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imatter

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About imatter

  • Birthday 07/03/1985
  1. They go by EQ, I requested a CC and they gave me a 3k limit after a month of being with them and my EQ Fico was 663, My highest CC yet. I only have 2 others CC's $300 on FirstPremier & $400 with CreditOne. They're great.
  2. So from what I understand, I send 1 letter with all those attacks for just 1 account to each CRA?
  3. Dont do this. If its not fraud, its not fraud. I would suggest since its out of SOL you Jack Attack it. LMAO @ Jack Attack, but what does that even mean?
  4. never noticed, but here You wont be getting a Homeloan with a Recent CO... I am guessing this JUST charged off? No, it has been charged off for a long while. Should I pay it? shouldn't it have fell off my CR? I have sent dispute letters to them but they sent letters back telling me to dispute it with the CB's which I have and nothing. What is your DOFD TU Reports: Estimated month and year that this item will be removed: 0 6 /2 0 1 5... which is around the time i'm hoping to be house hunting.
  5. You wont be getting a Homeloan with a Recent CO... I am guessing this JUST charged off? No, it has been charged off for a long while. Should I pay it? shouldn't it have fell off my CR? I have sent dispute letters to them but they sent letters back telling me to dispute it with the CB's which I have and nothing.
  6. I should have mentioned that 1. I currently have an open CC with them =[ it was the only cc I can get at the time, & 2. I am planning on getting a house in the next 6-8 months via FHA with quickens help.
  7. Oldest account I have is a FirstPremier CC with a original limit of $200 but was charged off @ 429.00. I called them to see if it were possible to reopen the account if I paid, they denied, should I call and ask if they can PFD? or just pay it?
  8. She just insured me that he has no info of hers or her sons whatsoever. thanks for the advice!
  9. Considering all the advice given here, it sounds like a small place is ideal, something not so updated and in income tax season we can reno a part of the house so within time and more money saved, sell the updated little house for more or maybe even rent to keep the additional income like you said and work on getting our dream home. So very true, that is why I signed up for a checking and saving at DCU. Spoke to a rep and informed her of my intentions of building a relationship for a future mortgage loan.
  10. Hey Jen! Thanks for your response, it is greatly appreciated! I have signed up for a Chase My New Home Webinar on the 7th of may to get my knowledge started, I live in Manhattan, NY but I work from home so something outside of the city is what I am going for. I have disputed with both CRA's and Creditors & have removed tons of baddies. My utilization is currently at 27%. as far as behaviors, 90% if not 100% of the baddies on my Credit report are from when I was not as responsible as I am today, just 2 years ago I was a single guy from the city, now I am a father of 2 worried about the future of my 2 boys. The auto loan I owe is from a car financed in 2008 when the recession hit, I lost my job and couldn't afford the car, I was out of work for 2+ years and tried going back to school (hence the student loans).. FYI to all, my current job is very stable, small company so no benefits whatsoever, no 401k, no health, no dental, nada, nothing, zilch but as the company grows I grow with it and they have great raises.. I make 50k a year & my GF makes anywhere from 28k-35k (shes hourly) thanks again to all!!!
  11. That is beautiful advice Gerray! thank you!
  12. Red, I highly appreciate your comment and suggestion. this does seem like the best solution and I will look into it, make some calls and see if i am eligible for this oppertunity.. THANK YOU!
  13. Hey All, I am here for advice, No one I know owns a home or is any good when it comes to credit, loans, mortgages etc... Looking to the community to help me out a bit to get a future mortgage loan. I am 28 with 2 kids 1 of which is my own, the other my step son. When I met my girlfriend I jumped right into the family dad role and we eventually had a baby boy together which is 1 1/2. When we received news that we are having a baby, My concerns arise of getting a place for us, so we jumped right into an apartment in a not so good neighborhood with high rent, and 1 year after I decided the best thing to do is move back home with my family of 4, clean up my credit and save. But enough of my family tree.... The credit part is almost done (but not really). Since my move I have removed 13 negative items off my