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  1. Credit News

    Credit-related news and articles

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  2. Advanced Credit Topics

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

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342,451 topics in this forum

  1. CZAR OR ANY AMEX FREAKS

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    • 425 views

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  2. Goodwill.....It Works

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  3. New Discover BT Offer

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  4. Hello and Question

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  5. New Board

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  6. Don't laugh!

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  7. Hubbys In the Dog House!!

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  8. verification??

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  9. Chase Secured mastercard

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    • 514 views
  10. Bogus Collections

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    • 694 views
  11. new here wth some questions!

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  12. HSB-keep or dump

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  13. asking for help

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  14. who is right here?

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  15. Yet Another Question

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  16. Building Business Credit

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  17. Need advice please

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  18. Going to sue Equifax

    • 5 replies
    • 549 views
  19. PLEASE HELP

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    • 363 views
  20. US Bank questions

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  21. Credit Monitoring

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  22. PP Letter

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  23. 2 more to go on Experian

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  24. What is DOLA on TU CR???

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  25. Transunion reinsert

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  26. Netbank questions

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    • 467 views
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  27. Target Sucks

    • 14 replies
    • 860 views
  • Our picks

    • 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?
      • 6 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!
      • 10 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
    • I wanted to file chapter 13 to get out from under credit card debt. I defaulted on all the accounts a couple years ago. I’m married and my husband and I have separate accounts. His bills are current and mine aren’t. The problem I’m having is they’re making me include his income for the means test but they won’t let me include his debts. So there’s no way I can afford what they say I have to pay. Is there anyway around this?
       
       
      Sent from my iPhone using Tapatalk
      • 9 replies
    • I filed for Chapter 13 back in 2002. It was discharged about two years ago. It has fallen off two credit reports and I'm sure you can guess the one that it has not. My question what paper work should I keep if any in relation to my BK? By the way after it fell off my scores are in the high 700's.
      • 6 replies
  • Posts

    • They did provide a  copy of my last Art Van Statement.  I also called Art Van and they said Midland is collecting for them.
    • The RX350 is going to need tires soon.    It currently has 235/60R18XL (Extra Load -- whatever that is) on these 18" wheels.   It looks like the OEM tires were 235/55R18.   Other things equal, shouldn't I put the original size back on this shitty car?     Is there an advantage to a slightly larger diameter, aside from fooling me into thinking I'm not driving quite as fast?
    • https://www.marketwatch.com/story/5-signs-that-home-prices-could-be-rolling-over-again-2019-06-17?mod=mw_theo_homepage
    • Interesting stuff guys. Yep, seeking Alpha.   I'm in San Diego and the condo is in an area of high demand. Currently. OTOH, the valuation is quite high at 700k v 200k in 2010. My basis is 60k since I bought it in 1971. Prop tax is quite low at 1.1k/y due to the Prop 13 limit. I get nice rental income from it.   I'm not sure how much Alpha there is left in it though. Prices in its market have plateaued since 2017. There is a general effect from the 2017 Fed. tax change due to SALT limitations and they seem to be clipping prices that are over about 600k from the overall SALT clip at 10k. And higher value homes are seeing a haircut. My current home's market value is now lower than when I bought it in 2003 and has seen a significant decrease from 2017 due to the SALT limit.  
    • Chances of me shopping at Walmart before reading this ... 0% Chances of me shopping at Walmart after reading this ... 0%   I am not, and hopefully will not ever be their target audience.

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