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londonena

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About londonena

  • Birthday 01/01/1970
  1. Update, I sent the letter out to the Credit Bureau and the JDB. What way should I look into as to get the item removed from the OC as it is reporting twice once from the JDB and once from the OC. If I ask the OC to remove it will they usually do so?
  2. Letter sent. I hope to see how it goes. I sent one to the address listed on the report which is P.O. Box 8218, Mason, OH 45040- 8218. I will look at finding an executive sometime before Friday . Sorry I am sorry tired and have so much to do.
  3. You could just call and received a letter with a similar name as yours at your adress. I am pretty sure you do not have to beg I wouldn't I would just call say the name of the letter and ask if they need me to mail it out or throw it in the trash because that's where it's going unless told otherwise. Or you could do as above and say return to sender.
  4. Anyways if I wrong then at least i have been corrected which helps me out. So thank you I guess.
  5. I've had my FICO 08 over 800 with nothing but credit cards. It will be over 800 again by the end of the year, and I'll still have nothing but credit cards. You only need credit cards. If an installment loan makes sense for someone, as a financial product, then get one. Do NOT get any loan, and pay interest, just to get another credit line reporting. You account is also building interest over time as it is a savings account. Don't know how much that accounts into since I do not know much about it. Just wanted to point that out. By the way aren't you going to be paying interest rate on a card somehow at one point in time. I mean if you are actually using that card. Are you familiar with the terms "grace period" and "pay in full"? If you're using a credit card for regular spending and paying interest......you're doing it wrong.Oh no of course I have. I just remember reading somewhere that some utilization ratio is better than none.
  6. I've had my FICO 08 over 800 with nothing but credit cards. It will be over 800 again by the end of the year, and I'll still have nothing but credit cards. You only need credit cards. If an installment loan makes sense for someone, as a financial product, then get one. Do NOT get any loan, and pay interest, just to get another credit line reporting. You account is also building interest over time as it is a savings account. Don't know how much that accounts into since I do not know much about it. Just wanted to point that out. By the way aren't you going to be paying interest rate on a card somehow at one point in time. I mean if you are actually using that card. Savings accounts are not part of credit reports. This CD'S is.
  7. I've had my FICO 08 over 800 with nothing but credit cards. It will be over 800 again by the end of the year, and I'll still have nothing but credit cards. You only need credit cards. If an installment loan makes sense for someone, as a financial product, then get one. Do NOT get any loan, and pay interest, just to get another credit line reporting. You account is also building interest over time as it is a savings account. Don't know how much that accounts into since I do not know much about it. Just wanted to point that out. By the way aren't you going to be paying interest rate on a card somehow at one point in time. I mean if you are actually using that card.
  8. I think both crayons work best with some nice smiles and a sun in there it will always make everyone smile. I guess I just read around that handwritten letters are best. Yes they are still within SOL
  9. I think both crayons work best with some nice smiles and a sun in there it will always make everyone smile. I guess I just read around that handwritten letters are best.
  10. Okay , noted. What about for people with no credit is it still recommended over a secured credit card?
  11. I think you're talking about a secured loan, where a CD is the security/collateral for the loan. Could be, all I know is that it reports as an installment loan, it does not show up as a secured loan. And that you get the money back also.
  12. It is good to have different type of credit reported on your account. Revolving and also loans.
  13. Basically how it works is you pay about $20/month and to pay the $1,000 loan which is a CD that money then builds up interest and you can have it back when you pay it all up. There is like a $2-5/Month
  14. Passbook or CD loans. If you have a certificate of deposit or savings account, your bank may let you use that as collateral for a loan. Some banks will let you borrow 100 percent of the amount in your account. Others will restrict you to 85 percent or 90 percent. You'll pay a small origination fee, plus interest (more than what you're earning on the account). And you won't be allowed to touch the CD or savings account until the loan is repaid. But the loan should show up on your credit record as a secured installment loan, helping you to build credit with your timely payments. This information is even on Credit card dot com I have heard many people doing this in the country and not in just my area. I am surprised that you have not.
  15. Maybe I have the name wrong, and yes my local banks have a credit program for CD'S to build credit that report as a installment loan.

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