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  1. I haven't been around for a while. but, actually I have, just under a different SN. dice727 is actually me. (in case you missed it, the thread is here: https://creditboards.com/forums/index.php?showtopic=567281) yes, for the many doubters, sadly everything posted in that thread is real. I posted under an alias with mom's permission because I had some pending legal issues and this account could possibly be tracked back to me. so now 18 months later, all that's been resolved, I received my Chapter 7 discharge in June and am working on rebuilding my credit. since I IIB'd pretty much every major creditor around and most of the good CUs, rebuilding is going to be an interesting process. current snapshot: FICO08s are EX 584, EQ 606, TU 573. I have no personal revolving accounts open right now. I didn't reaffirm the mortgage, so that's not open either. I do have open student loans. I am an AU on one open Ann Taylor account of my wife from 2003 with no balance and $3650 CL. I do still have some older paid/closed accounts on my report which helps my AAOA along with the student loans. going to use this thread to keep track of progress and notes. feel free to interject any advice if you think there's something I should/shouldn't do! I rebuilt many years ago from a bunch of CO accounts, but pretty much just waited until 7 years passed and everything fell off before starting to rebuild. so this is new territory for me.
  2. A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - these people/departments have decision-making abilities far beyond frontline CSR's; they can take and review requests for reconsideration of denied CC apps or CLI requests, APR reductions, etc. and implement their decisions. I can continuously update this first post with the latest information if everyone will post to this thread. I'll make the change and acknowledge. We deeply appreciate your participation. Amazon (store card): see Synchrony (GE) AMEX: (Oasis Program) AMEX: 866-314-0237 (new app status) AMEX: 800-582-6471 (recon with frozen EX for pin) AMEX Business charge cards - (877) 399-3083 AMEX Credit Bureau Unit: 800-874-2717 (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number) Barclays: 888-232-0780 (Customer Care) Barclays: 866-408-4064 (Credit Analyst) BBVA Compass Bank: (American Express Card issues only) 866-246-2924 Best Buy: 877-420-0001 Best Buy: 888-908-9890 (Credit Analyst, existing accounts only) BofA: 888-260-4696 (secured accts.) BofA: 800-824-5895 (secured & partially secured accts.) BofA: 704-386-5687 (Office of the CEO) BofA: 888-500-6270 (Credit Dept. Fax) BofA Business: 877-665-5023 (Analyst/UW) BofA Business: 877-665-5023 (New applications) BofA Business: 800-442-1043 Cap1: 800-625-7866 (Account Specialist) Cap1: 800-951-6951 (cust. relations) Cap1: 800-548-4593 (application department; status) Cap1: 800-889-9939, 800-625-7866 (Account Specialist) Cap1: 877-513-9959 (Account Retention?) Cap1: 800-258-9319 (Debt Recovery) Cap1: 866-280-0118, 800-955-1455 (EO) (Nerfed in general) Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst) Chase: 800-432-3117 (App status) Chase Executive Office 800-242-7399 Chase Personal CC Recon 888-270-2127 Chase Business CC Recon 800-453-9719 Chase: 800-453-9719 (Business card lending) Chase Lending - 888-609-7805 (Credit Analysts) Chase: 800-242-7399 Chase: 800-955-9900 (Product change status questions) Chase: 888-298-5623 (Consolidation - M-F 8am-10pm EST) Chevron/Texaco Biz Card App Status: 888-243-8358 Citi: 800-645-7240, 800-288-4653 (Citi Business) Citi: 800-750-7453 (Business) Citi 888-201-4523 (Personal) Citi: 718-248-0847 (EO) Citi: 800-695-5171 (New Accounts UW) Citi: 605-331-1698 (EO - CC division) Citi Credit Bureau Dispute Fax: 866-713-5028 Comenity: 800-303-1368 (Consumer Relations - Recon) Discover: 888-676-3695 (New Accounts) Discover: 866-305-7691 (Direct Line TO CS) Discover: 866-222-0536 (EO) Elan: 800-364-9648 (CC underwriting, business and personal) Equifax: 800-846-5279 (Direct to Rep) Equifax Executive Office 404-885-8000 Experian: 800-493-1058, 800-208-9232 (9AM-5PM ET, need report number from EX) ExxonMobil Biz Card: 800-903-9966 FIA: See Elan FNBO: 800-444-6220 GEMB: 877-294-7541 (escalated help desk) Haverty's/Sync: 800-333-1082 Home Depot Store