spacecadet12364

Silly question probably, but what is the difference between the annual free report you can get directly from the CRA's online, and paying to have them send you one? Shouldn't they both have the same information/carry the same weight? If they don't, and the online one is useless, then what is the point of them "giving" you a free one once every 12 months?

This might be a silly question....but would this case be of any help/leverage to someone having their own issues with Citibank? If so, what would be the most effective way to wield it?

Question..... If you were uneducated enough to settle out an account that was charged off with a place such as LVNV.......who has the reporting listed as a factoring account........and now, a year or so later, having become enlightened by the educated and experienced good people of CB.... Is there anything that can be done, since we settled out with the JDB? From what I've learned here, we probably overpaid since by KY statute they were only entitled to what they paid for the bad debt, nothing more. It'd be nice to be able to get some of that overage back....but more interested in being able to get the JDB TL off the credit reports. Can you ITS them in a situation such as this, or is it more of a scare them into getting the TL's deleted off the reports? Or, since settled' already, just dispute it with the CRA's and see what happens. Thanks guys!

Since my father was FORCED into the army and was shot in vietnam I think our family has earned the right to join a credit union, my father for sure if he chose to, since nfcu allows family members to join as well I will take advantage of what they may have to offer. I personally would never join the military on my own or if I were forced and definitely not to join a bank Well, if your father is eligible to join, and he chooses to do so, then by all means at that point you could join being a family member. However, if your father chooses NOT to join, then just because you are his family member should (and I think does) not mean that you can join on your own. The directly eligible person, I do believe (hope its the case anyways), has to be a member before their extended family is eligible to join.

Eligibility Checklist Navy Federal's field of membership is determined by the National Credit Union Administration. If you are in any of these categories, you are eligible to join: * All Department of Defense (DoD) uniformed personnel—Army, Marine Corps, Navy and Air Force, retirees and annuitants * All Department of Defense Reservists—Army, Marine Corps, Navy and Air Force retirees and annuitants * All Army and Air National Guard Personnel—civilian employees, retirees and annuitants * All DoD Officer Candidate programs: Midshipmen and cadets at the United States Naval Academy, United States Military Academy, United States Air Force Academy, United States Coast Guard Academy and the United States Merchant Marine Academy; Other Officer Programs * U.S. Government employees assigned to DoD installations (including Coast Guard) * All DoD civilian employees - including retirees and annuitants * DoD contractors assigned to U.S. Government installations * Family Members, including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members Once your family members have joined, they can extend the membership opportunity to their family members, too.

Didnt say everyone is using thinly stretched connections...... Just seems like there have been a plethora of different threads about "how do I join NFCU" around here on CB lately. Easiest way to join a credit union, that has or at least used to have particular eligibility requirements is to actually be eligible to join yourself. That way, no worries. You are in. Easy-peasy, lemon squeezy. And, it does seem that since NFCU has semi-recently relaxed their eligibility guidelines/widened their eligibility pool.......coincidentally around the same time they started making some drastic changes on the rates/types of rates they charge and the method they use to determine how much to charge. Rather than sticking with the fixed rates that worked very well for a very long time. Coincidence??

Whats with all the convoluting extremely thinly stretched scenarios to try and join NFCU? Why don't y'all just do it the easy way.........JOIN THE FREAKING NAVY!!!! Then, you can join NFCU! Really easy....you go into the branch office and show them your military ID card. Its the stuff like this....where they have apparently opened up membership to anyone and their uncles cousins nephews sister, twice removed..... is why long term members who actually WERE in the United States Navy are starting to get hosed over on interest rates and such. Since it seems like anyone can join now, well then I guess they figure that they should start acting like all the other banks out there instead of the quality member-driven credit union they used to be.

But, it would jump with the deletion..........a settling out, and a zero balance would not jump it at all, would it? Or, if it would I imagine the jump would be minimal.....better to clean and lose some age (20+ years) for a known jump up of some amount, than to get little to no jumpage because it's still a negative (albeit not as bad as one that is still hanging like a chad).

Oh, its an old TL, but fairly recent issue so is well within SOL. I know the odds of getting a delete are slim.....but, you never know what can happen until you try asking. Just wasnt sure if the age of the account would be enough of a plus to overcome the negativity part of recent events.

With a fairly long-lived TL, in a settlement scenario.....which of the following would be preferable to aim for, assuming that the OC would agree? Settlement in full, zero balance reflected, and no selling of the difference between debt & settlement amount are all givens that one should strive for. IF those can be agreed to, would it be better to try for a delete as well.......or, with it being the oldest TL would it be better to leave it on the report? Does the age of a TL positively impact one's credit score (even if it has a negative connotation such as "settled in full" or "settled as agreed") more by staying on the report or even though it is old the negative connotation would be better to try and get it deleted? I know, figure the odds.....but, this question came to mind and I thought this might be the best place to ask it. Thanks in advance for your advice!

Its already screwing me..........

Just noticed that Navy Federal has apparently decided that they were missing out on something....and they changed their CC accounts to being an adjusted APR. When doing that, they also decided to base what rate they were changing people to on their credit history. Its almost as if they are WANTING people to default..... So, they rate jacked me from the 9.9% I have had forever.....been a member over 25 years.......to 16.9%! Oh, I can try to opt out, and stay at the 9.9.....but that would close the account. Which would screw up our credit even worse, yes? Thats a $15k TL.......long lived too. Granted, yes, I know that those other CC issuers have done far worse than 16.9........but I'd love to talk with the morons in charge that felt the necessity to change this at all......from a set APR to adjustable. When we were going through our financial issues, NFCU was one of a couple places we made sure that we kept current......Fat lot of good that did us. ...........the reports we got recently show a 613 for him, 638 for me, some cleaning to be done yet. I'd ask for suggestions on what to do, but I would imagine its pretty much up that nasty creek without benefit of a paddle, huh? B-O-H-I-C-A..............

Even though there are some that will do that......are they SUPPOSED to be doing that, or is that some form of violation? (to report it as a CO each month)

Interesting thing though, only one of the three CRA's show both terms being used. The other two only use CO.

Well, if a CO is reporting as both a CO AND being Written off........ Couldn't that be used to clear up issues with that OC? If they charged off a debt, and also are reporting that they wrote it off (the ENTIRE amount that was charged off), would that not mean that you could use that argument that they have documented with the CRA that they have (by definition) forgiven that amount? Might be stretching it a tad, but hey if it will work, I am game.