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Credit Reports, Collections, Credit Cards and related discussion

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  1. Credit News

    Credit-related news and articles

    2.8k
    posts

  2. Advanced Credit Topics

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

    23.1k
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  3. Archived Pinned Topics

    Formerly pinned topics that are still relevant and still provide knowledge, but don't need to be pinned in the main forum.

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346334 topics in this forum

  1. Problems uploading documents to Experian 1 2

    By peytontaylor,
    • 29 replies
    • 19.8k views

  3. What America’s tiny banks do that big ones don’t

    By hegemony,
    • 0 replies
    • 58 views

  4. Have you ever gotten a retention bonus for threatening to cancel a no-fee card

    By swm8675309,
    • 4 replies
    • 130 views

  5. Man buys an entire skyscraper with his credit card

    By hegemony,
    • 3 replies
    • 203 views

  6. Paying a Credit Card Online from a Savings Account

    By Burgerwars,
    • 13 replies
    • 306 views

  7. The Empire Card (1970's)

    By Burgerwars,
    • 14 replies
    • 572 views

  8. The Ugly Truth Behind “We Buy Ugly Houses”

    By hegemony,
    • 5 replies
    • 212 views

  9. BlockFi Crypto Rewards Card Approved!!!!!!

    By MP80,
    • 13 replies
    • 952 views

  10. I have vanished from Equifax?

    By Achillia,
    • 7 replies
    • 174 views

  11. tNeed Telephone numbers for hard copies of reports, NOT annualcreditreport reports

