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Beginner's Credit Information

Definitions, explainations, where to begin

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    • I want to stop and say thanks. Thanks to each and everyone of you who helped me, I thank you. 
      So TU just deleted my last chapter 13 (filed in 2013, 2014 due to errors.).
      Equifax, I’m have to call them to delete address tied to it. 
      Experian is in the process disputing it as well.
      My Lexis Nexis frozen.
      Again thanks creditboards, you all do make a difference with your knowledge.
      I am really humbled and learn my lesson about credit in general. Before I mess up I’ll be sure to ask here.  I hope everyone stays safe and I can’t thank you enough. You all the best people. 
      • 11 replies
    • I received a collection letter from a law firm called "Linebarger Goggan Blair & Sampson LLC". It says they are attempting to collect a debt for the PA Office of Inspector General, and it says "Welfare Overpayment". I'm unsure of what this is about, nor do I know any details other than the amount due which is over $2k. 
      The letter also mentions "this is not a threat to file a lawsuit. At this time, no attorney has personally reviewed the particular circumstances of your account," and it asks for me to call a certain person at the company and gives a phone number.
      1. Since this doesn't mention a 30 day notice, should I still send a DV letter? If not, what is my next step?
      2. Does anyone know what the SOL (if any) would be in PA for a collections concerning "welfare overpayments"? 
      Thank you much!
      • 16 replies
    • I called Amex today to cancel my platinum card.
      I've decided to keep it for one more year. Retentions department gave me this offer. AF credit of $300 and 50,000 MR points. No spend threshold required. So my AF this year is $250.
      • 15 replies
    • I opened a Wayfair credit card through Comenity Bank back in July to add in a retail card to my mix of credit.  Of course, they closed their credit card program in September.
      Prior to closing, I made a purchase in an effort to keep my tradeline open and reporting on-time payments until it was paid off. However, the last payment reported was in August. For October's and November's payments it states No Applicable Payment History. 
      Will they no longer report my monthly payments?
      • 6 replies
    • I sent Experian and Equifax the same exact letter.
      The letter provided here about deleting old address.
      Experian obeyed and deleted address tied to BK.
      Equifax sent me a letter saying they can’t locate me a file and they want 2 copies of ID to help find my file.
      What should I do, send them a copy of SS, and utilities bill.
      • 7 replies
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