Stagger

YIPEE!!! Finished rehab and just got info on new payments through Granite State Management... so glad to be here. Now I have a couple of question I figure someone on here can answer. Am I now off the IRS and SS most wanted list? ie. Will the still be taking part of social security check or tax refunds? Or is there something that needs to be done to get these type of garnishments off. Thanks so MUCH!

I recently purchased a 2005 vehicle. When I went to the dealership, I had a paid off trade in vehicle. I filled out a credit app, and after some time waiting the salesman came back and told me I was approved. After signing all the paperwork etc, I drove home with my new car that very evening. Wells Fargo was the lein holder. A few days later I got two snail mails from Wells Fargo, both dated on the the same day. The first one I opened said they were sorry they couldn't approve my loan, and listed a few reasons why and then gave me the usual option to get my credit report from the reporting agency. I opened the second letter that's address in the heading was completely different than the first letter. This second letter, welcomed me to Wells Fargo Auto Finance and so forth. WTH! Could they not decide? A few weeks later, I received my first statement to start paying on my auto loan and all has been well. Thought this might help someone. Guess WF has two different offices, and you can get two different answers to a loan app. Stagger

Great! My biggest jump was only 39 points and I thought that was good. When I first started on this journey my score dropped dramatically, cleaning up old stuff etc. Score took a big hit, but now it's been on the rise for the last few months. Hope within the next year I can really gain some ground.

Another good lesson: Even though you have not paid anything on your student loan for 20 years, and have now retired, they will take it out of your Social Security check. They will also take it out of your SS Disability check! Even though you are disabled, and receiving SS Disability that is NOT proof that you are disabled according to the department of education. You would think the fact you were drawing disability and satisfy the evidence to the social security department, does not mean that you are disabled to the DOE pertaining to discharging your SL for disability reasons. What a screwed up government we have! In effect we have the government taking SS taxes and paying the DOE.

I can tell you from first hand experience that a student loan can be discharged due to disability and 10 years later the come collecting again and some how have lost the mounds of paper work you filed to get the loan discharged. By this time many document are gone on your side as well. Dr. passed away, blah blah... You send them copies of all you have and they are still not satisfied. They disappear again for years then another 5 years later a new person is trying to collect. I was also told recently that payments from them withholding a tax refund only paid the interest and did nothing toward the principal! BS!! As for the case at hand. If this man is this old, how much do they think they are going to recover until he passes.

Myself, I haven't seen that pattern, but I wasn't really looking. I just know that 2 weeks ago it cost me 7 and yesterday it costs me 0. The "friend" was my son. I don't know if it's good that he can pull my score or not... Also is Fair Isaac now Equifax? Just wondering since that's the score that Score Watch monitors, which as we all know it usually the lowest of all three, aleast on my and DH's end.

I just wanted to let everyone in on something I just discovered and don't know if it's been talked about on here before. I have Score Watch with Myfico so I get an alert for different items blah blah blah... anyway.... I know someone who did a hard inquiry to see what would happen as though I was applying for a loan. (I know, not a good idea, but I had to check something out) This pull did not change my score on point! However, about 2 weeks ago I got an alert that my score had dropped 7 point when a collection attorney did a hard pull. I've not heard a word from this collection attorney on anything, so I don't know what that was for exactly. So I guess all hard pulls on your score and cr are not equal. Anyone else noticed this?

Gonna stay status quo and get my utilization down to around 10% and let that ride for a few months. Hopefully that will help in several ways. As for doing this for husband. Sorry if I started a conflict. But as I see it, doing it for him is doing it for me as well. We are a couple when it comes to applying for home and auto loans etc. I don't work outside the home, so he's the one with the scorable income. So my score alone is pretty useless. Also when you get started doing this it's hard enough to keep up with getting everything cleaned up when one person is trying to keep track of it all. I've got the time, and the organizational and typing skills anyway...lol. Come to think about it, on big ticket items maybe it should be a combined score... Anyway, thanks for the encouragement everyone. That's why I posted, I needed a little "hang in there".... a little support. That is always what I get from you guys so I want to thank you very much.

I know it was a stupid move putting him on there when I did. I did it right after I got back from my trip to Mississippi to help out in the relief efforts. I made another payment tonight, it will be down to about 30% then. Maybe next month will be better. I swear, you fart and your score changes. I thought I was doing good by adding him, didn't give the utilization a thought at the time. Not going to give up the fight, I guess. Just keep pluggin' along. Not pulling report often. I signed up a several months ago with Myfico to pull reports.

I kept thinking things would get better too. Now I'm not so sure. Actually he was added at the exact time a payment to cc that would make utilization around 50%, but as I look it put it on his report as the amount before the payment. Maybe next month it will go up 3 points...lol. I think I've found the more you leave it alone, the better it will get. Once you get as many baddies off as they will do, fix the addresses, previous names etc. leave it alone for a year or so. I messed with it at the wrong time I guess. It's just everytime I touch it, it slowly drops but so do the baddies. Doesn't make any since but that's what has happened to me over the last year. Just something for eveyone to keep in mind. I hit it hard for a few months when I first started this and got a lot cleaned up fast, score dropped fast too. Then I left it alone for several months and that's when I added him as an authorized user, now another drop. I have gained a few over the months but I've lost more than I've gained. But on the upside, if there is one, I have also lost a lot of baddies.

