put me straight through to his boss and then left me on hold for over 20 minutes before I gave up!
Called back to leaver dept. to be told we have to pay £200 to cancel (funny they could give us that figure pretty easily). I don't know what was said when he signed up but I am going to be investigating this further. We've had the service less than a month and its been broken a week.

Macbook (mid 2012, 9,2) has very poor performance since the day I bought it (less than 2 months ago)

Problem description:
My macbook is extremely slow since the day I bought it (which was less than 2 months ago)…Came preinstalled with Mavericks and 4GB of RAM. Upgraded it to 16GB hoping that would help, but that did very little…then upgraded to Yosemite. That just made it worse. Formatted the whole thing and installed clean Yosemite. Still, every time I right click, I get the rainbow loading icon and it hangs. Every time I open any file, or click any app, it hangs for a few seconds, again with a loading icon. Every time I play a song on iTunes or even VLC for that matter, it stops multiple times, every few seconds. Feels like it’s “buffering” while I’m playing a song off my hard drive. It’s been bothering me for too long now…Any idea what the issue is exactly?
EtreCheck version: 2.0.11 (98)
Report generated 12 November 2014 23:55:47 GMT-3
Hardware Information: ℹ️
MacBook Pro (13-inch, Mid 2012) (Verified)
MacBook Pro - model: MacBookPro9,2
1 2.5 GHz Intel Core i5 CPU: 2-core
16 GB RAM Upgradeable
BANK 0/DIMM0
8 GB DDR3 1600 MHz ok
BANK 1/DIMM0
8 GB DDR3 1600 MHz ok
Bluetooth: Good - Handoff/Airdrop2 supported
Wireless: en1: 802.11 a/b/g/n
Video Information: ℹ️
Intel HD Graphics 4000 -
Color LCD 1920 x 1080
LCD TV spdisplays_1080p
System Software: ℹ️
OS X 10.10 (14A389) - Uptime: 2 days 10:0:44
Disk Information: ℹ️
APPLE HDD TOSHIBA MK5065GSXF disk0 : (500.11 GB)
S.M.A.R.T. Status: Verified
EFI (disk0s1) <not mounted> : 210 MB
Recovery HD (disk0s3) <not mounted> [Recovery]: 650 MB
Macintosh HD (disk1) / [Startup]: 498.88 GB (374.54 GB free)
Core Storage: disk0s2 499.25 GB Online
MATSHITADVD-R   UJ-8A8
USB Information: ℹ️
SIGMACHIP USB Keyboard
Apple Inc. FaceTime HD Camera (Built-in)
Apple Inc. BRCM20702 Hub
Apple Inc. Bluetooth USB Host Controller
Apple Inc. Apple Internal Keyboard / Trackpad
Apple Computer, Inc. IR Receiver
Thunderbolt Information: ℹ️
Apple Inc. thunderbolt_bus
Configuration files: ℹ️
/etc/hosts - Count: 6
Gatekeeper: ℹ️
Anywhere
Kernel Extensions: ℹ️
/Library/Application Support/VirtualBox
[loaded] org.virtualbox.kext.VBoxDrv (4.3.18) Support
[loaded] org.virtualbox.kext.VBoxNetAdp (4.3.18) Support
[loaded] org.virtualbox.kext.VBoxNetFlt (4.3.18) Support
[loaded] org.virtualbox.kext.VBoxUSB (4.3.18) Support
Startup Items: ℹ️
TuxeraNTFSUnmountHelper: Path: /Library/StartupItems/TuxeraNTFSUnmountHelper
Startup items are obsolete and will not work in future versions of OS X
Launch Agents: ℹ️
[not loaded] com.adobe.AAM.Updater-1.0.plist Support
[running] com.teamviewer.teamviewer.plist Support
[running] com.teamviewer.teamviewer_desktop.plist Support
Launch Daemons: ℹ️
[loaded] com.macpaw.CleanMyMac2.Agent.plist Support
[loaded] com.microsoft.office.licensing.helper.plist Support
[loaded] com.teamviewer.Helper.plist Support
[running] com.teamviewer.teamviewer_service.plist Support
[not loaded] org.virtualbox.startup.plist Support
User Launch Agents: ℹ️
[loaded] com.adobe.ARM.[...].plist Support
[loaded] com.google.keystone.agent.plist Support
[loaded] com.macpaw.CleanMyMac2Helper.diskSpaceWatcher.plist Support
[loaded] com.macpaw.CleanMyMac2Helper.scheduledScan.plist Support
[loaded] com.macpaw.CleanMyMac2Helper.trashWatcher.plist Support
[not loaded] org.virtualbox.vboxwebsrv.plist Support
User Login Items: ℹ️
iTunesHelper Application (/Applications/iTunes.app/Contents/MacOS/iTunesHelper.app)
Dropbox Application (/Applications/Dropbox.app)
Internet Plug-ins: ℹ️
AdobePDFViewerNPAPI: Version: 11.0.0 - SDK 10.6 Support
SharePointBrowserPlugin: Version: 14.4.5 - SDK 10.6 Support
AdobePDFViewer: Version: 11.0.0 - SDK 10.6 Support
QuickTime Plugin: Version: 7.7.3
AdobeAAMDetect: Version: AdobeAAMDetect 1.0.0.0 - SDK 10.6 Support
Default Browser: Version: 600 - SDK 10.10
3rd Party Preference Panes: ℹ️
Tuxera NTFS Support
Time Machine: ℹ️
Time Machine not configured!
Top Processes by CPU: ℹ️
      20% mds
      6% Google Chrome
      4% WindowServer
      1% hidd
      0% Dropbox
Top Processes by Memory: ℹ️
481 MB Coda 2
258 MB Google Chrome
189 MB softwareupdated
189 MB loginwindow
189 MB Finder
Virtual Memory Information: ℹ️
5.71 GB Free RAM
7.22 GB Active RAM
2.63 GB Inactive RAM
1.62 GB Wired RAM
25.24 GB Page-ins
0 B Page-outs

