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OmniCamaro

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  1. I searched the site, I promise. This subject really needs to be a PINNED topic! Question: How does one go about getting a hard copy/paper copy of their credit reports (all 3 bureaus) mailed to them? Is there only one way to do it (phone, online, etc)? Paying for it isn't the issue, getting it is. Thanks!
  2. So glad I ditched USAA. They definitely cater to higher income folks (AKA officers), from what I've witnessed. Sent from my iPad using Tapatalk
  3. I actually had a similar issue. Mine was already with a CA and I paid the OC. I had to contact the OC a few times before the CA deleted it but they did delete it. I believe that's one of the first rules in credit repair, pay the OC if at all possible. Sent from my iPad using Tapatalk
  4. I've hawked my credit scores and reports for the past 3 years, weekly at least, and MyFico scores never matched what I would receive from the financial institutions when being denied or gaining credit. The financial institutions scores are ALWAYS lower than any I could find online or on paper. Its a shady racket. I would say order your scores from the credit reporting agencies directly and go from there. Sent from my iPad using Tapatalk
  5. Send USAA a private message online and let them know you're not happy about the reporting. They did something similar to me, I messaged them, they called me, and they corrected the credit reporting. I was pretty upset about it and let them know that so ymmv. Sent from my iPad using Tapatalk
  6. Just an FYI, if it hasn't been stated here already, all 3 Credit Agencies referenced Lexus Nexus as their source for the BK verification.
  7. How does this effect scoring? I'm assuming a 0 balance has a positive effect? yes just like credit card sweet! Thanks!
  8. Why even post in this thread if you don't have any inclination to help? You have no idea of the situation and I don't want/need to air out my entire life here. Just looking for some advice/help in an area I know nothing about. She's working full time and not on any guberment assistance. You obviously don't have any children you care about.
  9. OK more to update this. Sorry for not putting everything out there to begin with. She's had her federal taxes taken in the past. The plan she's on is to prevent garnishment and taking tax refunds, or so she thought. She has already received her full federal refund for 2016. I'm going to send the folks in the state a letter asking what's going on, in her name of course. Sent from my iPad using Tapatalk has she adjusted her W4 to have as little withheld as possible? Good idea! We'll see what the state says about the debt and go from there.
  10. She's paying the bill. That grown up enough for you? Sent from my iPhone using Tapatalk
  11. OK more to update this. Sorry for not putting everything out there to begin with. She's had her federal taxes taken in the past. The plan she's on is to prevent garnishment and taking tax refunds, or so she thought. She has already received her full federal refund for 2016. I'm going to send the folks in the state a letter asking what's going on, in her name of course. Sent from my iPad using Tapatalk
  12. Oh yeah, she didn't pay them like she should have. No doubt there. Her state "debt" has been paid for over a year, hence the question. I've never dealt with a student loan in my life, no idea what's normal. Sent from my iPad using Tapatalk
  13. If I (she) had all the documents I probably wouldn't even be here, lol. Kids, gotta love em', I guess. Sent from my iPad using Tapatalk
  14. How were your credit reports at that time? Mid 600's with a dismissed BK in 2014. 2 vehicle loans last year, a low limit cap one cc, and a NFCU secured for about 18 months. Sent from my iPad using Tapatalk

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