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  • Our picks

    • Thanks creditboards, TU just deleted my last chapter 13 bankruptcy.

      Killbadcredit posted a topic in Credit Forum,

      I want to stop and say thanks. Thanks to each and everyone of you who helped me, I thank you. 
       
      So TU just deleted my last chapter 13 (filed in 2013, 2014 due to errors.).
       
      Equifax, I’m have to call them to delete address tied to it. 
       
      Experian is in the process disputing it as well.
       
      My Lexis Nexis frozen.
       
      Again thanks creditboards, you all do make a difference with your knowledge.
       
      I am really humbled and learn my lesson about credit in general. Before I mess up I’ll be sure to ask here.  I hope everyone stays safe and I can’t thank you enough. You all the best people. 
      • 11 replies

      Picked By

      MarvBear ,

    • Collection from PA State

      Ynocaus posted a topic in Credit Forum,

      I received a collection letter from a law firm called "Linebarger Goggan Blair & Sampson LLC". It says they are attempting to collect a debt for the PA Office of Inspector General, and it says "Welfare Overpayment". I'm unsure of what this is about, nor do I know any details other than the amount due which is over $2k. 
       
      The letter also mentions "this is not a threat to file a lawsuit. At this time, no attorney has personally reviewed the particular circumstances of your account," and it asks for me to call a certain person at the company and gives a phone number.
       
      1. Since this doesn't mention a 30 day notice, should I still send a DV letter? If not, what is my next step?
      2. Does anyone know what the SOL (if any) would be in PA for a collections concerning "welfare overpayments"? 
       
      Thank you much!
       
      • 16 replies

      Picked By

      MarvBear ,

    • Credit Card Retention Offers List Yours

      TheVig posted a topic in Credit Forum,

      I called Amex today to cancel my platinum card.
       
      I've decided to keep it for one more year. Retentions department gave me this offer. AF credit of $300 and 50,000 MR points. No spend threshold required. So my AF this year is $250.
      • 15 replies

      Picked By

      MarvBear ,

    • Are closed accounts still reported?

      treman posted a topic in Credit Forum,

      I opened a Wayfair credit card through Comenity Bank back in July to add in a retail card to my mix of credit.  Of course, they closed their credit card program in September.
      Prior to closing, I made a purchase in an effort to keep my tradeline open and reporting on-time payments until it was paid off. However, the last payment reported was in August. For October's and November's payments it states No Applicable Payment History. 
       
      Will they no longer report my monthly payments?
       
       
      • 6 replies

      Picked By

      MarvBear ,

    • Equifax says they need documents to locate my file?

      Killbadcredit posted a topic in Credit Forum,

      I sent Experian and Equifax the same exact letter.
       
      The letter provided here about deleting old address.
       
      Experian obeyed and deleted address tied to BK.
       
      Equifax sent me a letter saying they can’t locate me a file and they want 2 copies of ID to help find my file.
       
      What should I do, send them a copy of SS, and utilities bill.
       
      • 7 replies

      Picked By

      MarvBear ,
    View All

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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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