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345956 topics in this forum

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  1. Welcome New Members! 1 2 3 4 91

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  2. credit card spreadsheet 1 2 3 4 22

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  3. UnionPay Card

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  4. Best CU CCs?

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  5. Credit utilization

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  6. Busted 800 1 2

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  7. Business Credit Card

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  • Our picks

    • I guess my search skills are lacking, because I know we had a thread about the PayPal and other Suckrony product line slicing...but I cannot find it now.
       
      Anyhow, to add a datapoint, I got a notice this AM that my line got chopped by 85%.  This comes after having been stuck at $10K for some time now (since pre-rona).  Logged in to the account and tried for a CLI and got an insta-denial. 
       
      As of this AM, their Vantage 4.0 sKore is still showing me well North of 800, dinging me for a lack of real estate information (I have no mortgage) and the 'too high proportion of balances,' never mind that two accounts are reporting and make use of less than 1% of the total available lines.  One of the accounts has a balance of about $3K which represented less than 15% of that card.  I'm more inclined to believe Suckrony wants to cull the prime customers who don't have an absolute need to pay inflated interest rates and who only used the card for the occasional 0% offers.  
      • 13 replies
    • Hi Yall,
       
      Years ago this forum helped me completely clear my CR's and I swore I would have perfect credit forever. Then COVID.
       
      That said, I have been thru many many posts to try and refresh my memory on best steps but there are so.many.posts. It looks like since last I was here (2007 or so) not much has really changed but I'm getting confused on what my best approach is with PRA.
       
      I am in California. Debt is outside of SOL. I disputed the tradelines (they have like 5 accounts of mine) with the CBs hoping for a lucky break. Yes that was a mistake.
       
      Is my best approach the FOAD letter? Or is there another approach I might be missing?
       
      Any help is much appreciated, thank you!
      • 42 replies
    • This Saturday morning, I applied for a $1000 loan from some site that I believe we could call subprime. I was just denied payments on a new phone device from my service provider in their application last night. I filled out the app and.. IF I sign it, I have not yet signed..
       
      $200 loan to be Monday morning and I will have to pay back a grand total of $534.99 - in interest.
       
      I'll post some of the information below but the part of me I'm thinking that I should take this just for the sole purpose of building up my credit report to show positive installments because I can afford to make the payments that they're talking about.
       
      I have never encountered a loan that was issued by a financial institution in Canada and as far as I know all of this is in US dollars.
       
      Here is some more of the info.
       
      Would you sign and therefore accept the loan, or would you not sign and leave it be?
       
      Your payment schedule will be:
       
      Number Date Amount Due 1 10/07/2022 $30.62 2 10/14/2022 $30.62 3 10/21/2022 $30.62 4 10/28/2022 $30.62 5 11/04/2022 $30.62 6 11/10/2022 $30.62 7 11/18/2022 $30.62 8 11/25/2022 $30.62 9 12/02/2022 $30.62 10 12/09/2022 $30.62 11 12/16/2022 $30.62 12 12/23/2022 $30.62 13 12/30/2022 $30.62 14 01/06/2023 $30.62 15 01/13/2023 $30.62 16 01/20/2023 $30.62 17 01/27/2023 $30.62 18 02/03/2023 $30.62 19 02/10/2023 $30.62 20 02/17/2023 $30.62 21 02/24/2023 $30.62 22 03/03/2023 $30.62 23 03/10/2023 $30.62 24 03/17/2023 $30.03 Total Payments: $734.29  
      Green Funds Group DBA GFX, 12 Simon Road, Kanesatake, QC, J0N-1E0
       
      LENDER INFORMATION BORROWER INFORMATION Green Funds Group DBA GFX
      12 Simon Road, Kanesatake, QC, J0N-1E0
      Customer Service: 1-833-381-1202
      Email: clientservices@greenfundsexpress.com
      Website: www.GreenFundsExpress.com
       
