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diamon63

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  1. diamon63

    Remove CO

    bump
  2. diamon63

    Remove CO

    Ok so I am helping my dad fix his credit, for student loans. However he has to charge offs on his CR. My mom opened two credit cards without his knowledge and never paid them. Also when they went into collections. One of the agency spoke to my grandfather about the balance and he paid it. Since they spoke to my grandfather instead of my dad is that illegal? Also how do I attack this? COMENITY BANK/VCTRSS 11/29/2014 $595 04/26/2016 CHARGE-OFF$350 PO Box 182789 Columbus , OH-432182789 Current Status: CHARGE-OFF Account Owner: Individual Account. High Credit: Type of Account : Revolving Credit Limit: $ 350 Term Duration: Terms Frequency: Monthly (due every month) Date Opened: 11/29/2014 Balance: $ 595 Date Reported: 04/26/2016 Amount Past Due: Date of Last Payment: 02/2015 Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 10/2015 Months Reviewed: 16 Creditor Classification: Activity Description: N/A Charge Off Amount: $ 595 Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Charge Account Date of First Delinquency: 05/2015 Comments: Charged off account YNCBPAYPALSMARTCONN 12/03/2012 $0 07/14/2014 CHARGE-OFF$600 PO Box 965036 Orlando , FL-328965036 (866) 396-8254 Current Status: CHARGE-OFF Account Owner: Individual Account. High Credit: Type of Account : Revolving Credit Limit: $ 600 Term Duration: Terms Frequency: Date Opened: 12/03/2012 Balance: $ 0 Date Reported: 07/14/2014 Amount Past Due: Date of Last Payment: 01/2013 Actual Payment Amount: $ 25 Scheduled Payment Amount: Date of Last Activity: N/A Date Major Delinquency First Reported: 08/2013 Months Reviewed: 19 Creditor Classification: Activity Description: Transfer/Sold Charge Off Amount: $ 587 Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: Type of Loan: Credit Card Date of First Delinquency: 02/2013 Comments: Charged off account Thank you for all comments
  3. Hello, So on August 2 my boyfriend recieves a call from a detective stating he was following up with a case and that he was a shooting victim. My boyfriend explained he was hiking that day with me. Proceed to ask how he got his information to call him. Dectitive states via their database and he will remove him from the case. Now we looked up their precinct and verified it was a real detective. We thought it was wierd and kept moving. Now we he is recieving a medical bill for the exact date of the shooting he was called about with the detective. How should we proceed since it's not in collections? We are going to file a police report for identity theft and freeze his reports. But what other steps should we take?
  4. diamon63

    Lowes and all you know.

    Hey on a side note, it's cheaper to go to Best Buy for appliances that Lowes. Look at their open box items. I got a 4k fridge for 1.8k
  5. 4/2 -$4.2k 4/18-2.5k 5/5-2.5k 5/7-2.5k 5/27-2.5k 6/12-2.5k 7/10- instant Decline Current credit line 18100. I thought I could at least try. I had a good run!
  6. diamon63

    Lowe's cli success with backdoor number

    Ok I stand to be corrected. What line did you have before? Was it a big jump? Sent from my HTC One using Tapatalk
  7. diamon63

    Lowe's cli success with backdoor number

    From reviewing previous post people usually have better luck with chat but I could be wrong. Did you get a hard pull from calling? Cause I didn't receive one via chat. Sent from my HTC One using Tapatalk
  8. diamon63

    Lowe's cli success with backdoor number

    It's better via chat. got 15k increase immediately after application
  9. diamon63

    Considering an App Spree

    I currently have app line up: Chase Freedom Barclays NFCU Sent from my HTC One using Tapatalk
  10. diamon63

    Considering an App Spree

    I totally agree! Right now my interest rate is 8.24 and 9.99. I want good rates and lines for when I graduate. What's a good Barclays card. Sent from my HTC One using Tapatalk
  11. when I got that message last time, the credit department called and stated I had alot of increases recently and I need to wait a couple of months. Waited a week later and got my increase
  12. diamon63

    Considering an App Spree

    Ok I have to apply for additional student loans. So I firgured if I was going to HP might as well do more.Which cards should I app for? Currently I have Discover BOA BOA AU-Lowes Best Buy GA Own CU 18.1k line 8k line 10k line 17k line 9k line 2.8k Dec 2014 May 2014 Aug 2009 May 2015 April 2013 Aug 2010 My FICO scores are: 692Good FICO® Score 8 based onEquifax 734Good FICO® Score 8 based onTransUnion 700Good FICO® Score 8 based on Experian data
  13. Is that cli on 4/18 correct? 2.7k? From 4k -> 2.7k -> 2.5k... Interesting I would love to get my hands on your statements Ok mistake made on my part. It was 4.2k initally and 2.5k afterwards for further increases. How can I post screenshots? I giving an example of spending. ACCOUNT SUMMARY PAYMENT INFORMATION REWARDS Open Date: Mar 17, 2015- Close Date: Apr 16, 2015 Cardmember Since 2014 Previous Balance $171.45 Payments and Credits - $2,893.47 Purchases + $1,612.86 Interest Charged + $0.00 New Balance -$1,109.16 Credit Line $5,600 Credit Line Available $5,600 Discover it Card Account number ending in **** Open Date: Apr 17, 2015- Close Date: May 16, 2015 Cardmember Since 2014 Previous Balance -$1,109.16 Payments and Credits - $2,545.31 Purchases + $6,558.88 BInterest Charged + $0.00 New Balance $2,904.41 Credit Line $13,100 Credit Line Available $9,333 Edit: I forgot I made a huge overpayment that month! $2k overpayment to wrong card maybe that's why I got such a huge inital increase?
  14. I am a PIF after statement cuts, first increase was 4k. Afterwards I recieved 2.5k increments after my second one. I opened my credit card in Dec 2014 with 1400. Now it's 18100. 4/2 -$4k 4/18-2.7k 5/5-2.5k 5/7-2.5k 5/27-2.5k 6/12-2.5k Most recent statements I did not PIF due to me having 0% promo for purchases.
  15. diamon63

    Credit help..Apply for non secured card?

    Now we just got her cards mostly in May. How long should we wait as well? Sent from my HTC One using Tapatalk

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