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Your late payment would have incurred a late charge. For discussion purposes let's say that's $50. And let's say that your mortgage payment is $1,000. You would have had to pay (2 x $1,000) + $50 in order to get caught up. If you only paid 2 x $1,000, your mortgage would still be delinquent.

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Spent all morning doing Federal Income Tax. DONE I/we owe $0.00 No Refund Electronically filed. IRS ACCEPTED

Bump

Ok for limited purchases. But the "funding options" suggests he might be seeking what might be termed as "venture" capital. Using credit cards with a promo rate that balloons after one year poses refinance risk that generally would be VERY undesirable in such circumstances. A more firm credit extension such as a term loan, or even a variable rate credit line would be more appropriate. Still, everything is pure speculation until OP returns with harder info ...

Here's what I would do: Step 1 - call their customer service number and listen for the OGM saying something about the call being recorded for whatever reason. If you hear it, hang up immediately. Step 2 - Purchase something that will record a telephone conversation. In a 2-party State that OGM is their consent to record, n matter what anyone else in the company may say. After all, if it is OK for them to record, it is OK for you to. Step 3 - Call them back and ask if the account was brought up to date in January 2023. If they say "no" ask how short of being up to date is was. If they say "yes" then ask if the account has been current since January 2023. If they say "yes" then ask them why thy have been reporting you as 30 days delinquent from January 2023 to November 2023. Step 4: Get a copy of the check from January and label it "Plaintiff's Exhibit 1" and make a Transcript of the phone call and label it "Plaintiff's Exhibit 2". Get a copy of the credit report in showing the delinquency being reported from January to November 2023 and label that "Plaintiff's Exhibit 3" Step 5 - Find out who the President of that company is and send a sample Summons for the FCRA violation of knowingly mis-reporting a delinquency along with Plaintiff's Exhibits 1, 2 and 3 and give them 30 days to correct the reporting and pay you $1,000 Statutory Damages or you will be filing suit.

I agree this information would be helpful. But under the right circumstances, a new card at 0% interest with a < 5% balance fee xfer for 12-18 months could be helpful.

Here is the beyond-bland post office in Prior Lake, Minnesota: Upon mailing something from here, I became concerned that maybe I wasn't allowed to mail anything else unless I did it from a place called Next Lake. : /

I've made Hyatt Explorist. 26 nights away from Globalist. Credit Cards: Amex Green & BB+ MR 563,928 Amex Delta Blue SkyMiles 114,657 FNBO Amtrak Guest Rewards World MC 166,379 Chase CSP / CFU / CFF UR 239,477 Chase IHG Premier World Elite MC 68,263 Chase Hyatt Visa Signature 50,274 BofA Customized Cash Rewards Visa (3% Travel) $6.20 BofA Alaska Airlines Visa Signature 142,299 Barclays Hawaiian Airlines Elite MC 237 Citi Strata Premier / Double Cash / Custom Cash TYP 79,947 Choice Privileges World Elite MC 267,869 WF Active Cash Signature Visa (2% CB) $91.22 BILT Rewards MC 75,127 Shopping Portals & Apps / Stacking Opportunities: Rakuten. Pays out quarterly. (Amex MR Earning) Points Pending: 434 Chase Shopping Portal (UR Earning) American Airlines 84,251 United Airlines 115 Miles Upside (CB) Shell Fuel Rewards (Earning AA Miles 3miles/gal.) Airline / Hotel / Dining and Shopping Portals

Capital One Quicksilver. Replaces Walmart MC. Relationship between Cap1 and Walmart fell apart. Upon logging in to activate the Quicksilver, I was offered an immediate product change to Venture One, Venture, Venture X, and Savor. I changed to the no AF Vulture One.

The CFPB ruling on removing medical debts from credit reports will be official on Monday, March 17, 2025. Let the deletions begin!!!!

