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Found 19 results

  1. For anyone still wondering if this card/program still exists, it does. Long story short, I hit the skids about two years ago, sort of the perfect storm in life, job change, more babies, and less income. Burned AMEX for about $14K. I have since paid back ~$12K. Got the letter from AMEX today to regain card membership as long as I pay the remaining balance. I called to verify and all is well, the gentlemen asked what went bad after so many years of good. I explained, apologized, and he verified the offer and that the account is still in house. I will pay the remainder next month and get
  2. Hi there, I am looking for help on what to do for a Bank of America credit card account that was charged off in December 2012. If I remember correctly, I actually paid this account off in full, but I don't remember for sure as I had a number of credit cards in bad states at that time, so one may have actually been charged off. The status is "Closed. $1,992 written off." The comment says, "Purchased by another lender." I do not recall ever being contacted by a JDB for this account, but it may have been them that I eventually paid off in full. Though I would have thought that would have
  3. Hi CB'ers. For a brief back story, my credit journey started 4 months ago when I joined this site and I've enjoyed about 40 point increases on average for all three FICO scores since then. I'm shopping for a house in the spring (fha loan) and I need some advice to maximize my credit scores and clean up CRs in preperation. My 3 ficos were inthe 590-605s when I joined here now they're in the 640-650 range. I removed approx 9 lates/derogs, paid off 3 cc's to reduce my util to about 45% of 12.5k (still plugging away and plan to be below 20% by home loan app time), paid off 13k car loan, and got a
  4. ok Verizon... sent out letters as per BRBiZ advice... and now i have a BOfA charge off with small 98 dollar balance... (secured card)... dont ask me how lol.. any approach with BOfA i should route too ?? HELP ME CB!!!! 2 away !!!
  5. I apologize in advance but I need clarity. I feel like I read the same statements over and over, searched threads over and over and I want to make sure I have this right because this always confuses me. I've accomplished a lot since joining this site, but this is one thing I can't understand. Maybe I'm simply making this harder than what it really is. I'm trying to figure out when my Capital One CO will fall off my credit report. Date Opened: 03/2007 Charge off as of Jan 2008 150 days past due as of Dec 2007 120 days past due as of Nov 2007 90 days past due as of Oct 2007
  6. Thank you CB'rs for all of the great info! I've been lurking for a couple of weeks and have already read PsychDoc's transcripts, ordered reports, triaged them, opted out, disputed old names and addresses, sent out a couple of Goodwill letters. I would have never known how to attack this without this great resource! Now I need to take my clean up efforts to the next level. I have two CO's that I would like to have deleted that were incurred when I lost my job in 2009 and had to relo to a new city and support homes in both locations. Need some advice on how to approach these. Chase -
  7. Wow. I can really hardly believe it. I've had my Cap 1 card for three years now. Never late. It started at 300, and after 5 months (credit steps) went to 500, and there it sat. I've been reading and reading about changes at Cap 1, so I decided to call them, not for an increase, which I was sure would never happen, but to see if I could get the annual fee removed. The CSR I spoke with was incredibly friendly and helpful. She was looking into my account and asked me if I wanted her to check for any offers at the same time. I said yes. She came back and stated that while I didn't qualify
  8. Hey all, I am working on cleaning things up on my credit and it appears Fingerhut it's reporting 4 times as OC and one CA (midland) What's the best way to attack this? Thanks!
