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CreditBoards Success Stories

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  3. I DID IT!!!!!!

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  4. Bernards success

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  5. My Success Story 1 2

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  6. CALady's Success Story 1 2

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  7. Feels so good :) 1 2

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  8. LUPOMAN's Success Story! 1 2 3

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  10. My sucess story 1 2 3

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  11. Motivation for the Newbies 1 2 3

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  12. Cattleya success

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  13. Keys in hand!

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  14. Thanks CB!

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  15. creditgoingups' successes

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  16. Thanks Creditboards! 1 2

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  17. MarvBear's Success 1 2

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  18. adoptolders' success

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    • 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. 
      • 7 replies
    • Hi WhyChat,
       
      I happened to bounce onto this forum whilst skimming through medical bills and need your assistance.
       
      In a bit of situation for which I am not sure what approach I am to take 
       
      (1) Wife had to undergo some medical procedures in 2018 and that resulting in some medical bills
      (2) I had missed a month of payment after negotiating a payment plan with the hospital unfortunately and it had gone through to debt collections
      (3) Reached out to the Financial Recoveries (debt collectors) and negotiatied another payment plan unknowingly to me that inspite of doing so that they would report it on my wife's credit report
      (4) Checked my wife's credit report this month and I see the collections records listed in her profile
      (5) Called Financial Recoveries and they were not helpful with my request to remove the records off my wife's credit report upon payment. They say that once its settled, it would be marked as closed and it would eventually 'fall' off
      (5) Called the hospital and asked them if they could claw back the debt so that I could pay it off with them and they could have Financial Recoveries pull it off my credit report. They had mentioned that I could pay the debt to either the hospital or the debt collectors but they have no control over the credit report issue.
       
      I am at loss right now as to what approach I should take to remove those derogatory remarks from her report and would appreciate any advise. I read that goodwill letter 'might' work after complete payment but there is no certainty of that.
       
      One thought that ran through is that if i were to pay the complete amount to the hospital they technically Financial Recoveries would have nothing to claim and they maybe 'bound' to remove those remarks? 
       
      Any advice is highly appreciated!
       
      Hisham
      • 16 replies
    • Hey, my (older) mother was at Macy's, using her store branded Macy's card (DSNB) she has had for 28 years, when one of the tellers said that they "had" to switch her Macys card over to "the new one" and asked her to put in the last 4 of her social security #. She did it, and only realized a few weeks later when get got a new Amex Macy's card in the mail that the cashier had signed her up for a new Amex Macy's card. She was livid and refuses to activate the card, but we all know that the card is already open and reporting on her credit report as a new separate card. She wants to close the account and have all records of it removed from her credit reports and wants to report the incident as well. What are the proper steps to take to get this done with minimal headache? This happened a few months ago but I am just getting around to helping her out with it now. Thanks.
      • 14 replies
    • Received some akimbo prepaid card.
      Never heard of them.
      Identity theft I suspect.
       
      Funny it came to me in c/o of me.
      Filed a complaint with CFBP and will call these people on Monday and tell them to remove my name and address from their database.
      Has anyone dealt with them.
       
      I am holding onto the card just incase I have to get a lawyer involved.
       
      • 8 replies
    • After many years with AT&T I decided to go with Verizon with the condition of no hard inquiry. The dealer agreed along with the manager.  Knowing  this did not mean much I had a paper agreeing to this  agreement signed by the manager. Of course a hard was on EQ.  
       
      I contacted the EO of Verizon and the manager admitted to this at which the EO agreed to remove the inquiry and was sent the following e-mail with a follow up call. :
       
      Thank you for bringing your concerns to the attention of xxxxx xxxxxxxxx, SVP-Consumer Customer Service . We are committed to providing you with a stellar customer experience everyday. We value and appreciate your feedback when we may fall short of that commitment.

      I am glad that we were able to resolve your concerns by submitting a suppression request to the applicable credit bureau.  This credit suppression should occur within 60 days.

      Thank you for your patience in the resolution of this matter and your continued loyalty to Verizon.

      Sincerely, xxxxxxxxx xxxxxxxxx
       
      2 months later the inquiry is still on EQ and it claims no contact from Verizon. The case is now closed and I can't get in touch with the signee of the e-mail and phone call. All I get is the EQ refuses to remove it as we can't do anything to force EQ to remove it. BS I told another Verizon  EO official and ended the convo.
       
      What should be my next step? Thx for any advice.  
      • 8 replies
  • Posts

    • Tralston, the name of the Credit Agency is Capital Management in Buffalo, NY if you have heard anything about them...date of default was the end of 2016, I'll look up the exact date.
    • Thank you Tralston and Centex for your helpful input!
    • Hi Tralston,   Thanks very much for your input.  I hope DC's SOL trumps all of them.    To answer your question about whether this is a private loan, it is not listed on the nslds.edu site.   I spoke with a couple of attorneys in OH and they both said the private loan is not dischargeable in bankruptcy unfortunately.    If there is any loophole about the loan being dischargeable, I haven't found it yet but plan on talking with a DC lawyer on Monday--I'll let you all know what she says.  Idk.  There are so many ways this could go.  Crossing my fingers.   Thanks very much again
    • Doc's SOL might trump Ohios. New York's might as well, since that's where you lived when it defaulted. Someone with more experience on that might be able to answer. As for whether your loan is a private or federal student loan, did you get it through the school, or did you go directly to Key West to get it? The best way to know for sure, is to get on the nslds.edu site. It will list all of the federal student loans you have, and their status. If this loan is not on there, then it's a private student loan. If it's a private student loan, then it's the same as any other debt. As for it being dischargeable or not, again, a bankruptcy attorney can advise you on your specific circumstances. We can only tell you that there's a possibility, one with a higher likelihood of being dischargeable if it's private. Sent from my SAMSUNG-SM-G890A using Tapatalk
    • Ordinarily, the BEST place to find DOFMD is in your file cabinet where paper statements would be in a file folder.  Barring that, you need paper reports directly from the four major bureaus.  You then match that data up with your bank records.   I'm guessing Green Path is one of the third-party screw-everything-up debt management companies- if an account was not already charged off when those companies were hired, you can bet it gets charged off not long after.  If that is the case, then it is all but guaranteed that accounting will be screwed up and that the limitations expiry for litigation has likely been prolonged (although you will need to review the statutes for your jurisdiction to know for sure- I don't practice in Iowa and I am not going to go digging through the statutes and case law applicable to that State).

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