Jump to content

Search the Community

Showing results for tags 'newbie'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • Intro & News
    • Please Read Before Posting - NEWBIES START HERE
    • CB gets Press!
    • CreditBoards Success Stories
    • Newbies Section
  • Creditboards Main Forums
    • Credit Forum
    • Medical Billing & Medical Collections
    • Bankruptcy
    • Foreclosures/Loan Modifications
    • Chexsystems Help
    • Debt Consolidation, Counseling and Management
    • Military Credit
    • Canadian Credit
  • Financing
    • Mortgages
    • Automotive Financing
    • Student Loans
    • Business Credit
  • Money Management
    • Money Management
  • Special Topics
    • VISA MC policies
  • Resources
    • Laws Laws Laws
    • Where can I Find?
    • CaseLaw
    • State Laws
    • Debt Collector Hall of Shame
    • Identity Theft
    • CreditPulls Database
    • Databases and Reference
    • Sample Letters
  • Misc.
    • General Discussion

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Website URL


ICQ


Jabber


Skype


Location


Interests

  1. I’m newly separated and I’m trying to re-establish my credit and financial independence. There are 4 collections on my credit report that my husband was responsible for when we were together in 2020. We both had extensive blood work done by a lab of which he was paying. We separated and he has not been paying so it went to collections and showed up on my report. I just disputed them online a few days ago and am waiting to see if they are removed. It has my name and not his. Is it even conceivable they will be deleted? My score is in the 500 range right now. I don’t have much credi
  2. Hi Everyone, I have been at war with the big 3 for a few months now. I have had success with equifax and Transunion removing old addresses. However Experian just will not budge. Ive tried letters and calling and have gotten no where. My question is: Is it possible to dispute baddies off Equifax and Transunion, and once they remove items, to send some sort of follow suit letters to experian to get them to comply if the other two did? This is all hypothetical of course. I have not started disputing yet. Any advice would be greatly appreciated.
  3. Hi Everyone, I requested hard copy reports from all 3. I just received my Trans report in the mail. To my surprise my report does not include date of 1st delinquency nor does it show any address identification numbers . Has anyone else had this happen to them? Do I need to request another report? Im so butt hurt, I was eager to get things rolling. Any help would be greatly appreciated.
  4. Hi, I've gone into a bit of credit card debt that I cannot pay. 4 separate cards totalling around 25k. Amex has just emailed me saying that my account has been transferred to Zwicker & Associates for collections. I have basically no assets, just a cheap old car and household items. I moved out of the country a year ago and unfortunately have had trouble with work due to Covid and starting over here, so I ran up my credit cards. How should I respond to the coming collection letters and what are my options from here? Thanks so much.
  5. Hi All - I am new here. We are looking for help on how we can move our high APR CCs to 0% with a BT to new cards. We have the following CCs with CL info. We are looking to do BTs to 0%. We opened a couple cards but got low CL, asked for a higher CL but were denied. We opened up US Bank cards to do BTs but got CL of $500 - 600. I tried asking US Bank to increase our CL to no avail. I thought we can leverage our open CL's on other CC, meaning I can lower the CL on a Citi card with 0% util and they would give me more but the CCC said it would not help. One thin
  6. Almost 40 days ago I sent in 3 dispute letters to all 3 CRA's. I received nothing back from EQ, EX sent me a copy of my report with no changes or notes, and TU deleted 4 accounts. Is there any way to leverage TU to help with the other CRA's? Thank You for any help!
  7. Basically, below are the baddies on my reports. I know I can't do much for the lates, but I'm hoping I can work on the other ones. I’ve been lurking and researching, but not sure what to start with. Any help is appreciated. Equifax Lates: Auto loan – 10x in past 2 yrs. 8 Navient Accounts – 7x in past 2yrs. (although was in forbearance) 2 Utah Higher Edu Accounts – 6x in past 2 yrs. (must verify if was in forbearance or deferment) 1 ACS Group Account – Sold in 2016, shows as closed and current status of 120 days past d
  8. I have an AMEX charge off from 2017 its paid but I want it off my reports I've called them but the guy on the phone just kept saying nope can't take it off even if paid. I've even tried disputing them because they were reporting the wrong info but they just update with the right info. I was able to get approved for a different AMEx card two months ago so I know I'm not blacklisted I was wondering has anyone had any luck with something like this.
