duskejewl

Jaymes - parents and husband have all passed i have 2 kids a and they don have aged accounts i wouldnt even know how to ask someone that really my accounts i try and keep at a no to low balance some times i don't pay off everything and i get a alert on my credit report that says "Your FIRST PREMIER account balance has increased by 100% from $7 to $14" DING!!! its stupid but the computer that does the reports doesn't go "oh its a 7 dollar increase" instead processes as i am using lots of credit with a 100% increase sometimes i get ones like this "Your FIRST PREMIER account balance has increased by 185% from $20 to $57" its insane and so my score bounces up and down about 5 or 6 points monthly i cant get rid of the cards i cant apply for and get normal cards its a catch 22 i'm just stuck i have been dragging this auto loan out it will be 6 years in september I dont know what to do ... just bite the bullet get a crap loan rate for a couple of years till i can refi without the prepayment penalty hopefully then with a mortgage on my credit my score will go up

I tried a goodwill letter to all 3 cards i was denied Hegemony - i didn't mean to put sue i ment use "I may use them" Repairerer - I am going to try that thanks for that info

i had made a payment with my card crap one and forgot about it and since i didn't remember using it for anything i thought i don't have a balance so i dint pay the bill thats how i got that late in 2008 the other two cards (first preimer bank) have a balance there fees every month weither i use them or not thats how i got thoes two lates i would cancel them but that wouldn't help my credit... so i dont

i have no balance on my cards ... i may sue them if i don't happen to have my debit card with but they are paid off before the billing cycle ends i don't carry a balance on them and the average age of the cards is 3 years my student loan was 8 years my auto loan is 5 years

It has been months now and my credit score does nothing... my credit is clean i have no collections the one had (an over payment by my previous employer the federal government) i paid off and they deleted it months ago i made the mistake of paying off my student loan and my score dropped 27 points (i didnt see that coming) i was going to pay off my car loan but i dare not... i have 3 current credit cards they are only 2-3 years old i always thought it better to pay cash so i never acquried credit cards like most folks and the only lates on them were from 08 on crap one and 09 on the other two tried to get the lates removed/changed but i was denied all the way around my loans have NO lates my credit score is in the mid 600's (657 660 640) thats from each individual agency Transunion Equifax and Experian My Fico from myFico using the link here is 620 Transunion and 624 Equifax Now when they ran my credit for my mortgage loan it was 604 (i figured since my rent is being increased 40% in July i should take the 175k saved and get a house) i dont know what else to do to get my score up i think i've tried everything its very frustrating any ideas

All my accounts are with credit unions i don't want my credit run because it brings the score down if everyone is running my credit to give me credit it doesn't look good i'm told it looks like i'm desperate for money/credit... plus i run the risk of them running it and saying no or heres $350.00 on our visa... i could just as eaisly go in and asked for a secured loan for like 50grand against one of my money markets but apparently a secured loan and or a secured credit card are not the same when it comes to my scores i am so lost... plus my score dropped 30 points when my student loan finaly reported 3/10/10 that i had no balance and paid it off .. i thought for sure it would go up

bump

OKAY so hope i can answer all your questions Credit cards have a zero balance i have 3 of them Average age of accounts is 7 years Oldest account is from 1992 Jc Penny card no balance on it student loan paid off 1/2/10 no lates EVER personal loan paid off 1/2/10 no lates EVER auto loan still paying no lates EVER if i use my cards for something i pay it with in a week because what i have learned from carrying a balance is if i have 750 on one card and i charge 160 on it and it gets reported then my scores drop because i went from no balance to a balance as for just getting pre approved i have tried but they tell me i need my scores to go up to get an FHA loan (apparently the easiest one to get) you need a 640 i have been told "well we would tell you to pay down your cards but you don't have a balance and pay off any other loans but you don't really have that issue we could get rid of lates but again not an issue for you" .... so now i wait... for my score to magicly go up i don't want to go somewhere else and have my credit run AGAIN so i thought i see if anyone has any sugestions to get my score up

So my credit is clean been that way for a couple of months i was thinking my scores would go up but not really.. i have no balances on my credit cards i have no late pays the last one i have was from 3 years ago i have 3 loans 1 student, one personal and one auto 2 i just paid off 1/2/10 no lates on any of them i only have my auto loan now all the credit score simulators say if i get a new loan or a new credit card my score will go down so how do i get it to go up? the following are my fako and fico scores 564TU 606EX 640EQ 629CK 628 Fico any advice on how to get them up? i want to get a house i have enough money saved to put 50% down even though i don't have to as a first time home buyer i welcome any and all advice

