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j7n1o7

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  1. Great, thank you! As soon as I get my reports back from the CRAs I will send out the letters to the CRAs. Sent from my SM-G965U using Tapatalk
  2. Looking for assitance from WhyChat. I have 2 medical collections on my report both from Receivables Management Systems. The OC is Patient First. 1. Listed as "Closed" with a balance of $0, opened on Dec 2013. 2. Listed as "Open" with a balance of $498, opened on Feb 2015. I live in Virginia and that's where the medical services were provided. SOL in Virginia is 5 years. Should I wait until Feb 2020 when SOL is expired to address collection #2? Thanks in advance! Sent from my SM-G965U using Tapatalk
  3. j7n1o7

    Apping a NFCU card

    I was approved for $15k last May w/ a 620 TU FICO8. I did have about $3k in my NFCU checking account when I applied. I dont know if that came into play. Sent from my SM-G965U using Tapatalk
  4. j7n1o7

    Jefferson Capital Systems/Verizon

    Resent Sent from my SM-G965U using Tapatalk
  5. j7n1o7

    Jefferson Capital Systems/Verizon

    Check your inbox Sent from my SM-G965U using Tapatalk
  6. j7n1o7

    Jefferson Capital Systems/Verizon

    I've seen you reference arbitration numerous times but not familiar with the process at all. How does arbitration work? - Thx Sent from my SM-G965U using Tapatalk
  7. Two weeks ago out of nowhere a collection account from Jefferson Capital Systems (JCS) pops up on my file. I didnt receive anything in the mail or a phone call so I decided to call them to see what its for and for them to mail me info about the collection. After speaking with them, they tell me it was from an old Verizon bill from 2015 for $96. First thing I do is to call Verizon to see if I can pay them directly and they informed me that the debt was transferred to JCS. After I receive the info in the mail from JCS, I immediately send them a DV letter. Two days after delivery of my DV letter, I get this notification from Wallet Hub that the collection from JCS was removed. The entire process to remove took 6 calendar days from the date I sent the DV letter. I read in here how they were were easy to delete, but I didnt think it would be that easy. If anyone has a collection for JCS and they need a copy of the letter I sent, just message me. Thanks CB!! Sent from my SM-G965U using Tapatalk
  8. j7n1o7

    Join NFCU without a DD214?

    Joined earlier this year and they didnt ask for my DDFM 214. Sent from my SM-G965U using Tapatalk
  9. j7n1o7

    Join NFCU without a DD214?

    I think that still applies. I got a Visa $15k limit with them with a FICO of 610. Sent from my SM-G965U using Tapatalk
  10. j7n1o7

    Question for WhyChat

    Hello sir. In your template letter to a CA, you reference "PD#" next to the date. What does that stand for? I'm assuming "postal delivery number via cerified mail? Sent from my SM-G965U using Tapatalk
  11. j7n1o7

    Swimming in credit card debt

    Have you thought about driving for Uber/Lyft? You can easily make $150 every weekend to contribute to your bills. Sent from my SM-G965U using Tapatalk
  12. j7n1o7

    Rental question.

    Not a mortgage question, but didnt know where to post for an answer. When you apply to rent a home or apartment, is that a hard pull? Also, if you apply at multiple properties w/in a few days will the CRA's count it as one pull? Thanks in advance. Sent from my SM-G965U using Tapatalk
  13. j7n1o7

    App for Marv

    Thank you! Sent from my SM-G965U using Tapatalk
  14. j7n1o7

    App for Marv

    Credit Application: Your Age? 48 Your Equifax Credit Score? 579 Your Experian Credit Score? 593 Your TransUnion Credit Score? 575 How many years have you been on file with Equifax? 25 How many years have you been on file with Experian? 25 How many years have you been on file with TransUnion? 25 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes (1-yr old loan and expiring lease) Will this open auto loan be a trade-in? yes How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? Bridgecrest Your current open auto loan payment is? Loan - $425 Estimated amount you may be upside down in this vehicle? Approx, $2500 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 13 Total percentage utilized overall? 52% How many of your revolving accounts are store cards? 6 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 7 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1 YOUR PERSONAL INFORMATION How long at your current residence? 12 months Do you Rent or have a Mortgage, or Live w/Relative or Other? rent Your Monthly Rent or Mortgage payment? $1200.00 How long have you held your current job? 1 years Your total provable monthly gross income is? $8333 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $2,000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. 7 collections Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7 New or Used vehicle you are considering: Please very briefly describe. 2012 -2014 Ford F150 pickup Thanks in advance! Sent from my SM-G965U using Tapatalk
  15. j7n1o7

    Master 2018 Approvals and CLIs Thread

    I dont know how or why, but NFCU just approved my CC request and gave me a $15K CL with a 620 score. I do have a few $k in the account when I applied so I dont know if that was a factor. Sent from my SM-G965U using Tapatalk

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