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I was wondering if I can remove my report from chex, since I need to wait 5 years for it to be removed....
just to be clear, nothing has been made by error here, I had a negative checking balance, I didn't pay it and the bank closed my checking account, but I paid the amount 4 month ago, and chex said it will take 5 years to be removed..., obviously right now I am facing some/almost huge limitations with all type of creditors even with a credit score of 795+
is this a Fair Credit Reporting Act?
What's the fastest way to remove them?!
 
Thanks a lot

We were foreclosed upon in September of 2018, and when combing over the documents I noticed the foreclosure attorney signed off stating I had been served in person by the sheriff. I was not even in town on the day of service, and the Sheriff's Foreclosure Notice Return document clearly states copies were left my husband. I am going to look for an attorney to file a Motion To Quash the foreclosure judgement as it is my understanding that a notarized Affidavit of Service means the attorney verifies all the documents are correct and in order - which they were not.
 
I know it is a long shot, but if there is an attorney from NC on the boards, I'd love to know how long the MTQ takes from filing the paperwork to the mark vanishing from our public record. We are hoping to apply for a mortgage in March and would love to know if this is a realistic timeline.
 
 
 
 
 
 

My TU score just took a 50pt dive
 
My original mortgage was in forbearance (was furloughed for several months due to Covid-19) and I had setup a repayment plan. I had made the "downpayment" they wanted to start the repayment plan and then I'd paid the first modified payment (5 more were left)
 
They then transferred the servicing of the loan to a new servicer and closed the original count and it's showing as Closed 30+ days late (at least....not sure the details but that's what the MyFico alert reads)
 
Is there any chance of submitting something to them to request goodwill?  My payment history is absolutely perfect except for this new one and it dinged pretty hard.  What would I even send to them?

Hi All,
 
After alerting them NUMEROUS times of my change of address, the absent minded, neglectful billing person  did not send my small medical bill to my new home and my account went to a collection agency on 12/31/20.
 
I always pay my bills on time, so I am worried about the impact this will have on my credit.  
 
If I pay my bill today 1/8/21 or or Monday, 1/11/21, will this impact my credit negatively? 
 
 

We have a medical collection that was posted August 2019.  What is the best way to go about this since it is a more recent collection. Do I still do the HIPAA dispute before the HiPAA letter process? I read the guide and this is what I understood from there and searching but just wanted to confirm.
 
Thank you so much for your help!

Hi,
 
I had a medical debt that I sent the HIPAA letter and western union  money order with payment  in full  to the OC. Debt is less than two years old, is still with a DC. I never received a response from the OC, forgot to detach the money order receipt and now an I’m the process of trying to track it through western Union. I do have the receipt from sending it certified mail with return reciept.  
 
Would  it be better if I just went up to the OC and just ASK if they cashed it? Or is it best to avoid contact with them and go through the research process with western Union. I am trying figure out if I can send the letter the DC that the amount is no longer due. So that I can get it off my credit report.  I sent the MO about 2 months ago.

I'm in charge of paying my mother's bills, as she now has dementia. I got lazy and ignored the first three bills they sent me. I got another dated 12/29/2020, with a due date by 1/13/2021. 
 
I then received a collection notice dated 1/4/21 from a local collection agency for the same total plus some interest. Weird that this arrived before even the due date on the most recent invoice from the provider.
 
I have always intended to pay this bill, and want to send a check for the full amount. I recall from reading this forum in the past that there's a letter I can send to the provider to tell them that they must accept my payment and that they may have violated HIPAA laws by sending to a collection agency. Can someone confirm that this is correct and direct me to a sample letter that I can send? 
 
I appreciate any assistance or feedback. Thank you. 

On 10/24 I initiated a tiny bill payment from Enneffseeyou to my US Bank FlexPerks card. Enneffseeyou mailed a check. Seven days later the payment still hasn't posted to my US Bank account.
 
On 10/24 I initiated a tiny bill payment from Huntington Bank to my Citi Hilton card. Huntington mailed a check. Seven days later the payment still hasn't posted to my Citi account.
 
