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  1. dvd

    Fred's Rebuilding

    To add on to CV post, The Optima offer is guaranteed as long as the outstanding balances owed to Amex is paid and you have not filed for BK. Was your overseas assignment military service? If so, you can use that as leverage into other options. Amex will sometimes reinstate the account when the balances are paid. You do need to unfreeze all your CR when you apply for the Discover card.
  2. If your scores are in the 800s and you haven't used the card and plan on not using it, then I would think about letting it go. Get a card that will benefit you and your needs.
  3. dvd

    I need an easy store card

    I dont think you need a store card. The Equifax score is a FAKO score, you need to see what you real FICO scores are. Also, you should have a small balance on one of your cards. The should give you up to a 20 point bump on your FICO scores. I know you n=mentioned that you were never late on CC payments, but 640 (even though its a FAKO) seems low, can you provide more detail on your credit profile, ie 1) Accounts you currently have and when they were opened, 2) Any closed accounts 3) Any negatives on your account.
  4. The guidelines around 1099C is ambiguous at best. Here is a link from a law firm about 1099C: http://www.stcwlaw.com/images/legal-primer/the-issuance-1099-C-fair-credit-reporting-act.pdf
  5. I think its most likely an disorganization issue and not anything misleading. Id call them and find out when they sent the request to the CRA. Id also mention the update as they could have sent accidentally sent incorrect information to the CRA.
  6. FDIC Rule 5000 adjustment (positive re-aging) is voluntary and intended for 30 day late payments. You can ask these creditors for a adjustment but it would be a stretch as it takes missing 6 payments before it goes to charge off status.
  7. dvd

    New Member - Help Me Form a Plan

    +1 Regarding the utility collection, get a pay for delete and let them know you are Military. They tend to be accommodating to our service men and women.
  8. dvd

    Dispute Strategy - Settled Chase CO

    What was the time frame from when you paid it, the date of the confirmation letter, and how many days they said it could take for updated records.
  9. Try calling Amex Reserve # 800-700-7919 to see if 1) you can get your account reinstated (Apollo Program) or 2) Get the Oasis Card.
  10. How is the payday loan collection reporting?
  11. No problem. Ill look for more links later today.
  12. Here are the links: This is a link to a copy of a letter sent to the Dallas Police Dept regarding NCAP/CRA changes to credit reporting. Payday Loan reference is towards the bottom of the second page of the letter: https://www.thenewspaper.com/rlc/docs/2016/creditletter.pdf Link to an article about the NCAP changes. The reference about Payday Loans is about NY State only, but I think the CRA adopted the policy nationally. https://www.cheatsheet.com/money-career/credit-reporting-agencies-agree-to-massive-overhaul.html/?a=viewall
  13. dvd

    New Member starting repair.

    Did the letter state they were collecting on behave of Paypal or did it say they purchased the debt?
  14. dvd

    New Member starting repair.

    If the payment was made directly to the court you should be able to get some sort of receipt or documentation that payment was made.
  15. dvd

    Please help!! - Collection related

    What is the DOFD? Want to make sure its out of the SOL in your state.

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