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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

    • exactly. CBC INV is merely a puller of a trimerged report.. it can also provide FF reports.
    • True, but since as per the OP the public record of the judgement doesn't have either the DOB or full SSN wouldn't NCAP apply?    I thought that CBCInnovis, which is distinct from Innovis, didn't maintain their own database but instead only forwarded reports pulled from the selected CRA which in this case it sounds like Experian.     If I'm correct on both items then something doesn't ring true since a judgement was reported that Experian wouldn't have been permitted to report.   Question for the OP: how long ago did you last obtain a written copy of your credit report directly from Experian?   edited:  by the same token I would see if you can get a copy of your Experian-provided data from CBCInnovis as well.   I wonder if they provided old data.    
    • Understand.  Was just reporting on an alternate option to doing that to save the 2.9% fee and the possibility of a CA (although likely remote).  As I mentioned before, I did this with various other cards without issue (processed as charge), but not specifically with Disco... You can also specify it's for payment of goods/services (rather than send a friend money) and the 2.9% comes out of "his" funds rather than yours (you send $1,500 he'll receive ~$1,456), like if you were buying something off Ebay.  Another option is to send a smaller test amount of like $50, make sure it works OK then send the remainder if you can't utilize the feature of paying a merchant with PP.
    • https://observer.com/2019/07/apple-credit-card-must-know-information/      
    • https://www.livemint.com/companies/people/hogg-mastercard-ceo-who-introduced-the-gold-card-dies-at-91-1563636327883.html      

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