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Our picks
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Paying off CC Debt
zpcsc posted a topic in Credit Forum,
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.
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- 15 replies
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Can you all please give me guidance on my plan of attack 😢
Theirmomma posted a topic in Credit Forum,
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
Experian 558
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
Inquiries
Cap1 3/20 - unsecured card $300 limit in mail
Discover 3/20 - declined secured card
TU 509
Belk - same
Care credit - same
CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17
Discover -same
Sears-same
NFCU AU- closed updated 5/23 $20k limit exceptional payment history
Carmax-same
All the same student loan info
Collection
AT&T Mobility $1206 collection opened 9/18 updated 2/20
Inquiries Cap 1
EQ 535
Citibank same
Belk- same
Care credit same
Creditone same
Discover same
NFCU SAME
CarMax 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
Inquiries
Cap1 same-
- 25 replies
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BofA - Max CL/Based on Income?
Rogue posted a topic in Credit Forum,
Well as most of us know, BofA if nothing else, is at least fairly generous with their soft pull CLI requests on a regular six month basis. It has also been well established that BofA has a de facto MAX aggregate unsecured credit card limit of $99.9K for most mortals, however IIRC both Hege and PotO have exceeded this.
So my question pertains to MAX aggregate BofA unsecured credit card limits in relation to total income so that we can set better/more realistic goals and expectations with BofA and not waste our efforts in pursuing limits beyond the BofA underwriting paradigm.
My aggregate limits are just a fraction below 50% of total income, so how far should we push this?
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Nurse told me I’m in collections. Is that a violation?
MrsMoneyBags posted a topic in Medical Billing & Medical Collections,
So my ob office just called me back because I had a health question. The nurse told me I was due for an ultrasound but that they can’t schedule it because I’m in collections for $234. First, I had no idea we were past due but I’m not happy my nurse and probably my ob have access to my financial info. I feel like this could impact my care. I get being deactivated and not being able to schedule because of being past due. But the billing office should be the only one who has that info. If I called in, the receptionist should be the one to say they can’t schedule me until I talk to billing. It feels like a violation of privacy for the nurse to know bc it could impact how they see me and thus, how they care for me. Are drs and nurses allowed to know the billing info?-
- 4 replies
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Medical Collections Reporting Wrong
rcarteraz posted a topic in Medical Billing & Medical Collections,
Hello, I filed bankruptcy in 2016. Since then I haven't really done much to take care of my credit. Stupid, I know. The main issue I've had is running high balances but I recently pulled my credit reports to see if there was anything else going on. I found two medical collections on my report from after bankruptcy. However, I'm almost positive the services are from before my bankruptcy. For one of the accounts it reports on Experian as IIB with no balance but on Transunion it reports as active with a balance. I tried disputing it via credit karma but transunion came back saying it was accurate and now there's a note on it saying it meets FCRA (see attached image).
For the other account I'm almost positive it was also a service from before bankruptcy. What's the best process to go about confirming this info? Should I send a debt validation or dispute it with the CRAs? I worry that won't do anything because it didn't help with the other case.-
- 33 replies
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Posts
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Hopefully the follow up dispute will work. If not, a complaint to the CFPB has been effective. -
I am not into "scores" however elsewhere on this forum there are many who DO understand the various scoring methods and applications. I do believe that once you get rid of this medical account on your TU and Ex reports your scores with them will improve. Personally speaking,I believe the more credit cards a person has the easier it is for problems to crop up in any emergency situation. As to your student loan-- hopefully after Jan 20, 2021 there will be some student loan relief.
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I have found recently that TCB cash back is at or greater than Rakuten 90% of the time. Plus you can cash out at any time, with bonus options similar to Rakuten, rather than having to wait for the quarter to end. That is an enviable location travel wise as you have access to a hub for all the major carriers. At that point it comes down to preference. If you are stacking MRs on AmEx you have access to Delta and JetBlue for domestic (along with British Airways which can be used on AA, but there is a trick to it) and many carrier for Int'l. -
So what happens if used car prices fall, and that puts a dent in new vehicle sales? Answer: Auto manufacturers will increase incentives on new vehicles, making them more appealing compared to used. There are so many variables right now, including unpredictable new car supply, which could drive more consumers into the used market. The best time to buy a car is when you need one, not when you have money burning a hole in your pocket and you're hoping to time the market. -
In order to cash out MR, you need the Charles Schwab Platinum Amex. You have to have a Schwab account to qualify for the card, and it carries a $550 per year AF. Amex personal Gold has a $25k (100k MR) per year cap on 4x spending.
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