  9. I finally decided to attack my credit issue rather than pretend they don't exist. Here is the situation Here is my CreditKarma information... TransUnion and Equifax (both show the same items Credit Cards $0 I have a $500 secured Discover IT card that I used for YouTube TV payment and that is it. Between 10% and 30% utilization opened May 2020. My mother added me as an authorized user to her Costco Capital One card that has perfect payment history, 8 years open and a $15,000 limit. Collections $5,317 Armada Corp Total Accounts 6 (medi
  10. Anyone have experience pulling medical collections back from the credit agency and start a payment plan with your HC provider? Or negotiating with a HC provider for items already in collections and paying the HC a negotiated monthly amount or a one time negotiated payment then doing WhyChats system if the items are not removed from collections? The reason I ask is I have over 9 open accounts with Armada Corp (CA) totally over $15,000 and I am looking for the most efficient way to get this removed from my credit report. Thanks, BFee
  11. Trying to help a friend and not sure what to do. They were just served with paperwork from the Courts in Osceola County, Fl. It was filed by Raush Sturm on behalf of Sears for some appliances purchased almost 5 years ago. The account was interest free and when it came time to make the final payment it was offered to Sears to split the final payment within 7 days of each other to clear the account. They refused and final payment was not made. In the documents they included only 1 statement which shows a balance now due of $9027.70 as of 1/9/2019. Currently she has 10 days to answer the court c
  12. Hello, everyone. For the past week or so, I've been reading up on ways to deal with a CA that recently showed up on my credit report. I stumbled upon Why Chat's HIPAA program, read through it, and while it's quite clear, I just want to make sure it is the right thing for me. I'd also like to use it to ask potential follow up questions along the process. It showed up on my credit report June 28th, with a Date of First Delinquency of February 20th, 2017. At the moment, it only shows up on Equifax and Experian. It's from a hospital visit in California, and I am from and cu
  13. Hi CBs, I'm a newbie and after reading all the newbie forums I hope I'm doing this right. This is my first post. I just received a Notice of Intention To File An IRS 1099 -C Form from a CA - Offices of Taylor and Associates. The notice says that they are the legal owners of the account referenced in the box below. The box includes the OC name (Bank of America), and account #, the CA name, charge-off balance $1719.21, Interest $2751.68, Total amount owed $4470.89, charge-off date 3/3/2004, and client claim number. Then the CA offers me two settlement options lo
  14. In 2016 and parts of 2017, I've had a few credit cards go into collections. 1. Credit Card from a bank is about $20,000.00 2. Credit Card from a store is about $5000.00 3. Credit Card from a bank is about $5000.00 4. Credit Card from a bank is about $3000.00 At the time I was not working and did not know about negotiating/settling . I am now working, making about a small $33K a year. Should I pay off this debt? Do I call the collection agency's and pay it off? What's the best route to take? Best
  15. I'm at a 802 credit score. I've never been in collections and while I have debt, it is all student loan debt that I am paying. I've never had to help someone with bad credit before. We are both in our late 20's. Her score is around a 630 transunion and 700 equifax. I finally got a new job and moved my fiancee from Texas to NY. We are interested in getting married and getting a house/moving for her degree in 1 to 3 years. She does have some credit problems that we would like to take care of. She's never had anyone tell her how to handle credit or anything, so she is oblivious to it
  16. I am looking for some advice. I am able to make all of my payments, but I feel like I'm spinning my wheels and getting nowhere. At the end of the month, I have approx. $290 leftover as "discretionary income", but this goes towards gas, groceries, etc. Any extra cash I get, I throw at my debt, but that means I have $0 to add to my savings. Since I have $0 savings, anytime I have an emergency (like a medical issue), I end up having to put it on a credit card, pushing me futher into debt. I would like to avoid bankruptcy, because I don't want to lose my car or house. With $16k in credit card debi
