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nursewithbadcredit

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  1. He’s been helping a little. That’s how I’ve kept the lights on, car note, insurance, our cheap phones paid and bought food. So, when I get back to work, I should just try to catch up? I shouldn’t call and try to negotiate interest rates or anything? Okay. Maybe I’m being dramatic. Maybe it’s not as bad as I think. 2-3 years isn’t terrible.
  2. I’m SO behind! I feel like I’m drowning in debt! So, my dad died in December ‘18 without insurance. I paid for his burial out of my limited savings - supposedly, no one else had money. In January, SO and I parted ways. End of January, found out I was pregnant. Fast forward 9 months, I’m behind on ALL my CCs that carry a balance, a consolidation loan, and my house note d/t being on strict bed rest since April. I had a c-section 3 weeks ago so still not able to go back to work yet. I have 90-day lates on two Capital 1 cards ($4,000 and $500), Chase card($500) and Dillard’s, Victoria’s Secret, Stage, and WalMart (about $3200 total). I also have a consolidation loan of $35,000 with NFCU, a LOC of $15,000, an AMEX of $1,000 and a few other small cards with no balance - none of these have late payments, but I’m always late paying. My house note is $1902, it’s almost 3 months behind. I was making about $130,000 before this pregnancy, working two jobs with no off days. I’ve cut out all that I could and shaved all extras. What should I do about cards, late payments, and my mortgage? Credit counseling? Call and try to negotiate? Will bankruptcy allow me to keep my house? Or just wait and go back to work and try to catch up. I should mention that my scores are down about 200 points, I’m sure it’s d/t utilization and the numerous lates. Help!
  3. I’m trying not to be a helicopter parent. He’s in on the process, too. He’s new to this “life” thing, and I’m trying to be a guide.
  4. He’s been working for two years with the same company. He has check stubs. No certain type of car, just dependable. And, he doesn’t have any credit, other than being my authorized user.
  5. My son just turned 18. I just added him as an authorized user on one of my credit cards. Other than that, he has no credit. He’s leaving for college in August and needs the money from his college fund to pay for school. He has a good job (for an 18-year old). But he needs a car! Any ideas on where I can get him financed? I must add that I can’t co-sign. My credit is good, but my DTI is too high, I’ve been told. Unless you have some ideas there, also.
  6. So, the credit bureau told me the dates of the accounts. I was looking through my Dropbox for something and ran across a letter sent to me last year by PMAB. The letter says they removed the same accounts from my credit report last year. Same dates and amounts. Apparently, the hospital resold the accounts. Do I have any recourse? Still no answer from this CA (they still have about 10 days). By the way, the amounts were what remained after insurance paid for ER visits, says Blue Cross.
  7. I'm not even sure whether the accounts were for myself or my children because the CA hasn't answered my DV. So, I don't know what to tell the insurance company when I call (dates of service, etc). As soon as they send me some info, IF they send me some info, I'll call the insurance company. Thank you!
  8. I have two collections that popped up in June 2018. Both are with the Law Offices of Mitchell, Bluhm, and Associates. They have an open date of April 2018, and it says it's for "Northern Louisiana Medical Center Emergency Physicians". One for $367 and one for $1,028. I'm not sure what or who they are for (I have 6 children). I called the hospital and they don't have a record of the account, but they did have a visit for me from May and they didn't file my insurance, which left me with a balance. The lady said that the emergency physicians bill separately and gave me a number to call. I called them to let them know that I have insurance that they obviously didn't bill, and this lady told me that I should call and talk to the collection agency directly because they don't keep the information after they send it to the agency for collection. I know to NEVER call the collection agency, and I've sent them a validation letter because I don't even know who received the health care. How do I get them to file on my insurance - a collection agency won't go back and do that, will they? In this case, should I call?
  9. Has anyone here ever been granted a business LOC with a brand new business? Im willing to PG or even put up a rent house as collateral. If you have, which lending institution did you use, how old was your business, what type of business do you own, what was your personal credit score, and how much was the LOC? Thanks!
  10. I posted there! And all I have is what they sent me where I signed the scholarship. I completely forgot about this, it was so long ago! I don’t even remember whether we used a website to turn things in or snail mail, but my signatures on the forms are not electronically done - so I’m leaning toward snail mail. But this long ago, smh...I would have probably shredded this stuff if I DID have it, since it’s been almost 11 years since I graduated.
  11. Okay! Heres the skinny! I was sure whether or not this should go in student loans, because it technically wasnt a loan. So, in 2004, I received a nursing scholarship from DHH/HRSA. The scholarship rules were that I would work in an area of a nursing shortage for 2 years, or be subject to repayment. When I graduated, I got a job at an institution on their list, sent them notification of my employment and didnt hear from them again - until now. Fast forward 10 years. I get a ding on my credit report, an open collection with several lates for $106,903. This is what it looks like with Equifax: Creditor name: HEALTH RESOURCES & S Last reported: Aug 16, 2017 Account type: Education Loan Account Status: Open Opened Date: May 1, 2017 Responsibility: Individual account Balance: $106,903 Highest Balance: $47,390. (Im SO confused) Payment status: 30-59 Days Late Amount Past Due: $106,903 Times 30/60/90 Days Late: 0/0/0 Initially, I sent a request to HRSA because I had no idea what this was since I THOUGHT I upheld my end of the bargain. I was sent a letter saying that I defaulted on the obligation commitment on June 10, 2007. It also says that theyre not bound by FDCPA, instead by HHS Claim Collection regulations 45 CFR Part 30 and Debt Collection Improvement Act of 1996. Ive looked both of those up, and of course, its not in English. Im sure the debt wont just go away EVER, and I have a call in to see what happened to my notification paperwork years ago, but can they still report, 10+ years later? Or Can I send the CBs their letter with date highlighted and get it deleted until I sort this out? I know I sent that letter, but my OCD and initial clean reports just wont let me wait! Lol! Creditboards is why I was clean, prior to those! Thanks, everybody!
  12. Okay! Heres the skinny! I was sure whether or not this should go in student loans, because it technically wasnt a loan. So, in 2004, I received a nursing scholarship from DHH/HRSA. The scholarship rules were that I would work in an area of a nursing shortage for 2 years, or be subject to repayment. When I graduated, I got a job at an institution on their list, sent them notification of my employment and didnt hear from them again - until now. Fast forward 10 years. I get a ding on my credit report, an open collection with several lates for $106,903. This is what it looks like with Equifax: Creditor name: HEALTH RESOURCES & S Last reported: Aug 16, 2017 Account type: Education Loan Account Status: Open Opened Date: May 1, 2017 Responsibility: Individual account Balance: $106,903 Highest Balance: $47,390. (Im SO confused) Payment status: 30-59 Days Late Amount Past Due: $106,903 Times 30/60/90 Days Late: 0/0/0 Initially, I sent a request to HRSA because I had no idea what this was since I THOUGHT I upheld my end of the bargain. I was sent a letter saying that I defaulted on the obligation commitment on June 10, 2007. It also says that theyre not bound by FDCPA, instead by HHS Claim Collection regulations 45 CFR Part 30 and Debt Collection Improvement Act of 1996. Ive looked both of those up, and of course, its not in English. Im sure the debt wont just go away EVER, and I have a call in to see what happened to my notification paperwork years ago, but can they still report, 10+ years later? Or Can I send the CBs their letter with date highlighted and get it deleted until I sort this out? I know I sent that letter, but my OCD and initial clean reports just wont let me wait! Lol! I also posted in student loans, just in case this would be better served there. Creditboards is why I was clean, prior to those! Thanks, everybody!

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