credit report from all 3 bureau but still have a low score. I have 2 credit cards with a $300 limit, one from CreditOne and the other from FirstPremier (Yuk, I know) A Fingerhut account $300 limit, Express store card $500, Buckle $300, Jcrew $250 & Student Loan from Nelnet of $1,800 (I am paying $50 a month). My 3 scores range from 585 to 606 (USAA ECM Scores) I am here seeking direction, what to do next, how do I go about removing the negative items? Do I simply pay them off? Even though I cannot really afford & how.. Schedule PFD, Schedule a payment plan? I've sent Verification letters to them, some are still in the works. But the main 2 that are stuck are the auto loan and first premier. The FirstPremier I have no problem paying off, I called to see if it were possible to re-activate the account if I paid in full, they declined of course, should I just take the loss with a paid? All advice, positive or negative is appreciated. My Goal Save for a down payment to buy a home within a year, limit is 150k-250k. Credit Summary of Negative items remaining on my report If someone would like to view my entire credit report, I can send a PDF or copy and paste it in a DM (All personal information have been redacted) Experian® Equifax® TransUnion® Account Name ACCELERATED FINANCIAL No Data Returned For This Bureau ACCL FIN SOL Account # Account Type Collection Department / Agency / Attorney Collection Account Balance $5,474.00 $5,474.00 Date Opened 8/1/2012 8/22/2012 Experian® Equifax® TransUnion® Account Name FIRST PREMIER BANK FIRST PREMIER FST PREMIER Account # Account Type Credit Card Revolving or Option Revolving account Balance $429.00 $429.00 $429.00 Date Opened 4/1/2008 4/1/2008 4/6/2008 Experian® Equifax® TransUnion® Account Name SANTANDER CONSUMER USA SANTANDER CONSUMER U No Data Returned For This Bureau Account # Account Type Auto Loan Installment Balance $0.00 Date Opened 7/1/2008 7/1/2008 Experian® Equifax® TransUnion® Account Name US DEPT OF EDUCATION No Data Returned For This Bureau No Data Returned For This Bureau Account # Account Type Education Loan Balance Date Opened 1/1/2010 Experian® Equifax® TransUnion® Account Name US DEPT OF EDUCATION No Data Returned For This Bureau No Data Returned For This Bureau Account # Account Type Education Loan Balance Date Opened 1/1/2010 Experian® 585 Equifax® 594 TransUnion® 606
  14. Still have no clue on how to count, But TU inq are B*/Gone (1 remains, so i canceled Smart Cred & TransU+).. nothing has been removed on EQ & I Don't see much soft pulls from MPM, USAA and recently started Quizzle (but i see the softs) once again, thanks to WantCreditHelp for everything.. HARDS CAPITAL ONE BANK USA NA Show Details 11/06/13, 10/14/13, 09/21/12 CCB/BML Show Details 02/16/14 BEST BUY Show Details 11/06/13, 09/11/13 Comenity Capital/HSNMC Show Details 04/15/13 EXXON/CBNA Show Details 10/07/13 FINGERHUT/WEBBANK Show Details 11/06/13 FIRST PREMIER BANK Show Details 10/02/13 TD/BANKUSA/TARGET CREDIT Show Details 10/02/13 WEBBANK/GETTINGTON Show Details 01/18/14 SOFTS CASHEDGE EIDCOMPARE 07/02/13 CIC/EXPERIAN ALRTS 02/19/14 PRM ONL-Comenity Bank/BUCKLE 02/20/14 PRM ONL-Comenity Bank/EXPRESS 02/12/14 PRM ONL-COMENITY BANK/JCREWINC 02/12/14 CREDITEXPERT 1-866-673-0140 03/18/14, 03/17/14, 03/16/14, 03/15/14, 03/14/14, 03/13/14, 03/12/14, 03/11/14, 03/10/14, 03/09/14, 03/08/14, 03/07/14, 03/06/14, 03/05/14, 03/04/14, 03/03/14, 03/02/14, 03/01/14, 02/28/14, 02/27/14, 02/26/14, 02/25/14, 02/24/14, 02/23/14, 02/22/14, 02/21/14, 02/20/14, 02/19/14 PRM-DR. LEONARD'S 06/27/13 EQUIFAX 02/21/14, 02/21/14, 02/20/14, 02/20/14, 12/10/13 EQUIFAX 12/08/13 ND-EQUIFAX 03/07/14, 02/07/14, 01/08/14, 12/18/13 ND-EQUIFAX 12/08/13 EQUIFAX INFO SVCS. 02/06/14, 12/26/13, 12/08/13 Equifax Consumer Services 02/19/14 ND-Equifax Consumer Services 03/18/14, 03/11/14, 03/02/14, 02/20/14 ND-Equifax Consumer Services 03/11/14, 03/02/14, 02/20/14 ND-Equifax Consumer Services 03/01/14 ND-Equifax Consumer Services 02/19/14 ND-Equifax Consumer Services 02/19/14 EQUIFAX - CUSTOMER ACCTS 01/23/14, 12/24/13 FAIR ISAAC 02/16/14 FAIR ISAAC 02/16/14 ND-FAIR ISAAC 02/16/14 FIDELITY BROKERAGE SERVICES 05/03/13 FINGERHUT 11/06/13 AR-FINGERHUT/WEBBANK 02/18/14 PRM-DM SERVICES - KAY JORDAN 07/25/13 PRM-MASSEY 06/20/13 PROGREXION MARKETING, INC. 12/18/13 QUIZZLE, LLC 03/18/14, 03/17/14, 03/16/14, 03/15/14, 02/12/14 PRM-STONEBERRY 02/21/14, 06/20/13, 06/05/13 PRM ONL-THE LENDING TREE 06/18/13 TRUECREDIT/COVERDELL MY 02/22/14 TRUECREDIT/VERTRUE 03/17/14, 03/15/14, 03/14/14, 03/13/14, 03/11/14, 03/10/14, 03/08/14, 03/07/14, 03/05/14, 03/03/14, 03/02/14, 02/28/14, 02/27/14, 02/25/14, 02/24/14, 02/23/14, 02/21/14

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