Card: 800-677-0232 (Credit Analyst) Home Depot Store Card: 423 467 6957 (App Status/Recon) Home Depot MC (Commercial): 800-720-0649 Home Depot: 800-685-6691 (Commercial) Hooters: 801-545-6705, 800-850-4668 HSBC: 866-574-4421 (App Status) HSBC: 866-719-3897 (Credit Analyst) JC Penney: 800-542-0800 Juniper: 866-408-4064 (Credit Analyst) Juniper/Barclays: 866-750-6031 (Corp. Offices) Key Bank: 888-201-4523 (App status) Key Bank: 800-254-2737 Key Bank MC: 800-288-4653 Key Bank Credit Research Fax: 216-357-6400 Lowes: see Synchrony (GE) Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues) Macy's: 800-543-9617 (Recovery Services) Marvel: see Synchrony (GE) Meijers MC: 801-517-5560 National City: 800-762-0974 (Credit Dept.) Nationwide Visa: 866-757-2720 (App. status) Nordstrom: 800-964-1800 (CLI) Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker) Philips 66: 866-289-5630, 800-610-1961 PNC Bank: 800-762-2117 (Business CC) PNC Bank: 877-562-0150 (Business UW) Sam's Club: 800-301-5546 (Underwriting) Sears: 800-599-9710 (App status) Shell Fleet Card: 800-223-3296 (App status) Shell: 800-223-3296, 866-438-7435 Shell: 800-377-5150 Staples: 800-767-1291, 800-282-5316 Sunoco Corp. Card: 800-935-3387, 800-278-6626 Sunoco: 800-310-4773 Synchrony (GE): 800-240-0512, 800-480-0205 (Biz) Synchrony (GE): 800-588-4290 (Consumer) Synchrony (GE): 877-379-8175 (Sr UW) Synchrony (GE): 888-885-6937 (Verification) Synchrony (GE): 800-333-1082 (Haverty's) Synchrony (GE): 866-519-6441 (Marvel CC, Sr UW) Target Biz Card: 800-440-5317 Tiffany: 800-770-0800 Transunion: (312) 466-7719 (Corporate Office Resolution Team Voicemail) Transunion: (610) 546-4600 (Corporate Office, need extension or last name to search directory) USAA Bank Secured Platinum: 800-344-5696 ext 38763 (secured product specialist) US Bank: 800-685-7680 (Underwriting) US Bank Secured Platinum: 800-344-5696 (underwriters for secured product) Valero: 877-882-5376 Walmart (Sync): 877-379-8175 (Sr UW) Walmart (Sync): 877-969-5302 (Verification) Wells Fargo: 866-677-1128 (CC Executive Office) Wells Fargo: 844-576-6424 (Executive Office) Wells Fargo: 877-514-3717 (Amex Propel Credit Svcs) Wells Fargo: 844-879-4824 (Direct # for Product Change Credit Svcs) Wright Express: 888-743-3893
  3. What is the max credit card limit with USAA? I have the rate advantage set at $8500, but I want to see if it possible to go higher to help with DTI. Thank you on advance.
  4. Why Pay for someone to help you build your credit with this tool its very easy and will help you build credit back up in no time!
  5. Iv been battling this car loan late payment with Ally financial for a year now. Iv called and sent dispute/forgiveness letters to Ally trying to get the 30 days late payment removed but they wont budge. I've always paid a lil more then what's due. Because of Covid I looked up the Fair credit act to see if there's protections for us from having negative marks on our credit during the pandemic but still no luck for me. Does anyone have any suggestion for me this is my only late payment.
  6. Hello, My mother recently sold her house and I am trying to help her figure out what debts to pay off, which to try and settle for less, and which to not bother with now or at all. She is looking to get another property (maybe a 15yr fixed mortgage?) and so far has a credit rating of 716, but according to the report I see the bank payoffs after the sale of the house have not been reported. These payoffs came out to about 95K. Her husband died and much of the debt is under his name, however I think due to the state she lives in, the debt is considered hers as well? The debt under his name does not show up on her report. After the sale, she has about 115K to work with, but with these remaining debts: a private loan for 10K, no interest ~4000K owed to plumbing company for repairs credit cards: ~11K in her name on 3 cards, ~1500K in husband's ~1200K owed to hospital All of the above was her now passed husband's except the 3 credit cards mentioned. In order for her to successfully purchase a new home, get rid of as much debt as possible, but still try and have something saved for emergencies or to use otherwise, what would you suggest? Is it worth seeking paid professional advice? Is there a better place to post this? Thanks for any and all help. L.
