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  1. Hi! I've been a member for many, many years back when we were cleaning things up for our first mortgage. Since then, we've successfully purchased two homes and had no issues getting auto loans, nor credit cards with extensive limits. We're in Texas, where I was able to use the TFC to my advantage. It really works, y'all! I sent countless letters and took DH's score from low 500's to mid 700's!! I'm now back for medical collections, which are new to me. We had Tricare prior, where they paid literally everything and nearly nothing was trouble. When I was hit with a terrible ER bill on a high deductible plan, and the insurance wouldn't pay but the Medicare rates-OOF you can imagine the fear and panic when bills started rolling in. I've got two JDB's on my report and am working thru using the TFC again to get them off. I hope everyone here takes matters into your own hands and has great successes like we have! You can do it!!
  2. Has anyone sent a letter for goodwill? I can't seem to find anything on the best place to send a letter would be.
  3. I'm trying to get my pull before the date and it's not even an option for me now. My last pull for all 3 was 9/9.
  4. We get a free score but I think they only update with use BC mine hasn't updated since May. I haven't seen a report though, only a score.
  5. I know creditchecktotal experian runs daily.
  6. Recon. My score isn't as good as yours and I got approved online for $3k. I called the next day and asked for $25k and got it.
  7. It didn't affect my csp approval.
  8. Maybe ask for goodwill due to the situation of totaling a car. Also, how old are the lates?
  9. Have you disputed with the OC?
  10. Okay I must've misunderstood. Sounds like you got it down, just have to be careful of reporting times.
  11. They say authorized users don't matter and don't affect getting a loan since the other party isn't responsible for the card. I would leave it as is. The best thing would be to pay the card off and util will go down/score go up.
  12. I tried for a NFCU CLI and got $1000 but said they denied what I asked for-can't remember how much I asked for now but I'm thinking $25k. Worth a recon message?
  13. Did you read the paperwork it came with? You could also do online customer service if you don't want to call-I've banked with them for years and their CS is super nice and quick to respond.

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