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  3. GreenDragonLady

    one of these things is NOT like the other...

    That was pretty much me when I was a single mom with two kids and no child support.
  4. TiffanySa

    Card recommendations

    Gotcha! My utilization rate is 6% so I just figured having access to higher CL would help lower that and boost me over 800.
  5. cashnocredit

    Removing Charge Off Accounts that have been reported as income

    My read is that in a small number of local rulings, JDBs that have sent a 1099-C may lose the right to collect the debt but in most jurisdictions, they don't lose that right. Some, but not all, triggering events are caused directly by events such as state SOLs. Especially in those states with short SOLs. When the latter occurs the JDBs may not continue collection efforts unless they also notify the consumer that they will not be sued if they don't pay. However, they can continue to report the debt for 7 years from DOFD. In this case the creditor is the OC, not a JDB. They are reporting the balance as 0 but also reporting that the account was charged off. They are probably using best practice in reporting the balance as 0 given they filed a 1099-C. That also means they aren't going to sue for the charged off debt. An unpaid debt that is charged off can normally still report a balance due unless it is sold to a JDB at which point the OC may still show a charge off but must also show a zero balance.
  6. The takeaway here is that you should have no expectations of privacy. The CSO is just delaying the inevitable - time to dust off the old resume. Sent from my SM-N950U using Tapatalk
  7. https://www.nj.com/expo/life-and-culture/g66l-2019/01/c5ed292a9b4271/how-was-your-credit-card-account-hacked-youll-probably-never-know.html
  8. hegemony

    NEW debit CARD!!!! (Square)

  9. https://www.cnbc.com/2019/01/17/mastercard-to-protect-users-against-getting-charged-after-free-trials.html
  10. hegemony

    NEW CARD!!!!! (Fanatics)

  11. https://www.reuters.com/article/us-american-express-results/american-express-misses-estimates-on-slowing-customer-spending-shares-drop-idUSKCN1PB2PB
  12. https://creditboards.com/forums/index.php?/topic/617095-jewelry-retailer-accused-of-opening-fake-store-credit-card-accounts/
  13. https://www.wkbn.com/news/ohio/ohio-based-sterling-jewelers-to-pay-11m-settlement-over-credit-practices/1708066487 "New York Attorney General Letitia James and the Consumer Financial Protection Bureau announced Wednesday an $11 million settlement with Ohio-based Sterling Jewelers Inc." "The settlement involves several brands, including Kay Jewelers and Jared The Galleria of Jewelry."
  14. How long has it been since you sent the medical DV to the CA and the follow up dispute to Experian?? You started this thread Dec. 9 and said you had sent the dispute ( was it from the HIPAA letter program?) then.
  15. https://www.bloomberg.com/news/articles/2019-01-17/rapper-snoop-dogg-promotes-payments-service-from-sweden-s-klarna
  16. https://techcrunch.com/2019/01/15/another-huge-database-exposed-millions-of-call-logs-and-sms-text-messages/?utm_medium=TCnewsletter
  17. Today makes 42 days that Experian has had my dispute. I have not received a response from them. But it appears that a TL from Jefferson Capital (as a result of another dispute with Equifax not medically related has been changed to "Closed") based on Credit Karma and through a credit card that gives me my FICO score etc. Can anyone advise me as to how to go about contacting Experian and when I should? Should I send a letter or call or what? If they aren't acknowledging my dispute at all, do they have to delete the disputed TL's??? Thanks for any advice.
  18. You mean it doesn't! My flu shot was free. I just assumed my auto insurance paid for it.
  19. Yesterday
  20. cv91915

    mortgage payment v. impound amount reported to CB

    In addition to your monthly payment a mortgage trade line also reports the outstanding balance, so it's obvious how much debt you actually have.
  21. IndyPoolPlayer

    one of these things is NOT like the other...

    Its well known that many people live just one paycheck away from financial ruin. I worked with many in the past who were paid every Friday and broke again every Monday.
  22. Can you afford to pay it off and pay for housing, keep the lights on, and some food in the icebox? Anything you can sell to raise cash? Cut expenses such as cable, phone, go to a bare minimum cell phone plan. A collection would just make it two bad entries instead of just the one from Wells Fargo. How much does WF want to keep it in house?
  23. Occam

    Advise to get FICO above 760

    Amex AUs show up as new accounts, so you get all the negatives of adding a new account including a hit to AAoA. If you want an Amex, you are better off opening your own and collecting the SUB. One thing I'd add to CVs good advice is, there's a lot more to age than just AAoA. And AAoA is seldom the most important. Here are 4 measures of age in approximate order of importance to FICO: 1. Age of oldest account 2. Age of newest account 3. AAoA 4. AAoOA #4 barely matters at all to FICO, but has a large impact on FAKOs like Vantage. Age of oldest open account often counts more on FAKOs than any of the "real" measures. But AFAIK it has no effect at all on any FICO score.
  24. I have a Wells Fargo credit card I haven't paid on since July of 2018. They been send in letters and the last one said if I don't make it payment by 1/31 then it's going to collections. At this point since they already have me late on payments is it better to let it go to collections or start paying off?
  25. tiggerlgh

    mortgage payment v. impound amount reported to CB

    They report your total payment due which includes PITI (principal, interest, taxes and insurance). They are reporting accurately. Mortgage payments are usually more than just P&I. Which for some reason is all many focus on.
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