  7. Hello all. The title says just about everything. Is it known whether or not AMEX holds closed accounts against you when opening new ones? I had three (3) AMEX accounts, none of them were Gold. I entered all three in a DMP (I wanted to keep one open, but the DMP told me not to or else lenders may not accept the plan). I just paid off all three well ahead of the end of the DMP end date. To my knowledge, I have not be subject to an F/R. FICO scores as follows: EX 713 TU 717 EQ 701 I was approved for the CSP yesterday (7/23/21) so I will have a new account lowering my AAoA. I not looking to apply for the AMEX Gold for a few months (depending on your feedback). Thanks! Sent from my iPhone using Tapatalk
  8. Finally posting on this forum after gawking for a while. 🙂 I've been working on my credit repair the last couple of years and am kind of at that point where I'm not sure if there is anything else I can do but wait it out. Had a medical issue back in 2016 / 17 which contributed to somewhere around 12 account charge-offs and a car repossession. Over the past year and a half, I've been aggressively paying the accounts off (all are at zero balance, settled), disputed as many as I could (several fell off, am doing another round this month), opened five rebuilder / secured / sub prime cards starting two years ago (Citi Secured, Self Secured, Cap 1 Secured, Cap 1 Unsecured, Credit One Unsecured), did the Self Lending self loan (like 6 months left on that one), Experian Boost, have had a high interest car loan the last two years, am about to replace it with a newer car loan at a lower rate, and obviously keep cards paid off every month and paid on time (*accidentally had a 30 day late when I was changing banks and forgot to update the account that was on autopay). Looks like stuff starts aging off in 2023 and 2025. Scores went from the low 500s to 696 Trans, 712 Equifax, 625 Experian. The problem I'm having is that even with everything settled, zero balances, and "good" scores," I'm still in purgatory when it comes to getting an actual decent points card. Capital One gave me an unsecured one a few months ago, but it's a $300 limit on a non rewards card. And since I already have two cards with them (one which is my oldest card now), even though their my "best bet" in the nearterm for a better card, i'm at their card limit. Goal Cards in the future are Chase Sapphire, AMEX Blue, AMEX Gold, and Citi Premier. Current plan is to just keep sending dispute rounds every few months, keep balances at zero, not apply for anything new at least until early 2022. Is there anything I'm missing? Anything I can do sooner to help compensate for the scars from the past on my credit report?
  9. Hello, Does anyone know either by experience or with a good degree of certainty if American Express (AMEX) will decline card membership if you have ever filed bankruptcy against them? I have read somewhere that they keep a permanent “barred from membership list”. Is this right, no. However, as you probably know a financial institution may choose to do business with whomever they choose (a rather broad definition). I have read that even if an American Express account has been fully-discharged by a successfully complete bankruptcy case, they will no longer choose to do business with you. The reason I am asking is twenty years ago, I listed them as a creditor in my Chapter 7 bankruptcy case. I would like to apply for membership in the future when my current FICO is a bit stronger. However, I do not want to burn a hard-inquiry only for it to be declined. I apologize if I am not posting in the correct area. Thank you.
  10. I haven’t logged on in a bit, but I’ve been gardening and bringing up my score after my BK discharge in 2019. I applied for a Lowe’s account and got a 7-10 day message with a reference number. I noticed that my credit was not pulled. When I called them, the overseas customer service rep transferred me back to a stateside fraud analyst. They made me go through some website to record myself for five seconds and the take pictures of my drivers license. After that, the verification website instructed me to call in with a passcode. I called back in and the woman put me on hold. While on hold, I got notification that my credit was pulled and then she comes back on the line and says “Congratulations” and provided me with my credit limit. I forgot the exact amount, but it has a weird limit ending that ended in 37. It was under 5k and was something like $4,537 or $4,837. I was thrown off by the last two number as I’m used to it being 00. 1) Has anyone gotten a seemingly random credit limit with Lowe’s (Synchrony)? 2) Has anyone gone through that verification process before? it’s been about 18 months since I applied for a credit card and this is my first store card (other than Kohl’s since I shop there for work clothes). Feeling out of the loop all of a sudden. Lol
  11. Wassup y’all, I went through a rough patch in my life when I was 18 and overcharged the freak out of a kohls charge card and it went into collections. I paid it off and now i’m thinking🤔, how can i get that removed off my report since i paid it off. I know i should’ve tried to write a letter to them saying if i pay it off they’ll knock it off my credit but i wasn’t thinking back then. Is it to late to contact them and ask to get it removed if possible? Im not tryna wait 7 years i’m trying to get a house next year y’all.
