tatersalad

...and she is still waiting to get her own report!

One day I will be there

Congrats so far! and I hear ya...me too! Would LOVE some old AU accounts, just two would help me. We should start a club... "Not Bob's friends yet Club" ;D Sounds great to me!!

Congrats so far! and I hear ya...me too! Would LOVE some old AU accounts, just two would help me.

Should I send a reply to the CA? Not sure what to do.

He has a lot of articles and research he has done regarding student loans and private loans on his website. What I found very interesting and helpful when I looked at it over the weekend was all of cases he reviewed and most of those cases had a great resolution and were discharged. He mentions the Brunner test in the articles I read.

Thank you. I'm sure they will tell me to borrow from friends, family, 401k...all of which are not possible. I've been down this road that's why they are charged off. SM doesn't work with you. I'm not one of those people with $40 or $50k sitting in the bank to settle.

Thank you for the reply. There is no hope as I only make enough to keep a roof over my head and very little for groceries.

Thank you for the replay and yes, I am aware of that That is why I am asking what can I possibly do? I have read on here that you should NEVER DV a student loan, that would make them sue faster. They can and will verify. This is what I read from LynnInMN.

Thank you for the reply What do I do now? I'm hoping more people see this and can chime in.

I have a few SM Private loans, original loan amount was $30k but now is around $65k. I had a bunch of health issues since 2008 and I had to file BK in 2012. This is the second CA I'm receiving for these loans. I received their letters in the mail recently and I'm getting phone calls at home and so is a family member at their home, once and sometimes twice recently. I am broke and still recovering from BK. Questions....What can I do? Does MRSBPO sue right away? Default date was June 2009. What is the SOL in VA? One place I saw 5 years and another 6 years?

I'm glad to see some agree with freezing. My CR's are frozen and I was given a smack on the hand a few months back when I mentioned that on here

That was my next step, so it's good to hear that it's not just him. We'll give them a call next week and see what they can do for us. Thanks for your experience. Did your brother call them? Was he able to open a checking account? I want to open one, maybe I can qualify for a savings account right now. I don't have anything bad on my Chex, but the CR's have my recent BK of April 2012. He did. They ended up telling him that he didn't ever request the checking account and told him to add it online via Alliant's add account feature. 5 minutes later, his checking account was opened. Whatever. Thank you for the reply! I submitted online for the savings and it said it was under review and someone will email me within 2 days...something like that.

That was my next step, so it's good to hear that it's not just him. We'll give them a call next week and see what they can do for us. Thanks for your experience. Did your brother call them? Was he able to open a checking account? I want to open one, maybe I can qualify for a savings account right now. I don't have anything bad on my Chex, but the CR's have my recent BK of April 2012.

by "Angel", do you mean a friend or family with a high score to add me as a user? How would they get me two accounts with no hard inq's with macys / bloomies? Sorry, I am confused I added someone to my Macys card. All they wanted was name and address. I don't even think they asked for social. Did the same thing on my BOA card and it was easy. Both can be done online within 5 minutes and it DID help the person out. Significant score increase and large positive/old tradelines. Thank you for the reply! I don't have anyone that will do that for me. Prior to my BK file they said they would but when I asked again I was told it wouldn't help my score, which I know it would. So, I have no one that will help me Why don't you try SDFCU or DCU for a secured card? I can't speak personally for DCU but many others have had positive experiences with them. I went for SDFCU. They did not do a HP for opening the account....just some verification questions. I used a debit card to deposit the initial opening savings amount, which is $100. Then I deposited more money and got their secured card with no credit check. They report to all 3 CRAs, they don't report as secured, there is no AF and the APR is 6.99%. The minimum is $250 or $300, but if you can swing more do that to get a higher CL. At least you won't be dealing with the sub-prime FP that is trying to eat you alive. Thank you! What does SDFCU & DCU stand for? I'm sure its "credit union" just not sure of the names Thank you!