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  1. Today
  2. How much usage do you put on your discover card monthly?
  3. The bot in question has a penchant for replying to posts by paraphrasing them.
  4. I hope I am not the one that is considered a Bot. Rest assured I am a living, breathing human being and have been a member of CB a little bit longer than you have. We both joined in 2003 - me in June 2003 and you in November 2003.
  5. 1: I would hold that information back for now. 2: I would wait but start building my defense strategy. Here are the facts you are dealing with: A: 95% of collection lawsuits filed against consumers end up in default judgments. Make sure yours is not one of them. File an Answer denying everything except your name. Remember - the burden of proof is on them, not you. B: Start putting together a list of documents you would want to see that would prove their case - Application for credit signed by you, listing of all transactions on the account back to a Zero balance. If H & E is representing a JDB or CA, proof that they are the actual owners of the alleged debt (use that word "alleged" often), or the Assignment from the OC to the CA. 'C: After service of the summons, prepare the list in B above into a Discovery Demand. The longer the better - and include in it demand for the names, residence and business addresses, titles, resumes and employment dates of all persons they plan to testify against you so you can depose them. The strategy is to bury them in Discovery demands. The lower the amount being sued for (see "A" above, the less likely they are to really pursue it. Remember - lawyers get paid for everything they do, and the more you make them do in pursuing your claim the more this lawsuit will cost them. The likelihood is high that sooner or later they will figure out that the costs of pursuing you will exceed their probable recovery and they will agree to a settlement. Keep in mind that the answers they provide for Discovery Demand "A" can create new questions and demands for documentation of the answers in Discovery Demand "B" and so forth. 'D: For anything they fail to provide from your various Discovery Demands, you can file a Motion to Preclude with the Court asking the Judge to preclude (disallow) any evidence that the non-provided documents can or might have proven any facts of the case.
  6. thank you!! @shifter 1. what is a good settlement amount. they did not go for my previous offer before they filed. 2. better to offer now before i take service or answer the lawsuit and then make an offer?
  7. You're not going to be able to kick the can forever.
  8. ok. so the lawsuit got filed. better to settle pre-service, after service, after answer, or never....
  9. If they give 5% back like Target, I might consider.
  10. I'll suggest that this issue falls into a bit of a gray area but is best summed up as: nothing technically inaccurate and likely of no significant harm. I'm going to guess that the Citi Costco card has a unique card numbering scheme, thus your account was assigned a new number upon the product change. If so, it can reasonably be reported under two tradelines. Both would feature the original "Opened Date", and each would only reflect the history during the time that the respective card product was open. The original tradeline history would include a note that would read "Transferred", to distinguish from an actual closure. From what you write, the EQ reporting is largely consistent with this, except the newer tradeline has the full account history and the former one may lack the "Transferred" footnote. Personally, I find these differences innocuous and would advise no action. While the dual tradeline reduces your average age of accounts presently, ultimately the account age will be greater than your average age (reflecting further new accounts / aging off of closed accounts) and at such time will actually serve to anchor a longer average age.
