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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads


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About KimShea

  • Birthday 12/02/1970

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  1. KimShea

    Synchrony luv button

    I got "unable to grant amount you requested, however..." Good deal.
  2. KimShea

    Letter from Collection Agency on SL

    Only want to reply to this in case someone else searches - been looking into this all day, and this isn't really true. They use what they call the "15% formula" to determine how much they think you can afford. It's something like 15% of your AGI and they somehow factor in the size of your family and what state you live in. They don't actually look at your income or expenses, to figure out what you can "really" afford. However, if you don't feel you can afford the 15% there is a form you can complete to appeal this amount, and that's what I'm going to send them. Not sure they'll allow it as a huge part of our expenses is Butler University for oldest child, who's there as a Freshman. I suspect they won't allow this as an expense since she's 18, but I plan to argue that since she's still a dependent for tax purposes, we should be able to count her expenses. I feel it's a long shot. But it is an accurate representation of our ACTUAL expenses as compared to our income, vs. the 15% deal, which isn't even close. Anyway, wish me luck.
  3. KimShea

    Letter from Collection Agency on SL

    Thank you centex - I did assume since it was with collections it was beyond rehab. It's definitely a federal Stafford loan, and the collection agency is Central Research Associates, which Google says is associated with federal loans. We will see what can be done to enter a payment arrangement ASAP.
  4. KimShea

    Letter from Collection Agency on SL

    Thanks for the info - yes, I'm 100% certain it was a Stafford loan, and the agency is listed. It is Central Research Associates, and I can see the debt and previous payments on the myeddebt.com website, which is through DOE. I think attempting to rehab would be ideal, but it would be nice if we could keep it off his credit reports. Probably least of our concerns though as opposed to a garnishment or tax refund offset. He hates talking on the phone, and I don't want to do it myself, as I'm not sure they'll talk to me first off, and 2nd off I want to keep this debt on just one of our reports - not trying to stick it to him or anything, but it would be helpful if one of us could have a decent credit report if we both can't. If I were to write a letter in response to the one we received and offered a payment arrangement we could afford, do you think that would be helpful? I'm certain with the amount of money they are trying to get from us, that they would determine we could afford much much more than we actually can.
  5. So my husband has an extremely old defaulted student loan. It's old enough it's not reporting anymore. Yesterday he got a letter from a collection agency. They want a LOT of money. 100K. Something like 3/4 of this amount is "fees" and way beyond the amount of the original debt. We so don't have this. What exactly can they do at this point? It was a federal backed student loan, so no SOL, per my understanding. If the worst they can do is garnish or take taxes, so be it. However if they can place liens on property, then we are going to have to work with them to attempt some type of payment plan. I'm assuming since it's with a collection agency, things like rehabbing and such are off the table? And can they report this on his credit reports? DOFD is well past 7 years ago, but since this is a new collection, does that even matter? I feel like every time we start to do better, some old stupidness of ours comes back to slap us down again.
  6. KimShea

    Cap 1 Product Change

    I know Cap 1 is sorta persona non-grata up in here, but it's my oldest card. I have the QS 1 which has an AF. I'd prefer not to pay a fee, but I was just hit with it again for this year. I want to call to see if they'll PC me to either the regular QS or their Platinum MC, which has the exact same rate and cash back, but without the fee. Anyone had recent experience with product changes with Cap1? I'm wondering mostly if I can possibly get that fee refunded if I do the PC. If not, I'll probably leave it alone for another year and try to PC before the next fee hits maybe.
  7. KimShea

    Equifax dispute is making me crazy

    Nope, it hasn't. Live and learn I guess.
  8. KimShea

    Equifax dispute is making me crazy

    But CV, wouldn't an obvious duplicate trade line be a pretty easy dispute normally?? I mean, it's the same amount, same original creditor, same account number... If this was a credit card that was listed twice wouldn't this be no big deal? I didn't think it necessitated a mailed dispute. Clearly I was mistaken. My question though, is what do I put in the letter to get them to understand I'm not disputing the validity of the trade line, but rather that it is duplicated?
  9. KimShea

    Equifax dispute is making me crazy

    They are in fact my last derog. And only showing up on one of the three agencies. I want one gone so I can do whychat's method on the last remaining one. I figured an obvious duplicate trade line would be an easy dispute, hence going ahead and doing it online, and then calling when that didn't work.
  10. So I have this medical collection for $35.00 bucks on my Equifax. I've disputed it three times now, twice online and once over the phone. The issue is that this collection is on my report twice, It is a duplicate. The last dispute I called them and spoke to someone, I asked her does she see that it is a duplicate and understand what I'm saying. She assures me she does. Dispute came back as "we verified this item belongs to you." OMG. I never said it didn't, just that there aren't two of the stupid things. How do I get them to understand what I'm saying? I'm happy to dispute by mail, but what should I say or how to word this so they get that I'm saying it's a duplicate? This one also said "consumer's dispute not specific." Which makes me want to punch someone in the throat.
  11. OK, so I've had a Care Credit account for a couple of years. I was never sent a card, but when I accessed my account via their iPhone app, I was able to click a particular place and it brought up my account number and said to show this simulated card to the place I was trying to use it. I've used it a few times, no problem. So the other day I'm at the orthodontist with my kid, and I can't get into the app - system is down. I call and try to get them to tell me if I can somehow use this account today, since I can't get my number. Lady tells me I have to show them my card. I explain I've never been sent a card and use the app, and she insists this is never done, that they have never given account numbers in their app. Long story short, she offers to send me a new card. Cool. Except suddenly on my credit reports this account is now showing closed with a zero balance and closed because card was lost or stolen. No new account has shown up. I also have always paid bill through the app, so I'm going to have to go online to find payment address and that, as I still have a balance. Shouldn't I have a new account showing up to replace this one? Has my debt been magically erased? LOL! I'm thinking this isn't something I should dispute, but I tried to do an early obsolete dispute with Transunion on an unrelated item and got error I wasn't able to do it online, and wondering if I now got some kind of fraud alert or something as a result of this mix up.
  12. KimShea

    Score drop. Reason?

    So my Experian Fico 8 just dropped 22 points. Nothing has changed really - utilization is a little up from 50 some percent to 60 some percent. This is the main thing I'm working on improving right now, but had something report up higher this month. I have very little credit to start with... total credit limit is a little over $6000, so doesn't take a lot to make this percentage move. Interestingly, Equifax has me up about 18 points on Fico 8 during this same timeframe. You all think this Experian drop is due to the increased utilization? Or could I maybe have been rebucketed?
  13. KimShea

    The Master obsolete delete time frame thread

    I got a paid collection off Equifax today that wasn't due to drop off until 4/2019. I was actually trying to get them to remove a duplicate collection, but tossed this one in the dispute just for the heck of it. They left the two identical $35 medical collections that I was actually trying to get to just one, as they're the same stupid thing, but removed the paid off one. I guess that's one less collection. Now just have the two duplicate ones and no other derogatories left - just lates.
  14. KimShea

    Any free FICO scores?

    Ha! Y'all got me to finally cancel my Score Watch subscription from MyFico. I've had it since 2013, and they don't even offer this product anymore. $14.95 a month - guess I could add it to my Mortgage payment.
  15. KimShea

    AMEX CLI question

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