Please consider disabling your adblocker for CreditBoards if you have not already done so. This site depends on advertising revenue to stay online.
Credit Forum
Credit Reports, Collections, Credit Cards and related discussion
Subforums
-
- 1,719
- posts
-
- 22,734
- posts
344,362 topics in this forum
-
Pinned topics
-
- 1,285 replies
- 692,706 views
-
-
- 130 replies
- 410,433 views
-
- 2,239 replies
- 343,132 views
-
- 899 replies
- 283,673 views
-
- 960 replies
- 275,744 views
-
- 524 replies
- 217,231 views
-
- 81 replies
- 187,817 views
-
- 106 replies
- 158,281 views
-
- 1,655 replies
- 157,160 views
-
- 2,310 replies
- 142,845 views
-
- 140 replies
- 123,796 views
-
- 84 replies
- 121,361 views
-
- 438 replies
- 110,306 views
-
- 130 replies
- 103,441 views
-
- 116 replies
- 103,291 views
-
- 123 replies
- 102,988 views
-
- 55 replies
- 93,510 views
-
- 92 replies
- 89,550 views
-
- 107 replies
- 88,648 views
-
- 239 replies
- 87,872 views
-
- 108 replies
- 87,043 views
-
- 130 replies
- 82,077 views
-
- 51 replies
- 79,502 views
-
- 81 replies
- 74,527 views
-
- 118 replies
- 62,688 views
-
- 74 replies
- 61,715 views
-
- 61 replies
- 58,107 views
-
- 108 replies
- 56,414 views
-
- 150 replies
- 55,815 views
-
- 84 replies
- 52,753 views
-
- 37 replies
- 44,761 views
-
- 40 replies
- 42,397 views
-
- 5 replies
- 41,770 views
-
- 40 replies
- 36,536 views
-
- 22 replies
- 28,706 views
-
- 17 replies
- 25,269 views
-
- 0 replies
- 23,398 views
-
- 4 replies
- 22,817 views
-
- 32 replies
- 22,736 views
-
- 1 reply
- 22,275 views
-
- 0 replies
- 20,193 views
-
- 0 replies
- 15,280 views
-
- 20 replies
- 13,616 views
-
Other topics
-
- 3,673 replies
- 851,706 views
-
- 16,777 replies
- 781,230 views
-
- 3,574 replies
- 764,165 views
-
- 143 replies
- 396,727 views
-
- 8,753 replies
- 367,332 views
-
- 1,440 replies
- 342,627 views
-
- 31 replies
- 320,696 views
-
Recently Browsing 0 members
No registered users viewing this page.
-
Our picks
-
Chex Removal BOFA(negative account)
Art2049 posted a topic in Chexsystems Help,
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- 10 replies
-
North Carolina Affidavit of Service flawed and fails to support the Sheriff's Foreclosure Notice of Reurn
Howth posted a topic in Foreclosures/Loan Modifications,
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
-
Mortgage Forbearance - mtg transferred to a diff servicer. Original now closed as 30+ days late
Roland99 posted a topic in Foreclosures/Loan Modifications,
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
-
Medical Collections and Credit
mel2021 posted a topic in Medical Billing & Medical Collections,
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
-
Medical Collection from a year ago
rabs posted a topic in Medical Billing & Medical Collections,
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
-
Double check to make sure this is still current, but last I checked Schwab was among the very small handful of places that refunded all ATM fees, including international, and also charged no FTF on withdrawals. I've never opened a Schwab account for this purpose since I'm too lazy, given how little paying USAA just the 1% FTF has cost. -
I revived an old USAA account recently, but didn't know about the immediate avail of mobile check depo. Is there a max $ amount on this instant funds? If you have a USAA CC, do you know if you make a payment from your USAA account does the available credit update immediately also? -
By Allkindabroke · Posted
YMMV I found out my BK dropped off my report 3 months before I expected it from CK. They have consistently been the front runner to alert me about changes to my reports which later reported on the once a month cycle of my experian account. I know what the board says. I also know my own experience. CK serves a purpose and if they go off the rails beyond this incident I won't be entertained, I'll just get rid of the account. -
But then they squish when they walk...that doesn't sound too cozy. -
CrapOne runs close to a Rule 5000 reaging process. If you satisfy the three month payment, the negative reporting is generally removed. I say generally since there is always the outlier that chimes in... Further, resolving it in a manner that keeps the account open benefits you the MOST in terms of score. The credit union is one that you may want to check local dockets. In some locales, they will sue, even for ChilisMoney, while in other places it would need to be mid-five figures BEFORE the decimal to make it worth their while. It is NOT reasonable to expect a deletion upon payment, but you can still negotiate some manner of reporting. The quid for the pro quo will be driven by how much of the very fresh delinquency you are paying back. The third-party account is one where you should confirm whether they actually own the paper or are just working it for ATT. If you have access to your ATT account, this is quick and easy to confirm. Going through ATT, you won't get a discount, but it could reduce the deposit they want if you ever return to them for anything. With many models, a paid collection hurts the score just as much as an unpaid collection. However, there are times where resolution will be required to get some other manner of funding (ie. mortgage). You don't say what model of Fair Isaac scoring was used to produce the score you cite. But it is at a level that basic triage won't produce a lot of increase, as time will be required to heal much of that damage. The biggest impact would come from salvaging CrapOne though...
-