Jump to content


  • Content Count

  • Joined

  • Last visited

Recent Profile Visitors

199 profile views
  1. I have the email addresses of the CEO, COO, SVP of Risk at Genesis-FS (the card issuer). I wonder if I emailed one or all of them a GW letter and plead for mercy? It DID work with my charged-off Cred1 accounts almost immediately. Thoughts?
  2. Thanks. I'm shooting for 700 by this time next year. I just wish I could remove some of these closed/CO accounts like the one I mentioned earlier.
  3. If it helps, in the 'Comments' section on my Experian regarding this acct, it says 'Transferred to another lender or claim purchased'. No other CA or any JDB has contacted me about this at all, and isn't in collections. If Milestone lists this as 'Closed' and '$0' balance/past due, can they still update monthly with 'Fail to Pay'?
  4. I tried to post a screenshot from my Experian report, but guess I can't. Anyway, here is what it says: Account Status: Closed Status Updated: May 1, 2016 Balance: --- Balance Updated: Mar 1, 2017 The first 30 day negative was Nov 2015 Then, 60 on Dec 2015, 90 Jan 2016, 120 Feb 2016, 120 Mar 2016, 120 on Apr 2016...then 'On Time' from May 2016 until the last 'status' of On Time on Mar 2017
  5. It has been a while since I last posted, and I appreciate all the help and advice. Over the summer, we got my wife a 2015 Rogue AWD via Capital One Auto, also got CLI on my Cap1 from $300 to $500 (I know, not a HUGE increase). Biggest surprise was when my Discover IT secure card ($300) sent me back my deposit AND increased my limit to $2000! I have been keeping all my limits low, and am still 'cleaning' up my reports. One item I have that I would like removed is a 'closed' account (not charged-off) of Milestone credit card. They aren't showing a balance. Last status update was May 1, 2016, with balance updated March 1, 2017. Funny thing is, from May 2016 through March 2017, it all shows 'On Time' on my official Experian report. The last 'negative' was Apr 2016 with 120 days late. So, without rocking the boat and have them start updating negative status each month, what would be the best way to get rid of this account off my reports? From the DOFD, this 'should' fall off in 2022 but would like it gone earlier if possible. Thanks for any help or info.
  6. Credit Application: Your Age? 46 Your Equifax Credit Score? 616 Your Experian Credit Score? 622 Your TransUnion Credit Score? 638 How many years have you been on file with Equifax? 28 How many years have you been on file with Experian? 28 How many years have you been on file with TransUnion? 28 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes - 36 month loan auto, 36 month motorcycle (both never late) Will this open auto loan be a trade-in? Maybe on 36 month loan How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? OneMain Your current open auto loan payment is? $315 Estimated amount you may be upside down in this vehicle? $6500 Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 4 Total percentage utilized overall? 42% How many of your revolving accounts are store cards? 0 (does PayPal SmartConnect count? If so, then 1 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1 YOUR PERSONAL INFORMATION How long at your current residence? 15 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? $760 ($120 is escrow) How long have you held your current job? 18 years Your total provable monthly gross income is? $5723 (mine), $1790 (wife) Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystub Is there additional monthly income? What amount monthly? No Describe the source. Is the additional monthly income provable? No Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $0 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. CH7 BK 2009 Does any credit repository contain any Collection Account(s)? Yes - Currently 3 medical collection on all three (less than $170 each collection), 2 PRA on all 3. If yes, please very briefly describe. 1 PRA is SOL ($3800), other PRA is $708 Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8 Trying to get approval for 2018 Rogue AWD S for $22000. Possible trade-in of 2011 Chevy Cruze.
  7. Any thoughts? FP (not the CA) responded to my DV, in which I also included that "If credit card agreement provides for arbitration, I elect arbitration to settle FP and (name of CA) claims against me." Nothing was mentioned in the DV response by FP, so should I go ahead and file AAA or just let it be? I don't want the CA to start reporting it, and maybe I can get FP to delete the charge-off tradeline. Thanks
  8. Well, following the long, drawn-out Midland/Cred1 AAA arbitration (I 'won' as it was dropped by Midland prior to in-person hearing), I want to file arb with First Premier (card agreement says AAA). Total 'owed' is $799 but it isn't reported in Collections yet on any of my CRs; I received a letter from a CA about this. Haven't sent a DV yet (which I plan to, in order to buy time). Not sure my mistake was with filing Midland and arbitration to prolong that case (several phone conferences with their lawyer and arb judge...it was driving me nuts), but I want to avoid it this time. Should I not DV them and just file AAA arb? I think I DV'd Midland, and then filed AAA as I assumed that was correct but am not sure now after that 'fiasco'. I did some Googling and some other credit forums said that FP will fold once served with AAA paperwork and several people said they got a letter from FP saying that they are no longer collecting due to possible Identity theft and removed all entries from CRs (none of them claimed ID theft). So, DV, wait for FP/CA to return any verification, then file arb, or just go ahead and file AAA arb? Just looking for advice on this. I am slowly gaining traction with my scores and am surprise on my progress so far 😉 Thanks so much. I do appreciate it all.
  9. Today I asked arb administrator if fees were paid, and he replied that they have paid their fees to-date. So much for them not going through arb for something that is less than $1000
  10. Wasn't as bad as I thought. Arb judge wants another phone hearing next week.
  11. I'll message you. It's not over.
  12. Thanks, LE. I just hope I'm not the first to be dinged. I really was hoping they would go away during the initial filing. Gonna be an interesting call on Friday, that's for sure.
  13. Here is what I am worried about, especially and c) of the card agreement: Each party will bear the expense of that party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should recover any or all expenses from another party, ( the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and © the arbitrator may assess attorneys’ fees and costs against a party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration proceedings unreasonably or vexatiously.
  14. Can’t you ask if they were paid? Sent from my iPhone using Tapatalk I did email the administrator last night after his email with the preliminary hearing time and phone number to ask if there were any fees or costs 'I' needed to provide prior to next Friday...I did that to see if I could get a response back saying if everything was taken care of or not. Haven't heard anything back yet. Sigh!

About Us

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.
  • Create New...

Important Information