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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.
Picked ByPam ,
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
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?
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?
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.
Never heard of them until your post. From looking at the web site, it looks like they finance retail purchases. An installment account only helps your scores while it's open. So if you buy something with 6 or 12 payments, once you repay the loan it's like the account was never there (score-wise). And what's the interest rate? Check out the threads that discussed secured installment loans from credit unions. Take out the longest possible term and pay most of it off almost immediately (this maximizes the duration of the benefit and minimized interest expenses).
Please put this Vantage nonsense behind you. Vantage Skores are a running joke here because no one uses them to extend credit. I "lost" 50+ fake points when a routine balance reported recently. But it could have just as well be a 400 point loss or a 7,000 point gain, because it will have zero impact on my life. Here is how actual creditors see me through my FICO 8 scores: If you received a job offer with a salary denominated in Venezuelan bolivars, how helpful would that be in determining the type of lifestyle you could have if you took the job?
Finally received an update from Experian... in short the collection stays.. the company that reported the information has certified to Experian the information is accurate. the information was not changed blah blah blah... So TU deleted immediately... EX validated and I have heard nothing from EQ. and to top it all off the OC hasn't cashed the check they received over three weeks ago according to the bank. not sure what to do next... All advice is welcome.
If the accounts have not been sold to a CA they may be caught in the lender's automated computer system. Try this; https://whychat.me/GUIDEBOOK.html https://whychat.me/SOL PROGRAM GUIDE.html The initial dispute letter to the CRA's may get them deleted IF you have not done anything to get them back into the lender's active computer system by contacting them. https://whychat.me/initdispltrsol.html Use the underlined phrase ONLY if the OC is reporting