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  • Our picks

    • I was wondering if I can remove my report from chex, since I need to wait 5 years for it to be removed....
      just to be clear, nothing has been made by error here, I had a negative checking balance, I didn't pay it and the bank closed my checking account, but I paid the amount 4 month ago, and chex said it will take 5 years to be removed..., obviously right now I am facing some/almost huge limitations with all type of creditors even with a credit score of 795+
      is this a Fair Credit Reporting Act?
      What's the fastest way to remove them?!
       
      Thanks a lot
      • 9 replies
    • We were foreclosed upon in September of 2018, and when combing over the documents I noticed the foreclosure attorney signed off stating I had been served in person by the sheriff. I was not even in town on the day of service, and the Sheriff's Foreclosure Notice Return document clearly states copies were left my husband. I am going to look for an attorney to file a Motion To Quash the foreclosure judgement as it is my understanding that a notarized Affidavit of Service means the attorney verifies all the documents are correct and in order - which they were not.
       
      I know it is a long shot, but if there is an attorney from NC on the boards, I'd love to know how long the MTQ takes from filing the paperwork to the mark vanishing from our public record. We are hoping to apply for a mortgage in March and would love to know if this is a realistic timeline.
       
       
       
       
       
       
      • 6 replies
    • My TU score just took a 50pt dive
       
      My original mortgage was in forbearance (was furloughed for several months due to Covid-19) and I had setup a repayment plan. I had made the "downpayment" they wanted to start the repayment plan and then I'd paid the first modified payment (5 more were left)
       
      They then transferred the servicing of the loan to a new servicer and closed the original count and it's showing as Closed 30+ days late (at least....not sure the details but that's what the MyFico alert reads)
       
      Is there any chance of submitting something to them to request goodwill?  My payment history is absolutely perfect except for this new one and it dinged pretty hard.  What would I even send to them?
      • 2 replies
    • Hi All,
       
      After alerting them NUMEROUS times of my change of address, the absent minded, neglectful billing person  did not send my small medical bill to my new home and my account went to a collection agency on 12/31/20.
       
      I always pay my bills on time, so I am worried about the impact this will have on my credit.  
       
      If I pay my bill today 1/8/21 or or Monday, 1/11/21, will this impact my credit negatively? 
       
       
      • 3 replies
    • We have a medical collection that was posted August 2019.  What is the best way to go about this since it is a more recent collection. Do I still do the HIPAA dispute before the HiPAA letter process? I read the guide and this is what I understood from there and searching but just wanted to confirm.
       
      Thank you so much for your help!
      • 9 replies
  • Posts

    • 2017 + 7 = 2024. So it can be reported for another three years or so.  Although you mentioned wage garnishment. That would require you to have been sued. Which would change things (not for the better). Let’s assume that this unnamed CA was BSing you about garnishment and this is just a typical CO account. It can be reported as long as it it reported correctly.  You’ll need paper copies of your reports from the CRAs to know for sure who is reporting and exactly what is being reported.    Once you get your reports properly, update the post with exactly what is being reported (excluding PII, obviously) and assistance can be provided. Without that info, it’s not possible to give useful advice.    Hopefully the dispute you mentioned wasn’t done online. 
    • It's difficult to comment intelligently without knowing how the tradeline in question reported up until now.    I have to imagine that the tradeline previously had been set to a charge-off status.  If that's the case, then the new charge-off entry isn't going to tank your score in any respect.  (Recent pdating of the tradeline may cause a bit of a negative dip, but if so, it's likely that the update from entering into the Optima program would have had the same impact.)   @DPB has this nailed when he suggests keeping your anger/frustration in heavy check when you follow up with Amex.  Start out by getting their explanation for the reporting update and proceed from that to devise a strategy that has a shot at improving the situation.  
    • FTFY. Going in hotheaded isn’t going to get you anywhere. Perhaps there’s a reasonable explanation. Perhaps not. But if you start with an attitude you’re shooting yourself in the foot.    Unadvisable. You authorized the payments. It isn’t fraud. Amex didn’t take the money from your bank account without authorization. If you can’t achieve a resolution that complies with your latest agreement with Amex, there may be legal remedies that you could pursue.
    • AMEX BBC I think it opened at 10k transferred another card to it at 47k now
    • SIGH.  I knew that.  FYI:  If it is reporting as a "factoring company" it is not a collection agency.  The debt is likely sold to a junk debt buyer.   WHICH JDB is reporting?  

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