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

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  2. Welcome New Members!

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  3. credit card spreadsheet

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  4. 1-2 punch flow chart

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  5. CB list of lawyers

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  7. Other topics
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  8. FNBO & Fico Triad

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  9. Cap 1 question

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  10. Citi Visa

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  • Our picks

    • I just wanted to share my nightmare/success story.  My credit was in the toilet many years ago.  It took me a while but last year I finally made it into the FICO 800s across the board no lates and low utilization.  Happy as ever.  Then I bought a gift for a wedding on my Macys card online in April.  Forgot all about it as I rarely use that card.  Long story short, my bill is emailed but goes to my promotional gmail folder that I never look at and somehow they had a very old phone number for me so I had no clue.  I got a notification from myfico.com stating your score dropped 69 points due to 30 day late.  WTF???
       
      I was in a panic pacing tears in my eyes,  Me late?  Not in over 15 years have I been late on anything.  I called Macys twice...sorry your fault you need a valid reason etc.  I paid my bill in full immediately ($119) then decided to write letters which I never had the chance to send.  I kept getting credit notifications and refused to look at them because I felt sick.  I finally looked yesterday and ......WHAT??????  Credit scores jumped up 69/65/63 on all 3 bureaus and stated my status went from 30 day late>pays as agreed!  OMG!  Not sure how or why but I will NEVER let that happen again and signed up for auto payments on everything.  I thought getting late removal was very low chance but it can happen!  
      • 6 replies
    • I have an Amex blue cash credit card with zero introductory  plan it feature that helps you finance anything over 100$.
       
      What happens to credit utilization rate if I have 1000$ credit limit and I finance a 1000$ purchase for 10 months? Is it gonna be %100-%90-%80 or %10-%10-%10?
      • 8 replies
    • My son in college, playing baseball was injured and sent for an MRI. They used my insurance information. I never received a bill. I was expecting the school to cover the bill since the baseball coach and AD sent him for the MRI. Anyway, we recently pulled his credit file and its showing as a collection on his reports. I disputed as "not mine" but it came back as confirmed.
       
      How do I proceed????  contact the school 1st? Why Chat do I just follow your procedure?
      • 9 replies
    • Here's where I am.  My goal is to get my credit score to 650 for a mortgage and I currently have a 620 (after initial disputes).
       
      Opt Out Done Dispute Addresses Done Initial Dispute Done I did not dispute any medical accounts (i don't have the money to pay them offc  
      The initial dispute went fairly positive I would say 50% of all accounts that I have were deleted. I guess where I'm stuck is what do to next for thr accounts that were validated.  They where things like utilities and credit cards.  I'm far outside my initial 30 days and some accounts are within their SOL.
       
      Thanks!
      • 12 replies
    • I got a letter back in June of 2015 from Weltman, Weinberg & Reis out of Ohio  saying they were trying to collect a debt for Progressive insurance in the amount of $2700. This was related to a motor vehicle accident that I wasn't even involved in. Someone was using my license plate on a motorcycle that I sold him without my permission and he had no insurance or registration. It was a pretty standard debt collection notice but I hadn't yet started writing my own letters so I hired a local attorney to send them a request for validation. They never responded to his letter but they did try and collect a couple months later. The attorney called them and advised them they were way outside the 30 days and were in violation of the FDCPA. 4 years go by and I get a certified letter saying I'm being sued by the same debt collector except now they have tacked on another $3000 making it $5700. The original incident took place in October of 2013 so we are only a couple months away from the 6 year statue of limitations. If they are trying to scare me its working and I am more than pissed off that this is coming back around again. I am going to talk to a new attorney on Wednesday but this seems to me like a clear cut violation. Then I realized the debt collectors address is now Philadelphia and that is where I have been getting dozens of calls from over the last couple months, also violations of the FDCPA. I'm also considering contacting the FTC and the BBB but I wanted to talk to the lawyer first. I kept all the correspondence from 2015 also. Does anyone have any input or advice for me?
      • 31 replies
  • Posts

    • Two medical collections on my reports from a couple years ago.  One from Kansas Counselors (KC) and one from Hawkeye Adjustment (HA).  These are the only 2 derogatory things on my reports.   1. Opted out 2. Sent the initial dispute letters to all 3 CRAs on 6/2/19. Hand written, hand addressed, etc.   2a.  Received an answer from TU and EX, both on 6/14.  TU removed HA, left KC and EX left them both.  Nothing back from EQ but it looks like they removed HA last month and then HA re-reported this month. (July)   I don't have any statements or bills or anything on these accounts.  The CAs haven't even called me or sent me anything.  I pulled the OC names off my credit report and googled both of them to get phone numbers.  I called them and just asked if I had an account.  One was yes, the other is my son (he's a minor).  I got account numbers, exact amounts, dates of service and mailing addresses.   My question:  Should I still do the CA DV letters or just send out the HIPPA letters and payments to the OCs since I have the information I need?
    • Hello,   Does anyone have any experience with FNBO lowering credit limits due to the Fico Triad reports?  I got an alert that my account got slashed in half from 30k to 15k, and there is apparently no appeals process.   I do not have the letter in hand yet since they did this on the 15th and immediately reported it.  I am tempted to just close the account as I do not use the product as much as I did in the past, and they never provided soft CLI's, always hard for me. So I do not feel like I should have to take a hard to get it back, plus seems unlikely if they love these new triad reports. 
    • not an issue. they have interest saver payments each month where you pay both off.    also i was gonna cut pay on overpaying on the 10% loan and allocate it to the zero percent loan. but without doing a spreadsheet i cannot ascertain if thats a good idea or not
    • If you have a card that you're carrying a balance on a promo BT, I would not recommend also using this card to make purchases.  You lose your grace period on purchases, and you may wind up paying interest.  You need to read the fine print to see how they allocate payments, as most will apply your payment to the BT balance, thus causing you to be charged interest on your purchases.  
    • i had done a spreadsheet with a hypothetical 1100 amount for the following offers with the goal of paying off the BT in full by the end of the term.    Discover 0% for 9 months with 3% fee or 6% for 15 months with 3% Cap 1 0% for 12 months 2 % fee   but then it hit me. it pays to transfer the most i can while not to max out the cap 1 card or put it near the limit (and leave room for daily purchases). then just pay as much as i can. for example if i put 4K BT on the cap 1, thats taking 4K from my other loan with a 10% rate and saving me that 400 bucks guaranteed minus fee. then can transfer back to that loan with no fees or move to psecu with 2.9 no fee depending on the best circumstance at the time. 

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