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Archived Pinned Topics

Formerly pinned topics that are still relevant and still provide knowledge, but don't need to be pinned in the main forum.

35 topics in this forum

  1. Pinned topics

  2. New Eq Counter-go to last page for updated counters 1 2 3

    By mmalone120,
    • 62 replies
    • 60.7k views

  4. guide to Capital one & the 2fer deal is dead 1 2 3 4 93

    By mrjuggalo9er,
    • 2.3k replies
    • 159.3k views

  5. NFCU Now Accepting Coast Guard 1 2

    By Matti,   
    • 32 replies
    • 25.1k views

  6. Actual FICO Score Ranges 1 2 3 4 5

    By qwerty4,
    • 107 replies
    • 94.9k views

  7. **ONLY** IF YOU HAVE BEEN F/R'D BY AMEX 1 2 3 4 6

    By breeze,
    • 130 replies
    • 86.5k views

  8. Pay OC Instead of CA Process + Letter 1 2 3 4 5

    By shifter,
    • 108 replies
    • 61.6k views

  9. The Master of Master Master Threads 1 2 3 4 5

    By futurehomeowner?,
    • 108 replies
    • 91.3k views

  10. Newbies - for more than 60 days 1 2 3 4 67

    By breeze,
    • 1.7k replies
    • 170.1k views

  11. 1-2 punch flow chart 1 2 3 4

    By breeze,
    • 84 replies
    • 126.2k views

  12. Consumer Financial Protection Bureau 1 2 3 4

    By ICANHASMUNY?,
    • 84 replies
    • 55.6k views

  13. FAQ regarding judgments 1 2 3

    By dixiedrifter,
    • 55 replies
    • 95.7k views

  14. I had the 1-2 punch flow chart redone as my way of saying thanks to the community 1 2

    By Jamesshrugged,
    • 40 replies
    • 39.4k views

  15. New IRS Policy 04/02/2011 1 2 3 4 18

    By Mervynsb,
    • 438 replies
    • 117.1k views

  16. Do you support current Amex FR Policy ? 1 2 3 4 7

    By ConcordUser,
    • 150 replies
    • 59.6k views

  17. YOUR "COLLECTION SCORE" 1 2 3 4 6

    By ICANHASMUNY?,
    • 130 replies
    • 107.6k views

  18. How To Pay Your Debts 1 2 3 4 5

    By Why Chat,
    • 116 replies
    • 116.6k views

  19. CB list of lawyers 1 2 3 4 5

    By breeze,
    • 123 replies
    • 106.8k views

  20. Links to the Free Online CRA Credit Reports 1 2 3 4 5

    By ASayre,
    • 106 replies
    • 162.8k views

  21. *BETA* Automatic INQ Counter for EQ and TU 1 2 3 4 10

    By ctb89,
    • 239 replies
    • 92.6k views

  22. B* Tracker Spreadsheet obsolete-B* is dead 1 2 3 4 5

    By junkyour925,
    • 118 replies
    • 66.3k views

  23. Texas law seems to require CA to Delete if They fail to Respond to DV 1 2 3 4 39

    By walterg55,
    • 960 replies
    • 286.7k views

  24. FTC shuts down fake payday loan collection scam

    By ICANHASMUNY?,   
    • 20 replies
    • 16.7k views

  25. Confused on the Thirty Day Deadline issue? 1 2 3 4

    By jack1212,
    • 81 replies
    • 78.5k views

  26. Are You Ready to Start Your Credit Repair?

    By nolanryan,
    • 0 replies
    • 16.3k views

  27. state collection agency license boards 1 2

    By Sultan,
    • 40 replies
    • 48k views

  28. For you daily pullers out there 1 2 3

    By MannyLNJ,
    • 51 replies
    • 81.6k views

  29. New Rules for Spoofers

    By Jen23514,
    • 17 replies
    • 26.2k views

  30. HOW TO DEAL W/ DEBT COLLECTOR PHONE CALLS

    By ICANHASMUNY?,
    • 1 reply
    • 23.1k views

  31. Military deployment and credit 1 2 3 4 6

    By breeze,
    • 130 replies
    • 414.5k views

  32. 1-2 Punch flow Chart 1 2 3 4

    By moneymonkey,
    • 92 replies
    • 92.8k views

  33. WHY CHAT'S SELECTED POSTS 1 2

    By Why Chat,
    • 37 replies
    • 46.2k views

  34. All you wanted to know about LVNV

    By radi8,
    • 4 replies
    • 23.7k views

  35. CB 'Hall of Fame' Threads

    By honybee,
    • 22 replies
    • 29.7k views

  36. NFCU Eligibility Requirements *UPDATED*

    By Chris in OK,
    • 0 replies
    • 21.1k views

  37. ANNOUNCEMENT: The official CB policy on "no credit" financial advice

    By CargoJon,
    • 0 replies
    • 24.3k views

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  • Our picks

    • Still No Apple Love

      ImBack posted a topic in Credit Forum,

      Tried again for a CLI with Apple.  Here’s the Dear Jane email I received:
       
      Goldman Sachs Bank USA could not approve your request for a credit limit increase because:
      You have not used and paid enough of your Apple Card credit limit since your last credit limit increase  
      Goldman Sachs Bank USA received your credit score from TransUnion Consumer Solutions.
      Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.
      Your credit score (TransUnion FICO® Score 9) as of December 19, 2022:
      825
      Credit scores range from a low of 300 to a high of 850.
       
