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Last week I got an email that my Target Redcard was closed due to inactivity and this week I got an email that my Discount Tire card was closed. Both have been paid off over a year. Never late on either. CL on target was 1k and on Discount tire 800. Not a huge thing for DT..but still. I was getting close to needing new tires on my car in a few months. Had Redcard since 2006. Used it a whole lot back in the day when I had 3 kids to buy supplies and clothes for. Now it was last used over a year ago probably for christmas or something. I guess my credit will take a hit now? I have about 3 more cards that are paid off and I'm sure they aren't far behind closing them either. No lates on those either. I've just been really concentrating on paying off the cards I still have with balances on them from.
Credit help respectfully requested - Road to recovery regarding collections. Finally got address deletionTL;DR at the bottom for convenience. Thank you in advance for any help at all.
Hey everyone. I’m a long time lurker and user. I started lurking around high school in 2006-2007, with my undeveloped brain trying to build up credit and supercharge my sign up bonus potential.
In 2014, a close family member passed away from cancer. I used my credit to help pay that debt so that treatment went uninterrupted. At one point the bills got so high, that not only could I not pay them back, but I couldn’t even pay for them as they exceeded the limits of my cards. Debt and credit limits meant nothing to me in a bid to save my relative.
I’m no stranger to WhyChat’s dispute process. Years later, and many whychat dispute letters, I’ve unsuccessfully removed only one collection out of a handful (tried this process a few months ago).
Some of these collections and charge-offs are linked to business cards and auto leases.
Fast forward, I tried something new and managed to get my business addresses removed from every CRA. TU and EX confirmed removed, with EQ still pending but should be successful as well.
I’d like to start one thing at a time and focus on removing any collections and negative accounts related to those business addresses. Should I send dispute letters out again even though I was just denied a few months ago, prior to the address deletion?
Next issue is certain collection agencies have been increasing the balance of my collections every month by $20-70 probably to actively hurt my credit. Collections that were set to expire 2021-2023 are now 2026. For anyone wondering the name of this virulent collection agency, it is Cavalry Portfolio. [im desperate to find the light at the end of the tunnel
TL; DR: business Addresses linked to old collections and charge offs successfully deleted. Should I resend the dispute letters or so them online, since it’s pretty a straight forward mismatch of information?
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I elected to pull the trigger on the new United card the other day. As expected, there was a pull on EXP. No instant approval. I see a pull from the following day on a different bureau (TU).
I am curious whether this is becoming their new normal. Recording still has the 'under review' message.
Scores at the time of the respective pulls are somewhere between 820-838 depending on just which flavor of Fair Isaac modeling was utilized...and as near as I can tell, I SHOULD be under 5/24 since the one that would have put me at 5/24 had been opened in the early part of June 2018 (thus being OUTSIDE of the two calendar year window).
Last time I opened a non-auto product with them was in the days of the Continental PresPlus card which I ditched after the merger with United. I actually only expect to keep THIS one for the year since the fee is waived in year one and I want options for the airports that don't have a Centurion Lounge.
Hello, I've been playing with my cc debt for a while now. I've opened new 0% accounts as suggested on these threads. When the 0% is over I transfer it to another one with 0%, accounts that I already have open. Now with the situation that we are all in, it's going to be a little tougher to pay more than close to the minimums. We owe a total of $25k, I've also worked with my DH's available credit for the 0% cards.
I am so tired of this debt! Our credit is good over 700's. I've thought about a personal loan since we receive lots of promotions on these, are these loans personally guaranteed?
Years ago they weren't but so much has changed.
Thank you for all the suggestions.
First thank you for all the knowledge posted here, I have followed CB off and on for over 10 years.
So here is me current credit Pic and I don't know what approach to take... except getting credit one and the AT&T charge offs removed.
Once I receive me new unsecured Cap 1 I'm hoping that gives me a score bump because I really don't have any open accounts as you can see. Discover said no to their secured card 😢 I have been a member of NFCU since 97 but my account is dormant just need to deposit money in savings to make active. But I was thinking I need to wait until I clean up my TU and bring scores up before trying for their secured card.
I'm assuming the student loans are hurting me but didn't want to contact them until I got better guidance from you all.
I could desperately use some guidance from you all
Fico 8 eports & scores as of March 10
Citibank AU $6500 limit $4977 =76% usage - 9 years old never late - I disputed this account due to usage being high and it was removed- no change to my score
Belk AU $9000 limit $1666 balance = 20% usage- 20 years old never late
Care Credit AU$4000 limit $0 -no usage - 8 years old never late
Sears - closed AU no negatives
CarMax paid closed $19,117 -opened 4/14 closed 7/15
Acendium student loan 44 lates CO $2872 updated 8/16
EDSOUTH student loan 10 lates CO $1750 account transferred to another office last update 8/16
EDU SERV OF AMER student loan CO $1984 account transferred to another office last update 12/14
FED LOAN SERV- closed exceptional payment history 5/15
GLESI/ Bank of America -closed exceptional payment history 2/12
US DEPT ED/ GSLI closed CO $1017 seriously past due last updated 2/20
US DEP OF EDU/ GSLI closed CO $2701 seriously past due updaye2/2020
Cap1 3/20 - unsecured card $300 limit in mail
Discover 3/20 - declined secured card
Belk - same
Care credit - same
CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17
NFCU AU- closed updated 5/23 $20k limit exceptional payment history
All the same student loan info
AT&T Mobility $1206 collection opened 9/18 updated 2/20
Inquiries Cap 1
Care credit same
Credit union atl $3803 CO auto- opened 4/11 CO 12/14 - consumer disputes
EDSOUTH GLESI SAME
EDUC SERV AMER same
FED LOAN SERV same
FED LOAN SERV same
US DEPT EDUC same
US DEPT EDUC same
Picked ByMarvBear ,
I expect it's safe to assume that we're not talking about this "NWA":
Watch out, FIRE fans: New reports say retiring early can give you Alzheimer’s
Yeah. This is perhaps the biggest issue because it has a potential long term impact on survivors and nearly everyone under 69 survives. In a way it's like polio and in other ways, it's not. Polio caused fewer deaths in those that got it and a smaller percentage of the population was susceptible, but still, maybe one or two in a thousand people that got it suffered permanent paralysis. Polio had been endemic for thousands of years and didn't affect large numbers each year due to a fairly significant herd immunity from previously infected and recovered people. But it would come and go and the rows of kids on iron lungs, while small in comparison, was heartbreaking. March of Dimes and all. The long term effects of Covid-19 are not clear yet but there is increasing concern due to a larger percentage of younger people having problems months after "recovery." Probably won't have a good handle on it for quite some time.