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MarvBear

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About MarvBear

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  • Birthday October 21

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    Sleeping in the Sun!

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  1. Forgive me for not reading the entire thread in detail, but may I ask how old is this inquiry as of the date of this post? 02.26.2020
  2. Welcome to MSN Money Board. Brutality at its finest.
  3. https://www.fi-magazine.com/360172/lease-credit-approval-rates-dip-slightly There is no paywall.
  4. https://www.fi-magazine.com/360260/one-flu-over-the-dealership There is no paywall.
  5. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear
  6. I think you have to reach member status before you can download.
  7. If you take advantage of the offer the collection agency is making to you, I highly doubt they will report the account just as a paid collection account. My experience in reading credit reports is that a collection agency will normally mark the account with a 0 balance with the annotation that "account was settled for less than the full amount". Personally I have never tried for a pay for delete. I've always had my doubt about the efficacy of this tactic. I'd rather dispute the tradeline bit by bit and tear it apart. Others may have different views than me.
  8. https://www.dictionary.com/browse/smart?s=t
  9. Congrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrats!!!!!!!!!!!!!!!!!!!!!!!!!
  10. The original default on the loan is what triggered the Charge Off. When Cap 1 updates monthly to the bureaus they are just providing the monthly update to the credit bureaus that the account is still in a charge off state. A creditor can only charge off an account one time, but they can report the charge off for the amount of time allowed by the FCRA.
  11. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear
  12. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breeze & MarvBear

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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.
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