      ‘Have a decent line in excess of 20K, pay down every month before balance posts. It would seem odd if the algorithms think I’m not running anything through the card. Usual monthly spend is $1,200 or so. 
       
      As an aside, TU FICO 8 is 817. 
       
      Can’t figure out why I keep getting rejected. 
      • 8 replies
      MarvBear

      Picked By

      MarvBear,

    • Can You Settle New/Young Debt?

      DynamiteMan posted a topic in Credit Forum,

      Long story short
       
      I have $200,000+ in personal Loans and Credit Card Debt. I am about to stop paying and let them default in March. 
       
      All the personal loans are new debt and are 6 months old. The credit card I have had for awhile. 
       
      I got screwed trying to start a new business, and can't afford to pay these back. I make $78k a year. 

      I have access to $150k cash
      I don't own a home
       
      Here are my debts
      Wells Fargo Credit Card $15k
      Wells Fargo Personal Loan $40k
      Sofi Personal Loan $70k
      Amex Personal Loan $9,500
      Laurel Road Personal Loan $30k
      Lightstream Personal Loan $20k
      Discover Personal Loan $35k

      I am trying to avoid chapter 13 bankruptcy. 
       
      So my questions are..., based on your experiences, do you think I'll be able to settle all these debts with my $150,000? Or will they not budge since the debt is so new?
       
      Will they just sue me right away and only take the full amount? 
       
      Will they consider this fraud because the debt is only 6 months old? 
       
      Please let me know what y'all think. Thanks!  
       
      PS. Please don't judge, my life is ruined for awhile so I am looking for serious help. 
      • 23 replies
      MarvBear

      Picked By

      MarvBear,

    • Master 2023 Approvals and CLIs Thread (Post Yours!)

      TheVig posted a topic in Credit Forum,

      Happy Credit New Year!
      • 16 replies
      MarvBear

      Picked By

      MarvBear,

    • Receive Real-Time Notifications if Credit is Thawed?

      KeepItMovin posted a topic in Credit Forum,

      Is there a way to get such alerts apart from signing up for paid services?
       
      I'd love to get a text if any of the "big three" are thawed but haven't been able to figure out a way.  There's no such options at their websites and I don't think push notifications (from email) is available either.
       
      Any ideas appreciated!
      • 15 replies
      MarvBear

      Picked By

      MarvBear,

    • Alliant CU TransUnion Vantage 4.0 Score Arrived

      MP80 posted a topic in Credit Forum,

      Good Lord! 2 new Inquiries plus 4 new accounts, and no change in Vantage 4.0 score. Man, I tell y'all.
       
       
      • 7 replies
      MarvBear

      Picked By

      MarvBear,
    View All

  • Posts

    • StarkRaven$
      Nearly half of Americans 'sacrificing recession preparedness' with monthly banking costs

      By StarkRaven$ · Posted

      I believe the monthly minimum direct deposit is $1500 for Chase and maybe Alliant. With the type of checking I have, maintaining a certain account balance doesn't matter as long as I'm not overdrawn.
    • MP80
      Paypal high quality "invoice" scam alert

      By MP80 · Posted

      I see PayPal scams every week and I just delete them. The good news is I know I don't have a PayPal account so I can be sure this is a scam.   Every week I get a different scam in my email, mainly a Gmail Geek Squad scam from various entity, and every time I see it, I delete it.   You hover over the sender's address, and it's clear this isn't a legitimate sender you know, and you see letters that don't make sense.   Occasionally I get an email from Microsoft telling me that someone in Russia has logged into my Microsoft account, which looks legitimate, but I'm not going to be fooled.
    • MP80
      Nearly half of Americans 'sacrificing recession preparedness' with monthly banking costs

      By MP80 · Posted

      I have Alliant Checking and Saving with no maintenance fees.   Chase has some requirements just like Bank of America have for free checking if you have direct deposit or maintain a certain average monthly balance on the account.
    • cashnocredit
      Paypal high quality "invoice" scam alert

      By cashnocredit · Posted

      Exactly so. I should have mentioned that. Seems there are two aspects to the scam. Somebusiness just pay invoives w/o much checking.   in my case it was clearthey were also fishing. Claiming my computer was hacked and offering to help. No doubt they would go on to ask for access and probably plant malware. Didn't bite and just hung up. The "Paypal" rep that answered the phone was not Paypal.  Be careful. Especially watch out for anyone trying to scare you into doing something quickly that involves you giving them any personal info, passwords, remote access, etc.  Big red flag it's a scam..
    • TheVig
      Capital One profits plunged in Q4 amid rise in credit card chargeoffs, delinquencies

      By TheVig · Posted

      It's not all doom and gloom yet. Major issuers are still handing out credit cards like drunken sailors. Still killing trees left and right, sending BT checks in the mail.   My random observations, tell me the business credit side is doing the same. Especially the fly by night fintech companies that cater towards businesses.    

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