Jump to content

  1. Intro & News

    1. Please Read Before Posting - NEWBIES START HERE

      Stickies, Announcements, Newbie Guides, Basic Introductions, Posting Tips
      THESE FORUMS ARE READ-ONLY.

      2.5k
      posts
    2. CB gets Press!

      We're mentioned in the news-

      67
      posts
    3. CreditBoards Success Stories

      Share your success stories ! **read only** New threads must be added by admin

      1.7k
      posts
    4. Newbies Section   (354,680 visits to this link)

      Beginners info and frequently requested topics

  2. Creditboards Main Forums

    1. Credit Forum

      Credit Reports, Collections, Credit Cards and related discussion

      3.6m
      posts
    2. Medical Billing & Medical Collections

      NOT PAY FOR DELETE! Why Chat's HIPAA dispute method. May require repayment.

      73.7k
      posts
    3. Bankruptcy

      Bankruptcy discussion

      124.6k
      posts
    4. Foreclosures/Loan Modifications

      You're trying to get a modification, or you're being foreclosed?
      While every lender, foreclosure and modification situation is different, this is a place to discuss and share your experiences.

      10.2k
      posts
    5. Chexsystems Help

      Discussion and help for consumers who have trouble getting a bank account.

      9.4k
      posts
    6. Debt Consolidation, Counseling and Management

      You're in debt and don't think you'll ever get out, maybe got some late payments, but are trying to work something out so you don't completely trash your credit. Discussion of Debt Management Programs, debt consolidation, settlement and consumer credit counseling programs.

      3.8k
      posts
    7. Military Credit

      For the credit issues that are unique to our military members

      1.8k
      posts
    8. Canadian Credit

      THIS FORUM IS READ ONLY. 
      The unique challenges for our neighbors to the north.

      886
      posts
  3. Financing

    1. Mortgages

      Discussion of mortgages, buying and selling a home, real estate investing

      242.4k
      posts
    2. Automotive Financing

      Discussion of Automotive Financing

      111.9k
      posts
    3. Student Loans

      Student loan resources and discussion

      38.7k
      posts
    4. Business Credit

      Information on establishing business credit and creating a business credit score.

      181.6k
      posts
  4. Money Management

    1. Money Management

      Discussion and tips on sound money management.

      54.8k
      posts
  5. Special Topics

    1. VISA MC policies

      THIS FORUM IS NOW READ ONLY. 

      Complaints, discussions and rants regarding perceived merchant violations of CCC policy

      23.8k
      posts
  6. Resources

    1. Laws Laws Laws

      FCRA, FDCPA and other credit-related laws

      1.2k
      posts
    2. Where can I Find?

      Contact Info, Search sites, lists, locators, etc

      722
      posts
    3. 629
      posts
    4. 1.2k
      posts
    5. Debt Collector Hall of Shame

      Collectors Caught in the Act

      367
      posts
    6. 966
      posts
    7. CreditPulls Database   (567,183 visits to this link)

      Want to know which CRA a creditor will pull? Check here! Don't forget to add your experiences as well!

    8. Databases and Reference

      Reference Materials, contact information, CRA usage info, Misc Information

      339
      posts
    9. Sample Letters

      Examples for you to use and modify. Read-Only Forum.

      267
      posts
  7. Misc.

    1. General Discussion

      Non-credit related discussions of general topics

      1m
      posts



  • Our picks

    • I thought that I would do a pre qual with GS Marcus for a personal loan for kicks. I have a GM Mastercard and GM business MC with them that I just got within the last 2 months. CLs are $13k and $5.5K, with $0 balances respectively. I wouldn't have accepted it even if I got approved. Interesting to know that these decisions are based on more than just credit score.
       
      • 13 replies
    • My car was totaled in a minor collision and it was my only means of transportation. Now I'm really nervous about being able to finance a new vehicle with my current credit scores. Here is where I am at:
       
      - The car had one missed payment at the end and I was a cosigner on it. My insurance paid off the $840 dollars remaining on it, but it is still showing on my reports as a charge off with a balance of $840.
      - I also have a collection for $2800 with CAP1 that was settled last month for $1,100 and is being paid in three payments.
      - I have two other collections, both for an old apartment. One is for $2,900 and one for $750. These two hit the 7 year mark in July of this year.
      - My TU score on CK is at 561, EQ is 628.
      - My EX FICO 8 score shows as 686. This score doesn't show the charge off for the car or any collections.
      - After the car was totaled I have about $5k for a down payment and could probably push it to $6K if needed.
       
