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  1. Ignore it. They are bot auto contacts. I get the same emails from CITI on my BB account and it was annoying me too until I saw one phrase in all of them: "if you have already made a payment please ignore this email/text/whatever".
  2. 1. Of course. VA loans don't require any money down but you have to have served in the military and can't have a dishonorable discharge. 2. Yes but that doesn't mean it is always a good idea. 3. Making a major purchase that requires financing IS leveraging your credit. Be very careful about financing a home to turn it in to a rental property. Especially in Hawaii. With the covidiocy and the numbers of renters who are flat out refusing to pay as the moratoriums keep getting extended you could quickly lose the property if you end up with a bad renter who
  3. 1. Possibly. 2. If you negotiate that they don't report ever prior to paying: no. If you pay first and don't negotiate not reporting or deletion if it has already reported then it likely stays. The key is to get the terms agreed upon prior to paying. Once you pay you lose leverage. As for settling: debts tend to rear their head and bite you in the credit behind at the worst possible moment. If you can settle this for a satisfactory amount and no credit reporting it is best to take care of it now.
  4. When it comes to medical debt the bill is in the name of the patient except when the patient is a minor. Health care would be a marital responsibility legally meaning both spouses are responsible for the debt. The difficult part is regardless of what HE agreed to the lab or medical provider is not a party to that agreement even if the court ordered him to pay as part of the divorce decree. This is why couples who are divorcing need to make every move to protect their credit as best they can on the chance the spouse does not do as they are supposed to. Did he sign the financial g
  5. I just stayed at a Hilton Curio Collection hotel recently and went back and looked at the folio: no charge for the credit card use. It doesn't seem right that to book the room you have to give a credit card to hold it but then they want to charge you the fee for doing as they demanded.
  6. I am a little late to the discussion but when I bought a new sofa and dining table back in March I was charged for the entire purchase. The sofa was in stock and delivered a week later. The dining table? I was told to expect delivery around May 17th. Then it got pushed to the 31st. Ultimately after another delay it arrived on June 4th right before I was ready to simply cancel that purchase and get a refund due to the delays. I don't know whether it is "legal" but it certainly is common to charge up front when it comes to furniture.
  7. I am in health care and we have never been allowed that either but sure took a huge blame for all the rules put in place even if we had no role in it. SIGH I do agree that the service has gone way down in many industries. There are at least 3 favorite restaurants here in Vegas that I stopped going to because the costs just wasn't worth the poor quality and service. I did my best to keep local businesses afloat despite Swizzlestick and his mandates but when you aren't getting the basics of what you are paying for in a meal combined with a nasty server it just isn't worth it.
  8. First and foremost you need to protect your health and that letter isn't going to do it. That letter will escalate how fast these creditors sue you. It reeks of cut and paste from the internet and those almost never work. A carefully worded letter outlining your personal situation and the settlement offer is all that is needed. Empty threats, demands for all terms are not needed. A simple "after 2 years of health problems and a contested divorce I am regaining financial health as well as physical health. I would like to settle this account and at this time am able to offer (lump sum amou
  9. Many consumers are now paying more than the minimum and that has led to come creditors asking at the time of payment how you want the excess funds applied: reduced next payment or to principal. Eventually I think all creditors will have this option. Either way it really doesn't matter if you are going to pay more than the minimum each time. Over all you are reducing the principal and interest in the end. US Bank now holds my mortgage and my payment is SO low that I pay more than the minimum every month. It does ask if I want it on principal or payment. I do choose principal. What makes
  10. That is why the creditors are ignoring it. ANY late payments and status prior to your entering into a payment arrangement can remain. They are accurate. What they cannot do under the Act is continue to escalate the "late" status once you did enter into a payment arrangement. So if an account was 60 days late when you made the arrangement under the Act it stays that way. They do not have to remove it but they cannot update the reporting to current timelines i.e. 60/90/120 days late. Which creditors are you specifically dealing with? Some are more rigid than others.
  11. You are fighting a losing battle. The CARES Act specifically required the tenets of the Act be applied to agreements entered into from 1/31/2020 up to 120 days after 3/27/2020 or the end of the "emergency" ending. It does not state they have to change any information that is accurate prior to entering into a payment agreement. NOTHING about the law requires they retroactively apply it and I know of no creditors that did apply it prior to it taking effect. The FTC website has a FAQ section that clearly states that creditors must report accurately including that the account(s) were in good
  12. Unfortunately you are going to have to take care of problem 1 before any serious momentum can be created on #2 The Rebuild. The negatives are weighing you down far more. Cap1 has been extremely tight with CLI since the debacle of 2020 and that may not change any time soon. It is what it is. Concentrate on the best way to clean up the debt mess while keeping current accounts in good standing and the rebuild will happen. Probably not at the speed you would prefer but at least not glacially slow either.
  13. When you left the USA for over seas duty that tolled (paused) the SOL on the debts. So using generic numbers as an example: if a consumer defaulted on a debt in 6/2015 and the SOL is 5 years that means in 6/2020 the courts are no longer an option or at least they have a SOL defense if a case is filed. In your situation when you left the jurisdiction of the SOL for 3 years the SOL stopped running and didn't restart until you returned. It extends the amount of time they have to pursue litigation. You need to read the Soldiers and Sailors Relief Act to determine exactly how your debts are af
  14. The bolded statements tell me this is likely a close family member that did this knowing full well that they could exploit the guilt to keep you from pursuing this. If you are not going to pursue it including potential prosecution then there is no reliable legal method to simply remove the information. By not pursuing it you essentially are saying you are accepting responsibility.
  15. When you discovered the identity theft did you immediately file police report(s), a FACTA identity theft report and freeze your credit reports? You need to be aggressive in reporting this theft. Once you file with the police and FTC the fraudulent trade lines should be removed. You can then send them to your former creditors and see about restoring your good reputation with them and making sure they know that you were a victim as well.
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