On 10/7 I initiated a bill pay from Bank of America to one of our mortgage servicers, with an extra $XY,000 principal payment. The "deliver by" date prior to scheduling the payment showed 10/11 (two business days), but when the payment got saved the date changed to 10/13.
 
B of A mailed a check, even though my previous payment to the same company for a lower amount was sent electronically. The check didn't actually arrive until 10/15 (confirmed with the servicer), one day before a late payment would have been incurred.
 
I called Bank of America today, and was told that the payee determines how they will accept payments, and sometimes this varies by the amount of the payment.
 
The B of A rep, however, could not see if there were such thresholds, or even if this was actually the reason that they mailed a check for the larger amount. She suggested that if I call the servicer and inquire about how they accept payments from bill pay services, but she also mentioned that the servicer's CSRs probably won't know what I'm talking about.
 
This is just a rant, but the whole world has gone mad.
 
 
 

Hi everyone, 
 
We are looking to refinance and my wife's scores are mid 700's and mine are 640'ish.  We both have perfect payment history for 14+ years...no late payments ever on mtg, cars, credit cards etc.  She has her own cards and I have mine and we have a couple that are joint cards. She has lower utilization with her cards.  Not a lot lower but a little.
 
My total utilization I believe is around 63%.
 
  Balance Limit Util % CC1 377  $        750.00 50.27% CC2 0  $        500.00 0.00% CC3 1150  $     1,500.00 76.67% CC4 183  $        500.00 36.60% CC5 635  $        800.00 79.38% CC6 670  $        800.00 83.75% CC7 0  $        300.00 0.00% CC8 2400  $     3,000.00 80.00% CC9 1950  $     2,000.00 97.50% SC1 0  $     1,500.00 0.00% Total  $    7,365.00  $  11,650.00 63.22%  
 
I know getting under 49% is a good initial threshold to target.  We are actually going to do a HELOC to pay off all CC debit and a few other debts but we need my score to be at 680 at a minimum.  We can swing 1500-2000 to pay down some of my balances but I was wondering which specifically should I target?  I assume the highest balances should be targeted? Maybe spread out between CC8 & CC9?
 
If paid 1000 towards CC8 it would change that Util % to 47% and paying 1000 towards CC9 would then be 47.50% bringing overall utilization down to 46.05%.
 
My credit also has a car loan that had a $315 payment that we recently traded in on a lease but did the lease in my wife's name since her score was higher and we got a better money factor with her.  So my report is still showing the old car - we just traded last weekend so the CR has not updated. Is this likely to affect my score up or down?
 
Would this probably give me a 40pt bump?  I have tried for CLI but no go with those.
 
Thanks in advance
 
ZP

Anyone else have this happen? Haven't used in about a year they CLD'd me from 2000 to 1000 4 months ago, tried calling to restore CL they said no.  Macys.com shows my 1000 CL ... weird
 
Not worried just thought was odd. 

With ATM fee rebates?
 
Thank you!

Currently 
Live in South Carolina,  fico 8's 708,714,717. Credit card utilization 35%, late pays 6.5 yrs ago only thing holding score back.  Salary 114,300.
 
I'm not in a rush but when the time is right maybe 1 year or so would like to know best first actions, e.g. talk to mortgage broker for pre approval etc?
 
Im currently 61, Due to alot of bad decisions i didn't buy first home till 6 years ago, no mortgage,  promissory note with relative. Now life is heading in a good direction. Have know idea if it's a good idea to entertain moving to a nicer place. Or what things to consider.  I'll probably be working for a good 8 years if all is right with the world lol.  
 
I have 1.25 acres the double wide is 20 years old in decent condition.  One question is move to nicer area, or  maybe buy new modular /double wide on the existing property ? My ego wants me to buy new place would like 5 acres and a dwelling.  
 
I appreciate being able to post this y'all have been very helpful and it helps to get this in print instead of my brain.
 
