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Trapped by Fico

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  1. Thats a good idea.. Never heard of that type of title transfer. I do have an attorney so I'll shoot him an email and see what his thoughts are on that, thanks.
  2. Sorry, I wasnt sure if that was OK and since there were no replies I thought to try it over in the other forum too.
  3. Not sure if this should be in the BK forum but.. Scenario: Husband is currently in year 2 of a 5 year chapter 13 plan (wife did not file Bk). Originally did the 13 in order to keep the house. House is in husbands name only and mortgage is current and never late. House has aprox $180k of equity. Amount owed to creditors if BK was dismissed is about $50k Is there anyway to pull cash out of the house to pay off creditors and dismiss the BK. Wifes credit is not great but getting better.. Currently at a 700 Fico. Thanks for any advice! Sent from my iPhone using Tapatalk
  4. Just got a notice from Experian the account is verified. I also now have a fraud alert on Experian and equifax fro this dispute. I asked about this fraud alert in another post and I was told it’s because I followed your program too closely.. Sent from my iPhone using Tapatalk
  5. So following Whychats program is a bad idea? Sent from my iPhone using Tapatalk
  6. I’m using Whychats program and following it as close as possible. These are medical collections. Sent from my iPhone using Tapatalk
  7. In the process of working in my wifes reports. We are currently in the disputing stages with 2 old CA’s. We just found out that Experian put a fraud alert on her report for some reason. Will that help, hurt or have no impact on our disputing? Should we remove it asap or leave it for now? Sent from my iPhone using Tapatalk
  8. Thanks for the advice everyone! Turns out they denied her because she does not have a Fico score at all. My daughter just added her as an AU to her Discover card so hopefully they will report it to all 3. That should at least give her a number. I’m not interested in any credit cards at this time, mainly because I just dont trust myself to manage it properly. (Sad but true.. lol!) Sent from my iPhone using Tapatalk
  9. So.. Got the letter today.. not sure what this means. I wonder if we should just call back? I think when my wife was on the phone with them they would’ve told her something like this. And ask for more identification perhaps? Sent from my iPhone using Tapatalk
  10. She called and was told no over the phone so we will have to wait for the letter to see the reason. I dont have any open credit card accounts now to add her as an AU, I only have a mortgage and installment loans at this point.. Staying away from credit cards for a while. Sent from my iPhone using Tapatalk
  11. Been working on my wife’s credit recently and had several old collections removed. She currently has zero open accounts. 3-4 old closed positive trade lines and 1 or 2 CA accounts that are just now past SOL (in the process of getting them removed now). She has no Fico score with any if the 3 CRA’s. We want to start building it back up and assumed a secured card was a no brainer. We applied for the Cap One secured card and after sending them ID documents, she called them and they said, sorry.. your not approved. I was kind of surprised and disappointed we used credit pulls just to get rejected for a secured card! Is this because she has no credit score? What other options do we have now? Thanks! Sent from my iPhone using Tapatalk
  12. Thanks! I had to ask.. I cant trust my math skills! I even used my fingers to be sure!! So, since its technically past SOL but is legitimate, can I still get it off the report somehow? We called the hospital (original provider) but they wont take a payment as its owned by the CA and its so old. Last thing I want to do is give the CA any money. Sent from my iPhone using Tapatalk
  13. Wouldnt 6 years be 2019..?? Sent from my iPhone using Tapatalk
  14. My previous thread was closed by Admin due to things going off the rails a bit.. I DV’d the CA after following Whychats guide. I dis the 1-2 punch and DV’d the CA and also sent the CRA follow up letters. The CA is local so they actually replied to my DV via snail mail before the CRA even received my follow up dispute letters. Does this mean the CA CAN respond and validate with the CRA since they have sent me the validation? Or are they still under the tome table of not being able to respond to them? Also.. The CA sent a copy of the bill from the hospital. The date of service was Oct 30 2013. Maine has an SOL period of 6 years. When would that be in relation to the date of service? Thanks Sent from my iPhone using Tapatalk
  15. Does anyone know anything above this company? Are they legit and helpful? Or is a secured card a safer way for someone to build credit? Thanks! Sent from my iPhone using Tapatalk

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