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AnnaSunshine

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  1. AnnaSunshine

    AnnaSunshine's Credit Repair Thread

    Thanks CV and tralston. Got confused with my threads open in two windows and posted before in wrong one to update in general, though it affects the SL too. Copying that from SL forum to here for progress report. On other bright news, I got a pre-approved offer from NFCU in the mail, and so I figured why not, as I could use a 3rd card to start building up time, and wow! Approved on their Cash Rewards Visa for 7900!!! Beyond shocked to say the least, but that's 3 steady ones to keep reporting and growing. 1. CapOne Platinum: $500 limit 2. Discover IT: $700 limit 3. NFCU CR: $7900 limit Still listed as an AU on a 2.5 year old Chase card with $5000 limit. The FAKO from CK is up to a 669 on both though, so I'm quite happy about that, and as these accounts age, I'll get FICO score from them. The 669 is before the NFCU card has started its reporting. Thank you all so much for your help! Will update when paper reports are in for Navi attacks Anna
  2. AnnaSunshine

    Student Loans mid-Rehab

    tralston, Thanks for the encouraging words. I'll keep an eye out for the renewal, because it's been almost a year now from when I started the process with the DoEd. I'll put for new paper reports shortly so that I can get exact wording off of them for the Navis. On other bright news, I got a pre-approved offer from NFCU in the mail, and so I figured why not, as I could use a 3rd card to start building up time, and wow! Approved on their Cash Rewards Visa for 7900!!! Beyond shocked to say the least, but that's 3 steady ones to keep reporting and growing. 1. CapOne Platinum: $500 limit 2. Discover IT: $700 limit 3. NFCU CR: $7900 limit Still listed as an AU on a 2.5 year old Chase card with $5000 limit. The FAKO from CK is up to a 669 on both though, so I'm quite happy about that. And that's before the NFCU card has started its reporting. Thank you all so much for your help! Anna
  3. AnnaSunshine

    Student Loans mid-Rehab

    GL seemed to be already setup with the IBR plan, as my payments are still set to the $5. I sent them a mail to confirm if/when I'll need to reset those. I did manage to get approved for a Discover IT card, even if only a $700 line, that's huge. An actual rewards card! I about fell out my chair when I saw it was approved. Though I hit the wrong color, so it will be lovely pink to remind me that it's not as good as it can be yet. Should I just send a general request on the Navient as duplicate, or? I've read that the "Don't recognize" can lock in a SL, is that the case here?
  4. AnnaSunshine

    Student Loans mid-Rehab

    Hi again, update time. First, tralston3838: Thank you for your message. It's been a trying time, and after pushing through it, the rehab is completed, apparently without any notice to me. It looks like they've been assigned to Great Lakes, but I haven't received anything from them or the DoE. Next payment should be coming due next week, but it's not available to be paid on the DoE's website anymore, so I'll have to call them Monday. CK shows a large consolidated SL now, along with the pile of Navients still there, unfortunately. So...I know I need to contact GL regarding being setup for IBR with them also if I understand correctly. What is the next best step for getting the Navients removed as far as disputing method, since it doesn't seem I was lucky enough for all of them to fall off? As to the SSI update, lawyer has now sent it off to request a hearing, so hopefully that long process is coming to a close, and soon. Thank you all for your patience and help along the way. I think sometimes my kids will be out of high school before this is over.
  5. AnnaSunshine

    AnnaSunshine's Credit Repair Thread

    Just a small update, I got my own CapOne Platinum card with a $300 CL. Not a big card, but a giant step for me to have one of my own that isn't just an AU card. Also sadly not a rewards card, but it is unsecured, so hoping to let it grow for a bit while still working on this rehab process.
  6. AnnaSunshine

    Student Loans mid-Rehab

    I'd actually made my 9th payment (presumably completed rehab) earlier this month, but haven't heard from DoE, so I'll try to give the lady who handled my rehab a call tomorrow if possible and find out what the next step is, because I need to setup in the Income based repayment plans asap to hopefully have the others fall off. I was denied for a CapOne secured, and an IT card...as well as NFCU's secured card, and they pointed to the delinquencies in loans when I spoke to them about it. My local CU said they go off EX's FICO 08, and needs a minimum 620 for their secured card. So it seems like a wait and hope for clearing at this point. I'll try to have patience, because that's about all I can do, haha. Thank you for the insight, tralston3838.
  7. AnnaSunshine

    AnnaSunshine's Credit Repair Thread

    CV, all *my* information's in the thread, so really, there's no point in the semantics, Just because Zanshiro started it for me, stop trying to be a bully. As you can look back all the way to post #17, I've been the one updating and doing this. First you whine about me NOT participating, now you're whining the opposite when I've taken it over. While you've been a great help to many, please stop being so damned bullying to people. It's just not cool...and frustrating to an already frustrating process. https://creditboards.com/forums/index.php?showtopic=596777&p=5659236 A link to post #17 for your reference.
  8. AnnaSunshine

    NELNET (grrrr) Anyone have luck removing old lates?

    @midwesties - Did you have any luck finding out something on this? I pretty much have the same issue, and am undergoing a hunt right now.
  9. AnnaSunshine

    Student Loans mid-Rehab

    TTT
  10. AnnaSunshine

    AnnaSunshine's Credit Repair Thread

    I've already made my threads. First in Medical forums, and now that that's fully cleared up, I also did one in the SL forums, which sadly appears dead; I was advised to put this portion there because that's where most of the SL functions go. But this forum is much more active, guess I'm hoping that someone who knows SLs will advise...doing lots of reading in the meantime to see if I find one where a person had a similar situation, but nothing thus far. The search function hates me.
  11. AnnaSunshine

    Student Loans mid-Rehab

    B^
  12. AnnaSunshine

    Student Loans mid-Rehab

    So I went through WhyChat's methods to clear up all of my credit reports of unknown medical bills, and now just have this left. I'm in the rehab program with 3 months left, but still get denied even secured cards based on the delinquincies showing. The new ones all show closed and delinquent with both Navient and the DoE now. Any advice on getting the old ones removed, as that seems to be the only things on the report, besides two positive AU cards.
  13. AnnaSunshine

    AnnaSunshine's Credit Repair Thread

    Update: Only things showing are student loans and my AU cards. One set of SL is the initial ones with DoE/Navient....all showing closed with $0 balances. Mid-rehab, 3 months left, other set has appeared with full balances showing just DoE (But still showing closed). However, credit score took a big hit with the new ones' appearance, as they were up (on CCT) to low 600s, and then dropped: Current scores: Experian: 533, TU 527, EQ 567 Two AU credit cards showing - BofA and Chase - I had applied for a secured card with NFCU, but they declined it with reason "Loan ratio to balances too high" so the SLs are likely defeating that. I haven't called for any sort of recon yet, as it says I have to receive the letter in the mail. One factor all 3 list on CCT is "No credit card activity" but both those cards are used, and even allowed to report small balances for the purposes of boosting my score, so I'm not sure of that, unless it's just CCT is unreliable for such factors. What should my next step be? I'm guessing to get the old 120 day later set of SLs off, which I'm hoping will happen with the plan. Is there a solid card I can get to add to my only-AU list? Nothing's coming in as far as pre-selected offers yet.

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