  12. I had a NFCU cc of $25,xxx (25k) charged off in Dec. 2018. During my small business startup and struggles I tried my best to stay afloat. I managed to keep my NFCU auto loan ($31k, balance $5,000, never miss/late payment) and NFCU cc ( $3000 never miss/late payment) current. My Equifax lists: 12/2018 Charged off account Date of Last Payment Aug 01, 2020 (I made NO PAYMENTS or arrangements since CO. I keep little money (under $100 in my checking savings. Low and behold In August 2020 I see a 'DR Adjustment' of $1000 from my checking. After investigating I learned that a commercial account deposit I had in 2016 was credited back to me and the acct they had on file was NFCU and they snatched the grand and sent me a letter 'thanking me' for my payment of $1000. My state is NC, does this now effect my SOL? Is this legal for NFCU to take money from your checking account and update the CRA as you've made a payment when I did not initiate it? After this eye-opening moment, I did some research and it's my guess that NFCU loan terms have 'cross-collateralization' verbiage. When my NFCU auto loan is paid in full, will they send me the title or 'hold' it until the CO is paid off or settled for agreed amount? If I settle at a percentage of CO before auto loan is paid, will I get the title once auto loan is zero balance? I reached out to NFCU collections and got an offer to settle the co acct for $4000, so including the $1000 they already debited, that 20% of the charged off amount to stop the collection process. I'm assuming even with all the lawsuits NFCU has been a part of since 2016 to present, PFD is not an option on the table as a counter offer. I have the means to pay $4,000 to them within 10 days, besides my CRA showing 'paid, settled for less', how will this effect my credit and score? I know the general opinion on CB is that NFCU is GREAT and one should try to stay in their good graces, but it seems things there have changed for the downhill since 2017 and with a recent whistleblower lawsuit concerning their mortgage underwriting practices... their home loans advantage could also suffer in the near future. Personally at this stage, I'm not '$25k-in-love' with NFCU, but if you can offer reasons to sway my judgment, it will be enlightening. All in all, I'm seeking advice to get my title once the vehicle is paid off and maintaining the 'most amicable' relationship with NFCU going forward holding a single credit card, checking, and saving accts.
  13. My new strategy for increasing my credit score is to use 2 secured credit cards for my expenses though-out the month and use my checking account to pay for the cards when the due date comes. I want to stop using cash and use credit, so it can grow! Now, i’m getting stuck on when to 1. actually use my cards during the month 2. whens the best optimal time to pay back from my understandings i need to pay when i have a balance due (Due date is the 18th) and not the current balance, so that they can see i’m using my card, is that right? Or pay when the new statement comes out (21st of each month is when I get a new statement in my bank app). I just don’t want to be spinning my wheels thinking i’m doing this right, and my credit remains to same, i’m trying to get this new house ya’ll. Also i hear that some people pay multiple times throughout the month why is that, and the benefit?
  14. Hi all, I was wondering if anyone had some advice regarding the following: I recently pulled our credit and Ally Financial is showing a charge off (CO) in the amount of $997.77 for a Chevy Volt lease we had back in 2013. The amount was written off sometime in 2020 and we were sent a Form 1099-C. I spoke with Ally Financial today and was told the charges were for excess wear and tear - it was our understanding that when we returned the car this was being taken care of by the dealer - we turned the car in a month or two early with low miles and some equity in it and leased another Volt from the same dealer. The rep from Ally that I spoke with today said that even if I wanted to do a PFD I couldn't because our balance is showing as $0.00. Sooooo… based on the above and the below example of how the account is showing on our Experian CR, what do you guys suggest we do to clean this up??? Any help, advice, guidance would be greatly appreciated. THANK YOU in advance! This is how it's showing on our Experian Report: Account Name: ALLY FINANCIAL Account Number: ######XXXXXX Account Type: Auto Lease Responsibility: Joint with XXXXX Date Opened: 5/30/2013 Status: Paid in settlement. $998 written off. Status Updated: Aug 2020 Balance: - Balance Updated: - Recent Payment: - Monthly Payment: $0 Original Balance: $13,065 Highest Balance: $0 Terms: 36 Months On Record Until: May 2024 Payment History: Current on payments from August 2014 thru July 2017, then it shows CO (Charge-off) from August 2017 thru July 2020, and finally it shows CLS (Closed) August 2020.
