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  1. So when I was 18, I had a bank account with Wells Fargo for school, that my Grant went into. I was young and careless, and I spent beyond my means. Overdrafting several times. When I stopped going to school I never made another payment and now I'm stuck. I have this Wells fargo account in collections, it's been that way for 4 years, I have a Victoria's secret account that I've made a payment on in the past but can't find the information for seeing as I've moved since that's been there for 4 years as well, and as of 2013 I've got a 12k medical bill from being sent to the hospital and held there
  2. Hello All, As is said by many, this site is truly a godsend. I cannot commend you all enough for taking the time out of your schedules to assist people with rebuilding and understanding their credit. Thank you so much. I've been reading for awhile now and thought i'd take a stab at my first post in hopes of reaffirming the direction I think i should head. I get a bit overwhelmed when trying to figure out where to start. 1.) I've opted out 2.) I've sent letters to all CRA to remove old address. Below i've put on an excel spreadsheet the baddies on my account. I'm really ho
  3. Good morning I have decided the time is now to begin the long and tedious process I have begun reading about. I have acquired my credit report in paper form and I am now reading through the beginners section. I am currently reading through "PsychDoc's Credit Repair for Beginners" and will begin writing all over copies of my credit reports as it is directing me to do. I just wanted to say hello and thank you for any help you can offer. I do have a question though. Is it better to attack all of my bad listings at once or one at a time? Is it a personal preference or is there a reason to
  4. I'm a long time lurker and reader of CB for many years and I have finally decided to take the plunge and tackle this credit monster finally. I have been reading reading reading and implementing the preliminary steps to begin this process. Here's where I am so far and I am a bit stuck as to what my next move should be. 1. Ordered all 3 hard copy reports (all 3 in hand and ready to go) 2. Opted out 3. Removed all old addresses from TU & EQ.........Experian is giving me a heck of a time and I need to know if I should move forward or continue to try to get the addresses removed?
  5. I have two hard pulls on my credit report from the SAME company, on two consecutive days! I did not approve of this? How do I get it removed? Thanks
  6. So I need assistance dealing with Capital One, opened an account in 2011 to help rebuild my credit score after post-college debt. I was approved for $300 and always paid it on time. After returning to the country in 2012 from deployment abroad, I started using the card and paying it with a joint account I held with my grandmother. Capital One flagged for account verification and potential fraud. After several attempts to verify my account and identity through email, fax, and telephone. I gave up with a $0 balance on the account and I didn't recieve anything for 2 years from them, hoping they h
  7. Hi all, I'm 24 years old with student loan debt. I've got $20,000 worth of loans consolidated and another $17,000 of private loans from Sallie Mae that have gone into default as of July 31st. The debt collector has offered me a settlement of $9,600 but at the moment I cannot pay this. I have finally landed my first professional job where I'll be making $48,000 annually. However, I cannot pay the $9,600 at the moment and by the time I can save up that amount working it will be too late. My credit score is so bad from missing all of my payments that obtaining a line of credit to pay off the
  8. Hello! Credit Card Question! I currently have 3 open credit cards. 2 of the cards have a balance of $0 and a limit ranging from $100-$300.The last card I have happens to be the oldest card on my credit history with a limit or around $3000, however has an 89% utilization. I was added to this card to help build my credit while in college, however, was never the primary user of this card. Needless to say the 89% usage has not been a result of any charges I have made to the account. I was advised previously not to remove myself from this account because it was the oldest on my accou
  9. Hi I just applied for the bank Simple.com online and was declined. The Reasons from chexsystems were as followed: Credit Score: 0532 Score Date: 7/30/2014 5:25:52 PM The key factors that adversely affected your score are as follows: ASSET OWNERSHIP HISTORY CURRENT ADDRESS CHANGE HISTORY DDA CLOSURE PAYMENT HISTORY DDA CLOSURE(S) 1 previous inquiries by 1 Fl(s) My credit score has never been this low before and I just had a credit report done 2 years ago and it didn't say any of these things. So i'm curious what these mean. I know I have
  10. I have a hospital bill of $3500. Collection has been disputed and verified. I have been paying off and on, when I have the money, for two years (to the hospital ONLY). My husband and I both acquired second jobs and we are now ready to tackle this collection and get it off my CR. We will have all of the money by April of next year at the latest. My Questions: Should I just save up the money and make one payment to the OC with the HIPAA letter? OR Should I start paying what I gather monthly to the OC and make the last payment using the HIPAA letter? My fear is the hospital suing me fo
  11. Good Afternoon! I am new to this whole credit process...in terms of cleaning it up. I have a very low credit score with no open credit cards. I need too know how to obtain a credit report with all three scores listed....for free if possible. Then how do I begin deciphering through where to start? Someone help, please. Thanks!
  12. aye Board good afternoon, im looking for any advice any what so ever! i have an account from verizon fios that was open from my brother, at time i didnt know about it. but he had eventually told me.... long story short he cancelled acct got in his spouses name but i was charged a early termination fee..... but this just showed on my credit !! but he didnt have my social! anyway to dispute? agree to pay if they delete ? anything ??
