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  1. Thank you so much! I will give it a go. Yes- no new charges- they don't exist to me
  2. Thanks for your response. Yes- I have tried a goodwill letter with Commenity, but I received a response stating they can't change the late. I also tried messaging on Facebook and received a response that they don't have access to change anything from that far back. I can't find the Commenity CEO email so if anyone has it please, please PM me. I ran a report and I see now that a lot less cards have reported than I originally thought based on the Myfico alerts. My Experian actually dropped 28 points today for some reason. Here are my balances. Card Balance Limit Util Contianer Store 0 4000 0 Travelocity 866 1000 86% This is now paid off but hasn't reported Fortiva 1416 2000 71% This is now paid off but hasn't reported Overstock 2592 5000 47% This is now paid off but hasn't reported Pottery Barn 2439 2500 98% Gap 210 1500 14% QVC 855 2500 34% Synchrony Home 4000 4000 100% This is now paid off but hasn't reported JC Penney 662 4000 17% Carecredit 3489 8000 44% This is now paid off but hasn't reported Walmart 500 500 0% Paypal 0 5000 0% Home Depot 387 500 77% Lowes 1571 5000 31% Crate and Barrel 1661 4000 42% This is now paid off but hasn't reported Amex 421 1000 42% Barclays 0 800 0% Bluenile 0 8500 0% TJMaxx 2453 2500 96% This is now paid off but hasn't reported Victorias secret 161 730 22% Express 27 750 4% NY and Co 0 1900 0% NFCU LOC 15000 15000 100% USAA 24,506 25000 98% NFCU USAA $32,602 33000 99%
  3. My husband and I are under contract for a new construction home and need to raise my credit score to 650 by October/November (I am at 628 mid score now). I have 100k in credit card debt and 65k from our home sale to pay it off. My husband set up a plan to pay off the cards that would give us the most money back each month to go towards other bills. So far we have paid off $25k and it has not made an impact to my score at all even after everything reported. Based on this information I'm not sure this is the best plan to raise my score. Most of the bills we paid off were small and I have large accounts with $20-$25k on each card that are maxed out. Should we switch to a strategy to make sure the cards are under 30% instead of paying off the cards completely? BTW- I have one 30 day late payment on EQ and EX from 2014 that seems to be dragging down both of those scores. My TU mortgage FICO is 667. Any advice is appreciated!
  4. It was probably a personal Amex that the owner used for business. It wasn't. It was definitely a corporate card. worked for a fortune 500 at the time. I ended up filing Chpt 7 in 2009 and when I did it disappeared from my credit report. It was a mistake then because Amex does not report business accounts on personal reports. Yes. Possibly.
  5. It was probably a personal Amex that the owner used for business. It wasn't. It was definitely a corporate card. worked for a fortune 500 at the time. I ended up filing Chpt 7 in 2009 and when I did it disappeared from my credit report.
  6. My corporate AMEX was reported monthly on my credit report.
  7. Make sure you mention this - Husband and kids , Time the charges were made, types of charges made, and the fact that they called you. Thank you. I will be sure to mention this. We had our 2 year old and 8 year old with us so we definitely weren't bar hopping and eating at IHOP at 4 am.
  8. No. I had never been to or purchased at any of those places before.
  9. Yes. I'm sure there are plenty of videos within the casino/hotel so I will ask for receipts and videos. I found the letter that they sent me with the charges and the first place is across from the food court on the main walkway so I'm sure there are cameras there. Not that the MGM will willingly give them up, but I will take this as far as I need to so that I don't have to pay the charges.
  10. I did have a hotel room card, but I was staying there with my husband and kids so I don't have a way to prove that it was actually me in the room. The purchases were large- they were probably drink purchases, but I guess you could easily pay for drinks and walk away without signing. One of the places they used to card was at our hotel- the MGM Grand, but it's really large and there are several bars etc within the facility. I used my check card there throughout the trip. I am assuming a lost or my card was stolen within the hotel so it makes sense that the charges would start there. I'm not sure where the IHOP was- I'm assuming off strip somewhere.
  11. Thanks everyone. I didn't file a police report, but I will do it today. They are posting the charges on the 18th so I will submit them in writing as soon as they do. I don't wear a Fitbit. I was trying to think of ways to prove that I was in the hotel sleep, but I can't. Hopefully, we won't have to take this too far and the receipts will prove that I didn't sign for any of that stuff. I'm just so very disappointed and have lost confidence in NavyFed. They don't seem to protect their customers.
  12. Last month while on vacation I woke up to text messages from NavyFed asking if I had made a few charges on my visa sig credit card. The last charge was IHOP at 4:00 am. I had been at the hotel since around 10 pm that night so I went straight to my person and realized that I had either lost my card or it was stollen. I called and spoke to the fraud department and the rep went over the various charges to bars and then to IHOP. I informed her that I didn't make any of the charges and she told me they would be credited to my account when they posted. Today I received a letter in the mail saying that they are reversing the temporary credit to my account based on the following: The transactions in question occurred in a geographical area where you were present at the time of the posting dates of those transactions. Additional transactions that have posted to your checking account at the time prove you were present. I called the fraud department and was on hold for 2 hours before hanging up and sent a message through the online system. Does anyone have any advice as to what I should do next? It seems like they are saying there is no protection unless the charges are in some other part of the country. Thanks in advance.
  13. Thanks. I don't believe them either. I will DV them. The account is 2 years old. It won't be out of SOL until June.

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