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

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342,739 topics in this forum

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  1. Arrow/RMA

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  2. Med CA calls work.....

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  3. OK what do you think?

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  4. Is this a hard inquiry???

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  5. Generations

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  6. MBNA & Citi cash card

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  7. IS this a derog?

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  8. Equifax Bastards!

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  9. Medical accounts 1 2

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  10. Should I call them back?

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  11. PAST DUE CHARGE OFF

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  12. Legal opinions?

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  13. SOL on PRE 1997 accounts

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  14. Is this Validation?

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  15. Tax liens gone!

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  • Our picks

    • Hello all!!
       
      I will try to make this as short and sweet as possible. I used to make much more money than what I am currently making. Never paid late on my cards until recently and I’m still never more than a few days late. My cards are all maxed out and it’s costing so much to keep up with everything. I thought about going on the hardship program with my cards but I think that might have a negative affect on my credit. My utilization is at 99%.  I just don’t even know where to start. I would love to just work on getting the balances down because I feel like the hard work will stop me from charging the cards up again. I have 9 cards. And I have no lates reported as I’m never more than a few days late.  
      GAP-200
      JCP-500
      CapOne-600
      Citi-900
      Walmart-1780
      Macys-2700
      Chase-3000
      BCU-5000
      Amex-5000
       
      Any advice would be appreciated!!
      • 11 replies
    • With an upcoming refresh of the American Express Green card there are several rumors swirling about potential improvements. Right now the Green offers 2x points on purchases through the amextravel portal and 1x on everything else for a $95 AF. Yawn. 

      The current rumors are suggesting a June/July/August launch bringing with it 4x on "gas" and 3x on "streaming services" with a wild card of free Amazon Prime with membership. Not awful at all if true. I'd be curious to see the caveats that will certainly come with the gas category, and the streaming services seem a little petty since I'm sure even the most die hard cord cutter only spends around 50-75 a month in service fees. As with all the other charge card refreshes I expect to see a bump in the AF to around $149 which leaves this a little underwhelming to me. If it's meant to be an intro to AmEx charge cards then it would seem to entice the everyday folks you need to include everyday expenses for instance, cellular service. Maybe free phone insurance for any service paid with the card, similar to the propel from WF. Just throwing daydreams out here. 
       
      Anything you would want to see with a potential refresh?
       
      Original link:  https://www.doctorofcredit.com/rumor-american-express-to-refresh-green-card-4x-on-gas-3x-on-streaming-more/
      • 23 replies
    • Hi all,
       
      Wondering if anyone has personal experience with having a civil judgment made against them that then lapsed / expired. A family member is wishing to transfer property to me, but I am concerned due to a couple of judgments from the most recent recession. I know it's not the wisest route, but due to my circumstances at the time and several years following, I essentially did nothing (didn't respond to letters, people trying to serve me, etc., definitely didn't make any payments). I didn't realize until recently that judgments could be revived. At this point, I don't want to declare bankruptcy when it's almost been 10 years... I should have just declared BK at the time of the judgments but obviously wasn't educated.
       
      Any help / thoughts appreciated!
      • 14 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?
      • 9 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
  • Posts

    • No but I will once Open Enrollment comes.  I believe all of these accounts were with a hospital (ER).  I do not believe I was offered the opportunity to apply for assistance at the time of medical service. Ex: “real report”shows the 3 disputed accounts notated “Account in dispute reported by subscriber” and “Account information disputed by the consumer under the Fair Credit Reporting Act.” EX “real report” discrepancies: -1 incorrect spelling of my name under “Also Known As.”   Previous report (annualcreditreport) showed 2 incorrectly spelled variations. -2 old addresses.  Previous report (annualcreditreport) showed 9 old addresses and I’ve never requested any to be deleted. -1 unrecognized phone number.   ”Personal Statement” on report indicates a security alert has been placed on my account for 1 year.   EQ:  “real report” shows 2 notations of “file blocked for promotional purposes” and 2 notations for “fraud alert.” -Each of the 3 previously disputed ca’s show “consumer disputes this account information.” -1 incorrect spelling of my name listed under “formerly known as.”   Everything else seems to be normal     
    • I’m still a newby been here years
    • We did what Apple told us not to with the Apple Card
    • OK, Do you NOW have health insurance??   Were any of these medical accounts with a hospital, and if so were you offered the opportunity to apply for assistance at the time of medical service??   Go ahead and send the initial dispute letter to the CRAs on the new account. Does your Eq account ( real one) show all of the same data that your Credit Karma one did?? Check ALL your real reports carefully for discrepancies such as unknown addresses, misspelling of your name alternate SS#s etc. Check to see if the accounts you disputed are notated as "disputed by consumer".
    • https://www.marketwatch.com/story/100-million-capital-one-customers-were-hacked-everything-you-need-to-know-about-data-breaches-but-are-afraid-to-ask-2019-07-30?mod=personal-finance

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