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  1. Earning money isn't what sets you up for a long approval process or outright denial. The problem is that you're demonstrating skills that will lead to some extrapolation on their part. All they need to see is that you can answer a phone, work a cash register, push a cart, or even greet people at a store entrance. You'll have to jump through extra hoops to show that in your case it isn't about having some base-level skills for getting a job, it's about holding the job long term. And that takes a lot longer to prove. By getting a job (and I DO understand the need for income) and earning money in the short term, you may actually be shooting yourself in the foot long term. No one gets rich on SSDI or SSI but sometimes its the access to other programs that can really hurt to lose. Medical insurance, housing programs, food programs etc. Joseph, I've seen your posts long enough to know you go through some rough cycles and holding a job becomes very challenging as a result. I hope you've seen my posts long enough to know that my responses to you have always been neutral and non-judgmental (it's intentional because I'm personally familiar with the hurtfulness of quick judgments and the stigma that goes along with mental health issues). Whatever you choose to do, I hope the best for you.
  2. Having been through the process myself, I suggest: 1. Stick with the lawyer. They take a chunk of money but they also have experience in filling out the paperwork effectively 2. Don't work. It shows you have capacity to perform some functions and that will absolutely clutter up your review. 3. Don't work under the table. If you do, don't talk about it to anyone. Period. 4. If you don't have approval within 5 months of applying, ask your senator to do an inquiry with SSA. They do it all the time. It fast-tracks your file. 5. Don't do anything rash, like a BK, until you square away your benefits. Plenty of people rack up delinquencies while waiting for approval. Wait until you have more information and can make better choices. I applied without using a lawyer and had approval in 6 months. While you're bracing for the worst, don't assume that has to be the case. Submit flawless paperwork, show you can't work by NOT working, and pull out the big guns if things start to drag out.
  3. Hi All, I disputed some inaccurate info with Experian a few months back and they didn't respond within the required 30 day timeframe (report was pulled after being denied credit). I escalated the issue to the CFPB, hoping to shed some light on their inept service. Experian then responded to the original disputes but didn't acknowledge the fact that they didn't act within the required timeframe. After the CFPB dispute was closed without any action on Experian's part, I wrote a letter to Experian that very clearly pointed out the failure to investigate within the required timeframe and asked them to delete the items that were originally disputed. I just received their response: they've investigated and will not reinvestigate it until I send them further documentation. I included the certified mail information in the letter. I'm not sure what else I should have to provide them. Any thoughts on next steps? I'm really frustrated and can't believe Experian gets to screw up peoples' credit reports SOOOO badly without any repercussions. Thanks in advance.
  4. I experienced this recently, too. Sent a certified letter to the TX address on 5/30. It was hung up in Coppell for 2 weeks and wasn't actually received at EX until 6/17. I've also noticed the 2wk lag in the date on the return correspondence and the day it actually graces my mailbox. I'm sure they're using a presort mailing house to send out their mail and that usually does add delays. Still... it really does drag the whole process out. Experian has the ability to correct this with its vendors but they don't seem to consider it a priority. Sometimes I wonder if a consumer backlash aimed at credit card companies and banks that use EX might be the way to get EX to behave better. Clearly EX doesn't consider us their customers and couldn't care less if we're spinning around in circles with their horrible practices. But if their big paying customers like Amex, BOA, and others were to say "hey, we've had thousands of complaints from our card members and we're going to use TU or EQ until you get your isht straight," maybe that would inspire EX to behave better. Maybe we could use the CB effect to push for some change? CB Admins/Mods/Pods, would it be ok to put up a couple of links to customer service email addys for some of the big banks that use EX? And maybe a quick blurb template for people to use? I don't mind working to pull something like this together but I want to check first to make sure it is ok.
  5. So just an update to add to the "Oh how I looooooove NFCU" pile Waited until January to apply for a cash rewards and was instantly approved for $3k. Went a little nuts and applied for the nRewards card the next day. Instant approval for $1k. Not earth-shattering, but not bad for having a BK7 on record less than 2 yrs old. Requested CLIs on both in May when BK discharge hit 2 yrs. Each card was increased to $17.5k. And today I received a letter saying the CashRewards is being upgraded to a siggy. Surprise! LoveLoveLove NFCU!! Wall flower... gone.
  6. Rumor has it that UMB does not report to the big 3 CRAs. I really don't know if that's true or not but I would strongly urge anyone with an interest in this card to do some research before jumping into the flashy boat. I only posted it because it made me laugh, not because I think it is a great reward card.
  7. Saw this today and couldn't stop laughing. It may not offer much but it DOES have flashy little lights on it!!! And if the lights fail to impress, then for $99 a year you can have acess to "dozens of rewards." Yep, dozens. https://www.dynamicsinc.com/ But best of all, you can store your new card in a glass of water. Now that's important stuff, right there. Nothing says "We're a serious financial institution" like a card that blinks under water.