  17. Hey there everyone! I've been a lurker for way to long and decided it's time to get to rebuilding my credit. Thank you to everyone who has contributed on this forum! It has been a help to many and will to me also. So here are my details....🤕 Background About May 2014 I lost my job of 5 years and my apartment all in a 30 day span because life happens of course. I had some savings to stay afloat but it ran out and I couldn't run to a well paying job like the one I had fast enough. Hence, my credit went down the drain over the next year. Baddies I sucked it up and went
  18. Hi, this is my first post here as I'm kind of stuck in a situation and need help. After moving out from my previous apartment in Indiana, I forgot to pay the electric bill (Duke Energy) for the final month which I did not realize until 4 days ago when I saw a collections record on my credit report. Now I did not receive any communication from the CA or OC regarding the debt until I saw the CR. I have not yet talked to either the CA or OC, but I’m more than willing to pay the whole debt amount ASAP, but would like to get the collections record removed from my CR. I’m a foreign national and do n
  19. I have an account from Ocwen ( mortgage company )that have late payments from 3 years ago. the account is closed and paid in full but I have massive amount of late payments I been disputing this account for a year it finally The account was deleted from my Equifax report bringing that score up to 807. My fingers are crossed because my Experian have 3 more days to get deleted. But my TransUnion was updated as accurate leaving my score 709. My question is> If I dispute the TransUnion account again will Experian and Equifax update showing late payments again? I think this happene
  20. Hi, I'm new here and got a notice from a credit agency on my private student loan. It's been 3 years since I last paid as I was contesting the amount and got sick. I signed for the loan in D.C. and the loan originated in OH. I now live in OH. I also stopped paying while I lived in NY (before I moved to OH). I just got a letter from a CA based in NY state (don't know if the CA state location makes any difference). My question is which SOL will apply? OH, NY or the shorter DC SOL of 3 years? OH has a number of SOLs, 6 years, 8 years so I'm not sure which SOL would even apply to the promi
  21. I have a new business and am looking to get a business credit card. I have a mid 700 credit score and I have a navy fcu credit card and a citi credit card that I have received within the past month. I also have three au accounts on my report. What card should I be applying for
  22. I have Ex 710 but my TU and EQ are crap. My driving record is clean and I'm over 40, my rate should be low but amfam is using my TU score and thus my premium is nuts. When I called a person working in my agent's office she said they draw from all of them which I know is not true because I just got a letter from my insurance company saying that they had just pulled me on TU to rate me. So rather than call all over the countryside and get the same answer from people because they don't know what I'm really asking or they don't actually know the information I'm looking for, I'm asking here because
  23. SORRY IF THIS IS TOO LONG WINDED! I'm in my early 20's looking to clean up my credit due to some naiveness as an 18-year-old. My goal is to get to a point where I can be approved for higher level credit cards and eventually buy a home. I've read most of the posts in the newbie section and am preparing to start sending letters, but I wanted to run my strategy by someone first and hopefully get some advice. The collection I am referring to is below: Afni, Inc. ( Cox Communications ) - Reporting on TU and EQ Amount: $523 (same as the amount from Cox) DOFD: (not reported on
  24. Hi everyone! Just joined the community after hearing great things on an number of personal finance forums. I'm trying to rebuild my credit so that I can get a good mortgage hopefully by the end of 2020. Specifically, I'd like to increase my score from 568 to above 700 -- I know that's ambitious. Some positives. Several weeks ago, I paid off the remaining balance on my CC debt. I'm now in the middle of consolidating my student loan debt, which racks up to about $42K. I'll begin making monthly payments as soon as that process is complete. The not so good. The student loa
  25. 🤨WHAT SHOULD I DO NEXT TO BUILD MY PROFILE 🤔 5YRS/OLD BUSINESS ONLY 1 TRADELINE REPORTING TO D&B : SPRINT BUSINESS CELL PHONE PAYDEX 80 VIRTUAL ADDRESS THROUGH IPOSTAL 1800# THROUGH GRASSHOPPER NET 30 VENDORS QUILL ULINE SUMMAS _ CREDIT LINE $1000 BP UNIVERSAL GAS MASTER CARD _ CREDIT LINE $500 SPRINT BUSINESS PHONE GRAINGER SUPPLY WORKS DENIED FEDEX OFFICE Thank you for joining FedEx Office. During your enrollment; you requested a credit account for print. Using the inf
×
×
  • Create New...

Important Information

Guidelines