Jump to content

Credit Forum

Credit Reports, Collections, Credit Cards and related discussion

Subforums

  1. Credit News

    Credit-related news and articles

    201
    posts
  2. Advanced Credit Topics

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

    22,105
    posts

342,589 topics in this forum

  1. Pinned topics
    • 3,676 replies
    • 831,806 views

    • 1,260 replies
    • 676,288 views
    • 130 replies
    • 406,764 views
  2. Welcome New Members!

    • 2,199 replies
    • 321,660 views
    • 960 replies
    • 267,113 views
    • 884 replies
    • 262,070 views
  3. credit card spreadsheet

    • 523 replies
    • 207,265 views
    • 79 replies
    • 174,406 views
    • 106 replies
    • 151,903 views
    • 1,655 replies
    • 146,143 views
    • 2,286 replies
    • 128,154 views
  4. 1-2 punch flow chart

    • 84 replies
    • 115,677 views
    • 122 replies
    • 114,519 views
    • 438 replies
    • 104,420 views
  5. CB list of lawyers

    • 123 replies
    • 99,297 views
    • 116 replies
    • 99,265 views
    • 130 replies
    • 98,930 views
    • 55 replies
    • 90,850 views
    • 92 replies
    • 86,578 views
    • 239 replies
    • 83,442 views
    • 102 replies
    • 80,956 views
    • 107 replies
    • 80,186 views
    • 51 replies
    • 77,172 views
    • 128 replies
    • 75,649 views
    • 81 replies
    • 69,409 views
    • 118 replies
    • 59,128 views
    • 66 replies
    • 57,433 views
    • 61 replies
    • 55,783 views
    • 150 replies
    • 51,824 views
    • 84 replies
    • 49,613 views
    • 106 replies
    • 48,012 views
    • 37 replies
    • 43,016 views
    • 5 replies
    • 40,538 views
    • 40 replies
    • 40,342 views
    • 40 replies
    • 34,253 views
  6. CB 'Hall of Fame' Threads

    • 22 replies
    • 27,384 views
    • 17 replies
    • 24,031 views
    • 0 replies
    • 22,123 views
    • 4 replies
    • 21,612 views
    • 1 reply
    • 21,068 views
    • 25 replies
    • 19,264 views
    • 0 replies
    • 19,035 views
    • 0 replies
    • 14,015 views
    • 20 replies
    • 12,307 views
  7. Other topics
  8. Credit Approved

    • 3,574 replies
    • 753,994 views
    • 16,779 replies
    • 729,274 views
    • 143 replies
    • 395,970 views
    • 8,752 replies
    • 346,004 views
    • 1,408 replies
    • 333,416 views
    • 31 replies
    • 320,572 views
  • Recently Browsing   0 members

    No registered users viewing this page.

  • 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

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines