Jump to content
Member? but forgot everything, can't log in... Frozen out??? ×

THIS IS A POLITICS-FREE ZONE.

Money Management

Discussion and tips on sound money management.

4597 topics in this forum

  1. What applications or skills do you use to manage money better

    By creedithungry22,
    • 5 replies
    • 1.4k views

  3. Goldman Sachs, once reserved for the rich, is close to offering wealth management for the masses

    By hegemony,
    • 0 replies
    • 1.1k views

  4. Hacking a Dollar

    By NoPresetSnarkLimit,
    • 4 replies
    • 2.4k views

  5. I’m retired and won’t live to see my mortgage paid off. Should I refinance to lower my monthly payment?

    By hegemony,
    • 0 replies
    • 1.1k views

  6. Robinhood to face complaint over exposing users to 'unnecessary trading risks,' report says

    By hegemony,
    • 2 replies
    • 1.2k views

  7. Chapter 7 Bankruptcy (short term) vs. Paying all creditors and $11,000 judgement (long term, big picture?) Long-ish post

    By Lander,
    • 2 replies
    • 1.3k views

  8. He lost $50 million day trading as a college student living in a $39 million flat — now his mom is suing him

    By hegemony,
    • 0 replies
    • 1.4k views

  9. The Super-Rich Are Buying Luxury Online Like Never Before

    By hegemony,
    • 0 replies
    • 1k views

  10. Medicare Part B Premiums To Rise 2.7% In 2021, With Premiums For Highest-Income Couples Topping $12,000 A Year

    By hegemony,
    • 0 replies
    • 1k views

  11. All the Happiness Money Can Buy in the Winter of Covid-19

    By hegemony,
    • 1 reply
    • 1.1k views

  12. Floriduh wealth adviser 'Dr. Cash' hit with fraud charges

    By hegemony,
    • 2 replies
    • 1.2k views

  13. PayPal says all users in US can now buy, hold and sell cryptocurrencies

    By hegemony,
    • 2 replies
    • 1.2k views

  14. Who Owns US Stock? Foreigners and Rich Americans.

    By hegemony,
    • 2 replies
    • 1k views

  15. A financial therapist shares what she always keeps in her wallet

    By hegemony,
    • 0 replies
    • 1.3k views

  16. I need help with tax question + business question?

    By Killbadcredit,
    • 12 replies
    • 1.3k views

  17. Traders Frustrated by Online Brokerage Outages as Stocks Surge

    By hegemony,
    • 0 replies
    • 912 views

  18. Coinbase launches its cryptocurrency Visa debit card in the US

    By hegemony,
    • 2 replies
    • 1.4k views

  19. Robinhood Has Lured Young Traders, Sometimes With Devastating Results

    By hegemony,
    • 4 replies
    • 1.2k views

  20. I need help with tax question + business question?

    By Killbadcredit,
    • 0 replies
    • 818 views

  21. vanguard advisors. whats your experience

    By luckydriver,
    • 1 reply
    • 1k views

  22. Leaving a legacy sounds like a lofty goal, but there are other worthy ways to enjoy your savings.

    By hegemony,
    • 0 replies
    • 878 views

  23. Amazon launches a program to pay consumers for their data on non-Amazon purchases

    By hegemony,
    • 0 replies
    • 2.2k views

  24. New REIT to Give Wary Investors an Entry Point: Cannabis

    By hegemony,
    • 0 replies
    • 924 views

  25. JPMorgan to Impose Fees on Low-Balance (<150K) Chase Private Client Customers

    By hegemony,
    • 8 replies
    • 1.2k views

  26. Social Security Retirees Will Get a Raise After All, But Don't Get Too Excited

    By hegemony,
    • 1 reply
    • 865 views

  27. Leaving a legacy sounds like a lofty goal, but there are other worthy ways to enjoy your savings.

    By hegemony,
    • 0 replies
    • 775 views

  28. Morgan Stanley to Buy E*Trade

    By Burgerwars,
    • 4 replies
    • 744 views

  29. How to Think About Your Emergency Cash in a Low-Rate World

    By hegemony,
    • 3 replies
    • 659 views

  30. Bank of America wades into digital financial planning space (Life Plan)

    By hegemony,
    • 0 replies
    • 385 views

  31. Article: I’m a 57-year-old nurse with no retirement savings and I want to retire within seven years. What can I do?

    By Burgerwars,
    • 2 replies
    • 532 views

  32. MarketWatch article: My wife had a baby in June. She has $140K in student loans, and just asked for my blessing to work part time.

