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  • Our picks

    • Hi! 
      I applied last week for a Citi Costco card.  My credit score at the time was 732 with Experian, which they use.  I was denied.  I had 2 inquiries.  One from refinancing my home and 1 from Samsung for a phone.   My debt ratio is 37%.  I have NO late payments in the last 7 years and have 11 open lines of credit.  I have a Citi Simplicity, Sears Shop your Way through Citi, Mobil and Shell both also through Citi.  None of my accounts are at the limit.  None have ever had a problem.
       
      I received my denial letter today.  It says that I am being denied because of a past BK where Citi was involved.  Yes.  1992.  It says that my current accounts have many missed and late payments and that my account is now restricted.  WTH?  
      Totally untrue! I checked my Experian report and there is no problem there.   Is it the BK in 1992?  That is NOT on my credit report! 
       
      I cannot find a way to get through to Citi, dispute this and ask for reconsideration.  Help!!  Does anyone know of a way that I can actually speak to someone?  Also, what is the best way to ask for reconsideration?
       
      Thanks for your help.
       
      Pretty pissed in WA State!
      JayBird
       
       
       
       
       
       
      • 22 replies
    • Am I correct that once sent to collections a medical debt can't show up on credit reports for 180 days? Is it also true that once PIF, medical collections have to be removed? long term, that's all I really care about. My reports have 0 collections and I plan on keeping it that way.
       
      Background: Had to go to ER with (still) unknown medical issue back in Nov. I've been working in extreme pain since then. I have a HDHP with HSA so I hit my deductible and yearly out of pocket in 1 shot. They billed $XX,XXX. Insurance negotiated billing knocked it down into the high 4 figures, then insurance payments knocked my out of pocket down around a few grand. My HSA has around 40% of the total available. It is contributed to on a weekly basis. I tried to negotiate paying over time with my HSA but was turned down and told to get a loan. If I made very slightly less I would be eligible for financial assistance (actually paying $0 out of pocket) and/or Medicaid. Instead I pay around 20% of my gross income for health benefits. Anyway, that's not particularly relevant - I just think it's dumb they wont accept payments over time, even if I contribute and pay the IRS maximums from my HSA on a prorated basis.
       
      So, it will soon be 120 days and they've threated with collections. I was scrambling thinking about sending them my entire HSA balance and putting the rest on credit cards, because I do not want my clean credit ruined for 7 years. But then I thought "Hmmmm. Weren't there some changes and extra protections when it comes to medical bills?" and I came across the info/assumptions in my 1st paragraph. I plan on paying it, I can pay it easily in 6 months, but paying in full by next week is going to be rough, especially since I still don't know what is wrong with me (have a followup with PCP next week, at least). 
      • 7 replies
    • Hi All,
      There was a "guy" who came knocking on my door and wanted to leave some paperwork for me. My girlfriend said I was not home and asked him to leave, this guy threatened to come visit me at work etc. He came back a week later, and though our Ring camera I asked him to leave the paperwork underneath a mat - he did. The paperwork is a Summons to Answer.
       
      First - I'm not quite sure if this is legal and authentic as I figured I have to be served this type of paperwork. I did some research, and this CA (Professional Finance Company), has a Summons to Answer with the local court for about 3 people a day everyday. Mine is due mid-April.
       
      Story: Debt is 5 years old, the OC send me some invoices for 6 months and then I got one notice from Professional Finance Company that they are in possession of my debt, and that's when I last heard from them (and this showed as a collection with all three CRA).  The Summons to Answer is also requesting me to pay an interest charge Professional Finance Company has been charging on this debt as well (which I believe is not legal). The total with this interest charge is less that $1,000
       