  8. Except that when the banks change the rules, they change them in a way that effects everyone, not just the churners. Someone just posted in another thread that Citi is now reducing their rewards for everyone using their Thank You card and is broadcasting the fact that they'll cancel accounts for fraud or abuse of rewards (including blacklisting people). I have no problem with people using rewards for their personal benefit... that's what they're there for. But I have a hard time feeling sorry for the person who bought $160k in vanilla reload cards and ended up with a closed account because that's exactly the kind of stuff that causes banks to scale back their best reward programs.
  9. The $118k came from this: Hubby has about $43,000 in debt, $11,000 is student loans and $19,000 is what is left on our car (both couldn't/wouldn't be discharged in the bankruptcy). This amount doesn't reflect the $7,000 that was garnished from our refund. My debt is at about $25,000 and about $20,000 of that is student loans Sorry, I misread the student loans as being separate amounts, not included in the $43k and $25k. Apologies.
  10. Oh, that CFPB/FTC report gives me warm fuzzies. Love it! Nice job, Clumsycajun.
  11. Running the Ch. 7 BK scenario (and I'm not saying you should do it, I'm just looking at the key points) you would have these options: Lease a new vehicle prior to filing - adds a positive tradeline to your reports, favorably impacts your BK expense schedule, and lets you surrender the existing car in exchange for a discharge from the remaining $19k debt. Probably reduces your auto maintenance costs for the next few years. I know you say you couldn't/wouldn't give up your current vehicle but it is probably worth taking a second look at this issue from a purely financial standpoint. Discharge the $68k in the debt you've stated. Retain the $31k in student loan debt. Total debt is $118k, $87k (74%) discharged if car is not reaffirmed, $31k (26%) retained. $unknown cost for new lease if existing vehicle isn't reaffirmed. With pre-filing black marks on reports, FICO often doesn't drop significantly with a BK filing. It may not hurt as much as anticipated. And it steadily goes back up with no risk that old debts will resurface and hurt your score when you start poking around for a home loan. Fresh start. Immediately releases you from $87k in financial commitments and allows you to save money for a down payment on a home. Again, I'm not here to push the BK scenario... but it doesn't seem to be a horribly bad option compared to the fresh start you gain. Best of luck in whatever you choose to do.
  12. Yep, I was talking about payment information being reported after filing BK, not the payment info reported prior to filing. Sorry if I muddied that up. I'm definitely going to keep the possibility of using BK laws with the individual creditors in my back pocket. First I'm going to try a different strategy: the dispute was initiated from a report that I pulled after being denied credit and Experian took longer than 30 days to investigate before I escalated it to the CFPB. I'm hoping I can use that to get some info deleted. I normally don't mind negative info reporting (as long as it is accurate) but this one just rubs me the wrong way so I'm going to keep working on it. The CFPB complaint was not really about the lates being reported. It was about the fact that EX had been dinking around with this and making the info more incorrect with each dispute for many months, plus did not respond within an appropriate timeframe. I just wanted EX to get a little slap on the wrist for their sloppiness. And yes, I did my research witih BK forum. Lots of it, actually, 2-3 years ago. That's where I came away with the firm understanding that late payments could not be reported after filing. Now I know better. After looking at recent cases, I just wanted to post the above-linked article for anyone who might be confused about what to expect, just like I was. Thanks for all of the input and ideas... it is very much appreciated.
  13. I'm really surprised by this... I've done plenty of research and still managed to "miss" this issue. Wow. How disappointing. I don't know why I was so entrenched in the idea that they couldn't report the lates after filing. For anyone looking for more info, here is a good article that puts the issue in layman's terms. It is dated 5/3/2013 and recaps a recent court challenge (and failure). EX was specifically noted but was not part of the lawsuit. I'm guessing the ruling will strengthen EX's stance and may even inspire EQ and TU to toughen up a bit. http://www.jdsupra.com/legalnews/reports-of-late-payments-to-credit-repor-69240/ Hope it is ok to post the link.
  14. You list about $3000 worth of expenses against a monthly take-home income of $4000... what's happening with that $1000 in between? There might be some room there for squeaking out some savings.
  15. Hi All, I know this is kinda BK related but I'm going to post it in the credit forum because it involves a reporting question. I filed a complaint with the CFPB after trying to get Experian to clean up some late payments that were reported by credit cards after I filed BK. Experian actually made the problem worse by adding inaccurate information every time I disputed the lates, which is why I finally pulled the CFPB into the picture. The response from Experian/NCAC says: "Although an account is included in bankruptcy, the creditor may also show the payment history of the account until the bankruptcy is discharged." I have always heard that things like late payments cannot be reported after the BK is filed, as that is when the protective injunction starts. Admittedly, I have not tracked down the specific statutes myself (but plan to). Have I been off base all this time? EQ and TU were quick to suppress post-filing reporting so I guess I just assumed it was the norm. Is EX just blowing smoke up my skirt?

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