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- Past hour
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Waffle House. Seeing how the other half live.
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I would work directly with T-Mobile, and see if you can come to an agreement and pay T-Mobile directly. Then the collection account usually gets pulled back from the CA and the entry drops off your report, usually.
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It is stamped and scanned. No clue by who. States “for deposit only” and have numbers stamped
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Is this the same Twitter "machine" that Devin Nunes referred to today in comments? <and if someone reads something political into this post, that's their problem ...> 🙃
- Today
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snipsnapsnoop joined the community
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Medical Debt Dispute Clarification
Why Chat replied to Axil's topic in Medical Billing & Medical Collections
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In absence of anecdotal info here, I guess I'll go ahead, call again, and authorize a credit pull. Whatever the outcome, maybe this will clear up the online block on requesting future CLI's on my Citi accounts. (Of course, if not, I'll follow up through a CSR.) As far info in my online profile, that was updated with the information I provided during the call yesterday.
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notyouraverageuser joined the community
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Most business credit cards make the decision based on the owner's personal credit and income from all sources.
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joenobody reacted to a post in a topic:
Large Tax Debt. Selling my house before IRS/collectors take it. Bad idea?
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Thank you very much. I see it now, I failed to last night. I likely looked right at it and missed it.
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Cbreezy joined the community
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Medical Debt Dispute Clarification
Axil replied to Axil's topic in Medical Billing & Medical Collections
Ok, went and found the EOMB for the two medical collections that were showing up. My insurances company did process both of them, however one of them was ended up costing nearly 3,000 dollars towards my deductible. There are two different 99284 Emergency Service codes. This was a trip to the ER that lasted maybe an hour or so. Is there a legitimize reason that the 99284 (what i understand to essentially be the facility fee code) would show up twice? the amounts are different one was for 1,426.94, the other 549.79. The other bill i recognize and looks about right, it's also for a much lesser amount so I am willing to pay it if it gets verified and i can get it removed from my credit report. I still have not gotten a response on these disputes from any of the CRA's -
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Yem0301 joined the community
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Not sure why you are seeing that message- the link on the first post doesn't work for me, but I just click through services menu on my account and see the soft pull verbiage. Only other thing to try might be updating income information on your profile? Otherwise Citi has been much more generous with CLI's with a hard pull IME (+20k vs. +2k every 6 months)
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BlueProfits91 joined the community
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Mcarroll joined the community
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It's in the pinned topics. https://creditboards.com/forums/index.php?showtopic=594619
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https://www.edutopia.org/article/6-tips-teaching-poetry-writing-teens
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Several obvious sins here: 1. Not using a card for a year and a half; 2. With 19 cards, not having a spreadsheet with all important data on it; 3. Not set up for alerts; 4. Not set up for automatic payments. You are right. You were dumb. But we've all been guilty of making mistakes, too. The important thing now is not to be dumb twice. Contact Barclays. I'm not sure if it will be best to suggest they dropped the ball by not alerting you, or just being contrite and accept blame. Let's see what others suggest. Then work out a spiel and go for it. If they refuse, escalate. If that doesn't work, write a letter to the CEO. Good luck!
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FTC Says Credit Freezes Do Not Automatically Opt You Out
PotO replied to cv91915's topic in Credit Forum
Thinking in terms of opt-in or opt-out is probably not the best way to look at it. A freeze prevents INQs from those with which you do not already have an established relationship with (and a few other exceptions, such as CAs) -- there is no distinction between whether they are soft or hard. If a potential creditor wants to check you for a pre-qual, a freeze prevents them from softing you. It's not the opt-out / in status that prevents the pre-qual, it's the freeze. We tend to think freezing has no effect on a soft INQ, but it most certainly does. If you've never signed up for Credit Karma before, freeze your reports and try joining. It will not succeed. We even have some current creditors who cannot soft if you are frozen. Sync is famous for that. -
FTC Says Credit Freezes Do Not Automatically Opt You Out
PotO replied to cv91915's topic in Credit Forum
That works only if they have successfully obtained your report at least once prior to the freeze. -
Weenie Queen
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DIY with the Twitter Machine.
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FTC Says Credit Freezes Do Not Automatically Opt You Out
cv91915 replied to cv91915's topic in Credit Forum
I have no firsthand knowledge of what is correct in 2019, The FTC article I linked unequivocally says that freezing does not opt you out. It doesn't say whether it's a regulation, subject to the whim of a junior business analyst at the bureau, changes quarterly like Chase Freedom categories, etc. I want to make sure that we aren't dispensing bad or outdated information. I'd welcome links from authoritative sources (not anecdotes) that contradict what is presented as fact by the FTC. -
Because the typical cardholder has the math skills of a fruit fly, if that. Discovery it APRs run from 14.24% to 25.24%, and I'm sure they harvest plenty of late fees too. Subtract 4% (1) and it still looks pretty lucrative. Then add interchange fees... (1) Net charge-off rate is calculated by dividing annualized net charge-offs for the period by average loans held for investment during the period for the specified loan category. I'm sure it includes reported debt that gets PIF, but larger balances are less likely to be PIF, and how many consumers actually PIF for 2 months in a row?
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TDECU or NFCU or both for $70k auto loan...details within
direct replied to bluduk15's topic in Automotive Financing
Have you looked at the finance rate Toyota offers on new cars vs the finance rate on a used car? Sometimes the monthly payment is very close due to the interest rate difference between new and used. It's worth checking to see if there are any 0% offers on new vs the 3.9% offer on used combined with the new car warranty vs used car maintenance cost. An $85,000 new vehicle can be slightly more than a $70,000 used vehicle when all things are considered. -
FTC Says Credit Freezes Do Not Automatically Opt You Out
credit_help replied to cv91915's topic in Credit Forum
How do you verify that you are opted-in with a CRA or four of EXP, EXP, TU, and Innovis? -
I got my deposit back after closing my secured cc last month with Open Sky. No more annual fees.
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I thought I found an arbitration guide that was posted by leagleeagle once, can someone let me know where it is?
