Slice Stevens

Excellent information. Thank you for the response.

Thank you for the response. Do you think this will still drop sometime after April if I tell you Experian already removed my bankruptcy, but the late pays and July 2014 charge-off still remain?

Does anyone have some advice on how I should proceed with the following issue. I filed for Chapter 13 Bankruptcy in April of 2008. The plan was completed as scheduled. One creditor with multiple accounts continues to report incorrectly. When I filed bankruptcy none of my accounts were past due. The creditor flagged the accounts as IIB but also showed 30, 60, 90 & 120 days late in May, June, July & August 2008. Last July, knowing my bankruptcy record was due to drop off in April of this year, I disputed their late pay references. They removed the late pay references but updated the account as a charge off effective July 2014. My FICO dropped 50 points and it continues to be a negative factor in my score. This doesn't seem legal. Am I missing something? Thank you

The answer seems pretty straight forward assuming your information is accurate. Quantify the cost of 9 months of interest versus the increased borrowing cost which will occur if you pay them off and leave the negative history. I'm not convinced they will wipe the old trade-line clean. You will for sure start clean on a new trade-line.

Have you thought about getting a prepaid Visa in her name? You can fill it from direct deposit. It serves the purpose you concerned about and it guarantees your maximum loss is limited to the amount add to the pre-paid card.

Hello and thank you for your online presence. I have a question. Hopefully, it is in your area of expertise. Why do student loans get preferential treatment in bankruptcy plans? My loan was assigned to a 3rd party and every penny collected as part of my bankruptcy plan was applied to interest. How can the interest rate during bankruptcy be legally higher than the interest rate per-bankruptcy? I am happy to share my example if you think it would be helpful.

I've been paying GRC on and off for about 10 months now. I pay them when I can and ignore their calls when I don't have anything to pay. My account gets passed around in an effort to try different collection methods. I stick to my story and always end up with a reasonable response on the other end. My response: I intend to pay this balance 100%. My financial circumstances make this difficult at this time. I can give you $x on this date. I don't answer the phone if I don't have money to pay.

FYI - Rooms To Go doesn't let you pay sales tax with the in store financing. They require cash or another credit card.

It should show up on Experian the 1st of the month following the next monthly closing cycle. The other CRA's take a week or two longer.

I have limited experience with the hotel upgrades. I don't travel a lot. All of my HH points come from spending on the Amex. It has been nice not paying for a hotel room while on personal travel. At two Hampton Inns, all I received was free water. I stayed at the Disney Hilton a few weeks ago. They have express check-in, which was nice. The room upgrade is basically the same room on a higher floor with a so called view. With the room upgrade, I had access to the VIP lounge. The lounge offered breakfast in the morning, snacks during the day and drinks at night. It beat paying $20 for scrambled eggs from room service. Years ago when I traveled a lot I had Hilton Honors. I was not happy with the reward booking availablilty. This time around I have been able to find multiple hotels with reward stays available each time I have traveled. I am very pleased with the reward stay availability. I booked the Hilton Disney stay one week in advance. For a three night stay I payed $4.99, which was for the game my son accidently ordered on the television. room upgrades are avail on any property...except suite... right? and since i like to explore the nightlife entertainment when traveling... 11am checkouts has always been a pet peeve. slice...if you could give some examples of the difference you seen in perks with low star vs higher star properties...thanks. this is my first tier upgrade for any program/ card i ever had.... and all the thanks to CB!

I Have Hilton Honors Gold VIP via Amex. I have booked three reward stays and I am pleased with my experience. The Gold status (from a perk perspective) doesn't really mean much unless you are staying at a four or five star property. Hilton Honors does have a Disney reward. It seemed a little expensive.

I was in my account at usaa.com about an hour ago. I just went back to login and it kept denying me entry. I tried three times and it came back with a security warning. Their automated customer service disconnected my call due to "unforeseen circumstances." Is anyone else having trouble?

Wait a minute....the court clerk told you that Equifax sends an actual person to every courthouse to verify judgment information? I don't buy this for a minute. There are thousands of courthouses in this country and to send a person to each one every day would cost each CRA $20 million dollars a year. I bet their annual revenue is barely more than $20 million. Not a chance in hell they do this. That woman you spoke to was full of crap. Equifax had 1.55 billion in revenue last year.

Yep it's standard issue. File your return and include the 25% penalty and interest. Tax Act should allow you to calculate the penalty and interest if not, pay the penalty and let them bill you for the interest. I deal with hundreds of these notices every year at the corporate level. It will not hit your credit report unless you fail to respond to the notice within 30 days and even then you have time to file after the assess you based on their own calculations. OMG, i was so scared!! i feel alot better now.. so i can go to taxact and re file with them? yes - you will probobly not be able to file electronically, so print and sign the return and send it with the letter to the address on the letter (Not the address Tax Act provides unless of course they are the same)

Yep it's standard issue. File your return and include the 25% penalty and interest. Tax Act should allow you to calculate the penalty and interest if not, pay the penalty and let them bill you for the interest. I deal with hundreds of these notices every year at the corporate level. It will not hit your credit report unless you fail to respond to the notice within 30 days and even then you have time to file after the assess you based on their own calculations.