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lisac1960

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  1. Due to a significant loss in household income (including spouse's 2020 unemployment during the pandemic), I exhausted all financial means to maintain unsecured debt payments several months ago. As a result, I am 90 days delinquent on most of that debt. No issues with the mortgage or other secured debt. The household income situation is the best it can be for now. I literally was planning to meet with a BK attorney this month to discuss options. However, I have an unexpected windfall coming my way. This windfall would only wipe out approximately 25% of the unsecured debt. I'm not sure what woul
  2. Due to a significant loss in household income (including spouse's 2020 unemployment during the pandemic), I exhausted all financial means to maintain unsecured debt payments several months ago. As a result, I am 90 days delinquent on most of that debt. No issues with the mortgage or other secured debt. The household income situation is the best it can be for now. I literally was planning to meet with a BK attorney this month to discuss options. However, I have an unexpected windfall coming my way. This windfall would only wipe out approximately 25% of the unsecured debt. I'm not sure what woul
  3. I just got the $11.12/month offer for six months. The CSR said to check back with them near the end of the six month period to see what discounted offers might be available. As others have noted, the phone call took just a couple of minutes, and the unlimited pull option is available to me immediately even though the billing change won't take place until November.
  4. After posting, I looked back to see if I had any notes about the CareCredit "minimum" this physician's office quoted me. I did find a note in my files, and it was $1,000. This was a plastic surgeon's medical office that has a dermatologist as part of the practice, who I wanted to see regarding some cosmetic treatments that wouldn't have been covered by my insurance and the cost would have been less than $1,000. I wish I had known this, because I hate to take a hit on my scores and my utilization as a result of this account closure. That is why I bumped this thread, to alert others.
  5. Bumping this thread because this just happened to me. I applied online in July 2011 for a CareCredit card and was approved with a $3,000 limit. I did not go through a doctor's office, but just applied on my own because I was considering some medical procedures that would not be covered by my insurance. I didn't pursue the medical procedures right away, and when I did contact the physician's office inquiring about using CareCredit for a different procedure, I was told they did not accept CareCredit as payment for procedures less than a certain amount (I cannot remember the amount, but obvio
  6. Good news! Nissan has received the payoff, the account balance is -0-, so the gamble to stop payment on the additional payment appears to have been the correct decision.
  7. Nissan had not received the payment as of yesterday. The CSR in the call center in whatever country was not very easy to understand, which was very frustrating. The "eventually" part of getting the additional payment refunded is why we decided to stop payment on the bank draft. Who knows how long they might take to issue a refund for an overage on an account.
  8. We traded our Nissan for a Honda last week. The Honda dealership sent the payoff on the trade-in to Nissan on Thursday. As of today (Tuesday), Nissan still shows the account as open with the payoff amount still due. The Nissan payment was set up for bank draft on the 10th of each month. We called Nissan today to inquire about the payoff, and the CSR said there was nothing that could be done on their end to stop the bank draft scheduled for this Friday. We called our bank that processes the bank draft, and they suggested stopping payment (the bank even agreed to waive the stop payment
  9. Well, I spoke with someone at Alliant CU today regarding the inaccurate reporting of the installment loan. I was told that Alliant has been experiencing some technical issues with new installment loans reporting as revolving. The CSR told me to go ahead and dispute the item with the three CRAs (the loan is in fact reporting to all three) and Alliant would also send a letter advising the CRAs of the issue...but the CSR assured me the loan is in fact an installment loan and should be reported as an installment loan. Now, I don't know if Alliant was using "technical issues" as a reason fo
  10. I sure hope this can be corrected quickly. Reporting this loan as "revolving" instead of "installment" appears to have caused a 32-point drop in my EQ score (nothing else had changed on my report, so the new account reporting inaccurately as revolving seems to be the issue), but it did not appear to affect my husband's score at all. Any idea as to why? When we get this corrected, how long will it take for my EQ score to bounce back? This is so irritating...
  11. The personal unsecured loan we opened with Alliant CU in September is for a fixed term (48 months) with fixed payments. We just discovered the loan is reporting on EQ as a revolving LOC. The loan officer told us prior to closing the loan it would report as an installment loan, which was one of the reasons we did the loan in the first place. There is nothing in the paperwork to suggest this is a LOC. Could this be a simple coding error by Allant? I have sent an email to the loan officer, and will call Alliant during regular business hours on Monday. How quickly can we expect to
  12. I did not include Citi in my 2003 Ch7 BK (only because I did not have a Citi card). I applied for a regular Citi card about 6-8 weeks ago, and was denied. The sole reason for the denial, according to the letter from Citi, was the BK. And yes, Citi did pull EX (in my case it would not have mattered because the BK public record is still on all of my reports). So, my guess is those of us with a BK still showing as a public record on CRs likely will be denied for a regular Citi card.
  13. I was searching the forum to see if there was already a thread on multiple CU memberships, and came across this one from 2007. I have two CU memberships, one local and one with Alliant. I would like to add more CUs for savings opportunities and loan products, including credit cards. In the current credit climate, is there such a thing as too many CU memberships? Do loans or revolving accounts from multiple CUs create red flags that might result in AA? What has been your experience with having a mix of big banks (AMEX, Citi, Chase, etc.) and CUs?
  14. The CL is still intact, and AmEx is encouraging us to use the card for travel. From the AmEx account status page: TRAVELING SOON? Please be aware that we need no notification of your travel plans in order for you to continue using your card. :angry:
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