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  • Our picks

    • Just to give folks an idea why it isn't a good idea to have 0 balances report on all your credit cards. I had one card reporting $800 which was paid and just reported 0. TU FICO 8 dropped from 822 to 802.  FICO scores don't like all your CCs reporting 0 balance.  OTOH, I don't pre-pay but I've been using Amex in the last few months and had Amex reporting 20k. Charge cards don't affect FICO scores. It was just paid and reported 0 balance. No change in FICO. Still at 802. Usually Verizon will show up on a CC but didn't this time. Fell through the cracks between closings.
      • 26 replies
    • I have 2 medical collections for 2 different providers being reported to Experian and TransUnion by the same CA and a 3rd collection with Equifax with a different CA.
      I started the HIPAA dispute programs for all them with these results:
      TransUnion:  both items were deleted Experian: both items were verified with a note to contact the CA for more info Equifax:  No Response at all and no deletion  
      I started the HIPAA dispute program  for the Experian collections but skipped the 2nd step of Medical DV to the CA by mistake.  Instead, I  sent money order payments to both the OC's using the HIPAA letter and have copies of the deposited and canceled money orders from my bank.  The collections have not been deleted  and I haven't receive a response from the OC's at all.
      Knowing the I missed the DV step with the CA, what should I do now to continue the process for getting the Experian entries deleted?
      For the Equifax entry with no response, do I just start over again?
      Thank you!
      • 11 replies
    • Please excuse my ignorance but correct me in the process. 
      Isn’t this showing the credit bureaus “look here’s my signature” which results in signature comparison?
      Obviously none of us here has worked for a credit bureau. How do we know that the credit bureau won’t save your driver license picture and compare for verification purposes at any given time?
      • 19 replies
    • I was wondering if I can remove my report from chex, since I need to wait 5 years for it to be removed....
      just to be clear, nothing has been made by error here, I had a negative checking balance, I didn't pay it and the bank closed my checking account, but I paid the amount 4 month ago, and chex said it will take 5 years to be removed..., obviously right now I am facing some/almost huge limitations with all type of creditors even with a credit score of 795+
      is this a Fair Credit Reporting Act?
      What's the fastest way to remove them?!
      Thanks a lot
      • 14 replies
    • We were foreclosed upon in September of 2018, and when combing over the documents I noticed the foreclosure attorney signed off stating I had been served in person by the sheriff. I was not even in town on the day of service, and the Sheriff's Foreclosure Notice Return document clearly states copies were left my husband. I am going to look for an attorney to file a Motion To Quash the foreclosure judgement as it is my understanding that a notarized Affidavit of Service means the attorney verifies all the documents are correct and in order - which they were not.
      I know it is a long shot, but if there is an attorney from NC on the boards, I'd love to know how long the MTQ takes from filing the paperwork to the mark vanishing from our public record. We are hoping to apply for a mortgage in March and would love to know if this is a realistic timeline.
      • 6 replies
  • Posts

    • This is my highest ever since I started my journey here. Sent from my SM-N986U using Tapatalk
    • Need your opinion. My two lowest CLs are two Cap1 Quicksilver cards with CLs still well under $1000. I was denied a CLI yesterday due not using enough of my available credit. This is because I run more than the limit through every month and have to make 4-6 pmts per month. I called them but of course there's nothing they can do. Should I cancel one (or both) of them and reapply in hopes of getting a decent limit? I realize I'm not a very profitable customer to them, but this is really aggravating. If it makes a difference, one card started as a secured Platinum. It unsecured and later became QS1. The other one started as an unsecured Platinum and became a QS1. They've been open about two years and have each had two $100 CLIs. Thanks for any info. 
    • I think its better to buy from a trusted store then
    • My mid score is 686.  I'm almost ready to apply for pre approval waiting until 3/17 as it will be 4 years post bankruptcy.   I know I qualify now for FHA but waiting gives me more options (i.e. conventional) and since it's only 2 weeks away it's best to just wait    My question is recently a collection popped up on my account (only negative other than bankruptcy)   It's for $881 for a medical issue 3 years ago but started reporting in Dec.  I disputed but they validated.   They sent me a letter to settle for $500.    My question is should I ask for a pay for delete? It's Asset care and heard they do.   From what I see my score went down like 20 points when it was added so seems would be worth getting removed.   Thoughts?
    • Of course, once the basis of comparison is between two different credit score models, all bets are off the table as to what optimizes one vs the other (and, given some stark score variations one model to the next, it's not obvious that what optimizes one would optimize the other).   As you suggest, it's fairly well accepted that "AZEO,$2" optimizes utilization for Fico 8 bankcard (you claim Fico 9 bc as well; I believe that to be less well established, but I'm willing to accept that on your word.   Isn't new info re optimizing FICO 4 useful?  Most of the smart people here shell out some decent mortgage interest over time, but little on bankcards, so in the big picture it seems the more substantive question.
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