    By olywa,
    • 3 replies
    • 134 views

  12. Missing Equifax

    By FoxSamual,
    • 15 replies
    • 530 views

  13. Savers Flock to Credit Card Companies With Their Deposits

    By Burgerwars,
    • 0 replies
    • 82 views

  14. NEW CARD!!!! (NESSWELL MASTERCARD) w/ pre-screen soft... (health care rewards 5x points)

    By hegemony,
    • 2 replies
    • 151 views

  15. Should I or can I apply for CLI on new Chase card? 1 2

    By maverick9,
    • 26 replies
    • 1k views

  16. NEW CARDS!!!! (TD Clear (No Interest Rates, Just a Simple Monthly Fee); TD Flex Pay))

    By hegemony,
    • 14 replies
    • 491 views

  17. CheckFree converted payment from electronic to check?

    By FoxSamual,
    • 18 replies
    • 632 views

  18. Contactless Terminals Read Cards from Far Away

    By Burgerwars,
    • 17 replies
    • 384 views

  19. Need to change my name to screwedbyVerizon

    By screwedbysears,
    • 16 replies
    • 473 views

  20. NEW CARD!!!! (Fisher-Price Mastercard)

    By hegemony,
    • 1 reply
    • 86 views

  21. Walmart Capital One pre-qualifier denied, FICO > 800 - is it set in stone?

    By iH8cra,
    • 7 replies
    • 164 views

  22. Home equity credit card

    By 8ball,
    • 4 replies
    • 146 views

  23. Citi Simplicity Card - Interest raised by 5%

    By Domoarigato,
    • 6 replies
    • 152 views

  24. Chargeoff

    By FloridaGeorgiaGirl,   
    • 4 replies
    • 164 views

  25. PNC cardholders: Do they give you frequent BT offers?

    By Sidewinder,
    • 4 replies
    • 128 views

  26. $500M Ponzi Scheme Leads to Lawsuit Against Wells Fargo

    By hegemony,
    • 1 reply
    • 114 views

  27. Chase Just Cancelled All My Accounts - WTF 1 2 3 4 7

    By Poor Bastard,
    • 162 replies
    • 13.6k views

  28. Help just lost 10 points on FACO; 11 points on My FICO Transunion

    By PlatinumPreffered,
    • 10 replies
    • 224 views

  29. Real geniuses of personal finance reddit

    By binaryhermit,
    • 2 replies
    • 108 views

  30. FICO 8 score

    By Knight,
    • 9 replies
    • 402 views

  31. Old Auto Lease reporting as OK every once in a while

    By reno1234,
    • 2 replies
    • 112 views

  32. Advice on dealing with a collection/charge off

    By ddrew5000,
    • 3 replies
    • 109 views

  33. Discover offers $200 secured credit card with a Fico of 790, 50K in credit limits and 1% utilization?! 1 2

    By Poor Bastard,
    • 25 replies
    • 588 views

  34. Has the Pandemic affected your finances/credit adversely or has your situation improved or is there no change?

    By brazen,
    • 15 replies
    • 449 views

  35. Mortgage fees are changing for homebuyers next month. Here's what you should know.

    By hegemony,
    • 20 replies
    • 460 views

  36. Here's a new one - BofA Interest Charge Error Correction

    By mattbta,
    • 2 replies
    • 139 views

  37. Getting an 800+ score

    By SweetSecretSW,
    • 8 replies
    • 428 views

  38. NEW CARD!!!! (H-E-B Siggy Visa with Limited edition metal card!!!!!) with pre-qual soft~!!!!!!!

    By hegemony,
    • 7 replies
    • 394 views

  39. Can hospitals report to credit bureaus?

    By misterno123,
    • 23 replies
    • 1.3k views

  40. Citibank is going after Anne Heche’s son (estate admin) for more than $36,000 in unpaid bills left by the late actress.

    By hegemony,
    • 4 replies
    • 107 views

  41. First Republic Bank. Is the end near?

    By Burgerwars,
    • 19 replies
    • 582 views

  42. Americans using buy now, pay later to afford groceries, other necessities

    By TheVig,
    • 3 replies
    • 115 views

  43. I was raised on Dave Ramsey's financial advice, but ignoring it is the only reason I was able to buy my home

    By cashnocredit,
    • 3 replies
    • 151 views

  44. NEW CARD!!! (Choice Hotels now with wHells FaRGo)

    By hegemony,
    • 19 replies
    • 549 views

  45. April 2023 DFICO up

    By hegemony,
    • 3 replies
    • 93 views

  46. This woman was told her mortgage was paid off: 10 years later, she received a foreclosure notice in the mail. She decided to fight.

    By hegemony,
    • 1 reply
    • 92 views

  47. Past creditor access to frozen reports?

    By Aglet,
    • 9 replies
    • 209 views

  48. Titty Bank Wants More Smoke

    By RehabbingANDBlabbing,
    • 24 replies
    • 1.7k views

  49. Apple's latest invention: Yes it's a savings account 1 2

    By hegemony,
    • 33 replies
    • 2.7k views

  50. Balance Transfer Cards with pre-qual

    By ihatecollections,
    • 4 replies
    • 139 views

  51. Hegemony's list of dream co-branded credit cards 1 2 3

    By hegemony,
    • 57 replies
    • 3k views

  • Recently Browsing   1 member




  • Our picks

    • Collections, but Comcast didn't let me pay.

      FixTheProblems posted a topic in Credit Forum,

      Hello good folks,
       
      Background: last October, Comcast locked my account because *a stranger* (mistakenly) paid for it with a credit card, and later disputed the charge with their credit card company and did a chargeback. Comcast made it so I couldn't use any type of credit/debit cards to pay. It took some give months to even expose this issue, as agents didn't know why my account was locked. I cancelled my account but they still wouldn't let me pay. Eventually, they sent it to collections, which very promptly hit my credit history with a "Collections" derogratory record.
       
      Unfortunate timing, because I'm in the market right now for a mortgage. Without this note, my credit history is close to perfect, with FICO8 of 835+, and VantageScore3 of 810+.  With this, the scores drop to about 710 and 760 respectively. Meaning, either mortgage denial or higher interest rate, leading to huge sums wasted.
       
      My questions are:
      1) What is the best way to get this rectified and get this record off my history?  
                  - Is it possible to do a "pay for delete"?  
                  - Should I be talking to Comcast or to the collections agency?  
                  - Is there something I need to to in the interim, like disputing the record?  
                  - What would be the fastest way to deal with this? Ideally, I want to apply for a mortgage in the next week if possible. If not possible, in the next 3-8 weeks.  
       
      2) Are there particular mortgage lenders that use a more favorable scoring so this one single negative record doesn't hurt my mortgage rate?  
                  - My understanding is, FICO8 has this 120+ point drop for the first negative record, while other scores (like VantageScore3) doesn't drop so dramatically. Is this correct?
       
      Thank you very much in advance.
      • 50 replies
      MarvBear

      Picked By

      MarvBear,

    • Titty Bank Wants More Smoke

      RehabbingANDBlabbing posted a topic in Credit Forum,

      So my DH had a Citi/Best Buy card that was charged off in 2017. After beginning our credit repair process, I noticed the account was reporting the payment history inaccurately on Equifax and Experian. We disputed many times, then ended up suing them for FCRA violations. They settled the case by forgiving the debt and deleting the account from all reports.
       
