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DeterminedinNC

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  1. I added my daughter to two of my cards (a Cap1 and Walmart card) as an AU as soon as she turned 18 this past June..she’s a freshman in college...an application came for a Discover IT student card a couple of weeks ago and she was approved for $500..I signed up for CreditCheckTotal for her to check her scores and they are all over 760 now!! Sent from my iPhone using Tapatalk
  2. I haven't posted in a while but I had to stop by and give credit where it's due..When I found CB back in Aug 2015 my credit was a MESS!!! After staying up late hours reading post after post and following the advise and processes here I am happy to announce that my husband and I closed on our DREAM home on Thursday!!!! It took 2 years and 2 months to go from 500s FICO scores across the board and several baddies to being approved for a mortgage.....Even when I wasn't actively posting here, I was applying EVERYTHING I've learned and pushing forward!!! I can only hope that this will inspire someone who is at the beginning of their journey...it may seem impossible now, but with discipline and dedication it can be done!!!! Now the mission is to continue to build our credit portfolio and letting our cards to earn us money!!! Thanks so much for everything Creditboards!!!! You all rock!!! Links to my credit journey https://creditboards.com/forums/index.php?showtopic=547317 https://creditboards.com/forums/index.php?showtopic=580476&hl=
  3. How so steelers1? Do you mean just having it as a safety net? I'm an independent contractor and I want to be using my accounts in a way that benefits me best....
  4. If you do this, what would happen it you have already paid the balance? Would it autopay 0? I like the idea of having a safeguard in place for cards just in case you forget a payment date
  5. So I called Experian and had the rep look at my report, and compare it to December 2nd when the OC inserted the bad info and December 9th when they removed it after my CFPB complaint. Then I had him look at December 31st when they reinserted the bad information again. I also read to him the response to the CFPB complaint from the OC where they blamed Experian...He seemed to kinda be in disbelief and he kept putting me on hold but he would check and thank me for my patience..he said he an analyst looking at it also. He came back and said they had changed the DOFD and added 3 years to how long the TL should be on my reports..I told him I knew that..he said "they can't do that" I wanted to yell I KNOW, but I was very polite and let him process it all...he finally said that he was submitting a dispute to them and he was updating the notes on the TL to reflect what he had found when researching the trade line. I was hoping he would just say screw it and delete but I knew that was a long shot..hopefully the OC will correct it and leave it alone..I'm waiting to hear back from the attorney also to see if she thinks I have a case to sue since they seems to be deliberately doing this. I'll keep this post updated just in case in the future someone else has a similar issue.
  6. so I have a 17 year old who will be 18 in June...i should add her now?
  7. I'm sooooooo close to having only student loan lates as baddies..I know I have to wait those out and I won't be truly clean until they fall off but I want to at least get to the point where those are the only negatives I have, but I need help with the situation below.... Long story short I have a CO trade line and the OC is updating the payment history and making it appear as a new CO. They added several months of "pays as agrees then a new 30, 60, 90, CO...this also changes the date the TL should fall off my report so it basically re-ages it. It also changes the time since last late payment from 18 months to 1 month. I lost 28 points on Experian when it happened in December..I filed a CFPB complaint and they fixed it and I got the 28 points back. This month they reinserted the same information again and I lost 23 points and again it added 3 years to the date it should fall off..this is only happening with Experian....in their response to the CFPB, the OC blamed it on Experian and asked for 60 more days to investigate why they were charging me interest by not sending me statements (I mentioned that in my complaint also) so as of now, I have to wait the 60 days... I called CFPB after it happened again this month and they told me to open a complaint against Experian for reporting inaccurate information...I haven't done that yet as I'm contemplating my next move...I feel like this account must be set to update with that bad info monthly but how can I avoid having to fight to have it corrected monthly?...is there a way to play the OC and EX against each other since I have written proof that the OC blames EX for it? Do you think Experian would just delete it since the OC says it's their fault? If they did delete it would it just reappear the next month? Should I consult an attorney about it? Help please!! The other two are collections where I paid the OC instead of the CA and they are not deleting them...I think I have one on the ropes and the other is ignoring me..lol..I have a consult scheduled with an attorney...I'm hoping a letter from the attorney will make them decide it's not worth the battle...I've discussed one in pinned post about paying the OC so I won't rehash it here.... Thanks in advance to anyone who offers advice!! CB rocks!!!!!
  8. My scores were similar a year ago....Do a secured card with them....I did one with $500..I used and PIF monthly and after the 13th statement they graduated it to unsecured and changed the limit to $2000. I did a CLI and they made it $5000. A month or so later I app'd for a 2nd card and I was approved for 24K and a 15K CLOC at the same time.
  9. yes..I'm waiting for a reply from them... 10 days are probably up, they are waiting to hear from your attorney It hasn't been 10 days from when I sent it but I have 2 phone consults set up with attorneys on Tuesday...
  10. Just app'd for my husband..he has 680 with 0 baddies and perfect payment history across the board on EX but high UTIL...he also had 0 inquiries on EX so I thought it was worth a try if the product could be changed to a better Chase card in the future...I got the 30 day message....I'll report the results....
  11. curious to see how it works out because I am in a similar situation
  12. the OC could have forwarded your payment to them and they could have processed it that way? did you get a written receipt from the OC? YES! A reciept and they sent me a letter stating I paid them with the date on letterhead after I told them the CA wouldn't delete. I think the CA is just being an flowers so I may have to pay an attorney to send a letter....
  13. I agree with the attorney angle... I just researched a few in my state who deal in consumer and credit reporting law. I plan on calling them tomorrow.
  14. Thanks for responding..I'm just seeing this! The part I called fraudulent was the CA making a receipt on their letterhead of the payment made and they sent it to me. Of course it didn't have a payment method or anything on it because I didn't pay them....I will reply using your template and report back!!! Thanks for the help!!!

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