Glacier

I had a few months since I had added a new card, or a HP CLI. Not sure how sensitive Citi is to recent new accounts.

It can happen. Was just approved for Citi Double Cash, $4k limit, with a BK in 2010. Scores between 702 & 720.

Do the terms state interest calculated on average daily balance for monthy or balance for past two months?

Typically you can do what Lexington Law does, without the fees. Also, when a "credit repair service" gets involved, many times, the items become stuck to your report, being unable to be removed prior to the 7 year reporting. As for settling these debts, one item to consider is what is the SOL (Statute of Limitations) for your state? In other words, can you still be sued for these debts?

Just curious, if you flied BK, statements will stop, although you can still be making payments. I re-affirmed a loan, and never saw a statement again, but the CU was local, and I would just walk in and ask my questions.

You stated you moved out of the country for work, so the SOL may have tolled (put on pause) while you were out of the country.

It would depend upon your credit score as well The higher the score, the less likely to need proof of income

I have a card from Discount Tire, I think it is called Car Credit, that can be used at Gas Stations, and Discount Tire. There may be some rewards on gas, I am not certain.

Have you attempted to use another broker? Each broker may have different fees and costs. Also, rates are based upon the perceived creditworthiness of the borrower, so rates cannot be arbitrarily lowered. Also, are you applying for a special mortgage program? What "government standards" do you need to meet?

It is now Wednesday. Any update?

Citi Double Cash - Approved $4k. FICO 702, BK7 in 2010., but I did not BK on Citi.

The amount has likely increased due to late charges and interest. Does Hunter Warfield own the debt, or are they just the collection agency? Is all the information reporting correct?

Maybe ask an Admin to move this to the main credit forum for more views. However, your plan of attack would depend on who owns the debt at that time, and who the letter was from.

I believe he would have to refinance into is name only. Does the divorce decree mention he needed to do that?

Flat