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Found 5 results

  1. So, I logged into my Walmart account today to check my balance as my statement cuts soon. I saw a late payment fee. I'd let $2 report and was completely sure that I'd paid it the day after, but I apparently did not. I just got done setting alerts in my calendar for all payment due dates (should have done that already.) Lesson learned. I just received an auto cli from $400->$1000, so I was going to click the luv button in March. How bad have I shot myself in the foot here? Might I be better calling the UW when the time comes, and explaining myself? Feel kind of ill about it. But on t
  2. Hi all, new here. I was approved for a conventional mortgage in May, with a credit score of 690. The seller backed out and that same week, I ended up needing to take care of an aging parent in another state; this was really stressful, and while I was gone, I made the unfortunate mistake of missing a payment with Carecredit. and now I have a 30 day late showing on my credit. It was a really bad oversight. Anyway, I am back in the market for a house again. I looked at CreditKarma and it says my score is between 639 and 665, which is a significant hit for one late payment. However, I checke
  3. Hello everyone! I am so happy I found this forum. After reading success stories I hope to improve my credit situation as well. Little background: I am married with kids and taking classes in school but right now we live off 1 income, so times have been pretty hard for us, there were days when we didn't have any money at all and all the credit cards have been maxed out...we were living paycheck to paycheck. It's a little better now and I wanna get my credit fixed. I have 1 charged off account from IBC bank, i withdrew money during hurricane Ike and never paid pack so they reported it in 2009. I
  4. My dilema: I have an auto loan with US Bank originated in 2010, refinanced with them in 2011, have been current with all payments. I always make my payment on 21st of every month, due date 22nd; but I suffered some tramatic events in 2013 and some how got behind a payment but not technically 30 days let, since I make my payments one day before the due date, The 22nd. I made a payment on 12/21/2013 via my ipad. There was a data entry problem, US Bank tried to process the payment and was rejected for invalid account number. I was notified by US Bank and I immediately made the payment. A week
  5. I will try to make this as to the point as possible: A number of years ago, a lot of stuff happened and I ended up getting screwed over by family which caused me to run up a lot of debt. Then a couple of years ago, I had a high amount of debt on one of my American Express accounts. The catch with this account is that it has to be paid in full every month. So I was paying $1,000 a month to pay this card off, but because that wasn't the full amount, I was getting hit with a late payment to my credit score every month for 6+ months. I called and talked to them when this first happened and at
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