Note the zesimate for my place and surrounding area has gone up quite a bit. 
 
Oh shoot one more thing I have a va loan benefit I've never used.

Hi guys,
 
I hope this is not going to affect me to much doing my refninancing, I was checking my fico.com account and I have a new collection! It turns out that it was a medical bill that I thought I had paid but there was a balance of $71, the collection agency is FIRST FEDERAL CREDIT CONTROL, I talked to someone in there and she said if I make payment they will request to delete it from the bureaus (which will take about 3 months). I asked her to put it in writing and she said the best they could do it put a line on the email
 
So basically she sent me an email with an attachment (the contents below), and a little note below the attachment that said "will be removed from credit once paid in full", will this be enforceable to have them delete if they don't follow thru with their promise to delete? I guess if they actually delete I can show a letter from the collection agency to the bank that the mark has been requested to be deleted? the email is from ann@ffcc.com at least it's a company email.
 
A DEBT COLLECTION COMPANY - NOT A CREDIT BUREAU - NOT AFFILIATED WITH THE U.S. GOVERNMENT Jan 14, 2021 #XXXYYYZZZ #XXXYYYZZZ/1# "My name", "My Address"  XXXYYYZZZ Creditor Regarding               Amt Owed Dr. WHO MD PC        71.72   THE ABOVE LISTED ACCOUNTS HAVE BEEN PLACED WITH OUR OFFICE FOR COLLECTION PLEASE CONTACT: ANN OWENS THIS IS A COMMUNICATION FROM A DEBT COLLECTOR. UNLESS YOU NOTIFY THIS OFFICE WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THIS DEBT OR ANY PORTION THEREOF, THIS OFFICE WILL ASSUME THIS DEBT IS VALID. IF YOU NOTIFY THIS OFFICE IN WRITING WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THIS DEBT, OR ANY PORTION THEREOF, THIS OFFICE WILL OBTAIN VERIFICATION OF THE DEBT OR OBTAIN A COPY OF A JUDGEMENT AND MAIL YOU A COPY OF SUCH JUDGEMENT OR VERIFICATION. IF YOU REQUEST THIS OFFICE IN WRITING WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE, THIS OFFICE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT THAN THE CURRENT CREDITOR.THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. TO AVOID ERRORS, PLEASE MAKE ALL PAYMENTS PAYABLE TO FFCC OR TO THE CREDITOR LISTED ABOVE AND MAIL TO THIS OFFICE. INCLUDE YOUR ACCOUNT NUMBER LISTED ABOVE ON YOUR CHECK OR MONEY ORDER. YOU MAY ALSO PAY ONLINE AT WWW.FFCC.COM.

Questions that make no sense...

http://mortgagesarememberlicious.com
 
Discuss.
 

Hi all!  Not sure which board to put this is, Admins & Mods please feel free to move where you deem appropriate. 🙂
 
I am thinking (vacillating lol) about making NFCU my checking account for my wife and I.  I know they are *excellent* for credit, but how about for checking?
 
I like them because they seem to have a reasonably large enough free ATM footprint, and I read somewhere that they can ATM Fee Rebate up to $10 for ATMs outside of their network. (I have to find out how to sign up for this.)
 
How is their customer service?  How is their security against hacks?  How is their willingness to solve problems?  What about their website uptime? (I have never noticed a downtime issue with their website, but maybe you have?)
 
Thank you for your insights!

This is YOUR year.  Pursue quality and do not settle!
 
No useless store cards, no fee sucker/subprime credit report stains (Credit One, First PREMIER, etc.), no 99% LTV mortgages with nothing in savings, no 72+ month auto loans.  
 
When it comes to credit and finances, planning and impulse control will serve you well over the long term.  As you evaluate your credit options for 2021, please look several steps ahead and decide if you'll be happy with this year's decisions 2-5 years (or longer) from now.
 
Happy New Year, everyone!

Crapital One stops 'risky' buy-now-pay-later credit card transactions
 
 
 

From time to time you should take an honest look at your relationships and accounts and decide which are worth keeping.
 