It's best that you define the type of funding you're looking for: -- How much? -- How long do you want to repay? -- Are you using the funds to purchase a major asset that can be used as collateral (security) for the loan? -- What types of credit have you tapped to date? Any other relevant background would be helpful in responding to you.

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Paid don't count. Search for the installment loan hack to learn more about how useful it can be. 30 points is pretty normal.

Hi, I'm looking for best funding options my credit score is 750+. does anyone have an idea or know any funding options where I can submit an application. thank you it would be a big help.

FWIW, she's got two older paid/never late auto loans on her report, and some paid/never late student loans so it's not naked vis-à-vis installment loans. 30-40 points would be worth dealing with them but I'm skeptical it'll amount to that much. Also concur with Why Chat on Wells Fargo inherent lack of trustworthiness. I'd love to see her refi to NFCU but she got the loan with good credit before interest rates spiked, so.... ☹️

Replacement Macy's card. I forgot there were fraudulent charges 3 months ago. They must not want me to use it.

1 vs 0 fairly well paid off installment loan can provide a 30-40 boost. However, it may prove an act of God to get them to fix the reporting at this point. Still could be worth a call.

I have a brokerage account with Robinhood and I've been dabbling in cryptocurrencies. I have quite a few coins and I have their gold account. They kept sending me messages telling me I was pre-approved for their new credit card that just came out and I think it's through Coastal Community Bank. I was very hesitant on applying for the card because I figured I would get a $500 credit line or even disapproved with the 17 new accounts I have. I was pleasantly surprised that my account was approved with no hard inquiry. I looked at all of my credit reports and it shows a soft inquiry from Robinhood Credit. I was approved for $10,000. Through the process of setting up my account on their app, I had to upload a copy of my identification card and a selfie to prove who I am. Other than that it was a very seamless process. If anyone has a gold account with Robinhood I highly suggest they apply for the card. I think the entire process was less than 5 minutes. This really made my day. 💞💞💞

IMO Wells Fargo is NOT a tradeline or creditor I would trust. She may be opening a can of worms by getting them IN ANY MANNER back on her reports as their data privacy has lots of leakage.

I don't think it's that impressive when the facts are this cut and dry. 🤷🏻‍♂️ The one time I did arbitration it was equally cut and dry. Lender claiming late payment and refusing to waive associated fees/interest when I had hard proof (ACH withdrawal from my checking account before the due date) it was not late. Regular customer service channels failed. CFPB complaint failed. FCBA complaint failed. Service of process with JAMS complaint? That got their attention and we figured it out with a few e-mails and one phone call. Their outside lawyer audibly sighed when he opened the e-mail with my bank statement. I hope he soaked them for many hours on that "case" because they deserved it for the sheer stupidity.

My partner went through Chapter 7, discharged in Sept 2023. She was able to keep her oldest (2012) TL, who doesn't pull A/Rs, by having it at a $0 balance prior to filing. That, plus two new TLs in her name, and AU'ing her on many of my cards, has her FICO at ~696 (average of all three CRAs). Further along than I was at this point in the journey. She has a Wells Fargo auto loan (2020) which never went late and was reaffirmed during the bankruptcy. She continues to pay it on time. Wells Fargo removed it from her reports almost immediately after the case was filed. I'm assuming this is their SOP to avoid accusations of violating the automatic stay. Is there any mileage (pun intended) in trying to get them to re-add it? Will they play ball if she asks? Is it worth the effort? In my experience, auto loans don't seem to count for much. My hunch is if we go through it she might get a 5 point bump, if that, but I'm curious what the braintrust here thinks.

Just as an aside: Until the dust settles from Trump/DOGE review of CFPB staff/activities, it's likely best to regard your State's AG office the recourse of first resort. Referrals to CFPB should be paused until there's clear indication that the office is once again functional.

In case you didnt know the 3% cashback for groceries includes Walmart.

Update: I went to a Chase branch, and they gave me instant access to my Apple wallet. I'm not sure if it works that way online if you're an existing customer. I also got 70000 points instead of the 60k they were offering online.