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    Credit-related news and articles

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

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343,055 topics in this forum

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  1. Another ?? Who pulls TU in Nevada??

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  2. Experian Results

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  3. Dell CL?

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  4. woohoo!!

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  5. need help!!! what do I do now?

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  6. Which would be best?

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  7. Which CRAs does Dell pull?

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  8. poof...and their gone..

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  9. poof...and their gone..

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  10. poof...and their gone..

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  11. Disputing negative credit items

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  12. Disputing negative credit items

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  13. REPO in TEXAS

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  14. HELP TO INCREASE FICO SCORES

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  15. validation after payment arrangement

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  16. Sherman/ Alegis help?

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  17. Conflicting Credit Scores.......

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  18. Help me with CROSS COUNTRY & MIDLAND

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  19. HELP with CAP ONE

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  20. my 1st collection letter

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  21. phone #'s

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  22. Bankruptcy and Chex System?

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  23. WTH??? My Experian CR looks like

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  24. duplicate post

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  25. DOLA on credit report?

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  26. How do i respond to this?

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  27. MY scores-HIS scores

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  28. Home Depot

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  29. Providian and CLI

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  30. CRA violates-what is my next step?

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  31. SBI International

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  32. Important Question

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  33. OC Deceptive Practices

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  34. E-Oscar Question

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  35. personal loan converted to CC

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  36. Is this a violation? Please help!!!

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  37. [b]Need Advice[/b]

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  38. What is *THIS*????

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  • Our picks

    • I received a letter today saying I could request dropping my Mortgage  Insurance policy. What is this? I didn’t even know I had it!
      is it wise to drop it?
      • 10 replies
    • (if I posted this incorrectly I apologize)
       
      Without a long drawn out story I'll just quickly lay out the facts:  Had a great mid-700's score a year ago, now i'm low 500's. I'm a 32 year old homeless vet with about $28K in debt. I currently work part time and attend school fulltime (paid for through pell grant and I was awarded a small scholarship)
       
      I'm debating whether to file Chapter 7 or dispute everything (I've been reading about the letters, and the jack attack)
       
      I'm just so lost. One minute Ch7 sounds like a great idea, but then I remember the consequences that can come when I am in a financial place to look for residence, then the next minute I'll think GREAT! I'll just dispute everything and hope it gets removed so my score improves dramatically (and hope the removals don't come back)
       
      I'm in a unique position now where either option seem good. I can provide more clarity on my situation as well, I'm just embarrassed at having to be writing this post in the first place.
      • 65 replies
    • Well I finally pulled my fico scores and Im satisfied with the progress thanks to everyone help. Question is now how do I see my mortgage scores. I paid for experian to get fico thinking I would get all three mortgage scores but it only gave me Experian's score. If I buy my fico will it show all three mortgage scores?
       
      EXP 541 to 669
      TRANS 520 to 636
      EQUI 520 to 655
      • 4 replies
    • Greetings, Thank you kindly for any and every response before + after the fact.
       
      Regarding a one year apartment lease. it's been just over one year since moving, first collection company contacted me in May, and again June - weird, it's like the complex sent it twice. It shows twice as the same amount, a $1998 charge-off. I would love to sue the apartment complex or some way hold them accountable - serious wrong doing and lies.
       
      Now just want the simplest way to move past it. Question is, when disputing to the 3 bureau's is best to make my case, describe what happened etc or is there some technicality to just have it removed? I was reading another thread about them having to be bonded in the state? I'm in Fl. 
       
      Also, are the disputes best done online, is that more common or do people mail nowadays?
       
      Quick recap if that helps:
       
       Lease expired 11/1. I was out 11/19, which of course is late, but I do have in writing from Manager to allow me to stay without fees if out by 11/16. the elevator was broken 11/12-11/16 creating the necessity to complete move 11/19. 
       
      They had a $1519 security deposit (one month). I was dumb enough to think a refund was coming, it was over the Holidays, and hopeful, I contacted Manager whom I had been in contact with, told she with a new property. My papers processed by someone else. I get notice on door of missed package, sign thinking they will leave it the next day, track it, and it shows "return to sender". SO I've never received itemized bill. 
       
      The only way that I have any idea what they chalked the fees with is a respone from manager on an online review I left for them. They stated that the carpet needed to be replaced.
       
      I Left that apartment EMPTY. I also filled in a move-in checklist and noted the carpet on it.
       
      Regardless, how does a $1519 deposit turn into a $1998 Charge-Off??!!!?!!
       
      Anyway, it boggles the mind that the apartment complex has done this to me. it's despicable, really. One of the reasons the Manager granted request initially was that I paid on time every month, had no issues. The fact that they would sever what could have parted amicably is beyond me.
       
      It's been a year...still think about suing, but would appreciate any advice. it took my credit from 700 to 600.
       
       
       
      • 28 replies
    • So somebody got ahold of my Citi CC number and successfully charged $753 and change on some pool website. I saw the charge and called the company and they said the order looked fraudulent and they had canceled it and refunded my card. 
       
      So I contacted Citi to get a new card number and disputed the charge. Well, first the refund from the merchant never posted. Now 3 weeks later I call Citi to see what's taking so long with posting my credit from the dispute. 
       
      They say that it's still under investigation and they will not post the credit until they finish the investigation and determine it is fraudulent. Until then I have to pay it off when my bill comes due. 
       
      Has anyone ever seen anything like this? Every dispute I've ever filed they credit my account instantly. That's the whole point of having a CC - they are liable for fraud, not me. 
      • 19 replies
  • Posts

    • Without the insidious irony of American Express, I don't care what others think of Abecedarian or Greenhorn and me. Pertaining to American Express (Amex) or any entity that monitors my reports, as there are no derogations or debts there!  
    • I haven't checked all, but I do think the address was different for at least a few, but not all.  I'll look carefully at that tomorrow and, if different, change the address so it's the same and see what happens.     All in all, it's no big deal -- at least for me -- but it was a bit concerning to all of a sudden see so many account removal monitoring alerts.  
    • Good to know, sweetie.   P.S.  You can relax now.  Heavy snow here and the freezing cold make the little tyke shrink.
    • Then you are obviously a credit novice.
    • Google 'equifax authorized user' and you will find numerous threads on the subject (mostly from MF/2018).  

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