  15. 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 to MyFico to get a real snapshot of my situation after pulling my three annual reports. At this time I have about 10 baddies on my CR s. Bank of America - CC that is a CO 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 to MyFico to get a real snapshot of my situation after pulling my three annual reports. At this time I have about 10 baddies on my CR s. Bank of America - CC that is a CO DOFD - 12/2014 DOLA - 01/2015 CL - $2,100 Deficient Balance - $2,342 Getting emails over the last few month directly from CCC trying to settle the account. Started at $1,200 or so now trying to settle account for around $700. Account falls off report in 2021. Capital One Auto Finance - Auto Loan that is a CO DOFD - 11/2018 DOLA - EQ shows 09/2018 and TU shows 07/2019 Deficient Balance - $11,767 after repo and auction Offered to settle for $2,354 in 08/2019 via lump sum or payments of up to 12 installments. Delta Community Credit Union - Auto Loan that is a CO DOFD - 08/2014 DOLA - EQ shows 08/2014 and TU shows 06/2014 Deficient Balance - $1,881 after repo auction Never offered to settle debt Dept of Ed/Nelnet - Student Loan DOFD - 04/2015 DOLA - 01/2018 Paid as agreed with only 90 days late derogs showing EQ 08/2015, 07/2015, 06/2015 TU 04/2015 - 08/2015 EXP only 08/2015 Discover Bank - CC that is a CO DOFD - EQ 04/2015, EXP 12/2017? DOLA - EQ 11/2014, TU 06/2014 Deficient Balance - $1,413 No offer to settle. CCC tried to get judgement in small claims court. CCC's attorney no showed and case was dismissed. Didn't even know about the case until maybe 2018 cause they sent court notice to prior address. Georgia Power - Utility Company DOFD - 06/2014 DOLA - 10/2015 Deficient Balance - $0 Paid balance in full after CO. Only shows on EQ on CR. Georgia's Own Credit Union - CC that is a CO DOFD - 08/2014 DOLA - 09/2014 Deficient Balance - $0 (prior $1,222) No offer to settle. Only reports to EQ and EXP. No reporting from CCC since 02/2015. Macy's - CC that is a CO DOFD - EQ 10/2014, EXP 12/2017 DOLA - EQ 07/2014, TU 06/2014 Deficient Balance - $0 Used to call like crazy but I went off on the CA and mentioned the FCRA and CFPB and they never called or sent a letter again back around 2015/2016. Portfolio Recovery - CA for OC DOFD - 02/2015 (date CA was assigned) DOLA - 08/2018 (stupidly made a payment to CA) Deficient Balance - $474 (started as $624) Made a payment in late 2018 to CA then stopped. Got a letter or two from them then they went away. OC was Synchrony Bank for a Care Credit CC. Progressive Insurance - Place with CA by OC DOFD - 04/2019 (date CA was assigned) Deficient Balance - $212 Assigned with CA Caine Weiner. Had a car repo'd and forgot to cancel the insurance. OC for car called file claim and insurance company cancelled policy once notified of the repo. In addition to the baddies I have about 8 old addresses listed under the CRAs Inquiries EQ 3 hard from two car dealers (10/12/2018, 10/16/2018, 10/19/2018) Never signed anything and it looks like dealer pulled over the phone when calling about trying to trade in car to avoid repo by Cap1 from above. 15 soft Mostly Credit Karma and Lexis Nexis from shopping auto insurance rates. TU 1 hard from 10/19/2018 car dealer 17 soft (same reasons as EQ) EXP 1 hard from 10/19/2018 car dealer 29 soft Same reason as above and some skip tracing via repo companies. Scores Fico 8 Scores EQ - 490 TU - 496 EXP - 523 Next Steps Taken Opt'd Out - 02/2020 Gearing up to get old addresses removed from CR Approved for Self Lender Account 12 installments at $48 Goals Get scores of to 600. No specific timeframe but, to be accountable 12-18 month in my case seems fair. Questions With derogs this old should I just rebuild for the year via Self Lender and maybe a Secure CC in 3-6 month and let the derogs fall off in late 2021? EXP has the complete wrong date of birth listed for me as 12/31/1987. Trying to age me I guess. Dispute this at the same time as the addresses