      • 11 replies
    • I am in New York.  Two days ago I discovered a hold on a portion on funds in my Chase Business Checking account.  That same day I received a letter from Chase
      advising me that they received a judgement filed/dated July 2018.  I called the agency and it was from anesthesiologist charge from 2013.  
      I was never served, even though there is an accompanying affidavit of service (I was able to get both docs from the court via email).  That affidavit is a joke, as
      has a description of me that is hideously off -- even my skin and hair color although I like that they also made me twenty years younger lol. I am not trying to get out of paying but I would like to work out a payment plan. A few questions :
      1) Are they allowed to freeze my Business Account for non business related debt?  
      2)I am in private practice (psychologist).  My bank, Chase, will not allow me to  deposit credit card payments (they are actually virtual credit card payments received from one of the insurance companies until switch to direct deposit is completed) .  I was under the impression that deposits are permitted and only withdrawals (beyond the amount available)would be a problem.  A bit confusing.  (Also, virtual credit card payments are really more like debit/cash card payments , so there would be no issue regarding enough  funds available in the acct to cover, for example, if the "card" or deposit was  "bad" or could not be collected for some reason.  I have deposited many virtual card payments in the past.
      3) I  retained a lawyer -- only to vacate judgement and perhaps see if a payment plan could be worked out.
      I would appreciate thoughts re questions above, if possible, and any other advice , recommendations anyone can share.
       
      Many thanks in advance!
       
      P.S.  My credit has been good for some time now.  I really hope this does not show up.!  Haven't checked yet..
       
       
      • 8 replies
    • I see a fantastic way to finance a new computer on Amazon for a ridiculously low rate, but I am worried that Affirm would make my credit profile look bad. I have scores around 760 on all 3 major bureaus. I have 3 cards, Cap One Quicksilver $4800 (Rebuilder, started at $500), Navy Federal Cash Rewards $25,000, and Navy Federal More Rewards $25,000.  I also have a new mortgage $144,000 from a few months ago plus $7900 in Student Loans. I just don't want to hurt my credit long term trying to get a great short term deal.  Thank you for your insight!
      • 22 replies
  • Posts

    • The post office didn't have the seasonal stamps I wanted so I went with the Peanuts ones instead.   In the coming days, I will mail my CenterPoint Energy payment, and Peppermint Patty seemed the best fit since she's the more athletic (energy) one.   However, I am not at all sure how the other queued mailings should be matched up to the proper characters.     Based either on the type of card, the issuing institution, the geographic destination, or any combination of these, which characters from the strip do you think are the best fits for   Chase Sapphire Preferred (to Carol Stream, Illinois) Bank of the West (BNP Paribas) cash back mastercard (to Alameda, California) J Crew (Dallas) Merrick (Dallas) Verizon - phone bill, not a credit card payment. (Newark) Discover (Carol Stream again) Bank of America Unlimited Cash Rewards Visa (Dallas) US Bank State Farm Good Neighbor Visa (St. Louis) FNBO Signature Visa (Omaha) Barclay's Aviator Red mastercard (Philadelphia)   I would point out that the last time I mailed a payment to Barclay's, it was from the main post office in Anchorage and it still took eight days to get there.   It got there late.   Gross.
    • Technically we are in agreement, @MarvBear.  However, after I added a paid Affirm account, I started seeing a related negative credit factor in my scoring report.  (I forget, in this moment, what the descriptor was.)   However, any impact on my actual FICO credit score was minimal.  And, after having aged for awhile, it was no longer flagged.
    • So lovely for the investors to have it confirmed that they were investing with an intellectual child.  And, as far as the suggestion that B-F didn't realize that he was putting investor capital at risk ... an open admission of fraudulent negligence.
    • A well paid Affirm account will not reflect unfavorably on a credit file.
    • What he meant was, "I really want to argue with you, but I won't." If he were to have chosen to argue with you, I would imagine he might have said that an Affirm account will be a stench on your reports for 10 years and having it there will not "strengthen your credit profile" in any way. 
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