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  1. I have a medical condition that requires me to get monthly lab work done. I’ve been having this done for the past few years. I do everything at my monthly doctor appointment. I was never charged a copayment or anything, so I foolishly assumed it was covered by my insurance. I live in a house apartment where most of the time the mail doesn’t get to me. I have a PO Box for important things, so I never realized I was getting bills coming to my apartment due to the fact I don’t have things sent there and never gave my doctor office my PO Box. The lab company (LabCorp) has attempted to send something via through my local sheriff through UPS, which I happened to see the note for (note was left cause no one was home). I haven’t contacted the lab company yet. I figured I should ask for advice on here before doing anything. What are my options? Should I contact the lab to work some kind of payment plan out? Should I contact an attorney? Should I be worried about my savings account —can they seize my savings (Barclays online savings)? My initial thought was to call the lab company, but I don’t want to say or do anything that will make matters worse. I don’t even know how much money I will owe, but I’m sure it’s going to be relatively significant, so I wouldn’t be able to pay all of it at once. I’ve received excellent advice on here in the past, so this was the first place I turned to before doing anything. I currently have excellent credit (800+ FICO score). I have 100% payment history, 1% credit utilization, etc. What are my options? What should I do? Note: I live in New York State. I’m not sure if that makes any difference with my situation. Thank you for the reading this and thank you in advance for your advice. Sent from my iPhone using Tapatalk
  2. I have FICO scores between 754-802 (depending on the credit bureau). I know I’m getting a Honda (I’ve been very satisfied with my current Honda). I want to lease, but haven’t decided on the dealership or the model. My current lease is from Honda Financial Services. When I went on their website, making sure I had no more lease payments left, I noticed you could apply for lease financing on their website. I don’t think it’s a full-fledged application. It basically pre-approves you. My question: is it in my best interest to apply before going to the dealership(s)?The two dealerships I’m looking at are actual Honda dealerships, so they’d use Honda Financial Services anyway. I don’t know if pre-applying will help or hurt me in terms of my lease rate. I’m not sure if dealers have the ability to negotiate lower rates or have some other power over it. Then again, I would think pre-applying would circumvent the infamous financial manager who always seems to have a reason why they have to increase your deal (down payment/monthly payment). What’s your experience? Thanks! [emoji846] Sent from my iPhone using Tapatalk
  3. I leased my first vehicle a few years ago. My lease will be up soon. I’m starting to do some research so I’m better prepared when I get a new lease. I feel like I got swindled on my first lease. I got a Honda Civic EX-L (an upgraded model) for $1500 down and $349/month for 36 months. I was told they could have done better but my credit wasn’t perfect. Plus, this was my first lease/major finance. While my credit was good at the time —close to 700 FICO— I was still in the process of rebuilding it from a 540 credit score about 7 years ago. Nonetheless, talking to other people after the fact and looking at some of their lease promotions, it seems like I’m overpaying by quite a lot. For example, a Honda Accord, which is a whole step up in terms of the model, is currently $0 down and $229/month for 36 months (With a credit score of 740). I’m now nervous that since I started out with this high rate that it’ll be difficult to go back down to a fair rate. I know I want another Civic. I love the car and its been very reliable. Are there any strategies I should use when going into the dealership? I’ve heard of people getting their own auto loan prepared before even going to the dealership, but I don’t know if that will work for a lease. Also, as a side question, I was wondering if it’s normal for the lease holder to be “responsible for repairs,” which is what the fine print says on the promotion I’m looking at. I was under the impression one of the main benefits of leasing is if something goes wrong with the car, it’s covered. I don’t know if this is a new thing or if it’s always been that way. Thanks! Edit: I should also mention my current FICO score is 754. Sent from my iPhone using Tapatalk
  4. No, it's not crazy. It's how things work. As you should be aware of since you spent years rebuilding. You’re right. I just meant I was surprised that there was no kind of grace period. I usually pay all of my cards in full every month, so I’ve never even needed to even think of using any kind of grace period. Sent from my iPhone using Tapatalk
  5. I've had an American Express charge card (green card) for a couple of years now. The first year was free, so I figured why not. It has good benefits, but is pretty mediocre when it comes to cash back. I've literally used my AMEX twice in 2 years. I paid a $99 annual fee last year. My third year is approaching and I really don't see the benefit of paying $99 for a card I don't use. I have plenty of available credit between my 4 credit cards (about $40K). AMEX's credit card (everyday card) looks good in terms of cash back, plus there's no annual fee and I believe it offers most of the same benefits as the green card. However, a couple of people told me that the AMEX charge card is a big boost to your overall credit. I don't know if it's a credit-nerd urban legend or what. I know that getting a new AMEX credit card will hurt my credit score temporarily, but it might be worth it, especially if I can save $99. Either way, I figured I would get an answer here. Thanks!
