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  1. I doubt understand your question. Why would a credit card company contact a merchant to get information on you? Do the credit card companies feel like that have your correct contact information? Have you been in contact with them? Once the merchant transaction clears and as long as there is no dispute or chargeback with the merchant, the merchant is out of the picture. What are your real concerns? Sent from my SM-N950U using Tapatalk
  2. You have a very good friend. For deals like this I would personally charge you around 10% to 15%. I would really have to trust you though. Remember, his interest or return is more related to your ability to repay the loan. He is basically lending you the money directly because he is taking all of the risk. Also, if I were him I would not structure this as an LOC. I would just lend you the money. He is not a bank and like banks LOC's only make money when the funds are used. Also, why not just pay your friend the origination fee? He deserves it. Good luck. Sent from my SM-N950U using Tapatalk
  3. Challenge the balance with each bureau. It should update in about a week. Sent from my SM-N950U using Tapatalk
  4. It looks to me that this article is simply pandering to sympathetic dealers. The reality is that the car buying process is gruesome at best. Where else can you spend this much money and feel so much anxiety? Online is the way to go. Between uber/lift and the new subscription services the current dealer model's days are numbered. Sent from my SM-N950U using Tapatalk
  5. It depends on the total amounts owed to all creditors, but I would still consider bankruptcy. I'm not sure if I completely understand your numbers that are related to the IRS but is sounds like you say that if you go bk now, you will still own the IRS $17k. Is this correct? Sent from my SM-N950U using Tapatalk
  6. You are being too hard on yourself. Be grateful for what you have accomplished. Your discover victory is huge btw. Don't ever compare yourself to anyone because you are not them and they are not you. And remember, these boards contain some exceptional credit gurus who have lines of credit that are amazing. Most people don't walk around with more than $50k unsecured in total credit. We have people on these boards that regularly boast of having hundreds of thousands of dollars in credit lines. I believe them because before the crash in 2009 I had over a million dollars in business credit lines and the same in personal credit lines. BTW, using credit really makes us slaves to the system. I learned that the hard way. Now I've rebounded and I have partnered with a law firm to help people through tragic credit situations. Regarding your situation, once you get that last negative off of your credit you will see more love from the banks. Because I know that the banks are inching to give you credit. That's how they make money. They are even changing the rules constantly so that they can find creative ways to lend you money. That is a fact. Again, be grateful for what you have accomplished. Use credit sparingly and only to produce income (job, business etc.). You are doing well. Congratulations on you recent victories[emoji4] Sent from my SM-N950U using Tapatalk
  7. This is turning into an episode of "Judge Judy". Just because they rubbed you the wrong way doesn't mean that they aren't entitle to placing a lien on the title. Do what you want to do but if you were in their situation you would want the title. Sent from my SM-N950U using Tapatalk
  8. I would go ahead and send them the title assuming you are authorized to do so. Sent from my SM-N950U using Tapatalk
  9. Awesome.! Sent from my SM-N950U using Tapatalk
  10. First of all, tell her to put all of your cards on some sort of auto pay so that she won't miss minimum payments. A good will letter may work for navyfed. I would make sure she pays them early the month she sends the GW letter. A more important issue is that she may be over her head in debt. If she is willing, I would counsel her on how insidious debt is and how our system makes money on people with low credit scores. Good luck. Sent from my SM-N950U using Tapatalk
  11. The fact that the money was stolen, while unfortunate, has nothing to do with her owning the money. It sounds to me like the statue of limitations argument is one you can win. However, my gut is sensing that she received a judgement a long time ago and the notice of service you are referencing was related to the garnishment. Lawyers doubt usually sue for debts that old. Good luck either way and remember if it turns out the debt is owed try to negotiate a discount/payment plan or consider a chapter 7. Sent from my SM-N950U using Tapatalk
  12. Congrats and I like your list of rules[emoji1303] Sent from my SM-N950U using Tapatalk
  13. Stay positive Stellarcredit. We are not here to judge and keep grinding. Be aggressive with repairing your credit. Sent from my SM-N950U using Tapatalk
  14. It is all a way for the government to collect as many fees as possible from you. I like the 401k but paying a fee for not repaying a loan to yourself is crazy. So, you are correct and questioning this this withdrawal fee is not crazy Sent from my SM-N950U using Tapatalk
  15. Have you tried the basic DV letters yet? If they are small collections they may feel like its not worth the effort. Good luck either way. Sent from my SM-N950U using Tapatalk

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