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Credit Forum

Credit Reports, Collections, Credit Cards and related discussion

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  1. Credit News

    Credit-related news and articles

    1,394
    posts

  2. Advanced Credit Topics

    Advanced credit topics such as high-value credit limits, rewards cards and strategies for maximizing rewards

    22,543
    posts

343,526 topics in this forum

  1. Pinned topics

  2. Credit Card "Pre-Selector" sites? 1 2 3 4 52

    By socalfiremedic ,
    • 1,285 replies
    • 684,306 views

  4. Welcome New Members! 1 2 3 4 89

    By Sadeyes ,
    • 2,219 replies
    • 329,357 views

  5. **ONLY** IF YOU HAVE BEEN F/R'D BY AMEX 1 2 3 4 6

    By breeze ,
    • 130 replies
    • 78,357 views

  6. NFCU Now Accepting Coast Guard 1 2

    By Matti ,   
    • 31 replies
    • 20,762 views

  7. Actual FICO Score Ranges 1 2 3 4 5

    By qwerty4 ,
    • 104 replies
    • 84,314 views

  8. PsychDoc's Credit Repair for Beginners 1 2 3 4 6

    By breeze ,
    • 129 replies
    • 118,580 views

  9. credit card spreadsheet 1 2 3 4 21

    By breeze ,
    • 524 replies
    • 211,892 views

  10. Pay OC Instead of CA Process + Letter 1 2 3 4 5

    By shifter ,
    • 108 replies
    • 52,101 views

  11. The Master of Master Master Threads 1 2 3 4 5

    By futurehomeowner? ,
    • 108 replies
    • 83,267 views

  12. HOW I GOT MY BANKRUPTCY DELETED 1 2 3 4 36

    By fedtrouble ,
    • 889 replies
    • 273,614 views

  13. guide to Capital one & the 2fer deal is dead 1 2 3 4 93

    By mrjuggalo9er ,
    • 2,310 replies
    • 134,713 views

  14. CC spreadsheet for Open Office 1 2 3

    By breeze ,
    • 74 replies
    • 59,507 views

  15. Newbies - for more than 60 days 1 2 3 4 67

    By breeze ,
    • 1,655 replies
    • 151,991 views

  16. My Version of the "Credit Repair 101" Index 1 2 3 4

    By Jen23514 ,
    • 79 replies
    • 179,203 views

  17. 1-2 punch flow chart 1 2 3 4

    By breeze ,
    • 84 replies
    • 119,167 views

  18. Consumer Financial Protection Bureau 1 2 3 4

    By ICANHASMUNY? ,
    • 84 replies
    • 51,743 views

  19. FAQ regarding judgments 1 2 3

    By dixiedrifter ,
    • 55 replies
    • 92,685 views

  20. I had the 1-2 punch flow chart redone as my way of saying thanks to the community 1 2

    By Jamesshrugged ,
    • 40 replies
    • 35,721 views

  21. New IRS Policy 04/02/2011 1 2 3 4 18

    By Mervynsb ,
    • 438 replies
    • 108,053 views

  22. Do you support current Amex FR Policy ? 1 2 3 4 7

    By ConcordUser ,
    • 150 replies
    • 54,645 views

  23. YOUR "COLLECTION SCORE" 1 2 3 4 6

    By ICANHASMUNY? ,
    • 130 replies
    • 101,842 views

  24. How To Pay Your Debts 1 2 3 4 5

    By Why Chat ,
    • 116 replies
    • 101,927 views

  25. CB list of lawyers 1 2 3 4 5

    By breeze ,
    • 123 replies
    • 101,872 views

  26. Links to the Free Online CRA Credit Reports 1 2 3 4 5

    By ASayre ,
    • 106 replies
    • 156,777 views

  27. *BETA* Automatic INQ Counter for EQ and TU 1 2 3 4 10

    By ctb89 ,
    • 239 replies
    • 86,327 views

  28. B* Tracker Spreadsheet obsolete-B* is dead 1 2 3 4 5

    By junkyour925 ,
    • 118 replies
    • 61,675 views

  29. New Eq Counter-go to last page for updated counters 1 2 3

    By mmalone120 ,
    • 61 replies
    • 57,368 views

  30. Texas law seems to require CA to Delete if They fail to Respond to DV 1 2 3 4 39

    By walterg55 ,
    • 960 replies
    • 271,969 views

  31. FTC shuts down fake payday loan collection scam

    By ICANHASMUNY? ,   
    • 20 replies
    • 13,112 views

  32. Confused on the Thirty Day Deadline issue? 1 2 3 4

    By jack1212 ,
    • 81 replies
    • 72,717 views

  33. Are You Ready to Start Your Credit Repair?

    By nolanryan ,
    • 0 replies
    • 14,825 views

  34. state collection agency license boards 1 2

    By Sultan ,
    • 40 replies
    • 41,491 views

  35. For you daily pullers out there 1 2 3

    By MannyLNJ ,
    • 51 replies
    • 78,762 views

  36. New Rules for Spoofers

    By Jen23514 ,
    • 17 replies
    • 24,851 views

  37. HOW TO DEAL W/ DEBT COLLECTOR PHONE CALLS

    By ICANHASMUNY? ,
    • 1 reply
    • 21,827 views

  38. Military deployment and credit 1 2 3 4 6

    By breeze ,
    • 130 replies
    • 409,263 views

  39. 1-2 Punch flow Chart 1 2 3 4

    By moneymonkey ,