  13. I was declined for a discover it card, reasons being: % of balance to credit limit too high on revolving accounts Length of time accounts have been established Proportion of loan balances to loan amounts is too high What is the best course of action to get an approval? What are discovers requirements?
  14. I need help. I am trying to do the right thing and get things, financially, back in order and under control. I seem to be having some success resolving some issues, but I need guidance. I need your help. I was young. I was dumb. I am paying for it now. I have recently decided that I can overcome my mistakes, and finally picked up the phone and set up some payment arrangements. It wasn't easy (for me), but I did it. I think what had stopped me from doing it sooner was really my pride and my embarrassment rolled into one. I bit the bullet, and the parties were willing to work with me, to
  15. I have been reading Credit Boards for a while now and it has helped me so much! I have an account that Portfolio Recovery Associates purchased from Capital One. Now they are listing it on all of my credit reports and so is Capital One. Capital One's does say sold charged off. Can they do this. I found on here that Portfolio Recovery Associates is easy to remove because they dont verify. They did verify so I filed a BBB complaint saying that they are listing this and so is the original creditor. They responded saying they want to see my credit reports. I want to respond with as much info
  16. So here is where i am at. I was pre approved. I found the house that I want. Real estate agent says Now I need to talk to my lender about the FHA loan and how much seller concession is allowed. What other things do I need to put into the contract? Will I need to put down a deposit?? When will they require me to put down a deposit if one is required? What do I need to know?! Im so scared and excited.......we will draw up the contract tomorrow. Thanks!!
  17. Hi All, I've been cleaning up my credit in preparation for a mortgage app next year. I thought it might be a good idea to get versed in the mortgage lingo and figure out a strategy. I've been reading random threads, but it would be nice to have an overview. Is there a newbie section or a place to get up to speed? Thanks, Tanika
  18. Hi all, I've searched and I can't find a general consensus on the boards. I disputed 4 TLs with each of the 3 CRAs. I was very specific in my disputes, "Monthly amount not provided", "Open date of jan 23, 2009 incorrect, please change or delete". Of the disputes, only 1 came back as deleted and that was because the CA didn't respond in time. Major failure. I'm wondering what should be my next step? All are outside of the SOL for Cali. Most are parking tickets, cc's, and a couple cable/cell accounts. I've offered to PFD for most of these, only to hear that they 'don't do that".
  19. When the statue of limitation is up do I still have to pay off the bill in order for my credit score to improve. And I have things removed from my credit report will my score improve. What should I do?
  20. I am starting my TU B* journey. I've read many, many threads and feel like I'm ready to get started. There is only 1 inquiry on here, but I figure I'd start with TU get the skills down and then move on to EQ, which has a whopping 7 inquiries. Here is what I have. Last hard was on 2/14/14 Pulling softs since 2/20 using * MPM (daily) * SCP (daily) Random Softs * Credit Karma (2/12, 2/28, 3/7, 3/14) * Walmart Fico (3/5) I *believe* I’ll hit 65 on 3/31/14 (Based on a spreadsheet and some hope) Does that sound right? Any other daily pullers I could use. Wasn’t sure if it made
  21. I am trying to buy a house. I have spent the last year working on my credit getting it up to this point to where I can buy a house. all I had left to do was get a few dispute verbiage off I have since completed that. now I all of a sudden have an old tmobile account from 2007-2008 that just went and posted a collections on my credit report, with on knowledge to me it may be my debt but I don't remember this what should I do I am just about to start my house hunt will this affect me. should I pay it please someone help
  22. Hi CB, I have been lurking for about 3 or 4 months reading everything that I could find on here. I have been attempting to plan my attack on my bad credit. Most of my bad debt is less than one year old so I want to make sure I don't accidentally end up in a courtroom. I pulled together my statements and letters from the ca. I have a fico 3 bureau report and time. Here are the damages: CA: CRS AMT: $100 LEND: MHC STATUS :Collection Acct Date Assigned: March, 2013 Acct holder: Individual Medical CA: CACH, llc Capital One/Best Buy AMT: $65
  24. So a little background. I had a repo in 2010 when I was recovering from job loss from citifinancial which was bought out later by Santander. Enter earlier this year I decided to attempt to clean my credit. First thing I did was opt out and delete as many old addresses as I could. In mid-July I disputed the repo with the CRA's. All 3 came back verified. In August I sent Why Chat's repo letter to Santander, they did not and have not ever responded. They did however sign for it, I sent it CMRRR. At the very end of September I sent Why Chat's followup dispute to the CRA's. I rec
  25. Hi Guys! A little background on me: I was incredibly dumb when I was 18 up til I was 20. I didn't pay bills and took out a couple payday loans. The payday loans went into default around the same time I moved from Texas to another state. Once I had moved I had received a call from some debt collection agency saying I was going to jail if I didn't pay because I committed a federal offense of going across state lines or something. So I started to pay them monthly. I never asked for verification(once again I was stupid) but thought I had paid them off. I never double check. I figure anyone af
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