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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
  1. 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.
  2. 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.
  3. 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 was a miracle and recommended for my son to file BK 7. Stay away from debt management companies!
  4. oops, sorry about the spelling, I disputed with Transunion, Experian and Equifax, used official address of record
  5. I have disputed a few items on my credit reports back in May 11th 2020. I have not received any updates from any of the Credit Borough's to date. is anyone else having similar issues and what is my recourse?
  6. My Cap1 has not reported for the past 2 months either in Colorado
  7. I wish I saw this thread yesterday. I just spent $25 for nothing. This is what I got as a response today: "Thank you for your interest in joining Navy Federal. We have reviewed the documentation which provided your affiliation with the Navy League of San Diego (NLSD) as your qualifying eligibility criteria. However, the NLSD is no longer within Navy Federal's field of membership. As such, we are unable to approve your application." Any recommendation as to where to go next to rebuild with a CU?
  8. Comparable to what? How long you intend to stay in your home? You are only saving a half a point, usually it takes 1 to 1.5 points for a refinance to make sense. What is the hard cost of your re-finance?
  9. This is what the general public knows about mortgages: "what is your rate". After the 2008 mortgage mess we still didn't learn anything. Ignorance continues to win.
  10. That is true if you as an employee is added on as an AU, but that is not what Eric was describing unless I have misunderstood
  11. Civiljudgements: "but with Citi Corp there is not a pull of any kind and No PG." The above is not true and misleading: *Social Security Number: is required and they will run your credit
  12. Figure out who you really are and what makes your heart sing. Otherwise your are doomed to have addictions like this. When you say you don't have a problem that is proof that you do! And if off chance it turns out CB is your passion who knows you could become our spoke person.

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