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  1. The big 3 credit bureaus announced today they will make significant changes to reporting of medical debt. "Beginning in July, the companies will remove medical debt that was paid after it was sent to collections. These debts can stick around on a consumer’s credit report for up to seven years, even if they are paid off. New unpaid medical debts won’t get added to credit reports for a full year after being sent to collections. The firms are also planning to remove unpaid medical debts of less than $500 in the first half of next year. That threshold could rise, according to people familiar with the matter." https://www.wsj.com/articles/most-medical-debts-to-be-removed-from-consumers-credit-reports-11647604803
  2. I filed a cash claim for expenses incurred due to the breach. I just checked the status of my claim on their website, and it says it is under review by the claim administrator.
  3. You may be able to convert this credit card account to a different one at CapOne with a higher limit while keeping the account age. I was in a similar situation a few years ago and they sent me an offer to convert my existing card to a new Quicksilver card with the same account opening date.
  4. I didn't notice the wedding ring until you mentioned it. Married to Christ? Possibly a widow who joined the order after she lost her husband. I don't run into many nuns these days.
  5. They like the fishing vests because of all the pockets.
  6. Apparently you can redeem them online: https://www.americanexpress.com/us/travel/travelers-cheques/
  7. Consent order executed over abusive collection practices. Link to CFPB press release: https://www.consumerfinance.gov/enforcement/actions/yorba-capital-management-llc-and-daniel-portilla-jr/
  8. I've used the tag renewal kiosk at my local Kroger for the past 3 years. Love it! I've never had to wait in line, and it takes about 5 minutes to complete your transaction. They do charge you an extra $3 or so as a convenience fee, but I consider it money well spent.
  9. "The proposal suggest building a publicly run credit reporting agency within the CFPB that would eventually, over the course of seven years, replace the current for-profit credit system in America. The Agency would be steered by consumer need rather than the bottom line, according to proposal author Amy Traub." Article here: https://fortune.com/2020/12/18/biden-public-credit-agency-economic-justice-personal-finance-racism-credit-scores-equifax-transuion-experian-cfpb/?xid=soc_socialflow_twitter_FORTUNE&utm_campaign=fortunemagazine&utm_source=twitter.com&utm_medium=social Proposal site here: https://www.demos.org/sites/default/files/2019-03/Credit Report_Full.pdf
  10. I usually see a difference of about 25 points between my FICO and Vantage scores. The FICO scores tend to be about 25 points higher over the past 5 years or so. I think more institutions are starting to use the Vantage scores, and it's usually easier to obtain free Vantage scores than FICO scores, so they're not totally useless. I look at my Vantage scores as an indicator for my FICO scores. If your Vantage scores are steady, then your FICO scores are likely also steady. If your Vantage scores are trending upward, then your FICO scores are likely also trending upward proportionally. And over the past 5 years that I've been comparing the two, my Vantage scores are pretty consistently about 25 points lower than the FICO 8 scores.
  11. Using the card at the same service station or convenience store twice in one day will usually get the card locked down fast, especially if the first transaction is a small amount of $2.00 or less. I guess it's a tactic used by card thieves and cloners to test cards to see if they're still viable.
  12. If you received your tax refund by direct deposit into your bank account last year, they simply deposit your stimulus check into your account electronically. I think some banks are seizing those deposits before the account holders can access them and applying the amount to past due accounts.
  13. I would also try contacting Lead Bank/Helix Financial to inquire about their records on the status of your old loan/account. Confirm whether their records show your account paid in full and closed, or not. This could be a case of computer glitch or transposition of account numbers or something that got your identity mixed up with someone else's delinquent account.
  14. I don't know anyone personally with Apple Card limits that high. I've seen a few people on Reddit posting that their limits are 40k, and one that posted his limit was 82k, but I'm not sure I believe him. Most of my cards have limits between 20-30K, and my scores are in the low 800s with 100% on-time payment history and utilization under 10% and my initial credit line on the Apple Card was only 8500. They just bumped it up to 10,500. My accounts are all relatively young -- I think that's what hurt me on the initial credit limit.
  15. No luv button per se, but you can use the customer service messaging feature on your iPhone to request a CLI. They just gave me one without my asking for it -- about a 25% increase. I've had my Apple Card for about 18 months now.
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