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inthematrix

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About inthematrix

  • Birthday March 4

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  • Interests
    Music, reading, cooking, gardening (well, I try but the tomatoes aren't cooperating), travel & credit repair!
  1. Thanks. I’m not sure what the calendar is supposed to tell me about me question, however.
  2. Hi guys, I haven't been to the forums in a really long time but I was a fixture here a few years ago when my credit was in the toilet, and you guys helped me get my credit back on track. I'm now a proud homeowner! I messed up last month, however, and I'm really hoping the brain trust here will have some good advice for me. Last year when I was caring for my ill brother I let my mortgage hit 30 days late a couple of times and it ended up on my credit report (no excuses, just context) and after he died I was vigilant to make sure I didn't pay my mortgage that late again. I've been paying near the end of month because that's when most of my clients pay me (for the record I almost always add $200 to my payments towards the principle). I know paying near the end of the month is a disaster waiting to happen, and a couple of weeks ago it struck. I was traveling and after midnight on 2/28 I woke up in a panic. I hadn't paid my mortgage. And now it was the 1st (because February). I jumped up, went online and paid it (another for the record, I went ahead and paid for March too so THIS month when I pay near the end of the month I'll be paying ahead and not almost late. I thought I'd caught a lucky break to screw up on the Feb payment because it WASN'T 30 days late. I paid on day 29. It just happened to be on March 1st (barely). Of course, today I get a credit alert and I see "Freedom Mortgage 30 days late." I thought maybe the payment didn't get credited for a few days, but I looked it up and they show both payments made 3/1. So I called them, explained my thinking - the credit report is not accurate. It says 30 days late. I was not 30 days late. They say (in essence) you can send an email to customer support and/or dispute it with the credit bureau but once it reaches the 1st we call it 30 days late even if It's after February. Are they right and am I out of luck? Does anyone have any advice for me on how to rectify this?
  3. You don't have to pay a fee to order your credit report by mail if you haven't already gotten them in the last 12 months. Just fill out the form here: http://www.ftc.gov/bcp/edu/resources/forms/requestformfinal.pdf and mail itin to get free paper copies of all 3 reports.
  4. You can make your husband and your son AUs (authorized users) on one of your credit cards to help them get a credit score, but it would take some time to report, so I'm not sure it will help for this apartments.
  5. -7 to 705 Congrats to chugs and javameister! You guys did great!!
  6. What was the nature of your dispute? If you dispute a tradeline as "not mine" the CRA will often add a fraud alert to your report.
  7. Why sigh you, Bob? Never mind. I see the spreadsheet list you bumped. Sorry
  8. Good luck! I still say you need to be complaining publically on their Facebook page and Twitter feeds. Public embarrassment usually gets the action going.
  9. Someone will correct me if I'm wrong, but reporting an unpaid debt on someone's credit report is, in itself, an act of collection. It's against the FDCPA to try to collect a debt that's already paid, if you pay this before its listed, they shouldn't be able to list it later.
  10. Is it possible for you to get a job in public service, perhaps teaching? If you can do so, there are programs through which you can get your student LAN debt forgiven after 10 years. You can read about the program here: http://studentaid.ed.gov/repay-loans/forgiveness-cancellation/charts/public-service
  11. She never said her income was $0.00. She said it was less than $10k and zero taxable income as it was foreign. She's teaching in a developing country, not a "homeless" "drain" on the country. I don't understand why the forum leaders are so hostile to posters on the student loan forum. It would be wonderful if the responses on this board focused on helping the poster and not moralizing over their supposed failures.
  12. If you don't have any installment loans on your report, it will probably help you long term. I'd expect a drop for a few months after it first reports, though.
  13. What's your AAOA and your utilization? DTI ratio? How many new accounts in the last 6 months? Last year?
  14. Credit Sesame: 689 on 10/15 MyFICO EX: 699 on 9/11 (closest dates I had)

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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