    By Burgerwars,
    • 0 replies
    • 464 views

  33. U.S. Retirement Savers Stayed Calm While Stock Markets Plunged

    By hegemony,
    • 10 replies
    • 581 views

  34. Thousands of Britons living in the EU/EEA told their UK bank accounts will be closed. Brexit fallout.

    By Burgerwars,
    • 0 replies
    • 382 views

  35. Millennials to redistribute wealth from older generations to the young in new ‘age of disorder,’

    By hegemony,
    • 6 replies
    • 615 views

  36. This Uber Eats driver worked 12 hours every day for a month and brought home over $8,000

    By hegemony,
    • 3 replies
    • 434 views

  37. the Internal Revenue Service (IRS) and Treasury Department told employers that they would be liable to pay back what they defer from their employees’ paychecks under the executive memo, so workers won’t face a huge tax bill when they file their 2020 feder

    By hegemony,
    • 11 replies
    • 933 views

  38. What's the most times you've had a single account transferred to another company? One account, five companies, for me.

    By Burgerwars,
    • 1 reply
    • 384 views

  39. Ultra-Rich Club Stockpiles Cash as U.S. Economy Fears Grow (Tiger21)

    By hegemony,
    • 1 reply
    • 442 views

  40. Just $5 and an iPhone can open the door to investing in the world’s rarest fine wines (Rally)

    By hegemony,
    • 1 reply
    • 351 views

  41. Financial Infidelity - My wife spent $90k!!!

    By JOstrowski,
    • 4 replies
    • 580 views

  42. late 30's and behind on retirement savings...help!

    By semidevil,
    • 3 replies
    • 465 views

  43. is roth free money this year?

    By luckydriver,
    • 5 replies
    • 649 views

  44. Alliant Deposit Rates

    By Yedgy,
    • 4 replies
    • 841 views

  45. The War on Savers Heats UP: Change in Fed Policy Kills Cash, Where are You Seeking Lift?

    By hegemony,
    • 1 reply
    • 934 views

  46. CIBC U.S. to limit the number of external accounts linked to online banking.

    By Burgerwars,
    • 0 replies
    • 341 views

  47. How to make money in the pandemic: Invest in KitKats and Big Macs

    By hegemony,
    • 2 replies
    • 458 views

  48. Do I have too much money in my emergency savings?

    By hegemony,
    • 0 replies
    • 273 views

  49. Splurging on luxury products instead of vacations and haircuts at home — what consumer behavior looks like 5 months into the pandemic

    By hegemony,
    • 0 replies
    • 280 views

  50. The new savings target for a modest retirement: $8 million?

    By hegemony,
    • 1 reply
    • 313 views

  51. National Debt To Surpass $78 Trillion By 2028

    By hegemony,
    • 0 replies
    • 280 views

  • Recently Browsing   0 members

    • No registered users viewing this page.



  • Our picks

    • Collections, but Comcast didn't let me pay.

      FixTheProblems posted a topic in Credit Forum,

      Hello good folks,
       
      Background: last October, Comcast locked my account because *a stranger* (mistakenly) paid for it with a credit card, and later disputed the charge with their credit card company and did a chargeback. Comcast made it so I couldn't use any type of credit/debit cards to pay. It took some give months to even expose this issue, as agents didn't know why my account was locked. I cancelled my account but they still wouldn't let me pay. Eventually, they sent it to collections, which very promptly hit my credit history with a "Collections" derogratory record.
       
      Unfortunate timing, because I'm in the market right now for a mortgage. Without this note, my credit history is close to perfect, with FICO8 of 835+, and VantageScore3 of 810+.  With this, the scores drop to about 710 and 760 respectively. Meaning, either mortgage denial or higher interest rate, leading to huge sums wasted.
       
      My questions are:
      1) What is the best way to get this rectified and get this record off my history?  
                  - Is it possible to do a "pay for delete"?  
                  - Should I be talking to Comcast or to the collections agency?  
                  - Is there something I need to to in the interim, like disputing the record?  
                  - What would be the fastest way to deal with this? Ideally, I want to apply for a mortgage in the next week if possible. If not possible, in the next 3-8 weeks.  
       
      2) Are there particular mortgage lenders that use a more favorable scoring so this one single negative record doesn't hurt my mortgage rate?  
                  - My understanding is, FICO8 has this 120+ point drop for the first negative record, while other scores (like VantageScore3) doesn't drop so dramatically. Is this correct?
       
      Thank you very much in advance.
      • 67 replies
      MarvBear

      Picked By

      MarvBear,

    • Titty Bank Wants More Smoke

      RehabbingANDBlabbing posted a topic in Credit Forum,

      So my DH had a Citi/Best Buy card that was charged off in 2017. After beginning our credit repair process, I noticed the account was reporting the payment history inaccurately on Equifax and Experian. We disputed many times, then ended up suing them for FCRA violations. They settled the case by forgiving the debt and deleting the account from all reports.
       
