jonson

@theGman That makes sense. Generally credit card companies aren't going to provide a good rate unless you are delinquent. I'm glad the other banks worked with you. Just try to get the chase card paid off as quickly as possible. Also good to see you were able to avoid the late reporting.

Hi I've been laying low, but I had to comment on this topic. I see so many people on Reddit who use these services as a bank replacement, and then lose everything from scams or have other issues.

I really wish people would stop using these accounts as replacements for real bank accounts.

How late were you on the Chase credit card? I did the BLP in 2009, and they gave me 0%. I was probably at 90 days late when we made that arrangement.

Is this an important step? I thought we were trying to freeze NL and dispute it off EQ/EX/TU.

How do you freeze by mail? Do you have to provide ID?

I don't know if this helps, but I settled a $12,000 debt with Chase in 2011. They were only offering about a 70% settlement on the debt until 180 days past-due (the day before charge-off), I was finally able to get them to agree to a 30% settlement, made in 3 monthly payments. I don't know if they would still do that 9 years later, but perhaps coronavirus will give you a leg-up in negotiation.

I never said I wasan't going to take care of things, but I do not appreciate them sharing my business with other people. I'm sure anyone here could agree they wouldn't want that, either. I really don't understand why there is so much judgement here. I just asked a simple question on whether this was legal.

I don't think Navy Federal would fall under the definition of "debt collector"..... right?

Thank you. I Didn't see anything that relates to this, though.

I'm in Texas, btw.

I was just trying to say that my credit is currently spiraling downhill, opposite to how it was the last time I logged in to Credit Boards.

Thanks for your help, Nyquil. I'm just ignoring spacemule's remarks on my writing abilities.

Hi everyone! I've been off the board for a few years. I had successfully rebuilt my credit from crap, and then life just got too busy for me to keep up with Credit Boards. Unfortunately, since that time, my credit has taken a hit, and things are currently in a downhill spiral. So here's a scenario I just encountered yesterday. I am behind on my Navy Federal accounts by about 70 days. I haven't answered their call yet, as I'm still coming up with a game plan. My mother mentioned to me last week that they called asking for me. I assume they got the number from my credit report or another public source, and I didn't think too much of it. My parent's landline has been around for decades, and it's always the first number called when a creditor is looking for a family member. Since most companies have a privacy policy that prevents them from discussing account details, I was not worried about her finding out too much information. Well, I got a text message yesterday from my mother asking me why I was 70 days behind on my accounts! Apparently, Navy Federal called again and divulged all of my information, even though she is not on the account, and is not a co-signer. (I was, however, the sponsor for her navy Federal account. That's the only connection she would have). I am downright furious at Navy Federal for calling my parent's house and providing that information, which frankly, is not her business or concern. Now she is worried, and taking it out on me. It seems there would be some law or policy that would protect me in this instance. Navy Federal called a phone number that is not mine, and discussed account details with the person who answered the phone. I searched for about an hour last night about this, and I'm only coming up with laws against debt collectors, but not the original creditor. Any help would be apprecaited!

That is awesome... I don't think auto cli from Navy is so common. Congrats! I had 2 last year.