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    Credit-related news and articles

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


341,980 topics in this forum

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  1. how long for credit history

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  2. I DID IT

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  3. Repo Question!!!

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  4. Is it too late to send a DV letter?

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  5. what is whychat's link

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  6. Will a paid medical bill ....

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  7. Experian

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  8. Free credit reports

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  9. Will this boost my scores?

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  10. Experian Tel # for Disputes?

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  11. Tate & Kirlin

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  12. DOLA and BK

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  13. LOC vs Home Equity loan...HELP???

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  14. Does DCU report to TU

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  15. 516-616-4023

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  16. Chat....real quick

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  17. Credit Scores!

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  18. Another ?? Who pulls TU in Nevada??

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  19. Experian Results

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  20. Dell CL?

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  21. woohoo!!

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  22. need help!!! what do I do now?

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  23. Which would be best?

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  24. Which CRAs does Dell pull?

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  25. poof...and their gone..

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  26. poof...and their gone..

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  27. poof...and their gone..

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  28. Disputing negative credit items

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  29. Disputing negative credit items

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  30. REPO in TEXAS

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  32. validation after payment arrangement

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  33. Sherman/ Alegis help?

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  34. Conflicting Credit Scores.......

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  35. Help me with CROSS COUNTRY & MIDLAND

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  36. HELP with CAP ONE

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  • Our picks

    • I am a newb here although lurking for years and I am finally ready to start the credit repair journey. I have dreaded this day but burying my head in the sand has not worked out for me at all!
      I do need some advice on what to tackle first. 
      • 21 replies
    • Can someone please advise me on what to do with my unique student Loan issue. I took out a loan around 2006 with Salle Mae to pay for school but later found out that I could not get the funds due to academic issues. I had to withdraw the previous semester due to a death in my immediate family. The school never dispersed the funds to my account and I did not sign a check (we had to sign the check back then before the school would disperse funds). For years I thought that the funds were returned to Salle Mae until one day I pulled my credit report and found out that the debt was still being reported. I then filed a dispute with the credit bureau and the debt came back as accurate so I contacted Salle Mae/Navient to verify the debt. They could not provide proof of the funds being dispersed and told me to contact the school. I have emailed and called the school and they have no record of the debt being dispersed on my ledger(because it wasn't!) and just stated that maybe it will show in an older system. As of today this debt has been sold to Navient and I am paying on debt that I do not owe! I have to fight and get this removed as I am not getting anywhere with the credit bureaus, Navient, or the University and no one can prove that I owe the debt. Navient did send me a promissory note that was signed but the funds were never dispersed. I couldnt even qualify for the funds at the time as I did not meet the academic requirements for dispersement. Please help me! 
      • 4 replies
    • I'm looking for input on what cards to app for. My bk7 is off of my EQ and EX, and should be off TU any day now. I'm trying to accomplish several things with this app spree.
      1. Maximize my rewards on my spending.
      2. Establish/reestablish positive relationships with lenders that may be of benefit me in the future.
      3. Broaden my base of cards so that, once these are aged, getting a new card here or there will have little to no impact on my AAoA. I am planning to nearly double my current number of credit cards(10). This will hurt my scores significantly in the short term, but should make my credit more solid over time. 
      Cards I currently have:
      Fidelity Rewards
      Chase Freedom
      Discover IT
      USAA Rewards Amex
      Wells Fargo Cash Back
      NFCU Platinum
      Barclay Rewards
      Penfed Platinum Rewards
      State Department Platinum Rewards
      My list of cards that I am considering, with purposes in parentheses:
      Citi Double Cash (reestablish a relationship with Citi while giving me another 2% option)
      US Bank Cash+ (5% categories)
      Amex BCE (3% at supermarkets)
      BOA Cash Rewards (3% category)
      Amazon Prime Rewards Visa (5% at Amazon)
      Capital One Savor One (3% on dining and entertainment) (I am already getting 3% on dining with my USAA Rewards Amex, so this one may not be worth my interest)
      State Department Cashback Rewards Plus (another 2% card with no redemption hoops, plus cell phone protection, extended warranty, CDW, trip cancellation)
      USAA Cashback Rewards Plus Amex (5% cashback on gas)
      Chase Freedom Unlimited (Considering this one only for the $150 bonus and to get another Chase card before I go over the 5/24. I really don't see any use for it otherwise. The Freedom Card which I already have is their only card that seems particularly useful to me) 
      ETA: Looking at the Chase Ink Business Cash (5% categories +$500 bonus) I'm just wondering what potential issues there are with using a business card for personal expenses?
      I would appreciate any suggestions of other cards that may be useful, or input on the usefulness of cards I am already considering.
      • 23 replies
    • An old CapitalOne credit card was charged off. It went to collections and the collections account appeared on my reports. The original CapitalOne credit card disappeared from two reports but is still on Equifax.
      Do original creditor accounts that are charged off usually stay on your report after they're sent to collections?
      Is there any way to get the original charged off account off of my report? It seems odd that basically the same account can show up as two negative items. If it can come off, can you please help me find some resources to help get it off? I found this article but it doesn't help much: https://blog.credit.com/2012/08/credit-report-double-jeopardy-means-double-damage-61199/
      • 5 replies
    • Back in July I put 100k on various credit cards to invest in a venture.  Was supposed to be paid back by end of Nov but ran into a few pitfalls and am now looking at Apr 1.  I currently owe about 55k . . I have 125k in available credit 131k if you include Walmart. My experian also has a 24k authorized user card so it lists available credit as 155k and is my highest score .
      Nfcu 25k /34k limit
      Amex 7k/25k limit
      Boa 19.5/40k limit
      chase 3300 , they closed my card because of my activity , it was only 2 months old.  This has 0 pct for the next 15 months.
      I also have a discover card that I pif that reported 980 last month and has 1300 on it this month.
      Current scores are 720 EXp, 704 Eq and 698 Tu
      Would like to get my scores above 740 by mid January as I will be financing a 2017/2018 used car and want the best rate.
      All cards are currently paid above minimums for January and i have an additional 10k minimum and possibly up to 15k to use for payments.
      Question 1.
      Is there any advantage to not letting Discover report.  I can push that 1300 off till Feb 6 without interest.
      Question 2.
      My EX only dropped from 714 to 709 when Chase reported it was closed.  Reports were 7 days apart, so is it advantageous to 0 that out even though I have 0 pct and am paying 150 pct of the minimum monthly.
      Question 3
       Before taking into account the auto financing I had been attacking my BOA card because that was the highest rate and NFCU the lowest.   Will i get a better bang for my buck if i get my NFCU under 50% vs paying down BOA.
      Question 4
       the last month I have been turned down for CLI from Discover, and my 2 Cap Ones based on my high utilization even though those are 9 balances.  I also have a 6k limit Pennfed that i got in August before all these reported.  It is 0 pct but i have not transferred anything because of the low limit would it hurt to transfer 2900 to that card or  just leave it alone.  I also have not asked for a higher limit because I dont want to screw up and get that card closed.
      Last Question
      In my Boa online they have been telling me that I have a special offer for a 0 pct free balance transfer offer.  Is there any downside to applying for that .  I have not seen any talk about Boa special offers if they usually get approved or not.
      Thanks for any suggestions.
      • 9 replies
  • Posts

