Sillysoft

I am around 22k in credit card debt. I have never been late on my payments, but Im pretty much maxed out on all my cards. The bigger cards, I have 2 that are combined of 10k, keep raising their interest rate and dropping my limit to be as close to where my amount due is. One has is at 23%. I am able to make more than the minimum payment but Im still getting nowhere with regards to getting these balances down. I dont have a house or anything, just a big monthly truck payment to go along with my cc debt. I want to pay these cards off, its just Im not getting anywhere. I have exhausted my emergency fund and have a 0 balance in the bank and living pay check to pay check. Would a DMP be a good option for me?

3.21 where Im at in Arizona.

3.29 Arizona

Well GW is the best solution for this. Just have to keep trying, dont bombard them but try finding a person to send it to higher up the chain. It worked for my Cap1 GW letter. I was given information for a person higher up on the food chain and it worked. Maybe they need to see more history of good payments before doing it? It took a year after getting that late on Cap1 before I a GW letter was accepted.

Is that a Fico score drop you listed? Are you sure nothing else on your report changed? If not, you could have changed scorecards. The point drop was the True Credit score. I just pulled my experian FICO and it is currently at 656. However, I don't know what the drop was because I have not pulled actual FICO in a while... TC is FAKO scores, FICO is the scores you should believe. As far as I see it TC is good for monitoring progress and mainly getting B*. The good thing is a baddy fell, I'd take a clean report over lowered FICO scores because you can build your FICO score and not have to deal with CRA's and CA's.

Guess you wont have to worry about Exxon since they are selling off all their gas stations

Yes, but sometimes I get a lump of coal in my stockings

No changes with my Amex cards. Had them for over a year now and never had an issue. But I need to cancel my gold card, never use it but about to get charged an annual fee.

Congrats! Make sure you add it in the pulls database.

Tell me about it! I have a Chevron card with a 2k limit at 19%. I never thought I could max out a gas card, but I did. Luckily I ran into some extra dough and paid the thing off and put it in my sock draw, if I didnt have the extra cash come up I still most likely would be paying on it right now! I just use my debit card for normal fill ups and have a low interest CC for backup. Chevron is there as my last resort, however Chevron usually has the most expensive gas. It was $4.13 yesterday, the only other place that was higher was a Shell station at $4.15. Maybe I should get a vehicle that runs on diesel and fill it up with biodiesel, my friend owns a company that supplies biodiesel.

Just checked Experian this morning through the backdoor and Cap1 was removed from the negative and put back to the positive. So they did remove the 30 day late for me. I will wait another week and request the full reports from all 3 CRA to allow them all to update but it looks like they finally removed it! Thanks again tarbaby, and CB! Silly

Congrats! Mine still shows as 30 day late, so I guess they didnt do it. Oh well, I guess I will just have to sit tight for awhile and try again. I instructed my wife to make sure she gets a name and a phone number if this situation happens again. You win some, you lose some. At least someone here won some. Silly

My parents do that too. But everytime it starts getting full, my older brother goes in and steals it and hides it in his room. Otherwise, everyone would be raiding the jar all the time. Bro says he's saving it up so they can have a "honeymoon." How do you guys typically cash in coins? Roll them and deposit them at your bank or CU ? Do you even HAVE to roll them anymore? The last time I cashed in coins - I used the free Coinstars that give you full value on a Gift Card. Ideas ? My bank has a machine that you can dump your coins into and take the receipt to the teller to cash/deposit.

Yep, changed my driving habits too. I dont take the freeway,not required for my commute, stay within 40-45 MPH. Accelerate slowly, went from 14.7MPG to 15.7MPG after doing this, according to my MPG gauge.