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Everything posted by NAC

  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.
  14. NAC

    Navy CLI

    My recent CLI was a hp also.
  15. Clean addresses up first. Send a letter to all 3. Who is "them" from above for the synch card? OC or CA?
  16. Thanks moose! I'm sensing in paperwork for SCRA first so I sent a goodwill along with it. If that doesn't work then I will send to the EO.
  17. I was doing online chat to get the info I needed to establish this for an account with Synchrony. When my husband spoke with someone before, he said he was mailing out a packet he would need to fill out and return. I was in chat following up because we never received anything. Come to find out, there's no paperwork to fill out at all. You will need to send in a copy of your orders as the chat rep told us today. Which if you know anything about SCRA, it does-taken from excerpt off military.com... Then, suddenly she asked me to hold and "spoke with that department" and would be happy to give me the info needed to get this instated. The process with Chase was much smoother, and they bent over backward to help us out. We sent a copy of his orders, they refunded us interest from the course of the card, and went further to reduce the interest to 4% instead of 6%! SCRA info straight from the source http://www.justice.gov/crt/about/hce/scra_revised_2014.pdf
  18. I'm formulating a Goodwill letter for Discount Tire-Synchrony. I searched and cannot find specific info. Is there a certain place I need to send it to? Previously sent GWL to EO, is it the same for Synch? Any address you know of?
  19. expected date of deletion, is this your own or what it says via equifax report?
  20. NAC


    I'm still learning about this d*. I have a new Amex and an existing usaa amex. New Amex isn't reporting yet for me to know for sure but is the usaa Amex product enough to get me a d* for my new one?
  21. The burden of proof is on them.
  22. Gm bought americredit years ago which is why it's reporting as such. I had success with a jack attack. Pick apart the TL using three-four things-not too many so if you do it again you have different ammo. I never contacted OCs directly, either mail or phone, but have you called GM at all? Actually, I did write discover.

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