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  1. Im confused as to why someone would come to a public forum for advice and then rebut any help provided? Of course when you have a negative credit impact due to extenuating circumstances outside of your control, your first line of action is to resolve as quickly as possible with the creditor. Since you mentioned that you are quite aware as to the remedy for the credit reporting - that isn’t your concern. Just to clarify, you are requesting from the forum a dollar amount that you have experienced in damages in a situation that hasn’t cost you a penny? I would echo what was stated earlier by another member and accept whatever dollar amount they offer and then begin forming your letters to the mortgage company on the reported late payments. [emoji2377] Sent from my iPhone using Tapatalk
  2. Any suggestions? Sent from my iPhone using Tapatalk
  3. I mean that I don't know whether the gym or the CA owns the debt. I'm trying to prevent the account from reporting. Sent from my iPhone using Tapatalk
  4. Still within Alabama SOL. Ownership of the account cannot be verified at this time. How would I confirm? Sent from my iPhone using Tapatalk
  5. I have received two phone calls and two letters from a CA regarding a gym membership. I can pay the balance today, but who should I pay? This is not reporting to the CRA's and I'm wanting to act quickly and efficiently. Would it suit me best to pay ASF, the company that handles payments for the gym? Or Should I pay the CA? Thanks for any advice on this Sent from my iPhone using Tapatalk
  6. Yikes [emoji2961] seems to me this card may be Apple's way to boost their shareholder value. It's certainly not welcome nor worthy to enter my sock drawer [emoji19]
  7. NFCU platinum card is 0 for 12 with no BT fee. Catch here -- you have to be a member. Sent from my iPhone using Tapatalk
  8. 3% balance transfer fee with that one too Sent from my iPhone using Tapatalk
  9. If you haven't accepted an offer from Wells Fargo in the last 15 months, the Platinum Card has 0% intro for 18 months. Sent from my iPhone using Tapatalk
  10. [emoji23][emoji23][emoji23] thanks for the comical advice. I heeded your recommendation and closed Mission Lame and Finger Butt, I mean Hut, turds today! Sent from my iPhone using Tapatalk
  11. Thank you for the additional questions to help with fully understanding my situation! Let me know if I need to uncover any other info. Sent from my iPhone using Tapatalk
  12. Greetings to everyone. I have been very grateful to glean from the personal experiences from others here on the board and look forward to gaining a little bit more personal guidance on my own situation. Here’s the situation: I have recently been working on some items on my credit report. Still working on a few (Merrick Bank *puke*, SYNCB/AMER EAGLE, and multiple student loans all of which are reporting with late payments) Progress is moving along so nicely that I decided to go a little overbord submitting cc apps hoping to lower my CU, so I would really appreciate a glance over my current cards and provide me with some direction around which cards I should keep and which I should close—if any at all? Any advice is welcomed [emoji4] Discover; DO 11/2012; NO AF; 29.99%; CL $1,000 WFCC; DO 06/2013; No AF; 24.90%; CL $1,400 HuttonChase*; DO 06/2019; No AF; 0%; CL $1,500 Cap1; DO 07/2019; No AF; 26.98%; CL $500 FingerHut; DO 07/2019; No AF; 29.99%; CL $500 MissionLane; DO 07/2019; AF $59; 29.99%; CL $500 NFCU; DO 08/2019; No AF; 17.24; CL $15,000 *I applied for this HuttonChase tradeline at a time when I only had Discover and WF, both of which were nearly fully maxed. It definitely helped lower my utilization and I don’t see any reason to close it. I accepted the Mission Lane card pre-approval like a DA even though there was an AF. However, at the time, I was more so focused on increasing my total CL and just took the “deal.” I am in favor of closing out the Mission Lane card, but should I close out any other cards? FYI: My credit went from a 545 in May ’19 to EX:607, EQ: 604, TU: 595 in August ’19. Expecting to see an increase once NFCU credit line reports. The Cap1, MissionLane, and NFCU have not reported on my reports. With that said, I really don’t want my credit age to be a factor here that could cause the work to all be in vain. Sent from my iPhone using Tapatalk
  13. Just curious on how you proceeded with AFNI, that's if you took any action at all as I did see another comment recommending that you not touch anything more recent than 2011 or 2012 Sent from my iPhone using Tapatalk
  14. Thanks Kat! I look forward to working with the resources and information which has already been very encouraging. We all need all the support we can get when dealing with credit! Sent from my iPhone using Tapatalk
  15. Oh okay, I thought it might be something along those lines. Thank you for your reply Sent from my iPhone using Tapatalk

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