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rusty105

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  1. How? Ask them? They just gave me a CLI, but I still have a balance on there
  2. Thanks for the advice. I am waiting a few months, 1-3, till I hit that LUV button. Merrick is not bad for me, mid pack as far as limits go, and one of the lower APRs. unfortunately i wasn't in a position to PIF, but recently PIFed about 1/2 of my cards, and brought the others to <50%. Waiting till the dust settles and want to then work on higher limits and lower APRs.
  3. Yes, it is best to PIF, but on the occasion you need to carry a balance for a few months I would prefer to use a card with low rates. Currently my rates on several cards are 17-27%. I am sure there are better cards with better rates. My scores are coming up, currently in the low side of the "Good" range., and should go up more once all the payoffs report to the CRAs Current cards include Discover, Cap 1, Merrick, Chase, Citi Best Buy, and some store cards. Limits typically $2k - $5k Where should I be looking for better cards?
  4. Should I also dispute mis-spelling of my name, and not complete names, (missing middle initial and suffix) ?
  5. If I pay the Dr, wouldn't the CA no longer have an account to collect? Making the listing void?
  6. I am able to pay the initial provider (the Doctor) now , should I? Or wait till the accounts are off my reports?
  7. Help with Eastern Account Systems I have a collection showing up on my 3 reports from Eastern Account Systems (EAS) for a medical bill from back in 5/2015. The account is listed as first opened in 6/2016. I have never made a payment to them, nor have I even contacted them. They now have "updated" the balance in 7/2019 (I am assuming to attempt to extend the SOL), yet I never did anything, and the reports list the balance as the same amount. Looking to possibly buy a home in the next year or 2, and would like to see this gone. What are my options? I am in a better position financially then I was 3 years ago, and could pay the medical provider directly, or do i wait out the SOL ? I also just recently payed down some CC debt, and pulled all majors + Innovis, so i have an idea where I sit. I just have this medical collection and 2 lates with Cap1. the lates are on 2 different Cap1 accounts in the same month about 3.5 years ago. Is it worth trying a good will? Or just let them age gracefully? thanks!
  8. So somehow I wound up getting a 30 day late on two of my Capital One accounts. It was a raw deal, I was a few days late and the CSR called me to discuss payment. they said they would accept a payment on xx, then again on yy to get back to current, I said sure ( i was in a bind) and agreed. few months later the 30 day lates show up I was pissed. Fast forward to 3-1/2 years later, and they still show on the reports, I knew they would, but how do I get them to clear out? Do I sent a good will letter? Or just let them age gracefully. Might be in the market for a used car loan next year and just doing some house cleaning.
  9. It has been a while since I did any housecleaning on the credit reports, and to my surprise found several incorrect addresses, old addresses, etc in my 3 reports. What is the best way to handle these now? I haven't done it in over 10 years. I have a few incorrect addresses, and one report has addresses that are almost 20 years old. Thanks Rusty
  10. I can probably expect creditors to balance chase?? If it matters, 14 accounts (38k total limit) , no lates, 1 medical collection that will be disputed, and likely removed.
  11. So... I have about 30k ( >90% utl on most cards) in CC debt, ran a lot of that up adjusting after a separation/divorce, finances are getting back on course. However, due to the high interest rates, some in the upper 20% range (will ask how to lower them in another topic), I am finding it hard to keep up. I have applied for a loan against my 403b for about 20k, which by my calculation will give me an additional $350/m after paying off several cards (starting with the highest interest rates first). My question is how should I pay the cards off? Should I just dump the payments at one time? or spread them out a little? Will the card holders think something is wrong when suddenly my utl goes from really high to something in the 30% range? I don't want the cards to be closed or reduced, but I am sure as heck not using them. Thanks!
  12. @Why Chat Medical service dates are from around May 2015. I never knew I owed, then by chance i called to make an appointment and they told me I owed. We started a payment plan about 6 months ago, and at some point I forgot about it (it has been a rough year, going through a seperation), then the collection letter showed up. Yes, my current address (for the next week or so) is the address I had when the medical charges were incurred, and when I recieved the collection letter. I do have even older addresses, even thought I am at my current address for about 10 years. As for the Split file, last time I looked at my TU report, it was correct, BUT missing several accounts. @kimbachelle I have my EX and EQ reports from annualcreditreport.com, TU amd MIB are the only reports I have to wait for. By then I will have the new address @ anyone I also have several varitions of my name on my reports. Officially my name is written as "First M Last Suffix" but I have several like: F Last First Last First M Last First Last Suffix (everyone follows, right?) Should I bother to dispute them as well. I have never opened any account with other than my complete full name as "First M Last Suffix".
  13. OK, opted out Requested EX, EQ, MIB. I tried to request TU from the annual site on online, but it couldn't be processed. I had to call the 877-322-8228 number for the annual report. I think this my be do to a split file with TU. Last time I saw my TU file it had only a few of my accounts showing. Anyone know how to get them to fix?
  14. Here is one issue I am going to have. I am moving NOW, this week. I can "op-out" with no problem, but deleting old addresses can be an issue. it is going to be a few weeks before I get a new driver's license and a utility bill for address verification. Can I start the procedure at my current address, and just update the new address as I get the documents showing I live at the new address??? Thanks!
  15. Hello everyone! Several years ago, with the help of this forum, I was able to clean up my mess of credit reports. And get a fairly good credit rating. (I paid every bill off as well ) Well.... I seem to be in need of help again. I have a collection agency attempting to collect a medical debt, they sent a "2nd" letter. The CA is saying they sent me the first letter >30 days ago, and since I did not dispute, they are taking that as a sign that the debt is valid. I do not recall ever receiving said letter, but I still want them to verify the debt. It is for about $800-ish. I will check with the medical office, I haven't been to them in a year or so, and if I do indeed owe it I will settle directly with the medical office. But in the mean time, I now have a collection and a late on an otherwise clean credit report. What is the best strategy to clean this up? On top of all this, I am moving this week. thanks!

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