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Advanced Credit Topics

Advanced credit topics such as high-value credit limits, rewards cards and strategies for maximizing rewards

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  6. Chase Offers List

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  7. Citi gold $1500 SUB

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  • Our picks

    • 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  
      • 10 replies
    • 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?
       
       
      • 15 replies
    • 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
    • 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. 
      • 23 replies
    • Hello, this is my first post.  I’ve spent time reading some recommended posts from “start here” but some of it became a little confusing/overwhelming so hopefully I’ve read enough to make my first post.  
       
      I first used one of my free annual credit reports in 2016 through Experian and the following information was reported negatively:
       
       
      1) 60 days late as of Oct 2013
      status: paid, closed. 
       
      2) 60 days late as of Sept 2013
      status: transferred, closed. 
       
      3) Debt collector date opened 9/2014
      Status: past due 
       
      4) with an old bank account I had a few 30-day late months but was then current and it was never 60 days late.  The last time I was late was Nov 2012.  My account closed in 2014.
      Status: paid, closed. 
       
      5) sent to collections
      collections opened 8/2012
      status: past due as of 2015
       
      6) sent to collections
      Collections opened 8/2013
      Status: past due as of 2015
       
      7) Past due as of 11/2012
       
      8) past due 12/2012
       
      9) paid in settlement. last reported 7/2014
      10) paid in settlement. last reported 7/2014
      11) paid in settlement. last reported 7/2014
       
      12) as of June 2011:  transferred, closed
       
       
      I used Experian again in 2019 for an updated report.  I likely need some help finding the updated information please.   I printed my report in 2019 and it looks a lot different and it’s shorter.  
       
      my current credit score as of today is 672 according to Experian. 
       
      I met my figure husband in 2014 and he has helped me a bit but we don’t know all the right answers.  He has a high credit score and since we’ve been married he’s added me as an additional signer on his two credit cards.  We keep our usage of available credit low, usually around 10% and we pay in full every month.  I believe this has helped my rating climb from in the 500s to where it is now.  
       
      QUESTION 1)
      Now that my score is above 670, would it be helpful if I applied for my own credit card, and linked it to our bank account to pay in full every month, or do I get the exact same credit benefit form being added onto his cards?
       
      QUESTION 2)
      I read information on this form discussing the removal of old addresses.  I have two old addresses on my account.  I left both prior to 2014.  
      On this same topic I have 2 old phone numbers linked to my account. 
      I assume I need to keep all of my names (madden names, with and without middle initials Etc) but there’s one name listed for me as Alii not Ali, should that be removed too?

      QUESTION 3)
      I just looked at my free Annual report from Experian in 2019.  Should I use one of the other 2 soon and see what those reports say? 
       
      QUESTION 4)
      where should I go from here.  How am I to begin repairing past credit?  I’ve been solid the last half decade so moving forward things will be ok, i’m just still dealing with the past.  Maybe all I can do is wait until enough time passes but I’d be grateful for any advice. 
       
      • 28 replies
  • Posts

    • Short and simple and very direct is my preferred method.     Date   Name of entity Address City State Zip   Via registered mail   To whom it concerns:   Your credit file contains a wrong name, address, and social security number.  You must correct these items.  To assist you in correcting your wrong information, I am enclosing a copy of my    1. State issued Driver's license.  2. Copy of my Social Security Card. 3. Copy of a current utility bill that proves residence.   I will look forward to receiving an updated credit file disclosure with the appropriate corrections made as there is no other name, nor social security number which may be associated with me.   Sincerely.   Your Name   enc: drivers license, social security card, utility bill.  
    • Hello, I have found sample letters for disputing old addresses but is there a letter to dispute names and social security numbers?   My mother and I have similar names.  I'm Carol Ann and she is Carolyn Mary.  We used to have the same last name and of course, I lived with her in my teens and 20s but its been 25 years since I lived with her. They still have her name and social security listed on my credit reports.  I've disputed on line (I know you are not supposed to do that)   Is there a letter for this kind of thing?   It seems like a way worse offense then just old addresses so I'd like my letter to reflect that importance. Also, what kind of evidence if any should I send to them? Do I need to get a lawyer involved? She doesn't have bad credit but I don't want anything to screw up my credit by accident.
    • Your question is addressed in the FAQ on this page:   https://update.wf.com/coronavirus/home-lending/?_ga=2.54795179.1857517985.1585409314-630800270.1581016513    You can make the request by logging into your account and using the Secure Message Center.    
    • So yesterday I got out of the house to run some essential errands. I picked up prescriptions, did some banking and finished up stopping at the liquor store. Don't judge. The liquor store is open so it's an essential errand. Oh never mind! So after pulling into the liquor store's parking lot I proceeded to armour my face with a face mask and then I went inside, picked up some merlot and walked to the front register. There was only two other people in the store besides me: the owner and a young man at the front counter totally engrossed in his scratchers lotto selections and oblivious of anyone else. I noticed a fowl odor like rotten eggs. It was pretty noticeable. The young man turned and looked at me and became visually uncomfortable and looked away. Then he looked at me again and quickly looked away. Poor guy, he farts and sees this person with a mask on. Hahaha! He looked so embarrassed.
    • My dad: US Bank Altitude Reserve.    

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