crocsman02

Jusr Apped for blue cash everyday and got instantly approved for 4k! 650~ fako. this time last year I had a 550 score, couple collections, and 1 secured cap 1 card. Today I have a quicksilver one (opened 3 months ago) with a 500 limit, my secured card at a 500 limit, and now the Amex! I was shocked

Thanks for the responses everyone! So now that we know she has to file taxes.. What would her next step be? She receives written checks weekly. I told her to keep every receipt once deposited. Also told her to talk to the family's mother and ask for any documents that may be needed.

So my girlfriend recently got a job as a nanny for a family here in California, who pays her weekly, however they don't take out taxes. They just simply write her a check for the amount of hours she worked that week. My question is.. Does she have to pay taxes herself? Is it by law, here in California, that you have to pay your taxes from any money earned?

Yes. Ordered Equifax and transunion by phone. Experience was the only one giving me a hard time. Couldn't order by phone because it was going to send the report to the address of my current telephone, which is different from my current address (weird). So I just payed for one online and was able To see it, and yes it does have a special report number. All old names and addresses were deleted late last year. Now it's onto disputing. Just another question regarding my other baddies.. How do I handle a baddy (sallie Mae student loan), that's reporting as 180 days late, with the last month of reporting being sometime in 2012. Does this mean it was closed and bought out by another lender? Another baddy was a car Repo. Before my credit went tumbling down, I turned My car into my bank as a self repo back in 2009, since I had to move and couldn't sell my car in time. Ended up having a 2 thousand sum outstanding balance which is reporting as a "R" since. How do I handle this baddy? Thanks in advance

thanks for that tweak! Yes, I think I will look into 1-2 punching Midland. Now what happens if Midland is able to validate? Only option(s) is to try and settle or wait till it falls off? Is it a bad idea to agree to pay Midland (since they offered a discount pay off), and ask or send a letter for a "Pay for delete"? Now i'm taking this plan of attack only with my EXP report, since it's the only one I have. What do i do when i get my other reports and lets say, the accounts are showing different DofD or balance. Do I treat each CRA differently?

Im in California, so I believe SOL is 7 years? Since you mentioned SOL, since Midland started reporting in January of 2014, The SOL for that credit line will expire 7 years from January 2014? or is 7 years from the Original creditors date of first default?

So Im looking up my Experian report which I just received and I'm trying to tackle these negative accounts. One in particular is a Midland Funding account that has been reporting since January of 2014 until now, with a status of "C" (collection) and an amount of 1547 dollars. The orginal lender was from Bank of america, which is now showing on my report as 'Closed', however its last month of reporting is showing December of 2011. There's about a 3 year gap and I can't find it on my report. I'm guessing it was purchased by another lender before Midland, and Midland bought if from that lender. Anyway... My main concern is trying to attack this so that I don't only get the Midland out of my report, but both Midland and BofA. Midland has sent me a letter in the mail about two months ago offering me to pay off my account for a whopping deal of 900 sum dollars to call it even, but I know that would not be the right way to go about it since, yea it can be payed off, but it will still be reporting (or showing) on my reports. What would be the right way to tackle this? I know kind of a blunt question, but I'm confused especially with that gap in between the reporting dates. extra facts about these accounts: Balance Midland is reporting is 1500 sum. BofA was 1200 sum. Midland show a status of "Scheduled to fall of in June 2016". BofA does not show a scheduled fall off date.

thanks guys.. yea i figure I have to work on the baddy (BOA charge-off), and probably start out with a secured credit card. If my SOL for my baddy expires mid 2016 (DofD was sometime around mid 2009- I live in Cali), you think I should wait for the account to fall off and just app for a secured card until it falls? Or should I attack it and get it off now.. My goals are simply to reestablish my credit. I'm around 600, give or take 20 points (FAKO scores). I want to be able to move out of my current residence and not worry about being denied at a new place because of my poor credit (happened before- had to get a co-signer). I used to be around low 500s, up until January of this year when I completed my fed loan rehab. Any advice?

Shoot. Just called and lady said I was denied need more reistsblishment and that I have no real CC history and a BOA charge off. Boo

Just apped online for the barclaycard rewards MasterCard after it was recommend online for me through credit sesame. Haven't seen it online before so decided to give it a shot. Apped and results said "will take 7-10 business days, you'll receive result in mail". Was wondering what the Backdoor number was so I can follow up and possibly speed the process. If approved, this will be my first CC in 6 years. So I'm crossing fingers on this one. Thanks in advance

Just apped online for the barclaycard rewards MasterCard after it was recommend online for me through credit sesame. Haven't seen it online before so decided to give it a shot. Apped and results said "will take 7-10 business days, you'll receive result in mail". Was wondering what the Backdoor number was so I can follow up and possibly speed the process. If approved, this will be my first CC in 6 years. So I'm crossing fingers on this one. Thanks in advance

Ok thanks. When you say "it'll drop off once it ages off", is that when SOL is up for that tradeline? Is there any way the DofD may change?

I've recently completed my 10 months of rehab for my federal student loans. Been paying my new lender now for 2 months. I've checked my credit report and found that 2 accounts were marked as closed (which I assume is good- never had this), however my account(s) that I'm currently paying show a current and good standing, but my negative history is still being shown. If I recall, before I started my rehab, the representative on the phone stated that when the rehab is complete, my old accounts will be deleted and I will show current with a new lender on my reports. Seems like he was right about my accounts showing current and in good standing with a new lender, but wrong about my negative history being removed. Is there a way to get rid of my old negative history in my current, up to date accounts?

Thanks guys! I shall update y'all once I get reports!

Original creditor is Bank of America. It was a credit card charge off. I need to order my reports in order to make sure the DofD was not changed, since I'm basing it on my old report which I requested late last year(2014). So if I'm reading this right, my next steps should be.. Request for updates reports from all 3, DV account through OC (certified mail), at the same time, 1-2 punch the JDB?