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L99

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  1. You think I'm the one being snarky after someone says action "ALSO requires being willing to use your phone and an ability to write a coherent letter to appropriate executive personnel..."? Interesting. And just stop engaging me.
  2. I'm not looking for a discount and am capable of using a telephone and writing a coherent letter.
  3. The question was about the reporting, not student loans. I found the answer. Thanks.
  4. I've apologized for my mistake. I don't know what else to say. I saw what's there when you click the link--I did that after you told me I'd posted in the wrong place. If you need me to say you're correct, then you are correct. If you find this type of mistake irritating, perhaps someone should change what is written on the main page. It literally says that questions about credit reports and the like go there. Literally. Creditboards Main Forums 1. Credit Forum o Credit News o Advanced Credit Topics Credit Reports, Collections, Credit Cards and related discussion
  5. https://creditboards.com/forums/index.php Newbies Section (327,370 vsits to this link) Beginners info and frequently requested topics Creditboards Main Forums Credit Forum Credit News Advanced Credit Topics Credit Reports, Collections, Credit Cards and related discussion Well, sorry to bother with the question. I can't post a screenshot for whatever reason, but if you go to the link I supplied previously and above, you'll see what I'm talking about. Thanks.
  6. My apologies. I don't know how to delete my post, but I recommend changing the heading under the index for Advanced Credit Topics to reflect that it does not deal with the topics it says it does--namely Credit reports, Collections, Credit Cards, and related topics.
  7. Oh no! I'm sorry about that. It says "Credit Reports, Collections, Credit Cards and related discussion" under the heading for Advanced Credit Topics in Creditboards Main Forums here: https://creditboards.com/forums/index.php. It makes it seem like the topic there is around credit reports, collections, credit cards, and related discussion. What is the correct place, then?
  8. I have a CO with Affirm that is reporting as such on Experien credit report. They have ASSIGNED it to TrueAccord, who doesn't report to the bureaus. I had planned to PFD, but Affirm sent me an email saying deal with TrueAccord, we sent you this letter and that letter. However, TrueAccord's website says it doesn't report to the Credit Reporting Agencies. I assume this means then, that they have nothing to do with any removal of the Affirm account listed on my CR. So what should I do? I'd planned to just PFD as it's only $314, but of course I want it removed. I thought Affirm can't continue to report it if they no longer hold it.
  9. Hi-- I'm pretty sure I saw someone make fun of people who ask this question, but here goes. I have two student loans totalling $XX,000, reporting to the CRAs in two separate events/instances, once as a Dep of Education event from Dec 2018-present., and once as Navient/Dept of Ed from 2016 through December 2018. Is this correct? I guess I don't know what being a "servicer" means. I guess Navient as a servicer is just like an OC, and not like a collections agency. So they had the loans, but gave them back to the government when I never paid, which makes these records correct. But can anyone please verify? The silver lining is that this (I think) means that after my rehab is finished, both of these entries are updated to positives. Thanks, as always.
  10. Thank you. I have just finished working out a rehab agreement for my student loan, so CHECK. I didn't think it was an option for me. I can have that underway while making payments elsewhere, but also have to option not to pay until September due to CARES Act. I will pay unless there is a compelling reason to wait. BVAA--I will call them Monday and work out a payment arrangement on the outstanding balance. This leaves Net Credit. https://www.netcredit.com Net Credit is a personal sub-sub-sub-sub prime lender. My interest rate is bananas on that loan...32%. Dummy. Well, desperate. Thanks or the help in deciding on an action. Progress was made. I'Il just have to figure out how best to manage Net Credit. I guess I just call them and ask to set up a payment plan...?
  11. Hi. Thanks everyone for push out of hopelessness. My scores have increased about 30 points each, and this without reflecting that I paid off a $2500 installment loan a week ago. Total paid off is about $7000 in 6 weeks. · My goal is to buy a home with an FHA loan around October 2021. · I have $2000 per month to put toward resolving these negatives. · I don't know if I can call BBVA and Net Credit and work out payment arrangements, or if I need to have all the money now. Scared to call—I keep hearing “don’t talk to them.” My question is what order to put these in based on how quickly it will impact my credit score. My options seem to be: 1) Resume student loan payments ASAP, over the next year just save the money monthly and pay BBVA first and then Net Credit, then down payment. 2) Pay BBVA first, resume paying student loans in September and then pay Net Credit over the next 12 months. Remaining negatives on credit report: Defaulted Student Loan · Wait 1-3 months and use that $850/month to work on the other two items? BBVA · $5600 charge-off as of Sept 2019 · Planning to just pay it, assuming I'll have to pay in full but not sure Net Credit Financial Services · $6900 charge-off from Sept 2019 · Planning to just pay it, assuming I'll have to pay in full but not sure When do I apply for the mortgage, by the way? How far ahead of when I want to close? THANK YOU!!!!
  12. Thanks, @dvd I actually just received an alert saying my TU score went up 28 points when this account reflected paid. My other paid balances haven't reported yet, and I paying off an installment loan tomorrow as well. It's current but at 54% of its high balance so I assume it will help with total utilization a bit, even though it doesn't apply to my revolving utilization. Either way, I'm so happy to be making progress. I am waiting for my Optima application and thanks for the heads-up on losing the applications, especially since the USPS like to lose my mail from Amex as it is. Just lost both of my payment notices, despite them being included in Informed Delivery. So who knows how this will play out...
  13. I think you're doing great but I definitely understand the anxiety. You seem appropriately prepared by reasonable-high standards. If I'm the expert on likelihood of disaster (I'm certainly not the expert on having 9 months' expenses when you need them), I'd say vis a vie uncertain times and potential crisis...all you can do is be prepared. And you are. I was exposed. This all started while I was putting myself through school, thinking that was the hardest it would be. Then came this and then came that...so I never even had a chance to start a pile of savings like you now have. I don't see you being destroyed if something happens. Maybe life exactly as you know it would change, but even I survived these hits. Just not as well as I could have. You've prepared well. Continue saving if you like, but don't lie awake stressing about it. If "it" comes, you can't stop it anyway. You'll be ok.
  14. Wow this is great. Thanks--I was jumping between several things earlier with work and somehow missed it. Your notes are a dead-on description of the mindset you need. I've never really had the chance to amass any assets to sell, but the acceptance and you-need-to-act parts I finally became good at. It would have been great to read it somewhere instead of learning by repeated experience, but still. The way you describe it is exactly the mindset I had when I felt I'd arrived at the mindset that made me effective when it all went South. People even comment on how calm and decisive I become. I tell them I've just been through this (like a job loss, for instance) enough to know you need to act now and cry about it later. How curious! I'll check the book out. And it is a plus to have learned to be strong under pressure, however the lesson came.

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