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  1. I wish all of the wonderful folks here at Creditboards a belated Merry Christmas and a Happy New Year! I hope 2020 brings you much success and happiness (financial and otherwise).
  2. They do give you an option to get it as a PDF.
  3. I pulled my "real" EX and TU reports via annualcreditreport.com. For some reason I couldn't get the EQ report unless I mail in a request, so that's what I'll do. The account has been removed from my EX, resulting in the 53-pt rise back to where it was. It's not on my TU. With the exception of a couple misspellings of my last name on my EX (which I'll have corrected), everything else looks good. Hope you all are enjoying your weekend!
  4. Hi Why Chat! My EX report on Experian's website wouldn't be the same as my actual report? I do need to pull all three CRs, though. I routine usually do so around this time of year.
  5. I just got the car, so my first payment isn't due until November 3rd.
  6. I got 3 new ones! American Express Cash Magnet card - $1,000 Bank of America - $1,500 Chase Freedom VISA Platinum - $5,000
  7. My credit journey has been going very well, until yesterday. A PayPal Credit Card (Synchrony Bank) was reported to my EX report for being 90-days late, plunging my score down 53 points 😡. However, after further review, I determined the account is not mine, has never been mine and has never been on any of my reports. I did an Internet search on the phone number associated with the listing on my report and discovered that people were getting calls from that number regarding a PayPal account they didn't even own. I do remember getting a hard inquiry from Synchrony/PPC on my EQ back in March that I disputed and EQ never followed up with the dispute. Then I got busy and it slipped my mind. I filed a dispute with Experian, and I then contacted Experian and Synchrony's Fraud Dept. to tell them both about the error. The rep at Synchrony said he would alert the CRA's, and the Experian rep said I would hear something withing 30 days. This account hasn't hit my TU and EQ reports. In the meantime, I'm so afraid of what may become of my newly approved car loan and two new credit cards 😟 while I'm trying to get this fixed. Will I lose my car now? It's either a bank mistake or someone F'ed with my identity. I'm trying to stay calm, but it hasn't been easy at all. ETA: I just logged into my Experian account and see that my score has now increased 53 points, back to where it was. I haven't received an official confirmation from Experian yet, but this is a good sign.
  8. I'm back :-) and ready to seriously trade my vehicle in. So here's where I'm at now. Your Age? 54 Per MyFICO: Your Equifax Credit Score? 701 Your Experian Credit Score? 710 Your TransUnion Credit Score? 711 How many years have you been on file with Equifax? 31 How many years have you been on file with Experian? 31 How many years have you been on file with TransUnion? 31 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes Will this open auto loan be a trade-in? Yes How many late pays within the last 12 months on the currently open loan? 0 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? Capital One Auto Finance Your current open auto loan payment is? $399.89 Estimated amount you may be upside down in this vehicle? I believe I'm still a bit upside down. According to NADA.com, the trade value could range between $4,775 - $6,550. Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) Never late on a payment (10) 10 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 9 Total percentage utilized overall? 16% How many of your revolving accounts are store cards? 4 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 5 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 4 years Your Monthly Rent or Mortgage payment? $575 How long have you held your current job? 4 years, 1 month Your total provable monthly gross income is? $3,430 Your provable monthly income is provable via what method? Paystub or tax return Is there additional monthly income? I wish Describe the source. Is the additional monthly income provable? N/A YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $0 Does any credit repository contain any public record? No If yes, please very briefly describe. N/A Does any credit repository contain any Collection Account(s)? No, just one remaining charge-off If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 New or Used vehicle you are considering: Please very briefly describe. I'd like to trade my current vehicle for a used 2017 Chevy Equinox, or perhaps a newer one.
  9. Hi WhyChat Update: I mailed out the validation letter last month, which was received by the recipient on 6/17. To date, I've received nothing and there's been no change to my CRs. Hopefully I've heard the last from these people. Thanks again for your help!
  10. Thanks WhyChat :-D I opted again out yesterday, so that's all set. I'll work on the next step later on when I'm off work. I can use this letter even though the debt is not reporting on my CRs, correct?
  11. Hello Everyone! It's been quite a while, but I still check in periodically and read some of the posts on here. My credit journey is going smoothly, however.... Today I received a dunning letter from Radius Global Solutions (formerly Northland Group, per an Internet search) regarding a 2015 medical debt (service date of 4/30/15). Radius has not reported anything to my CRs, however, their dunning letter states that it may do so after the 30-day validation period if I don't pay (can they do that?). I checked my EOB and if I understand it correctly, the debt is what my insurance did not cover at the time of service. The is the same debt that is mentioned earlier in this thread, which another JDB reported to my CRs and I was able to get it removed from my CRs by following WHYChat's guide (and I remain eternally grateful for having found this forum🙂). I looked at the guide to see if there was good validation letter I could send that would make these vermin go away, but perhaps I missed it? Please advise. Thanks!
  12. Cap1 Quicksilver - $800 -> $1800 PayPal MC - $2500 -> $3300
  13. M&T Bank CLI - $3500 - $4500 Roamans CLI - $2000 - $2300
  14. Wishing everyone here at Creditboards a very Happy Holidays and much success and happiness in the New Year.

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