tattedbrat

Darn, not owned by Freddie Mac either. I was hopeful.

I received a denial for a credit increase on my CapOne GMCard. States: "We calculated an internal credit score and used it in making our credit decision. The credit score is a number that reflects the information in your credit report. This credit score can change, depending on how the information in your credit report changes. The score was calculated by us based on information in your credit reports provided by the consumer reporting agency listed below. We also obtained your credit score from the consumer reporting agency and used it in making our credit decision. Your score: 1068 The score ranges from a low of 1500 to a high of 1 Date the score was obtain: November 10, 2015" Never have seen this before. Geez, I suck per their score.... I figured I would get denied, I just wanted to see if I would have any luck calling after denial for reconsideration. No increase on this card in many years The date the score was obtain is strange because I just did this a few days ago. They pulled Equifax. .

Just received a letter from Capital One. Surprised to find that they calculate their own internal credit score. Have they been doing this long? Thanks in advance!

Thank you. It tells me they do not.

My loan docs say Fannie Mae on the bottom of them, however when I try to look up my address on the Fannie Mae web page it says it can not find me. How can I find out for sure? I am currently with Ocwen and have a horrible 80/20 interest loan only with 2 balloons and one of those is going become effective in the next few months. Looking to refi, but am probably still underwater or modification (last resort). Thank you in advance!

Thank you for all the feedback. I have tried for a debt consolidation loan in the past with my CU and was denied...due to having too many high balances! I was very confused and upset with them. I also have a personal loan that I did use to pay off and down some of these cards last year for approx $9000. I know that this isn't a lot of debt and I would hate to file for BK. I have more bills than income right now and no extras left to cut out. I will start with the GMCARD as suggested and look into PENFED and NAVYFCU, it doesn't hurt to try. Again thank you all so much for the advice, anything else you can think of is greatly appreciated.

Paying more than the minimum when I can but it's usually not much anymore. I used to keep I spreadsheet and loved to watch the percentages go down. I have tried and tried to get lower APR's - I have called and emailed, I get told "no we can't do that but you can try applying for another one of our cards" Got this both from Citi and Chase. I am not sure what I am doing wrong here. My credit scores for the past 10 years have ranged from 650-750 not that great but not horrible. Is it strange that I can get new cards but not increases or lower APR's? Capital One, Barclay and Walmart are the only cards I have gotten increases on since opening them. Zero on all other cards, since opened. I have had some of my balances lowered on me....

Sure, some will be estimates. Thank you for your input, it will be greatly appreciated. A couple years ago, I had quite a few paid off and most under 50% on my way to 1/3. My husband starting having health issues about 3 years ago and was not able to work full time, for the past year and a half he has not worked at all, we do not foresee him going back to work and have started a small business on ebay to help cover bills, unfortunately what we don't cover goes on a credit card. I don't really have any extra income to work with but am willing to put in what I can. I would really rather avoid bankruptcy if I can. GMCARD 2003 $350/$805 APR 29% AMEX CLEAR BLUE 2003/2004 $1900/$2800 APR 16% CHASE SLATE 2004/2005 $800/$1600 APR 29% CITI DIVIDEND 2004/2005 $800/$1620 APR 29% DELL 2004 $1800/$4000 APR 27% MERRICK 2005 $2300/$2800 APR 16%? NUMERICA CU $2300/$2800 APR 11% CAPITAL ONE QUICKSILVER 2012? $2200/$3700 APR 24% CITI SIMPILCITY 2013 $1200/$1500 APR 27%? BARCLAY 2013/2014 $2800/$3200 APR 27% WALMART 2013/2014 $800/$4500 APR 27% OTHER CARDS 0 BALANCES - KOHLS, TARGET, HOMEDEPOT, LANEBRYANT, DISCOUNT TIRE

I am trying to figure out the best way to get increases and or lower APR with following situation (maybe I just need to wait or maybe there's something else I can be doing). I have many CC's none with super outstanding limits. In the last 11 years I have barely had any credit limit increases. I do tend to carry high balances but even when I PIF'd some of the cards, still no increases. I have also tried calling on numerous cards to get interest rates lowered and all I am told is there is nothing they can do, but I can apply for another card. I don't want anymore cards! I have too many! My Walmart CC was just automatically upgraded to a MC and I was given a $1800 increase at activation (I should mention this is one of my least used cards I rarely shop at Walmart). This is now my highest limit. I recently got a few late payment on two credit cards (one which I swear I paid, it Chase and I have proof I logged in the day a payment was to be made, but nope no payment, the other was my fault I just spaced it and one for a student loan). These are the first "blemishes" on my credit in 11 years.....which makes me very disappointed with myself. What I would like to do is get some of my "better, lower interest" cards to have higher limits, balance transfer some of these other cards and close them. Or get a new card with a higher limit and do the same. I am drowning in credit card payments which I have only used to cover bills for the most part. Last time I tried to get a debt consolidation loan through my credit union I was denied....due to "too many high balances" ???? I have a sub-prime mortgage with the 1st balloon on the 80% interest only portion that with kick in starting in February and the other balloon due in full 5 years later. Maybe it's just time to file for bankruptcy............

