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A Credit Ed

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  1. I've been informed by my better half that we will be doing some significant projects around the house this fall. Since that means Lowe's and Home Depot, I'm tempted to get the Amex Lowe's business card. Does anyone know if it will show up as a hard pull with the CRAs?
  2. Pretty sure it has to do with how pretty/awesome the card's design is, combined with the architectural details of the post office payments get mailed to. Not sure of the exact formula though.
  3. Hey woodpacker - Credit Boards has its own resident medical collections fairy named Why Chat. Your post is less than a day old, and I'll bet Why Chat will be piping in soon. He/she has helped hundreds, maybe thousands, of people out here with medical billing and collections issues. You are in good hands!
  4. I agree with PotO - something else happened here. A sudden 100+ point drop points to a new collection be placed, I really can't think of anything else that would blindside you that way. a gradual 100+ point drop points to multiple 30/60/90 day lates. Are you looking at Experian FICO scores at usa.experian.com/member/overview? If so, click on the Credit Usage / Total Debt / Open Accounts / Inquiries box under your credit score. This will take you to a page with your previous reports available from a drop-down menu in the upper right corner of the page.
  5. What method works best for removing 30/60/90 day lates from BofA? CRA dispute? Goodwill? OC dispute? We don't mind losing the age in the event the entire credit lines go away and I've got all 8 paper reports, one for each of us from the big 4. I have two 30s, one from Feb 2016 and another from May of 2017. My spouse is worse with five 30s, two 60s, and one 90 spread out between June 2015 and Dec 2017. Both accounts are closed by lender. Both were closed due to us being late on other credit cards and mortgage payments, not for being late on those particular BofA ca
  6. A Credit Ed

    CRAs

    All you need is a piece of paper, an envelope, and a stamp. Put your request in writing and mail it to them. 1-2 weeks later you will have a paper copy of your credit report in the mail.
  7. A Credit Ed

    CRAs

    You don't want the free online reports from annualcreditreport.com, but you can get free paper copies from them with this form - https://www.annualcreditreport.com/manualRequestForm.action. There's also a few ways of getting free credit reports directly from the CRA. Equifax is currently required to give you a free report every other month if you ask due to one of their data breaches. You can also get a free report if you have been denied credit, or if any adverse action has been taken - such as being declined for a CRA. And, according to this story, you can get one free credi
  8. A Credit Ed

    CRAs

    TransUnion P.O. Box 1000 Chester, PA 19022 1-800-916-8800 Equifax P.O. Box 740241 Atlanta, GA 30374-0241 1-800-685-1111 Experian P.O. Box 2104 Allen, TX 75013-0949 1-888-397-3742 Innovis Consumer Assistance P.O. Box 1689 Pittsburgh, PA 15230 1-800-540-2505
  9. And as a merchant, we had to submit those signed hard copies in order to get paid by the card issuer! At one point - in the late 80's or early 90's - your Amex statement would have facsimiles of every run-through-the-imprinter charge slip.
  10. I went to ask, "Does a credit freeze prevent preapprovals" and when I got to the first "e" in "prevent" Google thought it knew what I wanted to ask:
  11. Amex came out with a Lowe's card that gives you a $100 bonus even before you buy anything, gives you 5% cash back for the first six months, then 2% cashback thereafter, plus a 5% discount at point of purchase on every purchase. So cash back + discount comes out to 9.75% for 6 months, then 6.9% ongoing. https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/lowes-credit-cards/
  12. For the massive commissions a loan broker gets once the loan closes, they should be more than happy to do whatever you ask, and do it with a smile. That being said, everyone has bad days and it is a PITA to redo paperwork. If you enjoy the person and the company, maybe call her and see if she isn't having a better day - we've all said things and sent emails that we wish we hadn't. Don't forget, your broker is paid a commission and that commission is higher if she sells you a higher rate, so understandable if she got upset when you mentioned rate shopping when she thought she
  13. I have found my new Sensei here on CB.
  14. Yea, when I saw the fine print about "our Debt Consolidation Partners will call you" I decided that my curiosity didn't extend that far and I decided to ask here. For S&G I decided to click on the list of Debt Consolidation Partners. Turns out debthunch will sell your name and phone number to 32 different partners! FWIW, I also did all my searching using a private browser - no telling what wonderful items would make it into my cache and cookies file. Beyond Finance, LLC dba Accredited Debt Relief Agile Debt Relief Apex Financial Freedom AYG Global ClearOne Advantag
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