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Looking to buy an Escalade, and want to know if I should apply for the auto loan before or after my upcoming app spree. TU: 825, EX: 741, EQ 718 FICO 8's

Both EQ and TU have told me that my PR's will be removed by end of July.

Just spoke to EQ regarding a Tax Lien sitting on my file. The agent states that the record does not meet the new reporting criteria and will be removed at the end of July.

Did you try getting a goodwill response?

Sorry for the lack of clarity. I did the opt out and deleted the old addresses. I did the initial dispute letter using the dispute letter from the HIPAA Guide to EX. I sent the Medical DV, but added a line at the bottom stating "In addition, for the (4) accounts that I had no knowledge of those accounts, and even if they were to be valid, that they were beyond the SOL in CO."

Hello WhyChat, I have (7) Medical collections with balances showing on my EX report only. Sent the dispute form to EX, which came back validated. Need help on the next step, sent your letter to CA asking for verification of the relationship with OC, and advising them that 4 of the 7 alleged debts are beyond the SOL in Colorado. They replied by sending me copies of the bills on all 7 accounts, but did not send anything showing any contract or relationship they have with the OC. They also failed to acknowledge the beyond SOL part of my letter. In the documents, the Hospital Service Agreement contains a section under Financial Agreement that says, "I consent to be contacted by regular mail, by e-mail or by telephone (including a cell phone number) regarding any matter related to my account by the Hospital or any entity to which the Hospital assigns my account. I also consent to the use of any updated or additional contact information that I may provide by the Hospital or any entity to which the Hospital assigns my account, as well as to the use of technology including auto-dialing and or prerecorded messages in contacting me." Does this invalidate any part of this process? What should my next steps be? Advise the CA that they failed to provide proof of any relationship, and advise them again of the SOL on the (4)? Thanks!

Here is what my EQ says for AAOA: Length of Credit History: 9 Years, 5 Months Average Account Age: 8 Years, 11 Months My Dad's Chevron, which I am AU on with 50yrs of history doesn't show up when I pull EQ, however I did send them a fax with both confirmation numbers from the two variations in which I think shows a "split" file to be combined. Didn't think adding that would make the score jump 49pts, especially when it doesn't show yet, and my EX and TU have that on there and are not showing that kind of variation. Still puzzled...

Collections are from: 2015, 2017, 2017 Liens are from: 2010, 2016, 2017 Late's are from: 2012, 2017, 2017 Utilization is 1% for last two months and hasn't changed.

Hello, Just got the score update email on my 3B product from MyFico. EQ +49pts. Logged in to my EQ product and did the updated report and shows no change, does MyFico update faster than EQ on EQ data? Makes no sense to me. Still have (3) Collections, (3) Tax Liens and (3) Late's reporting. I thought maybe it was related to the July 1 Tax Lien reporting change, but it appears they are still there. All the other derog's are in dispute and still showing.... Thanks!

I have had the CLD's that have maxed out my utilizations on many cards, starting the domino effect. Ever since the credit repair, I have made no late payments with the exception of the BofA 20 day, which is not a late pay reported to the bureaus. These CLD's are going to result in the rate jacks, etc. I am tired of the banks shafting the good paying customers. They are screwing people and their families by the thousands. Best one yet - Banana Card Closed my account, and returned without my permission, the last couple of gift cards I purchased. So I bought them with my account in good standing and a full credit line, and they basically stole them from me. I called and they said that it was their policy and that they closed my accounts due to the credit crisis. Also - just paid a big payment to Macy's, went to use the card again, and they had lowered my guideline for the same reason - credit crisis. I make good money - which could preclude me from any BK, but am watching my credit spiral down the tubes in front of me. I am considering letting it all hit the curb because they are going to rate jack me, and I have done nothing other than pay all my bills on time. If I let them hit the curb, I planned to preserve the car credit section of my reports by paying them all on time, but was concerned how to handle NFCU in particular due to the cross collateralizing clause that appears to exist. Still trying to make a choice.....

I have two CC's, LOC and Auto with NFCU. BofA gave me the shaft and made my whole balance due for being 20 days late. So I am going to let it hit the curb, in the mean time I have had CLD's by many of the cards, so I was thinking of just not paying any of them. I just want to make sure the vehicle stays current so my "car credit" is clean while I work to clean this stuff up again. May end up doing a BK to assist in the cleanup since most would be with OC's. If my cc's default will they take the vehicle even if it is on time?

Bank of America Visa was 20 days late. Collections department called on Labor Day and told me I was in 30 days past due and in default, which I was not. Had made the July payment, and missed the August 13th payment, and would need to make immediate payment of my full $21,000 balance. I told them I inadvertantly missed the payment and they could verify that I had plenty of money in my account at all times to have made the payment. They said I my account could not make payments anymore. I went to my online account access and it allowed me to make my payment. Posted to the account and the card is still active. Next payment is due 9/13. Received another call from collections today, and they said I was 30 days late. I argued with the lady and she finally agreed that my account was current. She put me on hold and her supervisor came on. He told me that my payment was not going to stop them from collecting from me, and that I still needed to pay the full balance. WTF?? I told him I was current based upon the last payment and the status of my online account. He said it was wrong and that they would use my social to do an asset search, call my employer, and take my retirement, etc. I told them that I did not understand why they would do something as stupid as demand full payment on an account that has perfect history, and was only 20 days late, and that was cured, especially in this economy. His response was that he would mark the account refuses to pay and go after "everything I have", then he hung up. What is up with these guys? If they are true and they make the full balance due, my credit is going to take a hit. I am not sure what to do other than max it out, close my other accounts, and let them try to get me....It didn't work the last time when my credit was ruined. I have worked really hard to get a perfect file established, and have maintained it, but am not afraid of "bad credit" - been there done that. So - if BofA screws me on this, I will never pay them, but if that is the case, how do I protect my other credit from CLD's, etc. This could spiral into a disaster. My other option is to not pay anyone, file BK and start over? BTW - DW's credit is perfect, and nothing on my credit is joint. Advice please. Thanks

Mine was CLD 5K-3K

There Back!! +5 back on mine..... Damn them.