    • 92 replies
    • 88,608 views

  40. WHY CHAT'S SELECTED POSTS 1 2

    By Why Chat ,
    • 37 replies
    • 44,198 views

  41. All you wanted to know about LVNV

    By radi8 ,
    • 4 replies
    • 22,365 views

  42. CB 'Hall of Fame' Threads

    By honybee ,
    • 22 replies
    • 28,280 views

  43. NFCU Eligibility Requirements *UPDATED*

    By Chris in OK ,
    • 0 replies
    • 19,790 views

  44. ****PLEASE READ FIRST ***Newbies START HERE

    By Pam ,
    • 5 replies
    • 41,357 views

  45. ANNOUNCEMENT: The official CB policy on "no credit" financial advice

    By CargoJon ,
    • 0 replies
    • 22,943 views
  46. Other topics

  47. This is why you might not get approved for a new credit card right now

    By Kat58 ,
    • 2 replies
    • 19 views

  48. Help with raising credit limit

    By overtherainbow86 ,
    • 6 replies
    • 135 views

  49. How or when do you use/organize cash back on various cards?

    By smartlypretty ,
    • 4 replies
    • 79 views

  50. In Pursuit of High Scores and Higher Limits 1 2 3 4 6

    By MsIndependent ,   
    • 132 replies
    • 102,824 views

  51. Card recommendations

    By trec77 ,
    • 3 replies
    • 84 views

  52. The Master What Counts as a Consumer Finance Tradeline

    By hegemony ,
    • 3 replies
    • 96 views

  53. You may be broke and not know it

    By hegemony ,
    • 19 replies
    • 475 views



  • Our picks

    • Paying off CC Debt

      zpcsc posted a topic in Credit Forum,

      Hello, I've been playing with my cc debt for a while now. I've opened new 0% accounts as suggested on these threads. When the 0% is over I transfer it to another one with 0%, accounts that I already have open. Now with the situation that we are all in, it's going to be a little tougher to pay more than close to the minimums. We owe a total of $25k, I've also worked with my DH's available credit for the 0% cards. 
      I am so tired of this debt! Our credit is good over 700's. I've thought about a personal loan since we receive lots of promotions on these, are these loans personally guaranteed? 
      Years ago they weren't but so much has changed. 
      Thank you for all the suggestions. 
       
      • 15 replies

      Picked By

      Pam ,

    • Can you all please give me guidance on my plan of attack 😢

      Theirmomma posted a topic in Credit Forum,

      First thank you for all the knowledge posted here, I have followed CB off and on for over 10 years. 
       
      So here is me current credit Pic and I don't know what approach to take... except getting credit one and the AT&T charge offs removed.
      Once I receive me new unsecured Cap 1 I'm hoping that gives me a score bump because I really don't have any open accounts as you can see. Discover said no to their secured card 😢 I have been a member of NFCU since 97 but my account is dormant just need to deposit money in savings to make active. But I was thinking I need to wait until I clean up my TU and bring scores up before trying for their secured card.
       
      I'm assuming the student loans are hurting me but didn't want to contact them until I got better guidance from you all. 
      I could desperately use some guidance from you all
       
       
      Fico 8 eports & scores as of March 10 
       
      Experian 558
      Citibank AU $6500 limit $4977 =76% usage  - 9 years old never late - I disputed this account due to usage being high and it was removed- no change to my score 
      Belk AU $9000 limit $1666 balance = 20% usage- 20 years old never late
      Care Credit AU$4000 limit $0 -no usage - 8 years old never late 
      Sears - closed AU no negatives 
       
      CarMax paid closed $19,117 -opened 4/14 closed 7/15
       
      Acendium student loan 44 lates CO $2872 updated 8/16
      EDSOUTH student loan 10 lates CO $1750 account transferred to another office last update 8/16
      EDU SERV OF AMER student loan CO $1984 account transferred to another office last update 12/14
      FED LOAN SERV- closed exceptional payment history 5/15
      GLESI/ Bank of America -closed exceptional payment history 2/12
       US DEPT ED/ GSLI closed CO $1017 seriously past due last updated 2/20
      US DEP OF EDU/ GSLI closed CO $2701 seriously past due updaye2/2020
       
      Inquiries 
      Cap1 3/20 - unsecured card $300 limit in mail 
      Discover 3/20 - declined secured card 
       