Quick question - signed the validation as in handwritten, typed or any signature? The 3 that are reporting are from 2008. I have tried to get addresses deleted, only the one tied to these accounts and current. I have opted out. I have been following your guidebook, I just can't seem to get the results others get. Do I just start over? Thanks again, I am so lost on these.

I received a "validation" from Associated Credit Service on 3 accounts. They are listing 4 but 1 is not reporting on any CRA's. Exerpian is reporting a duplicate of each of these 3 accounts, reporting a total of 6 times. I have disputed many times and can not get them to delete. First - They sent an itemized list of services received such as what medicine was given and the cost, what supplies were used and the cost, and units of time and the cost. Is this a HIPPA violation? Should the collection agency be able to have this much detailed information and what someone went to the hospital for? Second - The charges are a running list and at the bottom it lists the total as 0.00. There is no notatation that it is the total, just looks like the example below in the bottom right corner of the page. For example 4241.60 -4241.60 0.00 0.00 To me it looks as if the had been paid. What do you think? Third - None of these "running totals" equal the statement that they sent with the itemed list for example one account shows: Last Charge Date Principal Due Interest Due Handling Fee Check Charge 8/19/08 2969.12 1708.34 0.00 0.00 But the corresponding itemed list for the same date 4241.60 (or 0.00 as in the above example) Any feedback would be greatly appreciated. Thank you, tattedbrat

I have been doing some extensive research, self education on these boards (thank you to all for sharing your knowledge!) I do have a few questions, since I have found some conflicting information. I have read that there is not debt for a debt over $1000 - True or False I have also read that if the OC is a hospital the is no usable SOL - True or False. Is there a SOL on medical accounts in the state of WA? Is there a limit on the interest that can be charged I have 3 accounts (4 according to the CA, one not reporting, now that the CA sent me partial validation, only an itemized list of charges), reporting on CRA's. The itemized list of charges is confusing as the total at the bottom of each page is the total charge minus itself and then shows 0.00. The total of this bills are approx $5000 with another $5000 shown in interest. The oldest account is from 2007 the other 3 are from 2008. Thank you in Advance,

Thanks for your feedback. No, it was not the nicest vehicle on the lot, I would describe them as middle of the road lot, not a dealer but they did not have any junkers or clunkers. I did have the put everything they agreed to in writing, the purge valve fix (which was fixed today when we took it to Honda to have it checked out, it was just plugged) and the full detail. They filled the tank before we left on Monday as the gas light was on when we test drove it. The lastest info is, we got 10.99% (i am ok with this) and they dropped it to $9800 and I still have to pay the additional $500 down, I didn't talk to them so I don't know if the $9800 is before or after the $1000 (I has planned on paying this anyway so it's not a huge deal, I just don't think I should have to since it was based on anything we did. I understand they are trying to get the most money out of it, (my dad is in the used car business, so I know a little about how they work), however they now know what a bank will finance it for and if I walk away they are still stuck at that price unless someone pays cash for it. We'll see what they say tomorrow I guess and I'll update with where we ended up.

They are a used car dealership. I couldn't find any reviews good or bad on them. I only found 3 BBB complaints for them in my city. According to them their documentation supports that they went out of the way to help "right the wrong" they were accused of amd seemed to have plenty of documentation to back it up. One complaint was resolved the other two were pursued no farther by the complaintant.

I would appreciate any feed back I can get. My signicant other and I co-signed on Monday for a 2003 Acura MDX ($10,980, we put $500 which they technically told us we did not have to pay for a week, but we did anyway) On Wednesday they called and said that the bank can not underwrite the loan due to higher mileage (153,000) and the price needs to be dropped by $1700 dollars. They want to drop it $1200 and have us pay another $500 down. We had already got them to come down $1000 (we tried for $2000), had them include fixing the maintenance light (purge valve they said), full detail and full tank of gas. The finance guy told us he would get us a 9.99% interest rate, but the paperwork we signed says 10.99% not a huge deal. He also told us that the GAP Insurance was required at the cost of $699, which on two separate documents, including the Gap Insurance from itself says it's elective and not required. I could almost understand paying more down if it were an issue with our credit, but it's not our fault that they overpriced the vehicle. I think this should be all on them. My $500 down is non-refundable but worst case scenario am willing to walk away if necessary. I love this car but don't want to get totally screwed. Please let me know what you think. If you need any further information please let me know. TIA, tattedbrat