If it has been slow since it came out of the box, it's probably defective. The warranty entitles you to complimentary phone support for the first 90 days of ownership.

Can't upgrade with less than a month on contract left....don't want "The Edge" program either

My husband and I are both due for upgrades May 14, 2014 (less than a month away)- we were refused a new 2 year contract with the purchase of 2 Samsung S5 phones yesterday in store and told to call customer service and they would adjust our update date. After 45 minutes on the phone with them, mostly on hold waiting to speak with a supervisor because their cs rep was rude, we were told they would approve an early upgrade for any phone EXCEPT the one we want. They would rather makes us wait to upgrade 30 days, with my husbands phone not holding a charge, and allow us time to decide which provider we want to move to than sign us to two new two year contracts. Is this how loyal customers are treated?

CAUTION: If u currently have an UNLIMITED DATA PLAN... then, u do NOT want to use your upgrade, because u loose it, after the upgrade!!! ... I still have the old UNLIMITED DATA PLAN, because, they told me, I'd loose it, if I upgraded... only way to keep your unlimited data plan, is to get a phone from online... Amazon, ebay, or pay full price for a phone,which stinks, but it's better then loosing unlimited data!

My iPhone just goes dead. It's not low on battery and this is the second one I have had do it. I have a 4s less than 4 months old. Anyone else?

This is the second iphonev4s I have had to just turn off and can't get it to cone back on. I charge them to make sure it's not battery but they still won't come on. The first one did it within 30 days so they replaced it. My current one I have had less than 4 months. Anyone else?

Unless you have another USB cable, and if that fails another computer to test the connection with, then I'd suggest you take the phone into an Apple store.

Seagate FreeAgent Go is making a clicking sound and the light is rapidly blinking. My Macbook is no longer recognizing it. Is there any way to fix it or recover my files? The SeaAgent is less than a month old!

Seagate FreeAgent Go is making a clicking sound and the light is rapidly blinking. My Macbook is no longer recognizing it. Is there any way to pull all the songs I have saved on it? The SeaAgent is less than a month old!
Does anyone know how to fix this issue?
Or at least recover the lost data?
Thanks!

How to fix: the drive is in warranty, so contact Seagate for a replacement.
How to recover your data: Do you have backups? (If not, you really, really, should.)
You can try downloading Data Rescue, which will run in trial mode and let you know if the data is recoverable. (You can then choose to purchase the full version if it works for you.) A clicking drive, though, is usually (though not always) a sign that the drive cannot be recovered.
Matt
Edit: fixed link.

My Apple iPad 3 is less than 6 months old - purchased in March of 2012. I believe it already needs a new battery. It will not hold a charge for very long andvs very slow in starting up a carge when I plug it in. Please advise - it is very annoying.n.

My Apple iPad 3 is less than 6 months old - purchased in March of 2012. I believe it already needs a new battery. It will not hold a charge for very long andvs very slow in starting up a carge when I plug it in. Please advise - it is very annoying.

Take it to Apple Store. You are covered under your 1 year warranty.

MIRO(Invoice Verification) posting date is lesser than MIGO(Goods Receipt)

MIRO(Invoice Verification) posting date is lesser than MIGO(Goods Receipt) posting date.
Explanation:
Miro sholud be posted after the GRN has posted. It means that the Posting date of Miro should be greater than or equal to the Posting date of Migo. But I am facing the issue that I can able to post the Miro before the Migo date..
For example: I have posted the Migo(Goods receipt) document with the posting date u2013 10.8.09 and at the same time I can also able to post the Miro(Invoice Verification) posting date as u2013 5.08.09. This is should not be allowed . Kindly give me the solution. Is there any options in SAP standards to restrict this type of Postings(without using user exit).
regards
Varadharaj

Hi
you need to use BADi for this INVOICE_UPDATE
you can give logic as whil;e MIRO system will compare posting date with MIGO doc , then create a Z error msg in se91 nad assign it in that badi
take help of ABAPer, check following link
[LINK |GR date lesser than the PO date, the system should show an error message.;

Less than 2 months post bk, scores soar!

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