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  1. Credit Forum

    Credit Reports, Collections, Credit Cards and related discussion

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  2. Medical Billing & Medical Collections

    NOT PAY FOR DELETE! Why Chat's HIPAA dispute method. May require repayment.

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  3. Bankruptcy

    Bankruptcy discussion

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    • ACK
  4. Foreclosures/Loan Modifications

    You're trying to get a modification, or you're being foreclosed?
    While every lender, foreclosure and modification situation is different, this is a place to discuss and share your experiences.

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  5. Chexsystems Help

    Discussion and help for consumers who have trouble getting a bank account.

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  6. Debt Consolidation, Counseling and Management

    You're in debt and don't think you'll ever get out, maybe got some late payments, but are trying to work something out so you don't completely trash your credit. Discussion of Debt Management Programs, debt consolidation, settlement and consumer credit counseling programs.

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  7. Military Credit

    For the credit issues that are unique to our military members

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  8. Canadian Credit

    The unique challenges for our neighbors to the north.

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  • Posts

    • Sounds like the "kids" are adults, which would make all of that not your problem.
    • The guy is simply ignorant*. The FCRA forbids this. I personally paid off a CA that was 6 years old. It was a small amount from a phone service I forgot about and didn't discontinue when I moved. It showed paid and fell off my report promptly the next year.   By saying he's ignorant, I'm giving him the benefit of the doubt. A worst case is that he is fully aware that paying a CA doesn't affect the drop off date and uses this to promote fear and drive his business. It isn't just some CAs that are scummy.
    • Concur that AXP offers EXP8.      BofA and Barclays have been offering TU8 (as noted, Barclays does not specify but it marches lockstep with BofA which DOES specify).    FNBO is offering EXP Bankcard9   Have not seen anyone in my current portfolio offering EFX/CSC scores
    • Ha!  Y'all got me to finally cancel my Score Watch subscription from MyFico.  I've had it since 2013, and they don't even offer this product anymore.  $14.95 a month - guess I could add it to my Mortgage payment. 

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