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creditmaze

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  1. creditmaze

    The Dining and Food Thread

    Thank you! I will watch it.
  2. creditmaze

    How determined were you to clean your credit?

    I even met with a good consumer attorney and he brought another attorney into the room to show the illegalness of the situation. He helped me with the verbage on the written letter. With that said, he said it was a 50-50 chance TU would remove it. He suggested suing the CA if it came back verified. I believe I would win but I can not afford the added income tax implications of attorney fees add to our gross household income. Hopefully My Chat can help me do this on my own or I could sue the CA in small claims court...I guess. I really do not want to win $ in small claims; I just want it removed off my report. I have never been to small claims court and I fear I would screw things up since I am inexperienced.
  3. creditmaze

    Attacking Debt

    I will try that moving forward.
  4. creditmaze

    How determined were you to clean your credit?

    I have not disputed with the collection agency yet. I plan on doing that after I am settled into my new job. I get too upset with the disputing process out comes and I need full calm attention on my new job. I did not receive a new copy of my TU cr after the last dispute I did in writing. I only rec'd the neg as verified. However, Credit Karma shows disputed by consumer.
  5. creditmaze

    How determined were you to clean your credit?

    The item aged off my report without any action on my part back in 2017. It came back on my cr this summer with a different collection agency. I disputed the reinsertion over the phone with TU as being too old. It came back verified and the new collection agency almost doubled the amount. A few weeks later I disputed it again with TU via US mail and included in the dispute an old 2015 TU cr showing the collection would age off my cr 2017. I also included a 30-day late statement dated 7/2006 by the original creditor. It again came back verified. The DOFD is July 2006 which I submitted as proof and no other payments were made. We moved in 2007 and have lived in the same residence since. I have never rec'd any pho calls or mail from the collector.
  6. creditmaze

    How determined were you to clean your credit?

    over 12 years.
  7. creditmaze

    The Dining and Food Thread

    The directions said to clean with with warm soapy water by hand and towel dry very well. I put a small bit of cooking oil on it afterwards. Does the salt prevent rust?
  8. creditmaze

    Master Grocery Stores 2 Pts or More Thread

    I am looking for examples of stores that categorize as groceries for rewards such as Discover, Chase Freedom, Amex Blue , Amex Everyday, etc. Example: I googled Smart and Final groceries and in the "about Smart and Final" tab it mentioned it started like a wholesale warehouse without charging a membership fee. So if they code transactions as warehouse I would only earn 1 point spend on my cc.
  9. That is great but I am skeptical that utility companies will participate in submitting positive payments. The ones who usually report, only report negative info.
  10. creditmaze

    How determined were you to clean your credit?

    Well I blew it and disputed over the phone with TU on an old acct that was reinserted on my cr this year with DOFD being mid 2006. I followed up with paper statement proof with TU and it was still verified. It's still on my report and is updated monthly. I will tackle it again with hopefully My Chat.
  11. creditmaze

    The Dining and Food Thread

    Success. Now it's time to clean up and properly clean the cast iron skillet.
  12. creditmaze

    Master Grocery Stores 2 Pts or More Thread

    Amex Everyday Card 2 Points: Smart and Final.
  13. Please add to this thread of grocery stores that earn the maximum amount of grocery spend points. This thread is for all category rewards cards so please also list your rewards card. I have the Amex Everyday Card. If a grocery store is coded by the merchant as a warehouse or club store like Target, Costco or Walmart it will only earn 1 point. The challenge is determining how the stores code and apparenting Amex doesn't control that so they don't provide a comprehensive list. You just have to make a small purchase like I did at Smart and Final and wait to see if you earned only 1 point or more. This thread is not meant for 2 point all spend rewards cards. I'll start below.
  14. creditmaze

    The Dining and Food Thread

    6pm but this is my first time cooking an expensive steak and using a cast iron skillet. I'll let you know how I faired. 😉

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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