       
      TU 509
      Belk - same 
      Care credit - same 
      CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17 
      Discover -same
      Sears-same
      NFCU AU- closed updated 5/23 $20k limit exceptional payment history 
       
      Carmax-same
      All the same student loan info 
       
      Collection 
      AT&T  Mobility $1206  collection opened 9/18 updated 2/20
       
      Inquiries Cap 1
       
       
      EQ 535 
      Citibank same 
      Belk- same 
      Care credit same 
      Creditone same 
      Discover same 
      NFCU SAME 
       
      CarMax same 
      Credit union atl $3803 CO auto- opened 4/11 CO 12/14 - consumer disputes 
       
      EDSOUTH GLESI SAME 
      EDUC SERV AMER same 
      FED LOAN SERV same 
      FED LOAN SERV same 
      US DEPT EDUC same 
      US DEPT EDUC same
       
      Inquiries 
      Cap1 same  
      • 25 replies

      Picked By

      MarvBear ,

    • BofA - Max CL/Based on Income?

      Rogue posted a topic in Credit Forum,

      Well as most of us know, BofA if nothing else, is at least fairly generous with their soft pull CLI requests on a regular six month basis. It has also been well established that BofA has a de facto MAX aggregate unsecured credit card limit of $99.9K for most mortals, however IIRC both Hege and PotO have exceeded this.
       
      So my question pertains to MAX aggregate BofA unsecured credit card limits in relation to total income so that we can set better/more realistic goals and expectations with BofA and not waste our efforts in pursuing limits beyond the BofA underwriting paradigm.
       
      My aggregate limits are just a fraction below 50% of total income, so how far should we push this?
       
       
      • 24 replies

      Picked By

      MarvBear ,

    • Nurse told me I’m in collections. Is that a violation?

      MrsMoneyBags posted a topic in Medical Billing & Medical Collections,

      So my ob office just called me back because I had a health question. The nurse told me I was due for an ultrasound but that they can’t schedule it because I’m in collections for $234. First, I had no idea we were past due but I’m not happy my nurse and probably my ob have access to my financial info. I feel like this could impact my care. I get being deactivated and not being able to schedule because of being past due. But the billing office should be the only one who has that info. If I called in, the receptionist should be the one to say they can’t schedule me until I talk to billing. It feels like a violation of privacy for the nurse to know bc it could impact how they see me and thus, how they care for me. Are drs and nurses allowed to know the billing info? 
      • 4 replies

      Picked By

      MarvBear ,

    • Medical Collections Reporting Wrong

      rcarteraz posted a topic in Medical Billing & Medical Collections,

      Hello, I filed bankruptcy in 2016. Since then I haven't really done much to take care of my credit. Stupid, I know. The main issue I've had is running high balances but I recently pulled my credit reports to see if there was anything else going on. I found two medical collections on my report from after bankruptcy. However, I'm almost positive the services are from before my bankruptcy. For one of the accounts it reports on Experian as IIB with no balance but on Transunion it reports as active with a balance. I tried disputing it via credit karma but transunion came back saying it was accurate and now there's a note on it saying it meets FCRA (see attached image). 
       
      For the other account I'm almost positive it was also a service from before bankruptcy. What's the best process to go about confirming this info? Should I send a debt validation or dispute it with the CRAs? I worry that won't do anything because it didn't help with the other case. 
      • 33 replies

      Picked By

      MarvBear ,
    View All

  • Posts

    • This is why you might not get approved for a new credit card right now

      By hdporter · Posted

      What I find more interesting is what follows that statement:     This betrays what's wrong with this article:  Almost everything set forth after an initial accurate premise (that banks tighten when the economy gets tight) is merely speculative -- there isn't a teaspoon of established fact to be found.   The article reads as little more authoritative than general "fortune cookie wisdom".   In the case of this gentlemen, I look for most here to agree that if it was "more than likely that <he'd> be denied", they wouldn't bother asking for the documents.  A request for documents to confirm ID isn't "to qualify them for a certain credit limit or product offering" (as the article goes on to speculate).  It's specifically in response to a growing tide of fraudulent ID-based applications.    
    • STBFDW's Vehicle Purchase

      By chicagorich · Posted

      STBFDW?
    • And so the COVID-19 job losses and evictions begin

      By TheVig · Posted

      One tenant found a new place to live this morning. The county jail.   Moron called the leasing office, and thought they were gonna leave an anonymous, threatening voicemail in regards to evicting people.   Moron didn't consider the possibility of caller ID before calling. Doh.    
    • Equifax Business Credit Error and Dispute

      By MarvBear · Posted

      Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum.   Again, welcome to the CreditBoards family!  CB Admin:  Pam, MarvBear, radi8, LKH & 😇breeze😇  
    • This is why you might not get approved for a new credit card right now

      By cv91915 · Posted

      For one Wisconsin man, who asked to remain anonymous to avoid any repercussions on future credit card applications

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