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A Credit Ed

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Everything posted by A Credit Ed

  1. You should probably put together the short list of cards that meet your criterion. Then mail each card issuer and request that they send you, preferably by return mail but by email would be acceptable, a photo of the outside and front lobby of the post office that contains the PO Box where payments are submitted. If anyone responds, that's your card.
  2. I requested, in writing directly from each CRA, reports for me and my spouse. Two requests in one envelope for each, all mailed on 9/15. We received both Trans Union reports, one Experian, and nothing from Equifax. I guess I will re-request.
  3. Oh how I love my EV. I will never ever never-ever buy an ICE car again. Yes, I have a garage where I can plug in and I realize that people living in apartments have extra challenges charging. Yes, it takes me about an hour longer to make a 600 mile road trip.
  4. Ah - I found the Diamond Preferred with 21 months on this page - https://www.citi.com/credit-cards/compare/balance-transfer-credit-cards - but when I click through I get a 404 error.
  5. Like you Sidewinder, I'm looking for some 0% BT cards to move some debt to early next year when the existing 0% BTs take a turn for a much larger interest rate. Wells Fargo currently has a 21 month 0%, Citi also has a 21 month 0%. Regretfully my existing 0% is with WF and I burned Citi in 2015 and don't think they will take me back. US Bank has 20 months, BofA and the above-mentioned WF & Citi all have 18 month offerings. Everything seems to have the dreaded 3% fee, but that's a fair bit cheaper than just a few month's worth of interest on a "normal" 15-22% APR th
  6. OK. Bummer. FWIW, I apologize for thread hijacking and I reported my post above and asked for it to be deleted.
  7. Oh my. Two situations here: Are you saying that a credit card closed by lender for non-payment in Jan of 2015, then sent to collections a few months later, will disappear from credit reports around June or July of 2022? I was hoping to have its age until Jan 2025 - ten years after Jan 2015. What about a credit card closed by lender for delinquent payments, but eventually paid in full? This card was opened in 1995 or so, closed in Jan of 2015, brought current in March of 2015, and finally paid in full in Dec of 2019. I was hoping this card's age would remain with me
  8. WARNING - get out NOW. This place is a rabbit hole that you just keep going down. Actually, welcome and I look forward to seeing if and how you get it removed. I've got two 30's and a 60 from 5+ years ago that I'd like to get rid of but have not had any luck so far.
  9. I was looking at my TU report online. Noticed two "old" addresses. One we lived at 4.5 years ago, the other just 1.5 years ago. Nothing wrong with keeping them on my reports, but thought, "What the heck?" and pushed the dispute button for the two addresses. Within 5 seconds, I had an email telling me the results of my dispute were available online. 45 seconds after that I received an email telling me my dispute had been received and it could take up to 30 days for a result. Both old addresses were gone from my TU report. Experian is a different matter, an address m
  10. Fixed that for you! Another reason not to dispute - sometimes tradelines just disappear. Even though the card is closed, we made the last payment in early 2020, so I keep this card's age (opened in 1996) until 2029 or so.
  11. "And she was wearing a sticker." This is what's wrong with American journalism. What kind of sticker? Where was she wearing it? What color was it? Was it a large sticker? A small sticker? Were there words on the sicker, and if so, what did it say?
  12. We had multiple lates in early 2015, including some 30/60/90/120 with Citibank. When I checked Experian about a week ago, that Citi card was showing ZERO lates! There are just blank spots in the 5 months that had those ugly red numbers. The lates are still on EQ and TU. And I did absolutely nothing to bring this about, I was just going to ride these out knowing they would go away on their 7th birthday anyway. Thanks Citi.
  13. My biggest mistake was not starting to rebuild my credit back then. I went about 5 years without applying for a single thing, even easy to get low-limit starter cards. Luckily I have some well aged cards that are still in use, and some closed cards with really long histories that will be reporting for the next 4-8 years. Good luck my friend, I think you've got this!
  14. When my statement cut a few days ago I had a pending restaurant charge for $12. Couldn't make a payment because my balance was zero. My statement came out the next day with a $0.00 balance, but Discover told Experian and friends that I had a balance of $12. Lesson learned. By using Discover I got 60¢ cashback since restaurants are the 5% bonus category this quarter. That's 36¢ more than I would have received if I had pulled out my 2% Citi card which would have given me only 24¢. I think I'm tired of chasing pennies.
  15. We went through our own perfect financial storm in 2015. Ours involved a car wreck and job loss instead of cancer (though we've been through cancer too). Thought it would never end. It did and it was tough digging out but come summer of 2022 all the 60 and 90 day lates will be gone from all 3 CRs. Like you, almost all the equity from selling the house went to obligations and we went from homeowners to home renters. We looked at the YWCA credit counseling program. Obviously they aren't scammers like the companies that tell you to stop paying, then negotiate after going 6 months
  16. Let me see if I've got this right - they take over aa portfolio of credit cards marketed to an age group most likely to not be computer savvy and prefer doing things the old way, like over the phone, and they are surprised by the volume of people calling instead of doing it online? I just registered and activated my new Barclays (don't forget the "s" in their name when entering the url!) card and it was quite the process. Way more questions than normal, Chase had transferred over an old email address that hasn't been used with Chase for almost a year, they required 5 security ques
  17. 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?
  18. 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.
  19. 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!
  20. 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.
  21. 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
  22. 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.
  23. 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
  24. 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
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