    • If you have the document that would have been sent by the bureau and that reflected the removal, then you make one last effort to dispute the matter IN WRITING.  The next step is to commence your litigation.    Be advised, however, that strictly speaking, not getting a mailed statement does not absolve a cardholder of their requirement to make payment on an account where payment is due and owing.  In the era of online account access, there is precisely zero reason for someone not to be aware of the amount due and the date that payment must post by.  Further, in order for a matter to have been a reportable late, it was actually an account that had missed two internal due dates.  The initial late is not a thirty-day reportable but WILL have a late fee.  It is when the account has gone 30 days BEYOND that initial due date that triggers the reportable event...
    • Welcome to Crediboards! 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: LKH, Pam, radi8, breeze & MarvBear  
    • I have some credit card debt for one card to pay off or pay down and the 25% interest has kicked in. I'm looking to eventually apply for a mortgage and would like to be in the best position possible. I would like to know the best method to pay it down:   1. Simply paying down the debt. At the moment the interest is higher than the principal. At the moment I cannot pay more than the minimum amount due. 2. Apply for a card with 0% for a period of time to transfer the balance. 3. Use a 401k loan at 5.25%. The monthly payment will be less than the credit card up to a certain point. It also will become income if I change companies. I positive thing is that the loan will not show on my credit report.
    • So I've got huge balances I put on my amex biz plat each month (and PIF), but this doesn't report to my personal credit as its all under the business.    That said, I have my amex personal plat that DOES report to my credit each month, but I dont typically put larger balances on it (always PIF)    If higher balances showing on personal would benefit my score, then I'd can easily shift over some of the biz purchases to my personal card for the reporting benefit and then turn in the expenses for reimbursement. (I own the business, so I can do easily)   Wanted to know if charge card balances reporting tend to typically affect your score and if this would benefit my score in any way?
    • I used the original boxes for monitors and computers for transporting on air and moving cubes. They survived.
      Do you have the original padding?

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