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Got it. Thanks!
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Sounds like a lengthy process??
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Yes, they are. My only question would be, if the collection is deleted through pfd does the charge off come off as well, too??
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PFD, are easier than I last remember? I found out Portfolio offers PFD's now without the haggle. They even mention it on the website, hopefully that is good news for me. I have 6 charge offs and they're the collection agency that the debs were sold to. I am going to make offers of 60% on each one-of them? I wonder how much of an increase will I see? The total debt is around $8k
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I have no CA I only have 5 paid CO's just wait?
fiveyearplan66 replied to Help1285's topic in Credit Forum
bump -
fiveyearplan66 reacted to a post in a topic: Ordering Paper Credit Reports - Information Inside
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Happy Sunday to everyone! I normally wouldn't open an email from Credit Karma in ref to my file changing whatsoever , but it said some items were removed? I opened up the email and all of the synchrony bank accounts were removed without me ever disputing them and all of them are about 5 years old or close to it? but the collection agency's are still reporting them. If I dispute with the CRA that " I have no account" would that be enough or is this the new thing? sorry haven't been on here in awhile.
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Pay the irs off and apply to have the liens withdrawn. ..your accounts will age in the meantime! In two or three years hit up capital one for a venture card, you will get at least 5k That's the game plan! Not to sure about my Amazon Chase increasing much I only runnan average of $ 750 per month , but I think I can get a nice bump with my Qs by my 7th statement because I average $1300 a month on it and its pif every 2 weeks.
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I pay off all debts within 30 days too, my nieces and nephews like clothes and other items from these particular stores so its cool with me.
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Oh yeah, the Gap $200..lol
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Oh no no no, he's got Synchrony Toy cards! They're like from Heaven or something. That shows that Sync wasnt feeling the the O P profile look at the limits they dont mind showing love and since i have been here people always tell other people dont App until u are ready. because when u rush u get Chocolate Goodness results. He's got an 800 dollar prybar. No Uber actualy the Target $300 RedCard is the Prybar.Lol!
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Lol!
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They're Synchrony. .lol Yep 17k @11 % not extremely excited about it, but I needed a newer car/with warranty ..who knows maybe next year I can get it refinanced ? I put 4k down .
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Thanks to this site for providing all the tools to getting a strong hold on my credit. Since joining this board over a year ago, my fico scores have risen on average 90 pts across the board. Quicksilver $500 Amazon Chase Rewards $500 Capitol one secured $200 Psecu secured $500 Firestone $800 Target $300 Kohls $300 J.C. Penny's $500 Opensky $200 Credit one $300 Total Visa $300 Fingerhut $750 Walmart $400 Chevron $300 Old Navy $200 American Eagle $150 Chevy Equinox 2014 17k@11% for 72 months. The backdrop story was, that I knew that the Irs was planning on filing tax liens soon and I needed a new car bad so, I cleaned up what I could in the interim , I have agreed to an installment plan of payments that are 1/3 of what the Irs suggested that I pay in order to prevent the leins from being filed. I guess any day now ,I can expect a major blow to my credit score that I have worked a little at getting it to where it is now. I have enough income and credit and new vehicle sustain myself for now ,I suppose. So,I guess my chances of buying a new home is pretty much done as the new liens are set to hit my reports soon? Somewhere I read here ,that if you have a freeze on Lexisnexis, then it may never show up? we'll see. I dont plan on applying for anything else no time soon and maybe in time with the credit that I already have ,and by paying everything on time and so forth,I should be okay. Overall, Im still happy about someof the gains I made with the help of the people here. Thanks to everyone that made it possible for me to get this far,because for awhile I couldn't finance anything.
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Creating credit for my new wife... and increasing my credit lines
fiveyearplan66 replied to jb71's topic in Credit Forum
Hahaha -
What has helped you on creditboards?
fiveyearplan66 replied to GoodCreditSeeker's topic in Credit Forum
The feedback; good n bad.