I've been working on husbands credit, trying to clean it up and get it back on track. Paid off a CC, been on time others, settled one and was on the way up. Had gained some points. So I decided to put him as an authorized user on one of my accounts and damn if his score didn't drop 16 friggin points! Actually since I started about a year ago, I started at 586 and even with all the work, as stated above, cleaning up on address, deleting some etc. he's down to 471 from myfico as of today. There is no winning at this is there? The more you try the worse the score gets. I wish now I had just left everything alone and not tried to clean things up at all. I tried to fix something that I thought was broke, but it got broker...

Lordy be, I can't believe no body and brought up y'all. It beat yous all to pieces in my opinion. I thought yous was an animal. (ewes) Davenport: yeah my grandmother (in Kentucky) used to call a certain kind of couch she had that. It had something to do with the guy who designed this special kind or something. More: Sweatin' like a whore in church. Tighter than ding-a-ling's hat band. Fixin' is especially useful. I'm fixin to go to the store, or I'll take it with all the fixin's. and BTW it is Pecan (PE CON)! Forty 'leven = a lot of whatever Handier than a pocket on a shirt. By the way, does anyone know when to use take and bring? I'll bring it to you? I'll take it to you?

I haven't had time to post on the board of my experience when I went to Gulf Coast to help with recovery efforts. I have many heart breaking stories and some wonderful stories as well. I will get to this soon. In the mean time: I just wanted to post and report in from the location of the devastation of last nights tornado. I have a NOAA weather radio and it started going off around 1:30 am and continued until 3 or later. Our area has been hit HARD. I live in Owensboro, Kentucky just a few short miles from one of the touch downs. There was a tornado that crossed over our home but did not touch down. On our local stations they are reporting 17 dead, the hospitals have hundreds in emergency rooms in 4 local hospitals and several are in surgery. The local news stations are giving much more information than on the national news. Several horsed were killed at Ellis Park race track. Many of the horses we released from the barns just before the tornado hit and are loose in the area. I work with Safe Haven Helping Hands Network and spent 17 days in the Gulf Port, Bayou La Batre area. When daylight came today the pictures of our area looked much like that of the areas I worked during my work in Alabama. Safe Haven Helping Hands has volunteers across the country to assist in local disasters as well as responding to national emergencies. If you go to www.safehavennetwork.org you can read about my work with the medical mission team. We go straight into the areas and deliver supplies directly to the people and deliver people to shelters who can't get there on their own. My mother lives just blocks from the mobile home park where so many were killed. I am very thankful she is alive and well. I had purchased her a weather radio after our home was destroyed in 2000. There are animals (dogs, cats and even pet birds) that are being found and being taken to the humane society. According to the latest news briefing there are some children been found walking down the streets who can not find their parents. There also have been some family that have been reunited. There are several families from Mississippi that were living in mobile homes that were hit. We don't have a report of those families as of yet. I am begging you to send just $1 to our organization, we have depleted all of our funds in helping Katrina victims. Now I have destruction in my own back yard and assistance is much needed. If it wasn't needed I would not be asking. Your denotation is tax deductible. Safe Haven Helping Hands Network Home Office PO Box 827, Moneta VA 24121 540-588-4133

Good Luck!! I hope you don't get side tracked and blocked by the bureaucrats running the show. The road blocks are worse than the old visa check-points in Europe in the "old days". Take a LOT of mosquito repellent, spray your clothes, wear long sleeves and tuck your pants into your boots or socks. Spray your clothes thoroughly. <{POST_SNAPBACK}> Hello from Bayou La Batre, AL. I've been down here 3 days now and I'm still stunned at the loss and devastation. It's never ending. I have posted some pictures on the site of the organization I'm working with: http://photos.safehavennetwork.org/ Be sure to check out the main page of Safe Haven. Safe Haven Network If you have any services you can donate or if you have any needs, please an Ad. This horrific catastrophe is heart wrenching. Many had little to begin with, now even less. My heart bleeds for these people. I feel this is not going to be one of those events where you give or assist once and move on. This is going to take donations and help for months to come. Please plan on that. Give now and save and give more later. It will be needed. Thanks for your time, your contributions and your prayers. WhyChat: Staying FAR FAR away from the obnoxious bureaucrats running the show! They are pretty useless! Can't get anything done because they are too busy looking up the rules and regulations and filling out the paper work to go with the rules. STUPID! The organization I'm with is just bypassing them, heading into the communities and filling their needs on the spot.

Hello from Bayou La Batre, AL. I've been down here 3 days now and I'm still stunned at the loss and devastation. It's never ending. I have posted some pictures on the site of the organization I'm working with: http://photos.safehavennetwork.org/ Be sure to check out the main page of Safe Haven. Safe Haven Network If you have any services you can donate or if you have any needs, please an Ad. This horrific catastrophe is heart wrenching. Many had little to begin with, now even less. My heart bleeds for these people. I feel this is not going to be one of those events where you give or assist once and move on. This is going to take donations and help for months to come. Please plan on that. Give now and save and give more later. It will be needed. Thanks for your time, your contributions and your prayers.