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fixinmycrediks

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Everything posted by fixinmycrediks

  1. I just read that a few minutes ago that it could take up to 5 days for the payment to post for availability of your CL. I called customer service to get an idea of when payment will be due etc... The rep told me that the cycle date is 17th of the month, then I would know when my due date will be based on that information. So I am wondering since I have the $35 annual fee due right now that if I paid that now or before the 17th; wouldn't that payment show up this month and lower my utilization down to zero??? Want to make sure I understand the payment before the cycle to maximize cred
  2. Just wanted to update that I went 14/14 for deletions on TU. 13 were "too old" obsoletes that were scheduled to drop from 6/18-9/18 On Experian I have 1 update so far, and they only updated one that is supposed to drop 8/18 without deleting it. gregcjackson, Did you call in and they deleted them right then on the phone or did you file dispute online/via mail???
  3. I disputed my Santander account through TU as being too old. It came back verified with a date to be removed of 3/2020. The question is about the DOFD. I don't know if payment was reestablished with the 3 months of "OK" payments or does it go back to original late payments of 5/2012 as my DOFD? 4/2012---ok 5/2012---30 days 6/2012---30 days 7/2012---30 days 8/2012---60 days 9/2012---60 days 10/2012---60 days 11/2012---90 days 12/2012---30 days 01/2013---OK 02/2013---OK 03/2013---OK 04/2013---30 days 05/2013---60 days 05/2013---90 days 06/2013---90 days Since the acc
  4. Update in case anyone goes through this issue-- Open Sky did accept my mailbox address!!! After I sent in the copy of the utility bill, they used the mailbox. This took me longer than the 2 weeks most have indicated getting approved and signed up as it took me 3x (they normally indicate 7-10 days for a response once you send in your documents) sending in documents to verify and about a 5 weeks to get it all done.
  5. Any other suggestions out there on how to handle these two CA's???
  6. Guess what showed up in the mail????? You guessed it; Collection letter National Recovery Agency. Definitely contacting lawyer this week.
  7. Hello, I applied for Open Sky secured CC knowing from a thread in here that some places accept the mailbox places as an address and some do not. I tried it as 99% of my current stuff has my mailbox place as my address (my bank statements etc...). I explained to the rep that I have all my items going to this address as I thought I had no documentation of physical address (except apartment lease). I received an email the second time requesting documents verifying my information and I sent in driver license and bank statement and letter from VA(disability benefits). I called yesterday
  8. I read a thread on here somewhere that listed cards that offer AU and those that don't; could this be one of the card(s) that don't report to the CRA's? El Gato, list, the name of the cards and the wise ones probably can confirm if they do in fact report to the CRA's.
  9. Checking to see if any other route to go on these 2 baddies. PP&L/electric utility---1. try forgiveness letter, if they don't forgive, see if they will reduce amount owed, then 2. make payments on it directly to the OC, not CA??? Apartment complex---????? Thanks.
  10. I don't know if they sent collection letters as I have had several addresses since. Darker period of my life I am not proud of, should I work out payment arrangements with apt? I have not received anything in regards to lawsuit(again, go to first sentence about mail). The only legal document I received was the Order for Possession,Return and Notice back at that time. While I have no plans to move back to PA, these will be the last two items on my credit report after one year from now. Trying to develop an action plan on them.
  11. Hello, My two youngest CA items on my credit reports should have DOFD's of OCT2013. My credit reports have different dates of removal ranging from 2/2021, 12/2020. I am sure of the DOFD's as this was a bad time in life where I spiraled down due to my disabilities-back/leg problems. I lost everything basically except the car I slept in during that winter of 2013-14 in Pennsylvania. They got several inches of snow today in PA but that winter 2013-14 was a beast breaking all kinds of records that year!!! I was unable to work, served eviction notice etc.. As a veteran I later got
  12. Thanks Why Chat and CreditSucksNot, will definitely give lawyer a call. Breeze, I really did know that before hand but it didn't click until I read your message that it is one part of the company and its offspring!!! Thank you everyone!!!
