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About financialevolution

  • Birthday 03/11/1954

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    Finance (worked for banks that are too "Big to Fail", Media

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  1. Thanks guys. I do have a secured loan with Credit Strong started a year ago for $9000
  2. The reason Discovery gave to not graduating the secured card is that that it is done by the system automatically on the 25th of each month. I have never been late but only went under 30% utilization this March. I'm know using the card and PIF every month. She could not really tell me exactly why. I had some late payments during Covid, some 30 and 60 late, Capital One and Credit One removed them none of the others did. I'm closing the starter cards to get a thinner file.
  3. I filed BK7 four years ago and have been rebuilding sense. Started with under 500 score today: TransUnion: 633 Experian: 617 Equifax: 655 First question what do I do with some of these starter cards that I got that I have no use for anymore because they either do not provide credit line increases, don't graduate from secure to unsecure or existing credit limits are too low. I have been making all my payments on time utilization is less then 15%. Should I close these accounts: FSB Blaze credit limit $500 Balance $0 Bank of MO credit limit $450 Balance $0 S
  4. I can't believe getting a call from Capital One regarding my good will letter. They took off my 30's and 60's from both of my cards. Thanks you guys again.
  5. Thank you guys for suggesting and motivating me to send out a good will letter. I did send one to Credit One Bank and it worked. I got an e-mail and a call from the team lead from the Office of the President. They took off my 30 and 60 day lates from my account. I'm sending a good will letter to all the other creditors. I'll keep you posted.
  6. I haven't tried a goodwill letter but I will. The creditors are: Capitol One, Credit One, Merrick Bank, and Genesis
  7. I was first late in March and April of 2020. Not prior. I made the request on 05/21/2021 when I first learned about the Act,
  8. Back in March of 2020 I got behind on a number of my credit cards. I spoke to all of them and made arrangements to make payments. Fast forward to today, I sent the following letter to them to attempt to delete the late payments . I got responses from three credit card companies, they are completely ignoring it. "Effective January 31, 2020, creditors should have changed the way they are reporting late payments. In light of the recent CARES Act, creditors should not report any late payments to the credit reporting agencies during the CARES Act period* to avoid harming my credit scor
  9. Vista Print has no personal guaranty option
  10. The whole notion of developing business credit is to not use your social and separate your business from personal. The rest should be obvious.
  11. I just got this from Amsterdam: Good evening. We do report to Dun and Bradstreet but only for an account that is not paid or delinquent account. We do not forward positive. Thank you and Stay Safe, Leslie Amsterdam Printing Customer Service 800-833-6231 www.amsterdamprinting.com 166 Wallins Corners Road Amsterdam, NY 12010
  12. So let me clarify, deletions are happening. What is not happening is the reporting I'm used to by the CB's after 45 days of disputing. Five months after disputing with all three CB's I have only received one written update from Experian only. I hope this helps clarifying.
  13. I have disputed several items on my credit reports as of May 2020. I have only received one update from Experian. I haven't heard from the other two that is 5 months of silence. So the answer based on my experience is yes they can't keep up.
  14. My son hired a debt settlement company without telling me until he got way over his head. I confirm that they very good at taking your money. They charge an upfront fee and a monthly fee. They took $ 700 a month from my son after the fees they put the balance in an escrow account. They get paid first. They said they won't negotiate with creditors until there is enough money in the account. Discover and Amex sued my son. I told them that they are running a scam and demanded my son's money back from the escrow account and 50% of the fees for doing nothing. I have succeeded which I thought
  15. oops, sorry about the spelling, I disputed with Transunion, Experian and Equifax, used official address of record
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