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  1. Thank you, all! Just got the appraisal today - all good on that front. Very basic conditions asked for from the mortgage underwriter so no worries, there. I'm thrilled that this is happening and I hope sharing my experience will help others.
  2. Hey, y'all. Been away from the boards for a while but haven't stopped working on my credit. So, I finally reached the pinnacle of my credit (and financial) journey - home ownership. Yay, me! At 40 years of age, it's been getting pretty ridiculous that I've never owned a home of my own and, with a teenage son just entering high school, I decided that finally needed to change. Because I entered this process scared witless thanks to years of reading horror stories, I was astounded at how easy the whole thing ended up being. Figured I'd share my story to provide some insight for others
  3. https://creditboards.com/forums/index.php?showtopic=561941&do=findComment&comment=5433057
  4. Yeah, that's what I was wondering. I know I've read that you can only have two products in that category (Platinum, QS1, and Secured). Not a big deal - I just happened to notice the difference today and was curious about it. Wonder if Capital One even realizes they're doing this or if it's another "one hand doesn't know what the other's doing" thing....? That was...umm...insightful. Thank you.
  5. I opened a $300 Capital One credit steps card back in December '15. Didn't really look too closely at what card it was as I was just thankful to finally get approved for an unsecured card at the time. When the card arrived, it very clearly said "Quicksilver One" on the face so I thought that's what my account was. Yeah, it took over a year 'cause I'm kinda' slow, but I just noticed that my online account AND all of my printed statements going right back to my very first one say "Platinum Mastercard". So what do I actually have??? 'Cause, here's the thing: The Platinum doesn't have any
  6. https://creditboards.com/forums/index.php?showtopic=561941&do=findComment&comment=5433057
  7. Portfolio will never PFD. However, they are notorious for erroneous reporting so find some errors and send them an ITS based on FDCPA violations. This should help: https://creditboards.com/forums/index.php?showtopic=561941&do=findComment&comment=5433057
  8. The statute of limitations refers solely to the time period within which a collector can pursue judicial means to compel payment. In most states, non-judicial collections activity is perfectly legal until the end of time. The only thing they can't do after the expiration of the SOL is file a civil complaint against you. On a related note, even after the FCRA-defined SOL for reporting activity expires, they can still attempt to collect on the account - they just can no longer report the account. However, in some states, collections activity post-expiry of SOL is illegal. This is what
  9. Got multiple alerts from my monitoring services last Monday about a new collection account from Convergent Outsourcing on EQ and EX. 35 point drop on EQFICO, 25 point drop on EXFICO. Got on the phone with Convergent Tuesday morning, made them tell me the actionable date on the account - 2011. Politely told the guy it was past SOL for legal action in my state so I would not be doing anything with the account. Then put on my best lawyerly voice and told him I would be mailing out an Intent To Sue letter that very day alleging erroneous details in the reporting of this alleged account
  10. Just chiming in - it happened to me, as well. I received the alerts from all my monitoring services about the HP but it never actually showed up on my TU report which I refresh daily.
  11. Try this: https://creditboards.com/forums/index.php?showtopic=561941&page=1
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