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Credit Forum
Credit Reports, Collections, Credit Cards and related discussion
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Our picks
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Macys 30 Day Late Removal Success
gijoeboxer posted a topic in Credit Forum,
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 ($119) then decided to write letters which I never had the chance to send. I kept getting credit notifications and refused to look at them because I felt sick. I finally looked yesterday and ......WHAT?????? Credit scores jumped up 69/65/63 on all 3 bureaus and stated my status went from 30 day late>pays as agreed! OMG! Not sure how or why but I will NEVER let that happen again and signed up for auto payments on everything. I thought getting late removal was very low chance but it can happen!-
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- 6 replies
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Amex plan it feature and how it affects credit utilization rate
Mithrandir posted a topic in Credit Forum,
I have an Amex blue cash credit card with zero introductory plan it feature that helps you finance anything over 100$.
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
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Doctor bill from college, baseball injury, put on my sons credit report
dolphindan1 posted a topic in Medical Billing & Medical Collections,
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
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Credit Repair Help needed.
phyregold posted a topic in Credit Forum,
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
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Debt collector suing me after not validating
nov1070 posted a topic in Help! I've been served,
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
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Posts
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Eagle is Lennar's captive, and agree being Lennar it would be highly unlikely they will push 2 months. The financial credits at closing are almost assuredly tied to using Eagle. I am going through this same process right now, albeit with a different large builder, but they operate very similarly. With closing set for 8/30 you have time to find another lender, although you'll have to move quickly and find someone who can close quickly. The issue is that you would also need to find someone who is giving you a rate that is good enough to offset the $15k, which may prove difficult. In my personal experience, the rate I was quoted from the captive mortgage company was within 1/8% of my independent guy, which may not be enough to warrant not using them. You'd have to do the math on your case and find out which is best. -
By CreditDespair · Posted
Hi there! Haven't been on this forum for years, but you guys helped me out a ton years ago when I was stupid with my money! I'm now helping a friend who was in a bad car accident 2 years ago. The other party was at fault. She ended up going to the hospital with her kids, and her own health insurance (BCBS) covered her medical expenses 80% after her deductible. My friend paid her resulting bills she received in the mail. It was over $10k that she paid. She is now being hunted by BCBS and they sent her to collections claiming that the at fault party's insurance (CIGNA) sent her a settlement check for $10k, which they never did. She hasn't received ANY checks from Cigna. How can I help her fight this? They are threatening to put a lien on her house. The collections company is called Conduent. She's checking her reports now to see if the collections have appeared there. Thanks in advance! -
Which she could have paid off sooner had she used a rewards card and applied the rewards to her balances. Once again people point to credit cards as the issue instead of the true issue which is the inability to create and stick to a budget.
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That's a lot of wasted time, especially since you can still file electronically and have them mail you a check, defer payment until the 4/15, etc.
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http://www.thesmokinggun.com/documents/revolting/florida-dismemberment-275903
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