      But now they’re back! In 2020, they sent us a 1099-C for an amount just a little bit shy of the balance. I believe it was just the principal balance, which amounted to $4,600. Well, as you know, it’s tax season. And who decides to send us another 1099-C for the same account/debt? Titty bank. They put the full amount of the debt this time; which was about $600 more than the first 1099-C they sent.
       
      I have consulted my lawyer because it seems illegal for them to write off the same debt twice. He has advised we should sue them again. While I’m sure we can win the case, litigation and settlement takes about a year to do, based on our past experiences. It ended up costing us an extra $1,200 in taxes this year. What do y’all think? Should we spend more time and effort on this situation? I’m pretty sure Titty also violated terms in our settlement agreement for the FCRA case as well, in regards to them not pursuing further collection activity.
       
      Any advice would be appreciated.
      • 24 replies
      MarvBear

      Picked By

      MarvBear,

    • American Express Member Since

      MP80 posted a topic in Credit Forum,

      I have come across a credit topic involving data point information that concerns AmEx's D* policy (which no longer exists) which triggered and raises an important question that may be of interest to anyone who has an AmEx credit card in their relationship history with AmEx.

      This is to give credit and courtesy to an excerpt from the @cashnocredit post...
       
       
      "I had an Amex in 1974, which closed in the early 80s. Opened a new one in 2011 but they didn't backdate me then. Had no record of it (which was always paid on time)."
       
      Question? 
       
      Does AmEx have all your previous applications and cards approved and store all positive and negative data indefinitely?
       
      • 40 replies
      MarvBear

      Picked By

      MarvBear,

    • Vig's Points, Miles, Cash Back, Earnings, Redemptions, and Shenanigans 2023 Edition

      TheVig posted a topic in Credit Forum,

      I decided to continue another year of my glorified spreadsheet. 2022 was a disappointment in the shenanigans dept. Most of the dive hotels I stay at did remodels during the pandemic. Not too many WTH moments. Disciplining myself to go under 5/24, allowed me to add a Chase CSP and CFU to the mix in 2022. The various dumpster dive apps I use paid off. To the tune of about $2000 in value.
       
      Inflation being what it is, I'm more hyper sensitive than ever on what spend goes on what card, to maximize spend multipliers.
       
      Credit Cards:
      Amex Gold & Every Day MR 441,390
      Amex Delta SkyMiles 205,415
      Citi MileUp MC American Airlines 69,345
      FNBO Amtrak Guest Rewards MC 135,948
      Chase CSP / CFU Signature Visa UR 101,559
      Chase IHG Traveler MC 66,064
      BofA Customized Cash Rewards Visa (3% Travel) $0.88
      Citi Double Cash MC (2% CB / TYP Everything) 21,186
      Citi Premier MC Thank You Points 34,280
      Choice Privileges Visa Signature 360,660
      WF Active Cash Signature Visa (2% CB Everything) $87.44
       
      Shopping Portals and Apps / Stacking Opportunities:
      DOSH (CB) $18.56
      Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 6857
      Fetch Rewards (GC) 27,439 Points
      Ibotta (CB or GC) $7.65
      Upside (CB or GC) $14.15
      CoinOut (CB or GC) $8.65
      Payce (CB) $18.97
      Receipt Hog (CB or GC) 3156 Coins
      Receipt Jar (GC) 2013 Points
      Receipt Pal (GC) 4725 Points
      Shell Fuel Rewards (Earning AA Miles 2miles/gal.)
      Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)
      AA Simply Miles
      Airline / Hotel Dining and Shopping Portals
       
       
      • 98 replies
      MarvBear

      Picked By

      MarvBear,

    • When will this last baddie actually drop off??

      tps7c posted a topic in Credit Forum,

      Hi Everyone!
       
      I have one last bad account, unfortunately a repo, that is still on my Experian and Equifax reports. Before Experian changed their report format, at some point last year the repo account said "on report until April 2023." Well, it's April and it's still showing. Could it be until the END of April? Would it be worth calling Experian's backdoor number and asking about it? Maybe sweet talking them to delete it early? lol
       
      What do you guys think? In comparison, this account was scheduled to drop off my Transunion report in January and was gone in December. Equifax is the worst and it show dropping from the report in July. 
       
      Thanks guys!
      • 15 replies
      MarvBear

      Picked By

      MarvBear,
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