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  1. As other have stated, the CO would be an issue. IMHO, At a 5 years mark with a 13k loss, AMX wont grant an application. May be after deletion, it might be a good go.
  2. CITI is not a good choice. Are you Vet or a service member's related family? NFCU would be a great start. FNBO, BoA, Discovery (although a junk) are also good choices.
  3. True, you can increase the limit but you DO NOT need to wait 6 months to add more funds. But many people don't want to lock the money for 12 months. What I did was that I started off with $500 and at the 10th billing cycle, I asked them to increase the limit to 5K. At 12th cycle, I requested that they graduate it. They did and I ended up with $5K limit. A refund check was mailed as well. Since it as an HP and a graduation is not definitive at 6 months, I would wait 12 months to request graduation.
  4. You are approved. It is just their way of doing things. What card did you apply for? I would say their Altitude Go Reward is a wonderful product.
  5. Yes but payment was made to OC, and I subsequently reactivated service with the OC.
  6. CT I have not disputed it yet. I only asked for a DV thinking that they wont be able to validate and it will come off.
  7. Greetings, I have comcast account That went into default during pandemic. Account was placed with Credit Collection Services. However, in March 2021, I paid off the balance with comcast and reactivated the service. Fast forward, I sent a DV to CCS to which they never responded. Instead they changed the unpaid CA to a paid CA. How could CCS update the status of an account that was never paid to them but instead paid to OC? Does their reporting violate accurate reporting statute since the very fact that their activity is factually incorrect(it was never paid to them). Please recommend a best course of action.
  8. I mailed a copy of answer to the opposing party. To which, I was expecting a response. They never replied to that and not submitted to Court any evidence. Actually the letter that came yesterday states that a hearing was held and I missed the hearing. The date of the hearing they are referring that I missed was last week. You are correct, and I am heading to the Court tomorrow.
  9. Yes I did state in my response that it was a fraud. I can see a scanned copy of it. There was only one Exhibit by the CA. That Exhibit is simply an affidavit of buying debt. No other document or payment records. Then there are two MFC and two orders granting those Motions. then comes June when Judge wrote. "The judgment entered on June xxxxxxx is hereby vacated. The defendant was unable to participate in the trial and filed a Motion for Continuance in a timely manner. However due to a data entry delay the motion wasn't uploaded until after the completed trial. A subsequent notice will be sent by the Court with the new date and time." I had to submit a MFC from overseas. After this, No notice came and a default judgement was entered stating that I did not show up.
  10. Unfortunately not. But I did submit an FTC ID Theft affidavit to Synchrony back then!
  11. In 2017, someone opened an amazon store card under my name. They ordered few items and then I guess it was closed. I saw it popping on my CRA. I disputed with the CRAs and it went away. Fast forward, a CA tried to collect and when I sent DV, it went silent. Last year a new CA tried to collect and it quickly went to small claims. I got the summoned and I filed a response. Then Court adjourned the case because of COVID, without a set future date. I was working in Afghanistan this time. I came back and been here for last few months. Today, a letter showed up from Court indicating a default judgement of $400. I am shocked. I have not received any notice from the Court of a hearing. I called the Court to inquire about it, a lady on the phone stated that I should file modification to payment. The debt was a fraud. There is no evidence of payment. The CA did not provide any evidence or statements to me for their claim (though it is not my debt). What are my option.
  12. In addition to what CV91915 said, I would also focus on limiting the urge to apply for any new cards. What area are you in? a SSL could add a good boost.
  13. Yes and they only report to TU. I need one that reports to all three. Apped for Andrew FCU. Lets see.
  14. Hello, seeking advice on a credit builder loan that lets you (pay ahead) /pay in advance. DCU would not let advance payment. NFCU/Penfed are no go. Looking for something that possibly pulls EQ or TU.
  15. Thank you. Coming out of 12 CO from 2016. Contemplated BK idea but never gone that route. Currently reporting CO are Chase, Penfed and a Toyota Lease with 9 30 day/late markers. Out of three Cancelled and CO Amex, an Amex PRG was paid in full in 2016/17. I was able to remove NFCU, Lowes, CapOne. Last year I added myself to a family's Amex as an AU to sniff Amex attitude, It was then added to online card management. at 8 months mark, it is still going. From my COs, two Amex were left so I recently paid those off. I only have three open CC, one of them is AU and two SL. Positively by March next year I will be in Amex/Chase territory with clean files.
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