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ANNOUNCEMENT

 


cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
 
 
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Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
 
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
 
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.

 

- Pam, LKH, radi8, Marv

- the mods and forum leads


Stormandshadow

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  1. Stormandshadow

    Help! My new secured bank loan disappeared from EQ!

    Thanks for the replies. Yes, I have hard copy of the report - which shows that the bank loan info, which was originally on report, is now off. Spoke to bank this a.m, they had already contacted the 'processing company" - and doing everything they can to fix as soon as possible. Will follow up.
  2. Stormandshadow

    Help! My new secured bank loan disappeared from EQ!

    Of course I did not rely on Credit Karma! When I saw a 70 pt drop and noticed that the loan was NOT showing on the report, I immediately called Equifax directly. Equifax, not CK, provided information.
  3. In late May, I received a $500 secured loan from my credit union - which showed on reports and raised scores by mid June. I have already made first payment, and second payment coming up. My best score was EQ, 658. Over this past weekend, I opened Cap One Secured MC, $49 deposit, $200 line. I am awaiting card. So Far, so good. This afternoon, I decided to review my EQ score and report...low and behold, my score went down a whopping 70 points...and.....my bank loan entry was gone!!!! Report shows only one open, in good standing, account! Should have shown two (and soon three, once MC is activated.) I called EQ,.and the only thing they could come up with was that my bank failed to report. But I know it was on the report - last month - so any ideas as to what happened? It was too late to call my bank -- but will do so first thing in the morning, So weird -- and rather unsettling. Also....I have a GM charge off from 2016 which shows as open , reporting as recently as July 2018, yet indicates it ws closed - and doesn't show date closed. Also shows that its in dispute. Glad about that. Still, I really don't get it. Car was supposedly auctioned off in 2016, yet, I never received any notice of sale - or communication regarding the amount it was sold for. The charge off amount (approx. $3500) has been the same as original outstanding balance -; however, shouldn't it reflect final balance remaining post sale of car In 2016 ?- When all of this happened, I TRIED to discuss pay for delete with collection mgr -- and he adamantly refused. Would love to get this removed since it won't fall off for another 5 years. Otherwise, no derrogatories, only one baddie - but really need to build credit - which is why I 'm so ticked about bank loan not showing. Questions; Any thoughts on bank loan dis?appearing from EQ and a 70 pt drop? Any suggestions re charge off ? Should I try PFD letter? Many thanks in advance for any suggestions.
  4. Hi all. I applied for the unsecured Discover IT - as I read that they pulled Equifax (my highest at 658). Foolish mistake on my part -- because I would have been okay with secured, although I would not choose Discover for secured. Of course, they pulled Experian (my worst at 545) . I am down to two, albeit, one big baddie - a 2016 charge off ($3600) by GM, but have opened only one new credit line - in years -- so really need to get that going as well. Up until around three months ago, I had no inquiries on my reports. I made the mistake of going to an auto lease broker - didn't realize that in addition to the scores he pulls, car manufacturers separately pull scores as well. I wound up with four total inquiries. A few weeks later, I opened a line (secured loan) with my credit union, and my scores went up - Equifax in particular. I realized that I really needed to open more lines ...so I figured I would try Discover. Rejected. So...I now have five inquires on my reports - and no card - secured or otherwise. My question : I would like to apply for the Cap One Secured (not taking any chances), but that will mean yet another inquiry. Should I wait before I apply for the card? If so, how long? I realize that the benefits of adding the credit line may outweigh the risk of another inquiry, but not sure about this. Any thoughts, suggestions would be greatly appreciated. Many thanks in advance. PS - Preapprovals from Cap One online and via mail - for Quicksilver....but even so, I'm reluctant to apply - don't want to take another chance.
  5. Thanks, suspected that was the case. I also realize that a car dealer can promise anything and then change the story when he runs your score. Yesterday rec'd approval from Cap One secured MC at 49.00 deposit for 200 line (per my last post yesterday) Is it too soon to apply for one more credit card - from another bank or company?
  6. Okay guys, I'm in!!! Instant approval Cap One Platinum , and only $49.00 deposit required for a $200 line for starters. I can deposit more (over a few weeks) to increase line - up to $1000, (but need to re-check that). In a way almost like a partialyl secured card. Now I'm wondering....should I do another? Thank you ...thank you...thank you!
  7. Many thanks to all, really appreciate the great feedback. I will follow up and keep you posted.
  8. Thanks for the feedback . You are correct about Discover. I know because when I asked what was pulled - the rep said Exp,but added that the CRA pulled is random. Will most creditors ignore frozen reports and simply rely on the one that is active? Will they tell you that they must have info from all three ? When I recently told a Hyundai sale rep that my EQ was around 648 (or 658} he offered a 0$ down lease and $349 monthly payment on a new (fully loaded) Tuscon. Of course, I didn't let him run my credit because wasn't sure what he would pull. I later read that Hyundai goes with highest score. ...Perhaps I should freeze TU and EX for now and see what happens.
  9. Hi all. I applied for the unsecured Discover IT - as I read that they pulled Equifax (my highest at 658). Foolish mistake on my part -- because I would have been okay with secured, although I would not choose Discover for secured. Of course, they pulled Experian (my worst at 545) . I am down to two, albeit, one big baddie - a 2016 charge off ($3600) by GM, but have opened only one new credit line - in years -- so really need to get that going as well. Up until around three months ago, I had no inquiries on my reports. I made the mistake of going to an auto lease broker - didn't realize that in addition to the scores he pulls, car manufacturers separately pull scores as well. I wound up with four total inquiries. A few weeks later, I opened a line (secured loan) with my credit union, and my scores went up - Equifax in particular. I realized that I really needed to open more lines ...so I figured I would try Discover. Rejected. So...I now have five inquires on my reports - and no card - secured or otherwise. My question : I would like to apply for the Cap One Secured (not taking any chances), but that will mean yet another inquiry. Should I wait before I apply for the card? If so, how long? I realize that the benefits of adding the credit line may outweigh the risk of another inquiry, but not sure about this. Any thoughts, suggestions would be greatly appreciated. Many thanks in advance. PS - Preapprovals from Cap One online and via mail - for Quicksilver....but even so, I'm reluctant to apply - don't want to take another chance.
  10. Stormandshadow

