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    • 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  
      • 22 replies
    • 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?
       
       
      • 15 replies
    • 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
    • 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. 
      • 23 replies
    • Hello, this is my first post.  I’ve spent time reading some recommended posts from “start here” but some of it became a little confusing/overwhelming so hopefully I’ve read enough to make my first post.  
       
      I first used one of my free annual credit reports in 2016 through Experian and the following information was reported negatively:
       
       
      1) 60 days late as of Oct 2013
      status: paid, closed. 
       
      2) 60 days late as of Sept 2013
      status: transferred, closed. 
       
      3) Debt collector date opened 9/2014
      Status: past due 
       
      4) with an old bank account I had a few 30-day late months but was then current and it was never 60 days late.  The last time I was late was Nov 2012.  My account closed in 2014.
      Status: paid, closed. 
       
      5) sent to collections
      collections opened 8/2012
      status: past due as of 2015
       
      6) sent to collections
      Collections opened 8/2013
      Status: past due as of 2015
       
      7) Past due as of 11/2012
       
      8) past due 12/2012
       
      9) paid in settlement. last reported 7/2014
      10) paid in settlement. last reported 7/2014
      11) paid in settlement. last reported 7/2014
       
      12) as of June 2011:  transferred, closed
       
       
      I used Experian again in 2019 for an updated report.  I likely need some help finding the updated information please.   I printed my report in 2019 and it looks a lot different and it’s shorter.  
       
      my current credit score as of today is 672 according to Experian. 
       
      I met my figure husband in 2014 and he has helped me a bit but we don’t know all the right answers.  He has a high credit score and since we’ve been married he’s added me as an additional signer on his two credit cards.  We keep our usage of available credit low, usually around 10% and we pay in full every month.  I believe this has helped my rating climb from in the 500s to where it is now.  
       
      QUESTION 1)
      Now that my score is above 670, would it be helpful if I applied for my own credit card, and linked it to our bank account to pay in full every month, or do I get the exact same credit benefit form being added onto his cards?
       
      QUESTION 2)
      I read information on this form discussing the removal of old addresses.  I have two old addresses on my account.  I left both prior to 2014.  
      On this same topic I have 2 old phone numbers linked to my account. 
      I assume I need to keep all of my names (madden names, with and without middle initials Etc) but there’s one name listed for me as Alii not Ali, should that be removed too?

      QUESTION 3)
      I just looked at my free Annual report from Experian in 2019.  Should I use one of the other 2 soon and see what those reports say? 
       
      QUESTION 4)
      where should I go from here.  How am I to begin repairing past credit?  I’ve been solid the last half decade so moving forward things will be ok, i’m just still dealing with the past.  Maybe all I can do is wait until enough time passes but I’d be grateful for any advice. 
       
      • 28 replies
  • Posts

    • I am with you PenFed. They are currently plaguing my EQ and EX reports. I have an unpaid CO with them that I have been disputing for a while. On Experian, it is missing the entire payment history for 3 full years before the account went late in 2017. It also says "first payment never received", which is a blatant lie. There are similar issues on Equifax. I have been disputing for nearly a year, and now I am working with a lawyer to sue them as well as the bureaus for not fixing it. We hope to get a settlement of the full debt being forgiven and the account being deleted, as well as cash from the bureaus. I am also asking my lawyer to leverage our position to get all of my remaining negative items deleted. I have about a year's worth of evidence showing all 3 parties screwing up over and over again, so I am excited to see how it goes.   But just know you are not alone. PenFed is incapable of correctly fixing a dispute. I even sent them a direct dispute showing the issues with the reporting. They responded back saying everything was accurate and that nothing would change. I tried the CFPB, which was also useless.
    • You might also check out Mint. It's free, but it does require some work to keep it going and to categorize transactions. I pay all my bills through the individual creditors' websites, but I use Mint to track my discretionary spending. Most of my bills are the same every month, but I tend to splurge at the grocery store or on eating out. I don't really do much shopping/spending other than on those things. I also make sure my bills all get paid on payday so there is never any chance I spend my bill money before they get paid. I also pay my credit cards in full every payday as well.
    • A very interesting thread. After having a financial disaster in 2017, I have since settled most of the accounts I had that charged-off, except for 1 big one I am waiting out the SOL on (come on January 2021!).   One of the banks I burned was Elan Financial Services for Fidelity Visa Signature. I know they are part of US Bank, but I wonder if I would be blacklisted from US Bank or just Elan? I would really like to have the Cash Plus. I would even consider parking money in the US Bank secured card to later PC to Cash Plus if I had to. You just can't beat 5% on utilities. Does anyone has experience with this situation?   The other blacklists I am on are BofA, Citi, and Chase. Chase is probably the only one I would want a card with ever again, but who knows how long I'll be on the blacklist considering that I settled the account in 2019 and the card went to a CO status in 2017. They also settled at about 14%, so they did lose a lot of money on me. The grudge may last a VERY long time.....
    • I have Geico and it looks like they are doing a credit of 15% of all premiums for the full 6 month term (at least that is how it reads). They are calling it the Geico Giveback Credit. My full premium for 6 months is $903.33, so I should be getting a credit of about $135.50 when my policy renews on April 21st. But I am unsure if they are crediting the premiums for the current term or are crediting based on the cost of the next term.   Just as an aside, I have two cars and two drivers on this policy. One car is fully covered (2018) and the second vehicle is paid off, so I am only carrying liability and towing on it. My spouse and I each have at least 1 claim on our records, so that's one reason it is a bit high. Thankfully, those are all falling off this year. Geico also pulls my TU when the policy renews, so I am hoping my newly achieved 801 will help it go down some.   https://www.geico.com/about/coronavirus/
    • Wow that sucks, yea when I applied over the phone nothing was mentioned about my frozen chexsystems nor my experian, now i'm debating if I want to keep the Ally account lol, if first tech business account allows me to zelle, that than i can just zelle myself my pay, I'd prefer t on have personal and business same financial institution. And not have to deal with multiple. I don't know how people can have more than 1 account for personal things.

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