      Questions/Steps:
      I started Why Chat's HIPAA dispute process, so far I've been able to OPT-OUT, get my credit reports, requested a new DL showing my new address for the address delete letters. I'm quite concerned that I might not have enough time to complete the whole process by my Summons to Answer due (I figured that if I was able to complete, my answer would have been a copy of the Certified Bank Order stating that this debt is not valid as it's been paid in full); not sure if my thinking is correct on this one. I'm quite concerned that what I do in terms on answering this Summons to Answer it will show as a judgment on my credit reports.  I'd like this to disappear when paid (I understand there is a process I can take when this will show as "Collection - Paid in Full" - I've been working really hard on trying to clean up my record and pay any debts that are valid.  
      Thank you for any help! 
      • 12 replies
    • Hi!  My wife and I are refinancing our house to lock in the 2.35 rate.  She has 850 score and perfect credit and makes the Mula$$  Me, I make 1/2 that, did a personal BK in 2013 scores only about 680 and only $3K in debt with several cards and perfect history for the past 5 years.  We are both on the Deed.  Should I bother putting myself on the mortgage with her?  We are only doing a 15year and her income is sufficient to qualify so thats no worry.
       
      Would it really help the Fico score much being on it?  Our previous mortgage is a flawless payment history (which we are both on)
       
       
      • 9 replies
    • Hi all,
       
      There is a collection on my EX and TU reports (OC is Sprint)...in early 2020 it was owned by Enhanced Recovery Assoc, but after sending a DV they removed it and apparently sold it to AFNI, who has been reporting since December 2020. Just when I was about to send a letter asking them who in the heck they thought they were to be reporting on my credit without contacting me first, I received a letter from them dated 2/26/21. Problem is, it's not addressed to the "right" person. Without giving my actual name, it's the equivalent of if my name were Jane Williams-Jones...and the letter is addressed to Jane Will-Jones.
       
      I have a DV letter all typed up, but my hesitancy in sending it lies in this...if they don't currently have my full legal name (but obviously have enough info to ding EX and TU) is there a way I can get them on that *without* disclosing to them my actual legal name?
       
      In addition, they have listed an "on record until" date of June 2025 on EX and Aug 2025 on TU (no DOFD listed on either CR), which means they're trying to collect on something that I guess went delinquent sometime in 2018, when I still lived in NC. I've lived in GA since August 2019, and have no clue how they got my current address, unless it was somehow furnished by ERA. I do have in my DV draft a request for the DOFD, but if I've moved, how does this affect SOL? Also, is SOL calculated from when whatever 2-year Sprint contract they're saying I signed began, OR when the account went delinquent?
       
      Thanks so much for your guidance.
      • 13 replies
  • Posts

    • You should probably put together the short list of cards that meet your criterion.  Then mail each card issuer and request that they send you, preferably by return mail but by email would be acceptable, a photo of the outside and front lobby of the post office that contains the PO Box where payments are submitted.  If anyone responds, that's your card. 
    • I'll rephrase my question.   Why would anyone whose family isn't a collection of scheming losers not want to be presented with offers that could lead them to better products?
    • DH's Cap1 Platinum CLI from $1100 to $4100. Instant after one year.   Six months ago Cap1 (without requesting) did a measley auto increase at exactly the 6-month mark upon credit card approval of $100.
    • What you need to do is start an LLC so you can get business cards. Sidewinder's Underwater Basket Weaving, perhaps? 🙂 The AmEx Blue Business Cash is nice for 2% cash back, no annual fee, and a $250 SUB.
    • I'm not sure about this. TBOM also issues the Ollo cards. They have the 2.5% flat cash back Optimum card. The only problem with that card is that it is invite only. My DH just got their Rewards+ for nurses, which is a 2% flat cash back card with no FTFs and no AF. They started him with a $2k CL, which is great for someone rebuilding.   Anyway, I think TBOM and some of these other shadow banks are going to become more prominent in the next few years as we see more fintechs issuing credit cards. It seems like the fintechs prefer to design the card and then let one of these shadow banks do the rest of the work for them. Celtic Bank, Deserve, Evolve, Coastal Community Bank, and a few others come to mind. What's interesting is that these shadow banks are behind some super basic cards (like Jasper and Tomo) all the way up to some more premium cards (X1, M1 Finance, BlockFi). I also believe we will start to see credit unions and smaller banks start using these shadow banks to issue cards, rather than Elan/US Bank or other larger card issuers.
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