  11. Yesterday
  12. Hey @supern8ural Are both of those Citi accounts well reporting on the credit file in question?
  13. I realized today that while looking at my credit stuff that apparently Equifax is double reporting one of my credit cards. I have two Citi cards showing as being a little less than two years old when in reality they're the same card. One instance appears to be the original incarnation of this card as a Diamond Preferred and it shows payment history up until August of last year (which must be when I PC'd it to a Costco Anywhere Visa) and zero balance. The other I assume is the same card but shows the entire payment history from late 2023 until today, and reflects my current balance. As a result, Equifax shows my AAoA as 5 years, 1 month and TU show it as 5 years 6 months. It's low because I opened a lot of cards about two years ago when I got serious about rebuilding, and it's going to go lower because I have an AmEx BCE that hasn't reported yet. (these AAoA are open accounts as I'm looking at CK - looking at Experian which also shows my Citi cards correctly my AAoA including closed accounts is 7 years 7 mos.) I guess the question is is this something that needs to be cleared up, or does it not really matter? Positive: my Equifax report shows one extra tradeline in good standing as opposed to the other two bureaus Negative: the account that isn't really real showing on Equifax is less than two years old so is artificially reducing my AAoA I honestly haven't noticed any significant difference in scores when comparing like for like - either VS3.0 or FICO 8. The last time I pulled a three bureau report from myFICO was back in February and my EQ FICO 8 was 813 and TU was 814. (Exp was 797 and I assume that is due to hard inquiries and/or presence of an Affirm loan) I'm a little ashamed of myself for not catching this for apparently ~9 months... I did look at the February report and yeah there it is, a "Citicards Cbna" account that is only reporting to Equifax and last reported 08/2024. thoughts? It really appears that if any bureau is going to give me trouble with my credit it's Experian not Equifax as all those scores are lower. But, some of those inquiries will start falling off soon so I got that going for me.
  14. Last week
  15. Just curious how long until the bot gets banned
  16. We have 4 Synchrony cards in our household: CareCredit and Lowes for me, Amazon and Verizon for my spouse. The average card age is about 7 years. No problems so far, and holding these cards has been mostly beneficial. From my experience, it seems that people with mid-range FICO scores (around 640-720) are more likely to have issues with Synchrony. They appear to be a cautious lender and sometimes use risk management practices that feel stricter compared to typical “prime” lenders.
  17. I've never had any negative dealings with Synchrony shutdowns, financial anal probes, and the like. I currently have Amazon, Lowes, and Car Care One. Of course I never did anything *Admin prohibits insults that reference an individual's intelligence.* like rapid fire apply for Synchrony cards. Knuckleheads over at the JV forum are famous for Sync shutdowns. Slow learners.
  18. Amex Hilton Honors No AF 100k SUB for $2k spend in 6 months $12k limit
  19. Another personal loan offer from Amex Amex personal and business gold offers Hyatt CC statement
  20. 4 Synchrony cards in our household: CareCredit and Lowes for me, Amazon and Verizon for DW. Avg card age is something like 7 years. No problems and holding these cards has largely been beneficial. Based on this experience alone, I'll suggest those more likely to experience problems with the issuer have middling 640-720 FICO scores. It feels like Synchrony is a nervous lender when modest to moderate risk is on the table and engages in questionable risk management tactics that keenly differentiate them from "prime" lenders.
  21. Credit Cards: Amex Green & BB+ MR 567,937 Amex Delta Blue SkyMiles 114,657 FNBO Amtrak Guest Rewards World MC 171,067 Chase CSP / CFU / CFF UR 251,720 Chase IHG Premier World Elite MC 68,263 Chase Hyatt Visa Signature 102,568 BofA Customized Cash Rewards Visa (3% Travel) $6.20 BofA Alaska Airlines Visa Signature 144,404 Barclays Hawaiian Airlines Elite MC 289 Citi Strata Premier / Double Cash / Custom Cash TYP 80,356 Choice Privileges World Elite MC 288,344 WF Active Cash Signature Visa (2% CB) $91.22 BILT Rewards MC 88,039 Shopping Portals & Apps / Stacking Opportunities: Rakuten. Pays out quarterly. (Amex MR Earning) Points Pending: 877 Chase Shopping Portal (UR Earning) American Airlines 84,548 Upside (CB) Shell Fuel Rewards (Earning AA Miles 3miles/gal.) Airline / Hotel / Dining and Shopping Portals
  22. I would strongly recommend you make effective use of Why Chat's site for repossession advice. It is a superlative site. Link is at top center of page. If you cannot find it, post back here in this thread.
  23. Toyota financing can be a bit different. Depending on where you live in the USA, different areas of the country are served by differing captives. Plus, I have no idea what NFCU is offering either for terms nor rates. Navy rates etc I looked up for you. Located here. Auto Loan Rates for New & Used Cars | Navy Federal Credit Union
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