Okay here is an update Medical baddie number one (that was paid in full 4/15/09 by the insurance company) was completely removed from my credit report Medical baddie number two (was paid by the insurance company 4/15/09 except for 900 bucks) after speaking with the collection agency when the hospital transfered me there they started calling me on my cell. They also sent me a basic dunning letter. I answered the phone the first time not knowing who it was spoke with Ralph who was handling my case. I was polite he was polite he said he was sending me a bill so that I can see this was mine etc. I said gee thanks I'll get back to you I’m at work. He began to call every couple of days. I just ignored the calls I received the dunning letter from them in response to my conversation with them I told you about originally. I also sent via whychats hippa process a letter to Experian. Just got a response from Experian this week account verified and nothings changed or updated I also received the copies of the bill from the hospital showing that theses were paid off in April of 09 and the date of service was 1/2/03 not 11/1/06 like they are reporting on my report So here is where I was at the beginning of the week. I was trying to put together a letter with a copy of the bill the collection agency sent me 3/09 with the date of service clearly printed on it and a copy of the bill and letter from the hospital showing and saying that this was paid 4/09. I wanted to send this off to Experian to get this removed it is the only thing between me and my mortgage going through at this point So I went to my sons best friend father he is a Collection Agent. I needed Quick results and he is one of them. I wanted some advice on this letter I wrote he knows the laws backwards and forwards. I just wanted this off my report and I would deal with Sequoia (that’s the collection agency) latter After looking at my letters over the last couple of years to theses guys and all the disputes I have done with Experian that have come back verified he picked up the phone and called Ralph @ Sequoia I wish I had taped the conversation I wish I could share the horror and fear the stuttering that I heard from Ralphs voice (he was on speaker). Joel (my sons friend dad) informed them of all of my rights they were violating. He then told them they need to have this removed from my credit report like yesterday. He asked Ralph to speak to his supervisor “Why†said Ralph well Joel said because he wanted to know what they were going to do to correct the wrongs that were done to me being denied credit because of this a blatant wrong DOLA and a high balance that had been paid off a year ago the fact that they verified 3 times so far with Experian not to mention the fact that my auto loan went from 6% to 18% when I re financed to move in June! We were quickly transferred to the supervisor . The supervisor put us on hold to review the notes on the account. Joel informed them of the basic fines if we took them to court of having the wrong DOLA (apparently they put the date they received it for collections as my DOLA). They apologized and apologized some more. Joel told them there apologies mean nothing at this point said we were going to have to think on what our next actions would be he asked for the number to there attorney because he told the supervisor “I already know you have no authority to settle this matter†“Who are you†he was asked “I†he said “am a collection agent for the agency of XY and Z†(I cant remember what the name of his company he works for is) “Oh†was all he said before getting up the number. We hung up the phone. I have never seen and or heard a collection agency scramble like that. It was great the attorney called me the following business day first thing but I didn’t answer as I was told not to speak with them just let them sweat it out a few days On Monday we are going to call them back and hopefully I will have a big fat check coming lol Joel said an agency his friend worked for made this same mistake with a woman she was trying to re finance her home and couldn’t it was the same thing like me a re aged account that had been paid by insurance but never updated on her report or removed after it was sol always verified she got an attorney and sued they had to pay her $300,000. The city of LA or maybe it was the State of California took away this man who owned the company’s right to work as a collection agent or run or have a collection agency business here they also had to remove everything they had placed on peoples credit that he said happened a couple of years ago Apparently just for placing the wrong DOLA and verifying it here in California it is a minimum $1,000. A month for every month since the wrong was done that is $39,000. With just that alone Now they will pay The sad thing is I would of paid the $900. In April of last year but in May they were still demanding $27,000. And in their letter to me this year they were still demanding $27,000. (Oh and on the phone they said they knew it was paid off) I think I finally see a light at the end of the tunnel I will let you know what happens on monday

So i got an email from Ballys Total Fitness "come back to the gym" 99 dollars for one year just call ... so i went and dug out my old gym card and i called in and paid I had been looking into finding a new gym anyway ( i havent been a member of Ballys since 1992) when i called today 4 days later to see if i could go to the gym down the street from where i live now they told me i wasn't a member i said "well i already paid" they looked and said "yep we got that payment" but they continued "at the time of seperation from Bally's you owed us 150 so we put that money you paid toward that balance" i thought my membership was over and i didnt know i owed money at least that i can remember Sooooooo Questions Can they slap this on my credit now? did i Just start a 7year time with them by paying if i pay the rest off can they put it on my credit as paid i full but late this sucks i cant join the gym all i can do is pay them i guess all the other gyms around my house are like a hundred bucks a month

Quick question I have a medical collection that the SOL has passed. Do you recomend I go at this with the OC with HIPAA or should I go directly to the CA on the basis of being past the SOL? (I have copies of the original bill)

cotterpin: i have no idea why they paid all of the 25k except for $917 deductible is/was $250 bonbonXO: yes they are both are from 1/2/03 one is the actual surgery the other had something to do with the hour or two she spent in recovery I have Opted out a little over a year ago last year i got almost all my old addresses removed from my credit reports i have the one im in now the one i just moved from this summer and my address that i lived at for 7 years before that i am sent out the letter today i will let you know when i get a response

Whats with the high intrest rates on a secured card? They already have your money!