From my early days on CB I have some credit union memberships that need to be dissolved, since they really aren't doing anything for me (nor is there promise on the horizon).
 
At this point in my credit evolution, I've also grown tired of ensuring that some of my older (and now essentially useless) cards get occasional use to prevent closure.  The list of candidates is TBD, and I may just let certain cards die a natural death when the issuer gives up on me ever using the card again (vs. proactively closing them).
 
I don't have dozens of accounts that need to go, but I do have several candidates, and I'll post which ones actually get the axe as they are terminated (along with some commentary).
 
Please, especially if you still have fee-sucking subprime garbage in your portfolio, take a look at what you have.  You probably have something in the sock drawer that deserves to be blown up. 
 
Post your decisions as you make them, or if you're having trouble deciding, post your questions for some honest feedback.

I want to stop and say thanks. Thanks to each and everyone of you who helped me, I thank you. 
 
So TU just deleted my last chapter 13 (filed in 2013, 2014 due to errors.).
 
Equifax, I’m have to call them to delete address tied to it. 
 
Experian is in the process disputing it as well.
 
My Lexis Nexis frozen.
 
Again thanks creditboards, you all do make a difference with your knowledge.
 
I am really humbled and learn my lesson about credit in general. Before I mess up I’ll be sure to ask here.  I hope everyone stays safe and I can’t thank you enough. You all the best people. 

I received a collection letter from a law firm called "Linebarger Goggan Blair & Sampson LLC". It says they are attempting to collect a debt for the PA Office of Inspector General, and it says "Welfare Overpayment". I'm unsure of what this is about, nor do I know any details other than the amount due which is over $2k. 
 
The letter also mentions "this is not a threat to file a lawsuit. At this time, no attorney has personally reviewed the particular circumstances of your account," and it asks for me to call a certain person at the company and gives a phone number.
 
1. Since this doesn't mention a 30 day notice, should I still send a DV letter? If not, what is my next step?
2. Does anyone know what the SOL (if any) would be in PA for a collections concerning "welfare overpayments"? 
 
Thank you much!
 

I called Amex today to cancel my platinum card.
 
I've decided to keep it for one more year. Retentions department gave me this offer. AF credit of $300 and 50,000 MR points. No spend threshold required. So my AF this year is $250.

I opened a Wayfair credit card through Comenity Bank back in July to add in a retail card to my mix of credit.  Of course, they closed their credit card program in September.
Prior to closing, I made a purchase in an effort to keep my tradeline open and reporting on-time payments until it was paid off. However, the last payment reported was in August. For October's and November's payments it states No Applicable Payment History. 
 
Will they no longer report my monthly payments?
 
 

I sent Experian and Equifax the same exact letter.
 
The letter provided here about deleting old address.
 
Experian obeyed and deleted address tied to BK.
 
Equifax sent me a letter saying they can’t locate me a file and they want 2 copies of ID to help find my file.
 
What should I do, send them a copy of SS, and utilities bill.
 

I am new to this forum and excited to learn more as I go. I have used the search function but I don't seem to be hitting what I am looking for in particular and would love some advice. I am in the process of raising my scores from 760s-780s in FICO 8 scoring, to 800s+ and it appears my current limitation is my current credit to debt ratio, I have all the other boxes checked off including a credit history of 24 years and watch things closely with myfico.com account. Although my debts are very low, my CCs I have are:

Capital One (5 years) - $9,544 limit
Citibank Rewards (17 years) - $15,269 limit
Bank of America (5 years) - $1,800 limit

I have no other credit cards or retail cards. Possibly applying for an Amex is a good idea as well?
 
So the main crux, I have applied for CLIs but because I have not used the cards near their maxes a CLI will not be approved. I have considered making purchases with my business merchant provider account with the cards so the money goes back to me and I can immediately pay it back off.  What methods of "moving" funds around to increase credit usage have you found to be successful or are recommended?

Thank you for your knowledge on the matter.