    The Master Why We Complain About Discover Thread

    Apologies. I should have limited to the complaint. Where would I post inquiry re when to apply?
  11. Stormandshadow

    The Master Why We Complain About Discover Thread

    I was under the impression that Discover relies on Equifax ,(658) so I applied online for the IT unsecured and was immediately rejected. When I inquired about CRA, was told Experian , my worst (545) due to 2016 charge off. My fault, of course, should not have assumed that info out there is that reliable. Also makes me wonder if they communicate false info to these websites. In the mean time, I now have that inquiry on my report. The irony is, I would have been okay with the secured card. Now I am reluctant to apply for any card -- and I really need more lines as I am down to two baddies but added only one line thus far. Any suggestions as to when I can apply? I had no inquires on my report - but wound up with three - all at once - because I went to an auto lease broker a few months ago and did not realize that each dealer would place an inquiry. So, yes, very disappointed in Discover, as well as my own less than stellar judgement on this one.
  12. Stormandshadow

    Repo

    Of course there is much more to the story -- not first repo, other debt ( CC not too large), but there is student loan currently in deferment and tax lien . I have atty working on taxes. I am aware that student loan and taxes don't go away. Thanks, will start thread and post under bankruptcy as well.
  13. Stormandshadow

    Repo

    Hi all. My car was repo'd and I must pay off the entire balance ($4500) which I do not think I can do by the deadline . I was able to negotiate a 30 day term -- (tried for 60 day) but it still leaves me one paycheck short -- and the lender refused to extend deadline for the additional two weeks . Won't bore you with all of the details . Here's my question: Since my credit is already shot - can't get much worse, would it make sense to file for bankruptcy (chptr?) and try to save the car? Truth is - I would welcome a fresh start (although I still have tax situation - working out via atty) but not sure filing won't make matters even worse - although that is hard to imagine. Many thanks in advance for any suggestions and insights. Would also welcome any words of encouragement from those who have been here -- in this terrible dark zone.

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