      I know this is far from the best place to be for purchasing a vehicle, but am I in a really tough spot, or am I overthinking it? I'm not expecting a great interest rate or anything, but I am nervous about actually being approved for anything. 
      • 68 replies
    • Jen’s Index
       
      First of all, the idea for this post totally came from Sassy (thank you!) and her post here: http://creditboards.com/forums/index.php?showtopic=14797
       
      Since her post 2003, there has been a lot of great conversation and changes, so I thought I would update it with my own spin and my own links. Use whichever works best for you But, I also used a few links that are in her index. The classics never die.
       
      Nothing I could say here could totally cover every credit repair topic or situation out there. In fact, I’m not trying to. The purpose of this write-up is to provide an outline for beginners on where to go to gain the knowledge they will need for their credit repair journey. A "where do I start" primer.
       
      If you are simply looking for a place to get a sample letter to copy/paste (c/p) and send off, then close this thread now, this isn’t it. The most effective letters are ones you write yourself, tailored to your own situation, and written knowing why you wrote what you wrote.
       
       
      Here is a good read about the type of consumer CB can turn you into:
      http://creditboards.com/forums/index.php?s...=263781&hl=
       
      I will only link CB threads in this index (outside the FDCPA/FCRA /govt links). I have found invaluable information also off CB, but to keep things simple, CB is the only place I will reference in this thread. On my own site, I have been working to expand this index to other sites, giving credit where credit is due.
       
      Lastly, there are so many awesome threads that I had book marked (computer crash) and no longer have, or I have missed over the years. If yours is one of those that deserved a mention here, but due to my oversight was missed, you have my deepest apologies.
      • 85 replies
    • So after a extensive search on CB & Google, the below credit card sites are the only ones I could find that pull 'soft' inquiries to see if you qualify for their cards.
       
      note: deleted original links - they're dead. please use the links below.
       
       
      Courtesy of foeplay - update as of Sept 7 2010:
       
      Pre-approval links
      HSBC pre-qualifier (must bank with HSBC): https://www.hsbcapply.com/start/hsbccreditcard/
      HSBC/Household pre-qualifier: https://www.hsbcapply.com/start/householdbank
      HSBC/Orchard's pre-qualifier: https://www.hsbcapply.com/start/orchardbank
      HSBC/BestBuy's pre-qualifier: https://www.hsbcapply.com/start/rewardzonemastercard
      Capital One's pre-qualifier: https://cardfinder.capitalone.com/CapOne/fi...3ZZZZZZZZZZZZZZ
      Discover's pre-qualifier: https://www.discovercard.com/cardmembersvcs...ORE_pre_chk_btn
       
      Database checkers (not a pre-qualifier; checks to see if they have any currently standing offers for you in their database)
      Bank of America: https://preselected.bankofamerica.com/cc/SelfInquiry.aspx
      Citibank: https://www.citicards.com/cards/acq/dirMail...o?screenID=4010
      American Express (Click on "NOT A CARDMEMBER YET"): https://www201.americanexpress.com/secure/m...atePerfectCards
      Chase checks for recently mailed offers https://creditcards.chase.com/RecentlyMailedOffers.aspx
       
      Sites that have been known to give pre-approvals when you shop there/go to check out there:
      Victoria's Secret http://www.victoriassecret.com
      Newport News http://www.newportnews.com (you can check to see if you're pre-approved here: https://www.newport-news.com/credit/preapprove.aspx )
      Spiegel http://www.spiegel.com (you can check to see if you're pre-approved here: https://www.spiegel.com/credit/eligcheck.aspx )
      Metrostyle http://www.metrostyle.com
      Chadwick's http://www.chadwicks.com
      Roamans http://www.roamans.com
      • 1,301 replies
    • So I've frozen my accounts (again) and opted out for all 3 CRAs.
       
      I have two collection accounts that are holding me back on TransUnion and they are Medical Collections. I have read the WhyChat HIPAA guidelines and I am ready to submit my Handwritten Initial Dispute using WhyChat's form provided.
       
      HOWEVER, before I do this, I also need to note that these two collections have STARTED garnishing my wages about 2 months ago, and have about 1 month of garnishment left BEFORE being paid off. The balances have not been updated on my credit report, even though they are still "reporting" every month.
       
      Should I wait till the garnishment is over in a few weeks and then start my initial dispute, or should I take a different approach overall?
      • 12 replies
  • New Topics

  • Member Statistics

    • Total Members
      184,169
    • Most Online
      2,046

    Newest Member
    Kiwi94
    Joined
×
×
  • Create New...

Important Information

Guidelines