Knowledge Base

The knowledge base contains information on various consumer credit topics which doesn’t fit into any of our other categories. Click of any of the following questions for more information:

If there is anything you have a question about, feel free to contact us. Alternatively you can ask on phroogal.

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KD(18)
KD(18) (@guest_1752359)
December 6, 2023 08:31

Hey Can anyone Give some advice?
I turned 18 about 4 months back and ive been unsing Self a credit building app for about 2 months and my score is a 650, I want to rent a 2 bedroom 1 bath by 19 and im a little confused on what i need, does anyone know what would be the best way of going about this.

Chip
Chip (@guest_1557084)
February 15, 2023 14:09

I’ve heard that if your address changes, changing that on your creditreport and then dispute possibly accurate negative items will mean those creditors won’t be able to verify since they have the wrong address? Is this correct?
Any other ideas to dispute possibly correct negative items (4-5 years old) to get them off the report, at least long enough to be approved for a credit card?

Michele
Michele (@guest_1769994)
January 3, 2024 15:46

I literally disputed everything my score jumped to 700

Kim Bowyer
Kim Bowyer (@guest_1464674)
October 13, 2022 16:57

I have not received my new cards. Can you track where they are?

Mike Ritsema
Mike Ritsema (@guest_1460646)
October 8, 2022 08:04

I booked a hotel in Naples, Florida through Chase Ultimate Rewards in March of this year. 1 day before departure, they canceled my reservation.
I’m bouncing between the booking agency and Chase for my 100,000 point credit. Can you suggest an advocate? I’m absolutely striking out on a resolution.

Al
Al (@guest_1339405)
February 26, 2022 15:28

Is doing digital online credit repair item deletions legit? A guy wants to charge me $1,500 to learn his method. Before I engage him furthee I want to know if you have heard of going online and digitally deleting items on a credit report in less than 30 days, and all 3 bureaus?

Mike
Mike (@guest_1339436)
February 26, 2022 17:54
  Al

Oh god, that’s 100% a scam. You can only dispute items on a credit report from each bureau; you can’t just magically delete them much less across all three credit bureaus. Read what you just wrote and see if it makes sense. Please don’t engage with this random person from the internet.

Paul Mills
Paul Mills (@guest_1311726)
January 8, 2022 13:42

Chase Bank not honoring their checking promo. Who do I contact?

J2
J2 (@guest_1249712)
September 7, 2021 19:46

Don’t forget to put https://www.doctorofcredit.com/tag/big/ under knowledge base. Thanks.  William Charles

Harry
Harry (@guest_1253376)
September 14, 2021 13:52
  J2

https://www.doctorofcredit.com/tag/big/ has nothing to do with knowledge base

Paul Mills
Paul Mills (@guest_1311608)
January 8, 2022 08:08
  J2

Who do I contact when Chase Bank does not accept the direct deposit of my pension as valid to meet bonus requirements?

Fabio Vasquez
Fabio Vasquez (@guest_827009)
October 18, 2019 08:12

How to build new credit with credit cards

steve balian
steve balian (@guest_669062)
November 7, 2018 14:08

Hi i recently fixed my credit and have nothing but three authorized users(two wells fargo over 10k over 7 years history and one bofa 10k from 2010) on my credit report. I applied for club carlson visa sign. and the fidelity investments visa sign. both approved me for 5k. Does anyone know of any other cc t that have lose guidelines also care credit gave me 12k.

Mdam0re
Mdam0re (@guest_847922)
November 23, 2019 01:53

I heard Apple card is easy for ok credit

David
David (@guest_491246)
October 10, 2017 09:54

Thanks for the post.