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Found 5 results

  1. I was wondering if it wouldn't be a good idea for some of the CB "Master Threads" if they could be consolidated and refreshed as we are at the beginning of a New Year. While I know it's fun to make the newbs read through 550 pages going back to 2006 (and to show their dedication to credit repair) I think it causes some folks to make critical errors when they think they found the solution on page 305, but on page 476 the process reverses and now the info they implement is terribly bad. I'm sure some will argue the information is purposely buried and must be mined to avoid any of the third p
  2. I have a question on wording a settlement offer for a hospital on a medical debt. I have a settlement letter that will serve as an agreement for a regular cc debt, but I don't know if I should use the same letter or add extra wording to include HIPAA rights or so on. Backstory, which you will find on my other posts: Hospital original charge $3900, been paying for over 2 years now down to $3500, sent to collections. I have spoken with the manager of the billing department of the hospital and we reached a settlement lower than original amount and they have agreed to retract the account
  3. In 2003, I got a joint Best Buy card with my momma so I could purchase a laptop for schooling (I was over 18). We have moved multiple times over the years and the account is still active/used by my parents for big purchases. I am in the process of getting all my old addresses, names, work history, etc removed from my credit reports. The address on the Best Buy card has been changed/updated to our current address (obviously, as it's being used). This is also my oldest card, at 10 years 1 month. Did the address update for both of us for reporting on our credit reports? If I remove that old
  4. Some of you may have read my post about helping my friend with an issue concerning how US Bank is reporting the account history. When I compared the online credit reports, TU and EX have it differently, but a month apart. So let's use an example going back to 2011, TU has it:July (90), August (30), September (OK), October (30) while EX has it: July (60), August (90), September (30), October (OK) In other words, the Experian is always a month behind TU. As my friend has no other baddies in the last 24 months, nor do I or my GF, I have no way of knowing if this is a commo
  5. I would assume that higher income means greater opportunity for credit, higher limits, etc. Other factors matter too, of course. My reason for asking is my GF has had a pretty meteoric rise in income the last 5 years, going from around $40K to just shy of $100K. My question is, how do creditors KNOW that other than you entering the information on applications? How would current creditors know so they might consider CLIs? Is this sort of like a tree falling in the forest, if no one knows or hears, does it really make a difference? Thanks!
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