Momof5

I still bank with USAA, but I fired them for auto insurance last year after they doubled our rates 2 yrs in a row with no accidents, claims, or tickets. USAA's CEO is no longer a veteran, so the dipwad runs it like a civilian institution. This is why you now see USAA sponsored ATMs and advertisements. Previously, USAA kept rates low by NOT advertising or having ATMs. They dumped Florida for homeowners/renters insurance years ago and now they are charging obscene auto rates in FL. They simply no longer want our business. 😡

I used the EO email for CapOne this past month. I had 1 late on 2 of my C1 accounts back in 2019. I was not contacted by them at all. (I've read that people received phone calls...) Anyway, I got notice of a score increase. Checked and both accts now reflect 0 lates on both EQ and TU.... just waiting for EX to update. My only late on TU is Ally and that is 18 months old. I was dumb and co-signed on a car loan for my son. Hopefully, you will post your results with Ally if you make the request. For EQ and EX, Target shows lates in 12/2019, 01/2020. Unfortunately, TD Bank has never been the forgiving type. 😒

Vantage scores are as useful as Credit Karma. FICO is what is used and that is all you should concern yourself with. With a recent change on my credit report, CK docked me 16 pts but FICO increased by 12. CK is in the upper 600s by my FICOs are all in the 700s.

Over on the myfico forum, I have seen folks still having success with it but they didn't mention Ally specifically and the lates were back in 2019. It can't hurt to try. The worst thing they can do is say no and you are in the same place. You only have something to gain through trying.

You have been scammed by the marketing of Consumer Credit Counseling. CCC was created by creditors to get their $ from consumers at risk of defaulting. CCC markets themselves as "consolidating" your debt, reducing interest rates, and helping you get debt free in X # of years. What they DON'T tell you is the reality of what they are doing. You are NOT getting a consolidation loan. They "consolidate" by establishing a single payment source which is CCC and they distribute the money to the individual debts. To get cooperation from the debt holders, they default on your debts first. Once the creditors see that you are in default, they are willing to negotiate a lower payoff balance and/or a lower interest rate. Your credit is successfully ruined for years and yet, the creditor is still getting *some* of what they are owed AND hold the power to take further action should you default on or cancel your CCC agreement. CCC is bankruptcy without the legal protection. All of the debts in your agreement will show lates until it is paid off and then it will show closed/legally paid for less than full amount with all those lates/chargeoffs hanging around for 7 yrs from the FDOD. Depending upon your circumstances, it may have been better to have filed BK7 or 13.

Watching with you Marvbear! I have 2 accts with 30 days that the lates age off Feb 24. We'll see.....

Amex BCE, $10K SL

Nothing has the capacity and speed of mainframes. In fact, most financial institutions and cell phone and gaming companies use mainframes.

Dormancy and Revival: Long-Term Judgment Collection in Ohio - Frost Brown Todd | Full-Service Law Firm looks like they had to revive it WITHIN the 10 years. Older than that, they are OOL. I would fight this.

In 1980 I had a Citi Acct in NYC. I deposited my FEDERAL USAF monthly scholarship check of $100. One week later I tried to w/d $20 from the ATM and the screen said I didn’t have enough in the Acct! Next day, went inside the branch to find out WTF was going on. Was told that there was a 30 day hold since it was an OOS check! F* that! Demanded my $ and immediately closed the Acct.

Good to know. I applied to increase my CL from $10k to $20k. Checked this AM and my limit is $16k! 😁

Whychat (or anyone else), DD's DH had a car repo'ed in 2013. On the bureau it is not listed as a repo, but as a charge-off. Original loan amount was $16,000. He made 6 payments before defaulting. He was out at sea (USN) and believed he had set up his payments to be automated (obviously, they weren't). As soon as he returned, the vehicle was repo'ed. State is California. He did not receive notice of repo sale or right of redemption. They sold the vehicle at auction leaving a deficiency balance of $11,365 (! What? Did they give the car away?) The finance company is Exeter Finance Corp. The repo was in May 2013 and I see from Whychat's site that one needs to wait until 2 years have elapsed if one is not sure that the notice of deficiency wasn't received. (Her DH said "I don't think so"...) In the meantime, I want to set the ducks in a row to get this kicked off as soon as the 2 years have elapsed. There is no CA associated with the deficiency. Does the carfax list the sale date and amount? Is that why you pull it? I haven't done this one before, so I am open to any and all suggestions.

LC requires at least a 680