  9. My auto loan from NMAC was up in early 2013. I was laid off in 2011, and did not work for 2 years but, including late pays and everything, I managed to continue to get the loan down to the last $1100. A month before the contract was scheduled to be up, I informed NMAC that I was trying to pay the balance off, but may not be able to before the contract end date. They told me that this would not be an issue, just continue to pay that balance off. If I had anyone to borrow the $$ from to just take care of it, I would have. I made one payment the month the note was ending. Soon after tha
  10. Good evening CB'ers! It's been years since I've been on the forum - going thru life's changes and experiences that have placed me back to where I began when I first found this site. Started re-reading through the forum, getting re-acclimated, and have my reports. My credit is trashed yet again...most of it my own fault; I let things go after the divorce proceedings started. I ended up walking away, losing everything except for my car (another story). I figured that instead of being disgusted, I would roll up my sleeves and start the repair. I've opted out, and am in the process
  11. I sent this company a 1-2 punch and why chat's sol letter combination. They sent me a letter that they are "unsure as to the nature of my request." The first 2 sentences of my letter states "This is not a refusal to pay, but a notice that your claim is disputed. This letter responds to your verification of this account on my Equifax, Experian, and Transunion credit reports." At the end it basically says to prove that I owe you. In their letter they also say that if I would like copies of historical statements and other documentation for me to fill out their request form for my convenience. In
  12. My credit profile is rather thin. We've mainly been cash payers for years and let our credit go to crap. I haven't gotten my real FICO scores (only FAKOs) CK: 645 and CS: 700ish My positives: Capital One Secured $300 CL $1.22 balance Opened 12/12 no lates US Bank Platinum (AU on Hubs acct) $9000 CL $725 balance opened 3/13 no lates. Chase SW (AU on Hubs acct) $8500 CL $3000 balance opened 7/13 no lates. Car loan paid in full set to fall off 4/13 no lates My negatives: BofA DOFD 09/08, settled for less t
  13. Picture of this account can be seen here: https://picasaweb.google.com/117986851363063351101/Creditboards?authkey=Gv1sRgCMma_YTh2vyEzgE&feat=directlink Dec 2007 acct reported CO. Left with a $22 balance, has been reporting ever since as CO on Equifax, the combined report I attached kinda confuses me a bit more because it shows Equifax reporting "OK" and Experian reporting "KD"? Thanks and all advise welcomed.
  14. Background: Three of my CCs were CO after I was laid off. I am working to rehabilitate my credit with a slim savings account. After successfully applying for a secured CC, I awakened the Cap1/Northland mutuant by giving the CRAs some positive activity and my current mailing address. Naturally, Northland sent me settlement offer a few days ago. Why this is an issue: Thanks to the contributors here, I know Cap1 keeps great records and dilligently wrecks my CR on a monthly basis. Therefore, getting this "baddie" off my CR is on the to-do list. However, I can't afford Northland's settlemen
  15. What should I do next? Progress detail below....... OC has been reporting CO and a remaining balace of $22 every month since 2007. This acct was settled for less than payoff on 2/2009. I called them explaning that this is wrong and that they should not be continuously reporting this every month because this was a settled CO. This acct is so old, they could not find proof of settlement nor do I have a copy either. So, the rep saw where the acct had been sold to a CA and directed me to pay the $22 remaining or call the CA and take it up with them. I politley requested to escalate the call fo
  16. I have four CO's I want to dispute. They are: Comenity Bank/Maurices, GE Money Bank/Belk, KCA Financial Services (Windstream), and Verizon Wireless. I identify KCA Financial as being the only CA. (All of these are paid CO's and due to fall of late 2014, early 2015.) The jackattack is only used for CA right? (Have disputed with CRA's and came back verified.) Is jack attack and 1-2 punch the same thing? What method should I begin using for dealing with OC? (OC TL's have been disputed and came back verified by all three CRA's) Should I begin asking CRA's how they verified or should I ask fo
  17. I have two paid charge-offs on my CR that I want to remove..after some research I have come across a few methods. I am deciding between the Jack Attack and Doc's Nutcase letters...which is most effective initially? The two paid COs are from Victoria's Secret (WFFNB) and Macy's (DSNB). Thanks!
  18. I wanted to post this here instead of in the main forum. Short version: We had a Capital One repo in Feb 2011 that left a $143.00 deficiency chargeoff balance after the vehicle sold at auction. Believe it or not, we were in no shape to even pay $143.00 at the time. Our goal was to keep the other Cap One auto loan we also had (and still have) through them that is nearly paid off and has been current for two years now. Midland took the deficiency and racked up over $1000 in fees. I've emailed Capital One executive offices and asked them to work with me to recall the account so I can pay
  19. Good Morning, Newbie here.. Found this site last night, and have been reading for hours trying to gather all the information I need. Lot's of good info, very overwhelming I may add. lol Here's my situation, hoping someone can help. I've got two CC that are CO. One being with Capital one, who still holds the account. And the other with FFBUSA who have since sold it to a Debt Collector. I'm in the process of rebuiling my credit. Both account show that they will be removed from my credit in Dec 2015.. (almost there) I originally convinced myself I would just wait and wait and wait until they
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