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  1. Sounds like a lengthy process??
  2. Yes, they are. My only question would be, if the collection is deleted through pfd does the charge off come off as well, too??
  3. 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
  4. 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.
  5. Pay the irs off and apply to have the liens withdrawn.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.
  6. 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.
  7. 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!
  8. 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 .
  9. 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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