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    1. Please Read Before Posting - NEWBIES START HERE

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  2. Creditboards Main Forums

    1. Credit Forum

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

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    3. Bankruptcy

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    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.

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    5. Chexsystems Help

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      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.

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  5. Special Topics

    1. VISA MC policies

      THIS FORUM IS NOW READ ONLY. 

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  6. Resources

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      Collectors Caught in the Act

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    7. CreditPulls Database   (524,534 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

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    9. Sample Letters

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

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  7. Misc.

    1. General Discussion

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  • Our picks

    • My first Shop Discover purchase failed to give me cash back credit: http://creditboards.com/forums/index.php?showtopic=518247. So far I haven't had the strength to try to contact them about this and track down an amount less than three dollars. This should just work...
       
      Now I've taken the damn card out of the sock drawer one more time to get 5% for online shopping. YES, I registered for the 5% promotion.
       
      So far:
       
      Amazon.com gift card, purchased directly from Amazon - Qualified
       
      Chefs.com purchase - Does not qualfiy
       
      Soap.com purchase - Does not qualify
       
      Overstock.com purchase - Does not qualify
       
      Amazon Payments (for purchase made from Amazon.com) - Does not qualify.
       
      This card is a #@$^@%^$ joke.
      • 404 replies
    • From EXP
      EXP - 662
      EQ - 643
      TU - 649
       
      From EQ
      EXP - 587
      EQ - 621
      TU - 588
       
      From Credit Karma
      EXP - NA
      EQ - 639
      TU - 629
       
      Why is EQ so low? All the info is the same between them and the dates of the most recent pull is within a day or 2 of each other. 
      • 8 replies
    • I want to use a balance transfer promotion from Chase but it has a 5% balance transfer fee. Looking to get around that if I can so I thought I'd pay my spouse with paypal using the Chase credit cards which will cost 2.99% but then we'll get 1% of that back with rewards so it'll be 2% total. Would Paypal or Chase have a problem with a payment to an individual with the same address?
      • 22 replies
    • Hi Everyone,
       
      It's been a while since I've posted although I sometimes read from an app on my phone.  This site has been invaluable to helping me clean up my credit and stay that way.
       
      I just opened yesterday a collection letter from A.R.A.  They had called me last week and when I asked who they were as soon as they identified themselves, I lost cell service and the call was dropped.  
      https://www.flickr.com/photos/31276280@N07/48830231176/in/dateposted-public/
       
      I received this letter in the mail and I'm a bit freaked out they they gave me hardly any time to respond.   I need some help with a letter to respond to them.  I've done this before but it's been years.  I also just moved and a lot of my older stuff (hard drives, with letters on them) are packed away.  Can someone help me?
       
      Thanks!
      • 28 replies
    • I was reading Whychat's site, and if I read it right, it says credit cards are always Open Accounts, even after default, as part of the Uniform Commercial Code.  I'm just wondering what part of the UCC says that.
      • 18 replies
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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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