  6. It was due on 1/21/2018. I made the payment today, 1/25/2018 via the app. I know. The funny thing is this is the card I first got when I started rebuilding my credit. It has a $500 credit limit (my other cards all have $10,000+ credit limits with no annual fees). Whenever I call to cancel the card (because of the annual fee), they tell me they’ll waive so I figure why not. In fact, last year they told me I wouldn’t have to pay the annual fee anymore. But when I talked to Capital One today, they said they didn’t have a record of that. Sent from my iPhone using Tapatalk A payment isn't late for credit reporting purposes until 30 days after the due date. You should consider setting up autopay for the full statement balance. Call the EO and get this switched to a no-AF card. Thank you for the information! Let me ask you this, if I cancel my card or switch to a non-AF Card with Capital One (I already have a non-AF Card with them, but I’ll look into another one), is there any way I can get my annual fee back? The fee is for the year... if my year only started a few days ago, I wonder if they would refund me... any opinion? Sent from my iPhone using Tapatalk
  7. It was due on 1/21/2018. I made the payment today, 1/25/2018 via the app. I know. The funny thing is this is the card I first got when I started rebuilding my credit. It has a $500 credit limit (my other cards all have $10,000+ credit limits with no annual fees). Whenever I call to cancel the card (because of the annual fee), they tell me they’ll waive so I figure why not. In fact, last year they told me I wouldn’t have to pay the annual fee anymore. But when I talked to Capital One today, they said they didn’t have a record of that. Sent from my iPhone using Tapatalk
  8. I have two Capital One cards. One I use all the time, the other I never use. I’ve had them for years and have never missed a payment (almost always pay it off in full every month). I received an email from Capital One this morning saying my payment was overdue. I freaked out, checked it out, and it turned out to be a membership fee (plus a late charge). I called Capital One. The person I spoke with took the late charge off my account. I asked him if this will still affect my credit. He didn’t know. He checked with someone and said it would. He said after 3 days, it’s automatically reported to the credit bureaus. I was/am freaking out. He gave me some line that was supposed to reassure me, saying I can call the credit bureaus for more information. [emoji55] What are my options? I didn’t call Capital One during business hours, so maybe I didn’t get someone on the line with the authority to do anything. Please help. I’ve worked for years to build my credit back up. It seems crazy that one slip like this can tarnish my perfect payment history... Sent from my iPhone using Tapatalk
  9. I'm looking for good, reputable resources to help find a non-profit counseling service in her area. I used one website NFCC, which connected me with some member agency. The agency's website looked kind of suspect. It claimed to be the #1 agency in America. Their site's copyright hasn't been updated since 2016 which didn't give me a positive feeling. What's her best option? She's in a lot of debt, most of her credit cards are maxed out. Oddly enough, she has never missed a payment for any of her bills. Ever. She's had some setbacks and is trying to keep her head above water but it's not working. She needs a plan. Is there a particular service or reputable site that lists approved agencies? Any other advice you can recommend? I feel terrible about all of this. She lived most of her life with incredible credit. Always on top of her bills, etc. She had some personal setbacks and now works two jobs to barely make ends meet. She's 55 and is on her own. Thanks for taking the time to read my post. Sent from my iPhone using Tapatalk
  10. A few years ago when I started rebuilding my credit, I got a Bank of America secured credit card (with a $300 deposit). My credit has gotten significantly better. I have 4 other major, unsecured credit cards with much better benefits. As a result, I simply don't use my Bank of America secured card anymore. I haven't used the care in over a year. I have about $25,000 in available credit between my cards, and have a credit utilization that varies between 3-9%. Will closing this account hurt my credit, even slightly? Thanks for your time and help. Sent from my iPhone using Tapatalk
  11. I was recently pre-qualified for a Discover It credit card. All of the benefits are extremely competitive, especially compared to some of my other cards. I don't know much about Discover. How are they generally thought of by the consuming public? The only thing I know is that they they're not accepted everywhere like a Visa or MasterCard would be. But what kind of reputation do they have? Thanks for your help. Sent from my iPhone using Tapatalk
  12. That's strange. Over the past month and a half, I've noticed things being dropped from my reports. At first it was the derogatory mark from the student loan default. Then a month later, all of my 5 delinquent marks came off my accounts all together.I got these numbers from multiple sources. I don't know if my state does things different or what, but with the rehabilitation, my score has went from 560 (a year ago) to 727 (as of 2 days ago). Sent from my iPhone using Tapatalk
  13. So, my student loans are out of default and have officially been declared rehabilitated. I guess I was a little mislead when NY's student loan handler told me the default would be wiped from my credit history. I assumed it would completely wipe out all the negatives. I've heard conflicting reports on whether or not Sallie Mae would agree to remove the negatives from my credit reports (delinquencies). Some people said there's no way, other people said they managed to get them to do it. What's your experience? If you got them to remove the negatives, how did you go about it? Sent from my iPhone using Tapatalk
  14. I have a checking account with BofA, and just logged on to check my balance. To my shock, I had a $300 credit to my account. I thought there was some mistake, did some googling, then I thought to check my BofA secured credit card... I now have a $500 credit limit (it was $300, which I deposited). So I guess they upgraded my secured credit card to an unsecured credit card. The weirdest thing is I called them about a month ago and asked if they graduated secured accounts to unsecured. The rep told me they don't do that and that I would have to apply for an unsecured card. I never applied for another card. Was going to wait a few more months. I haven't even had the BofA secured card for a year yet (March will be a year). I'm so confused. This is good news, I just wasn't expecting it. Especially because whenever I read the boards, it almost always "bank of America does not graduate unsecured to secured." I wish they would have upgraded me to a rewards card. I don't want another inquiry on my account; I'm gonna start looking for a car loan soon. Sent from my iPhone using Tapatalk
  15. Thanks for the information. On second glance, I noticed something strange. My Experian score has been jumping, but my TransUnion has remained the same. I'm sure it's just because it's just because of their update methods. Sent from my iPhone using Tapatalk

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