Jump to content


  • Content Count

  • Joined

  • Last visited

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. I had a repo back in 2017 with a $25K deficiency. In retrospect I think the process was flawed (never received notification of redemption rights or notice of auction). At this late date I don't want to wake a sleeping tiger by challenging the process since BMW never came after me and are still holding on to the debt. With some persistence I was able to get the negative entry removed from TransUnion and Equifax but not Experian. Any suggestions on how to proceed, or should I just stop trying to dispute with Experian? I've tried a few times. All they do is contact BMW who says the repo is legit and update my file. Thanks.
  2. Thanks for taking time to respond. I appreciate it!
  3. Hello, new member here and I hope you can assist. To help rebuild my credit I was recently added as a AU to a friend's AMEX account. My FICO scores are around 625 now and should rise to 660 or better next month since I'm paying down some debt. My questions: Does being a AU on the existing AMEX account guarantee that AMEX will approve me for my own card if I apply? Should I be a AU for a certain amount of time? Would they consider me for a Platinum card, or should I be less aggressive and try for the Green or Gold first? I have the income (+$90K) and the utilization on my accounts is about 15% with an active car loan in good standing. I have 9 accounts (5 seasoned and 4 AU). Any feedback would be appreciated. Thanks!

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