  13. Thanks for response Why Chat. I have not contacted my insurance yet (Esurance), nor have I contacted the at fault party's insurance yet (Allstate) for my medical bills or anything else. Yes, I am suffering from medical problems from the car accident. No, I have not signed any settlement with any of the insurances. This was my girlfriend's car and her insurance (State Farm) paid for the damages while I was up in Pennsylvania to drive the car back and then State Farm paid for the rest of the repairs to the vehicle once I returned to home/Florida. At this point right now, my insura
  14. Hello, I was involved in car accident 1Jan2017 in Pennsylvania while visiting my Mother. I initially told them all my billing goes through VA as a 100% disabled veteran that is where I get all my healthcare services as VA has handled other ER visits. The Geisinger Holy Spirit Hospital in PA. ran this through the VA and months later near end of 2017 I find out from letter that the VA did not cover it that it should have went through car insurance. I was driving my GF's car at the time of the accident up in PA (we live in Florida). Well her insurance State Farm denied it as well. I
  15. I have tried several calls since post above to see if any of the other items have been deleted, no luck!!! They only say since it is in middle of investigation they are unable to provide me with any details until it is complete. The first person I guess I got lucky that told me 2 of the items were deleted. Currently when I pull up the dispute page and click on the blue arrow/circle it says 4 of 5 items complete. One of the items was to update my current address which they have done that as I use it now to verify/security questions they ask. I also tried once calling in to EX on 3 li
  16. HopefullyDebtFree, I did not get the same guy but this representative was even better!!! She pulled up my credit report and we discussed all the products thoroughly!!!
  17. Ok, PAL successful!!! So, here is the question, should I pay off the PAL using the 70/30% guideline. Pay the balance down immediately from $1000 to $700, then pay monthly $50 payment ? Numbers will be little different with the interest involved. Keeping this below the 30% utilization, would that same principle work on this PAL? OR Take the money and add it to the secured credit card I will be getting so that my CLI will be higher? For example use the $1000 I was going to use initially for secured CC and add the $1000 from the PAL to this secured CC($2000 CLI) to give me more r
  18. Update I called back and went through verifying the information about the different products with an extremely helpful rep on the phone. Few things I learned that hopefully will help others reading about Suncoast-- -They Hard Pull every product -The HP is good for 60 days -The secured credit card does require an additional HP if you want to add funds for higher CLI but if you do it within the 60 days no pull required -I did find out that Suncoast pulled EX version 2 -The Payday Alternative Line of Credit (PAL) APR 15% -You can pay off the initial PAL and apply again for an
  19. I had filed online with TU and disputed 3 items. I checked it the next day (logging in online using Transunion dispute log in page) and it showed in the Investigation line, the part that says "status" upon clicking on it that 2 of 3 items were complete. I thought that 2 of them went were deleted right away and was able to confirm this today with a telephone call to TU. I called today as it was about a week since I had filed the online dispute and wanted to see if I could add another to be deleted for being too old on report and I was able to add that to the current investigation/dispute re
  20. If you have employees, you could use portion of it for reward system, challenge/kind of incentive. To win 2 first class roundtrip tickets to XYZ. Motivating and rewarding/give back to them. You may already be a great boss, up your caliber another notch!!! Maybe do this challege/contest etc...quarterly. That way it keeps rebuilding as you use the card for the company and gets additional results at work. Maybe look into it with your accountant to see if said incentive can be written off...win/win. Otherwise, I wouldn't mind a first class round trip to Europe
  21. She has a JCPenney's card with $600 balance with $3700 CL that has been open for 6 years with no lates ever. Will the department store card info hold more weight than the Barclay?
  22. 10-4!!! I did ask Suncoast about only 1 hard pull for both and they said yes, that I did remember to ask. I may be calling it by the wrong name above but what I was calling a "secured personal loan" above is the "shared secured loan" as that is what I wrote down in my notes from the calls. What about a AU since I currently do not have ANY open/revolving accounts??? My girlfriend has a Barclay card with $10k limit but she has $8k balance along with her other credit cards. She has been on a mission this year getting her DTI ratio down/lowing the balances. I read in here that
  23. thesaintly, I will definitely add that information you just provided to my action plan!!! I will still try to work on either one of the 3 items with Suncoast- -secured credit card (with provisions you added as requirements or find another that does like the Discover and Cap1) -secured personal loan -the PAL payday alternative loan This way I can get in good with them for my car loan hopefully and mortgage 2-3 years from now. Thanks for the info!!! MarvBear, I am going to pick the guy's brain few more times to build relationship with him as I would like to use Sunco
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