Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


  1. Intro & News

    1. Please Read Before Posting - NEWBIES START HERE

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

      2,471
      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

      1,738
      posts
    4. Newbies Section   (329,838 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

      3,553,907
      posts
    2. Medical Billing & Medical Collections

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

      72,718
      posts
    3. Bankruptcy

      Bankruptcy discussion

      123,987
      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.

      10,149
      posts
    5. Chexsystems Help

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

      9,225
      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.

      3,485
      posts
    7. Military Credit

      For the credit issues that are unique to our military members

      1,700
      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

      241,606
      posts
    2. Automotive Financing

      Discussion of Automotive Financing

      110,967
      posts
    3. Student Loans

      Student loan resources and discussion

      38,602
      posts
    4. Business Credit

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

      181,406
      posts
  4. Money Management

    1. Money Management

      Discussion and tips on sound money management.

      54,364
      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

      23,771
      posts
  6. Resources

    1. Laws Laws Laws

      FCRA, FDCPA and other credit-related laws

      1,142
      posts
    2. Where can I Find?

      Contact Info, Search sites, lists, locators, etc

      707
      posts
    3. 629
      posts
    4. 1,229
      posts
    5. Debt Collector Hall of Shame

      Collectors Caught in the Act

      367
      posts
    6. 948
      posts
    7. CreditPulls Database   (534,333 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

      338
      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

      1,042,014
      posts



  • Our picks

    • I received a letter from CA stating I owe them money.   I realized that I totally forgot to pay the hospital from many years ago.   This is a valid debt in my opinion. 
      It is NOT being reported on my Credit Report. 
       
      Question:  should i pay the hospital or the collection agency? 
       
      I called the hospital and they said I should pay the agency. 
      • 16 replies
    • Responding to another User's post I realized I never shared my recent painful experience with Chime Bank. 
       
      Chime what some call a "second chance" banking solution for those who may have issues with credit checks or making it through the ChexSystem to obtain a bank account. 
       
      • 21 replies
    • Ok, so thanks to advice from this forum I have since caught up and taken care of the majority of my debt. There is one account that I just completly missed and is in collections and I received a call that legal action will be taken and I will be served for garnishment/judgement. She said she was a courier. They don’t have my correct address and I didn’t give them my new one because I wanted to gather information first To make sure it was legit. On the phone I mentioned to send me a debt verification. She said she would email it. Never sent of course. She gave me a number to call to take care of it and to get the information I need. On my CR it said I had a limit of 300 and the last reported (High) balance in 2019 (nov) was 639. If I call collections and take care of it, will the attempt to serve me stop right away? How much should I offer to take care of it if I want to try to settle for a fraction. I really want to try to squash this as quickly as possible and I’ve read to submit in writing but I feel I shouldn’t wait. Any assistance if helpful. Thank you. 
       
      Small Edit/update: Just called collections and the girl was generally very nice about everything. I didn’t confirm it was mine but she explained that the “courier” was just trying to rush things along and that I could setup an arrangement/pay in full etc. She is emailing the debt verification. Should I offer a settle/pay for delete and how much should I offer?
      • 11 replies
    • I am looking to get a higher limit credit card, ultimately I want to be able to purchase a small property and get a rehab loan. My score was 720 in January and since opening 4 cards and a few late payments, my score is now 550 (the highest limit is 700, and I have $2420 in total CC balances). I have an eviction judgement, 800$ at a credit union loan in good standing. Would a 20k AU tradeline help?
       
       
      • 25 replies
    • My spouse and I are trying to get (preferably) FHA financing for a house. It would be a small mortgage loan by almost anyone's standards. We have a few credit cards, but we PIF and neither of us carries credit card debt. There is one car loan between us with perfect payment history. We are recovering from old credit issues and have scores in the mid-600s. We both have savings.
      Here's the problem: I make the majority of our combined income and have W2s and tax returns for the past several years. However, unlike my spouse, I have been on leave from my job due to COVID-19 and cannot produce check stubs. I have finally been called back to work, but that is over a month away. We do have a co-signer available but were told we still have to qualify income-wise, and that can't be done without check stubs.
      Please offer any advice you might have! We can't let this property get away from us. Thank you! 
      • 15 replies
  • New Topics

  • Member Statistics

    • Total Members
      179,261
    • Most Online
      2,046

    Newest Member
    Ccchrisss1
    Joined

About Us

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.
×
×
  • Create New...

Important Information

Guidelines