dredee0

I have an account with a credit union in Virginia. My bank account was negative. JFCU gave 9/26/24 as the deadline to pay, which I paid via phone. However, because the payment was misapplied, JFCU reported the account in error between 9/30-10/2/24. I disputed with Experian in October. After its internal investigation from complaining to NCUA, it concluded on 11/1/24, as JFCU agreed to remove the entry from ALL credit bureaus. However, despite my 12/9/24 dispute with Equifax AND multiple disputes with Experian in October and November, the information remains. Not only does it remain on my credit, I am unsure how EQ and EX validated the account, despite the documentation. My prize is now the balance was updated to $0, but it still caused my credit score to drop when I purchased my car 11/9. I even had my attorney write a letter, which was also ignored, as the information remains. 12/13/24 I submitted a CPFB complaint. It came back from EQ as valid (despite the loads of documentation). Even after speaking with a live agent, my recourse seems to be to sue. I'm working to find an attorney in GA to help. I know I can get $1000 for EACH FCRA violation PLUS financial and emotional damages. Anyone ever sued the bureaus AND the original creditor?

I applied to join. Was approved 2/7/23. They want all this EXTRA verification stuff. Customer service has been lacking so far, to sya the least.

Yes, unfortunately. I spent four years or so stuck AND the degree would no longer count for my certification.

So glad this worked out. Thanks for sharing. These less traditional situations are far more common and complicated because there are lots of things to consider.

Definitely find another lender. If your credit is as solid as you say, its just finding the lender to make it work. I switched jobs the day AFTER my lender FOUND ME! I knew the job change was coming. Same field. Educator. Just had to get paperwork the underwriter could process easily. I had no clue of the timing. Remember, the rules are the same, but lenders are free to add on THEIR individual extras.

Quick update. Officially closed. Student loans were used as an excuse!! We IN HERE!!!

Smart. How old are the debts? Are they reporting on EWS already?

Yes

Thanks. I wish I had known that two years ago lol, but its amazing that I got my first $2000, then $5k, now a $7k. Will transfer a few balances and close Merrick. Could also do both Capital Ones. I'm looking for one card to exceed both, as I have two from Capital One and Credit One.

Credit One got me with annual fees. I paid them off, but missed that payment. I was only late ONCE, but it didnt get to 30 days. Hope the best for you. Now, I'm going to check into upgrading both or combining both.

How often do you upgrade your accounts? I find that every year or two, I need to look so I dont have bad terms with high limits. Those cards I just keep as dummy accounts that make my numbers look great, but I dont really use. Better to have it than not need it, than need it and cant have it OR get it.

Discover is interesting. I like their service, their products, but I hate their secured card. Why? I had it for over FIVE years secured. I then *Admin and our Terms of Service prohibit profanity*ed and complained (lack of better terms), so my card was unsecured. However, i could only go from $200 secure to $350 unsecured. Frustrated with credit limit requests that went NO WHERE, I closed the account. Two days later, I reapplied for the same card with better terms. Got INSTANT approved for $7000!!! 0% interest for first fifteen months too!!!! Look. I've been here since 2004, but I never knew what I know now, so I've got way WAY better tradelines. I refuse to get indebted the size of my annual income in credit cards. Keep going!!!

UPDATE!! I close 9/9/22!!! Mortgage FICOs were 653, 641, 640 if I remember correctly. Rates are UP, but I still got 5/497. I'll look at refi because $122.360 onths is $44k.

This one is dead too. Discover: 866-222-0536 (EO)

Just used the 7866 number. Just remember that the application specialist is NOT the same as the Account Specialist. The account specialist wasnt able to get on the line OR they played the same game here. Just CSRs, not folks who can actually do anything.