      But now they’re back! In 2020, they sent us a 1099-C for an amount just a little bit shy of the balance. I believe it was just the principal balance, which amounted to $4,600. Well, as you know, it’s tax season. And who decides to send us another 1099-C for the same account/debt? Titty bank. They put the full amount of the debt this time; which was about $600 more than the first 1099-C they sent.
       
      I have consulted my lawyer because it seems illegal for them to write off the same debt twice. He has advised we should sue them again. While I’m sure we can win the case, litigation and settlement takes about a year to do, based on our past experiences. It ended up costing us an extra $1,200 in taxes this year. What do y’all think? Should we spend more time and effort on this situation? I’m pretty sure Titty also violated terms in our settlement agreement for the FCRA case as well, in regards to them not pursuing further collection activity.
       
      Any advice would be appreciated.
      • 24 replies
      MarvBear

      Picked By

      MarvBear,

    • American Express Member Since

      MP80 posted a topic in Credit Forum,

      I have come across a credit topic involving data point information that concerns AmEx's D* policy (which no longer exists) which triggered and raises an important question that may be of interest to anyone who has an AmEx credit card in their relationship history with AmEx.

      This is to give credit and courtesy to an excerpt from the @cashnocredit post...
       
       
      "I had an Amex in 1974, which closed in the early 80s. Opened a new one in 2011 but they didn't backdate me then. Had no record of it (which was always paid on time)."
       
      Question? 
       
      Does AmEx have all your previous applications and cards approved and store all positive and negative data indefinitely?
       
      • 42 replies
      MarvBear

      Picked By

      MarvBear,

    • Vig's Points, Miles, Cash Back, Earnings, Redemptions, and Shenanigans 2023 Edition

      TheVig posted a topic in Credit Forum,

      I decided to continue another year of my glorified spreadsheet. 2022 was a disappointment in the shenanigans dept. Most of the dive hotels I stay at did remodels during the pandemic. Not too many WTH moments. Disciplining myself to go under 5/24, allowed me to add a Chase CSP and CFU to the mix in 2022. The various dumpster dive apps I use paid off. To the tune of about $2000 in value.
       
      Inflation being what it is, I'm more hyper sensitive than ever on what spend goes on what card, to maximize spend multipliers.
       
      Credit Cards:
      Amex Gold & Every Day MR 441,390
      Amex Delta SkyMiles 205,415
      Citi MileUp MC American Airlines 69,345
      FNBO Amtrak Guest Rewards MC 135,948
      Chase CSP / CFU Signature Visa UR 101,559
      Chase IHG Traveler MC 66,064
      BofA Customized Cash Rewards Visa (3% Travel) $0.88
      Citi Double Cash MC (2% CB / TYP Everything) 21,186
      Citi Premier MC Thank You Points 34,280
      Choice Privileges Visa Signature 360,660
      WF Active Cash Signature Visa (2% CB Everything) $87.44
       
      Shopping Portals and Apps / Stacking Opportunities:
      DOSH (CB) $18.56
      Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 6857
      Fetch Rewards (GC) 27,439 Points
      Ibotta (CB or GC) $7.65
      Upside (CB or GC) $14.15
      CoinOut (CB or GC) $8.65
      Payce (CB) $18.97
      Receipt Hog (CB or GC) 3156 Coins
      Receipt Jar (GC) 2013 Points
      Receipt Pal (GC) 4725 Points
      Shell Fuel Rewards (Earning AA Miles 2miles/gal.)
      Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)
      AA Simply Miles
      Airline / Hotel Dining and Shopping Portals
       
       
      • 170 replies
      MarvBear

      Picked By

      MarvBear,

    • When will this last baddie actually drop off??

      tps7c posted a topic in Credit Forum,

      Hi Everyone!
       
      I have one last bad account, unfortunately a repo, that is still on my Experian and Equifax reports. Before Experian changed their report format, at some point last year the repo account said "on report until April 2023." Well, it's April and it's still showing. Could it be until the END of April? Would it be worth calling Experian's backdoor number and asking about it? Maybe sweet talking them to delete it early? lol
       
      What do you guys think? In comparison, this account was scheduled to drop off my Transunion report in January and was gone in December. Equifax is the worst and it show dropping from the report in July. 
       
      Thanks guys!
      • 15 replies
      MarvBear

      Picked By

      MarvBear,
    View All

  • Posts

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.

Pages

×
×
  • Create New...

Important Information

Guidelines

  I accept