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    • (if I posted this incorrectly I apologize)
      Without a long drawn out story I'll just quickly lay out the facts:  Had a great mid-700's score a year ago, now i'm low 500's. I'm a 32 year old homeless vet with about $28K in debt. I currently work part time and attend school fulltime (paid for through pell grant and I was awarded a small scholarship)
      I'm debating whether to file Chapter 7 or dispute everything (I've been reading about the letters, and the jack attack)
      I'm just so lost. One minute Ch7 sounds like a great idea, but then I remember the consequences that can come when I am in a financial place to look for residence, then the next minute I'll think GREAT! I'll just dispute everything and hope it gets removed so my score improves dramatically (and hope the removals don't come back)
      I'm in a unique position now where either option seem good. I can provide more clarity on my situation as well, I'm just embarrassed at having to be writing this post in the first place.
      • 58 replies
    • Well I finally pulled my fico scores and Im satisfied with the progress thanks to everyone help. Question is now how do I see my mortgage scores. I paid for experian to get fico thinking I would get all three mortgage scores but it only gave me Experian's score. If I buy my fico will it show all three mortgage scores?
      EXP 541 to 669
      TRANS 520 to 636
      EQUI 520 to 655
      • 4 replies
    • Greetings, Thank you kindly for any and every response before + after the fact.
      Regarding a one year apartment lease. it's been just over one year since moving, first collection company contacted me in May, and again June - weird, it's like the complex sent it twice. It shows twice as the same amount, a $1998 charge-off. I would love to sue the apartment complex or some way hold them accountable - serious wrong doing and lies.
      Now just want the simplest way to move past it. Question is, when disputing to the 3 bureau's is best to make my case, describe what happened etc or is there some technicality to just have it removed? I was reading another thread about them having to be bonded in the state? I'm in Fl. 
      Also, are the disputes best done online, is that more common or do people mail nowadays?
      Quick recap if that helps:
       Lease expired 11/1. I was out 11/19, which of course is late, but I do have in writing from Manager to allow me to stay without fees if out by 11/16. the elevator was broken 11/12-11/16 creating the necessity to complete move 11/19. 
      They had a $1519 security deposit (one month). I was dumb enough to think a refund was coming, it was over the Holidays, and hopeful, I contacted Manager whom I had been in contact with, told she with a new property. My papers processed by someone else. I get notice on door of missed package, sign thinking they will leave it the next day, track it, and it shows "return to sender". SO I've never received itemized bill. 
      The only way that I have any idea what they chalked the fees with is a respone from manager on an online review I left for them. They stated that the carpet needed to be replaced.
      I Left that apartment EMPTY. I also filled in a move-in checklist and noted the carpet on it.
      Regardless, how does a $1519 deposit turn into a $1998 Charge-Off??!!!?!!
      Anyway, it boggles the mind that the apartment complex has done this to me. it's despicable, really. One of the reasons the Manager granted request initially was that I paid on time every month, had no issues. The fact that they would sever what could have parted amicably is beyond me.
      It's been a year...still think about suing, but would appreciate any advice. it took my credit from 700 to 600.
      • 27 replies
    • 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. 
      • 19 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!
      • 16 replies
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