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  • Location
    East Coast, US
  • Interests
    Money, duh.

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  1. I look forward to sharing with you all and learning.
  2. South Carolina, I'm almost sure that I am not at the threshold of being sued. Probably.
  3. Yeah, I know them all, well they're a couple clicks away. There are roughly 1500 combined spread throughout 3 personal credit cards past due if not in collections. And 800 due for a past medical bill. All are from 3-4 years ago.
  4. Thanks for the response, I understand now, you are very helpful. 2nd question, thoughts on the credit service; Lexington Law?
  5. That's what I was thinking, that it could end up not making a difference as far as my Credit Score is concerned. They are a mixture of medical and personal credit cards.
  6. A few days ago I got a charge on my debit card for $200 from a company I have never heard of nor remember signing up for or even visiting the website. Well, in attempt to get that back, I am attacking it from both ends, reporting fraud to my bank, and looking for support from the company itself to try and refund it. Well the damn place is pretty stupid incognito, been trying for a couple hours now to find a phone number, no luck, so just been blowing up their email with my fingers crossed. The company name is Kickstarter.com Advice/thoughts on how to best go about this situation? Thanks.
  7. I'm guessing it of course varies for different items and stuff, but any good links or advice on how to figure it out for sure?
  8. I have student loans 4 months past due, currently working on deferment/forbearance/forgiveness/anything better than what I am on now. My clearance is still just fine, but is there a certain point that I should be worried about potentially the negative effect on my clearance from my past due student loans? Thanks!
  9. Thanks. If I accidentally made 2 threads with the same hello, i'm new sort of tone, I apologize. Happy to be here, i have a lot of ideas, stories and questions i'm not even sure where to start honestly.
  10. Are these offers legit, or is it more sensical to just wait for them to fall off on their own assuming I am in no rush to repair my history?
  11. Hi all! Moderate credit knowledge poster here, but with a horrific score due to a handful of literal I don't give a F%#& years in my younger days. Any tips, questions, ideas, etc. are welcomed!
  12. Not a newb to credit scores, but newb to this board, hello all... I'm sure i'm not the only one that has gotten those offers in the mail offering to settle a debt for 1/4 to 1/2 of what is owed. The question comes up of, these offers i've received seem good and all, but they're from 3-4 years ago. I know ~7 years is when stuff starts falling off, so granted I won't need an immediate hike in my score anytime soon, would it make more sense to continue to refuse to pay any of them, and be better off just doing the wait game for them to fall off in a few years? Thoughts?

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