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ddamage

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Everything posted by ddamage

  1. They took my carecredit and been with them for 3 months.
  2. Congrats! Would you mind sharing the email to capital 1? Im a 100% disabled vet who had late payments last year but have been in good standing going on an year. I sent goodwill letters last year but no success. Ugh.
  3. My honor to serve our Country. Thank you.
  4. Thank you. Hoping Ashley furiture, dicount tire, carecredit, capital 1 x2, merrick bank, and credit one do the same. Walmart got sent back to me undeliverable and I got the address right off the fico credit report. So need to investigate and find a good address for Walmart.
  5. Just wanted to let you all know that my goodwill letter to Amazon store card/Synchrony bank was a success. I hope the others from Synchrony bank follow suit. In Sept 2016 the Dept of Veteran Affairs permanently removed 1100 dollars a month from our income which cause my wife and I to get way behind on all our cards. So I sent GW letters to everyone explaining what had happen and the fact I am a 100% disabled veteran and so far Amazon store card came back positive. They said to give it 60 days for the credit bureaus to update. Stoked!
  6. Should a goodwill letter be handwritten or typed? Or does it not make a difference. Thanks in advance.
  7. No Lady but I will try to get them. ANy suggestions to where to get them? Should I order them straight from the 3 bureaus? Thanks for responding.
  8. I use to follow this board when I was going through my CH 7 and got good advice. Fast forward 2 years and in need of advice. After my CH 7 I got into credit cards for my wife and I to rebuild our scores and for 2 years we didn't miss a payment and our scores were headed to 700. Well September 2016 the Dept of VEteran Affairs out of no where permantely removed a 1100 from our income. I'm a 100% disabled vet and I can't work and my wife takes care of me and our autistic 4 yr old. So my wife and I have been behind our credit cards since Sept 2016 and most went to collections. I just won my social security case and getting back some backpay as soon as Friday. My question is do I pay the collection agencies or try to contact the capital ones, walmarts, etc to get current or pay them off with settlement? Thank you so much from a Veteran in need of advice.
  9. Thank you so much Terry. 2. 100k life insurance thru govt 3. Sorry forgot (not sure how or why I wud forget my truck lol) bout my 2014 Sierra. I owe 42k(was upside on our last car) apr is 2.9% only have had it for 7 months 4. One of my children can use my Hazelwood Act award in Texas. But no I haven't started a college fund
  10. Thank you and yes I'm going to talk to one.
  11. Hello Credit boards, I found out a month ago that the Dept of VA made an error on my disability and is giving me an 8 yr retro check of 121k tax free lump sum that will arrive soon. I was wondering what advice would you give me. Here is a little background. I have a Ch 7 that discharged Feb 20, 2014. I am renting to own a 1981 mobile home and I owe 24,800 to pay it off taking off the interest. It was a 6 yr contract at 6% interest. I completely fixed it up and it is actually nice. It is just my wife, my 2 yr old son, myself, and a baby on the way. I have about 8k in small loans and credit cards that I opened up to reestablish my credit with some positive lines. My wife and I make 5400 a month tax free from the VA. They also pay my wife to be my caregiver. Any advice is appreciated on what you would do with this windfall blessing from God above. Thank you so much.
  12. Thank you all. It is still under review and I should have an answer next week.
  13. that shows how long you have to wait post CH 7 to apply for credit. For example GE, Barclays, Citi, etc. They were IIB which was discharged in Feb 2014. I have seen that thread but for some reason I can't find it now. Any help is appreciated. Thanks in advance.
  14. Thanks Momma but Im trying to get a GW for the lates. Im hoping for a miracle and let them know I got medically retired from military and that was the reason for the lates because I could not work at that time.
  15. Thanks for response Shifter. I thought with the complete number they could find me better. So when I attempt a goodwill request they can remove the 60, 90, 120 day lates. Maybe I need to go back to the newbie section again and read some more. Haha.
  16. I recently got my hardcopy TU report and I was looking at my lates. Well on the report it doesn't give me the full acct number and has the last four numbers as ****. I need to try and clean up 6 late accts but don't have the whole acct number For example on Capital One it shows acct# 517604261529****. By the way that's a made up acct number just showing example. I was wondering how do I go about getting the complete number? Any advice is appreciated. Thanks in advance.
  17. Just be patient. Im using both SCP and TUP and started with 25 hard inquiries several weeks ago and down to 8 as of this morning. Some days nothing would drop but like I was told just keep pulling. Best of luck.
  18. Oh ok thanks Shifter for the quick response.
  19. Ok I'm on track again finally after 3 days went from 12 to 10 hard inquiries. Hopefully it won't be much longer. Haha.
  20. I'm a 100% housebound disabled veteran and I submitted paperwork to have my 30k student loans forgiven. Just received an email that a decision will be made in 7-10 business days. My question is would my credit score increase or drop if and when it reports to CRA? I'm not sure if you know but I thought I would ask. Thank you in advance.

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