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  1. Thanks Centex. I think I can still log in and pay. Can you elaborate on your 2nd point about a "specific letter"? Not following you. Sent from my SM-G991U using Tapatalk
  2. Good evening everyone. Last week I received all types of alerts about a new collection reporting to EQ and TU. Frustrated to say the least since I didnt have any collections on my reports. The collection agency is Receivables Management Systems (RMS) collecting on behalf of Elephant Auto Insurance. The amount owed is $133. While I did have insurance with them, it appears as though they added additional fees after I switched to Geico before my policy was up. I never rcvd a single letter from them about the debt. If I would have, I would have paid it since its not a large amount and I di
  3. Congrats...what recent action(s) did you take for the big jump.. Sent from my SM-G991U using Tapatalk
  4. Midland is one of the few that will do a pay for delete. It sounds like you're willing to pay the debt. If so, why didnt you just make arrangements with them initially to pay it and avoid court? You probably could have settled for less or made installment paymets. They would delete upon final payment. Sent from my SM-G991U using Tapatalk
  5. The EQ CR said the DOFD is Sept 10th. I responded that EX and TU has the DOFD as June 10th and this should be dropped bc its too old to report. The CR filed a quick dispute and 2 days later I got a notification that it was removed. Sent from my SM-G991U using Tapatalk
  6. Surprisingly I just got an EQ to fall off 3 months early. That was my last and final collections account!! Sent from my SM-G991U using Tapatalk
  7. At the time when I had 2 PRS collections drop off, my scores went up about 10 pts across the board. However, I still had 2 collections still reporting. Sent from my SM-G991U using Tapatalk
  8. No relationship with them at all before approval. You do have to become a member after approval. Yes, they show the CL and rate once pre-approved. Sent from my SM-G991U using Tapatalk
  9. they provide updates faster than MyFICO. This was my LAST collection account on my report! Ironically, it was with Equifax and they removed it 3 months before it was due to fall off. I disputed it as obsolete and too old to be reporting. I figured they would tell me I had to wait until Sept 1st. So it was a pleasant surprise to see this on CK today. Sent from my SM-G991U using Tapatalk
  10. I thought disputing online allows them 45 days to verify and not 30. Sent from my SM-G991U using Tapatalk
  11. NASA Federal CU Visa Approved for $15k, 12.9% Sent from my SM-G991U using Tapatalk
  12. Sorry...you were probably talking about the interest rate, 12.9% purchase APR on both.
  13. Yes pre-approval was for $15k as well. Sent from my SM-G991U using Tapatalk
  14. Thanks for the response! My short term goal is to purchase a home within the next 6 months. So the $130 transfer fee is definitely worth the possible increased scores. A potential 20 point score bump could be the difference in mortgage rates. If that turns out to be the case, the money saved by a lower interest rate will be well worth it. Sent from my SM-G991U using Tapatalk
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