showing proof via license? Should I settle any of these accounts? If any I would consider the Cap1 Auto loan since they offered $2358 and the balance is over $11k. PFD on the CAs or DV first? - 12/2014 DOLA - 01/2015 CL - $2,100 Deficient Balance - $2,342 Getting emails over the last few month directly from CCC trying to settle the account. Started at $1,200 or so now trying to settle account for around $700. Account falls off report in 2021. Capital One Auto Finance - Auto Loan that is a CO DoFD - 11/2018 DOLA - EQ shows 09/2018 and TU shows 07/2019 Deficient Balance - $11,767 after repo and auction Offered to settle for $2,354 in 08/2019 via lump sum or payments of up to 12 installments. Delta Community Credit Union - Auto Loan that is a CO DoFD - 08/2014 DOLA - EQ shows 08/2014 and TU shows 06/2014 Deficient Balance - $1,881 after repo auction Never offered to settle debt Dept of Ed/Nelnet - Student Loan DoFD - 04/2015 DOLA - 01/2018 Paid as agreed with only 90 days late derogs showing EQ 08/2015, 07/2015, 06/2015 TU 04/2015 - 08/2015 EXP only 08/2015 Discover Bank - CC that is a CO DoFD - EQ 04/2015, EXP 12/2017? DOLA - EQ 11/2014, TU 06/2014 Deficient Balance - $1,413 No offer to settle. CCC tried to get judgement in small claims court. CCC's attorney no showed and case was dismissed. Didn't even know about the case until maybe 2018 cause they sent court notice to prior address. Georgia Power - Utility Company DoFD - 06/2014 DOLA - 10/2015 Deficient Balance - $0 Paid balance in full after CO. Only shows on EQ on CR. Georgia's Own Credit Union - CC that is a CO DoFD - 08/2014 DOLA - 09/2014 Deficient Balance - $0 (prior $1,222) No offer to settle. Only reports to EQ and EXP. No reporting from CCC since 02/2015. Macy's - CC that is a CO DoFD - EQ 10/2014, EXP 12/2017 DOLA - EQ 07/2014, TU 06/2014 Deficient Balance - $0 Used to call like crazy but I went off on the CA and mentioned the FCRA and CFPB and they never called or sent a letter again back around 2015/2016. Portfolio Recovery - CA for OC DoFD - 02/2015 (date CA was assigned) DOLA - 08/2018 (stupidly made a payment to CA) Deficient Balance - $474 (started as $624) Made a payment in late 2018 to CA then stopped. Got a letter or two from them then they went away. OC was Synchrony Bank for a Care Credit CC. Progressive Insurance - Place with CA by OC DoFD - 04/2019 (date CA was assigned) Deficient Balance - $212 Assigned with CA Caine Weiner. Had a car repo'd and forgot to cancel the insurance. OC for car called file claim and insurance company cancelled policy once notified of the repo. In addition to the baddies I have about 8 old addresses listed under the CRAs Inquiries EQ 3 hard from two car dealers (10/12/2018, 10/16/2018, 10/19/2018) Never signed anything and it looks like dealer pulled over the phone when calling about trying to trade in car to avoid repo by Cap1 from above. 15 soft Mostly Credit Karma and Lexis Nexis from shopping auto insurance rates. TU 1 hard from 10/19/2018 car dealer 17 soft (same reasons as EQ) EXP 1 hard from 10/19/2018 car dealer 29 soft Same reason as above and some skip tracing via repo companies. Scores Fico 8 Scores EQ - 490 TU - 496 EXP - 523 Next Steps Taken Opt'd Out - 02/2020 Gearing up to get old addresses removed from CR Approved for Self Lender Account 12 installments at $48 Goals Get scores of to 600. No specific time frame but, to be accountable 12-18 month in my case seems fair. Questions With derogs this old should I just rebuild for the year via Self Lender and maybe a Secure CC in 3-6 month and let the derogs fall off in late 2021? EXP has the complete wrong date of birth listed for me as 12/31/1987. Trying to age me I guess. Dispute this at the same time as the addresses showing proof via license? Should I settle any of these accounts? If any I would consider the Cap1 Auto loan since they offered $2358 and the balance is over $11k. PFD on the CAs or DV first? Any guidance looking at my credit profile is appreciated!! 🤗
  16. Hi everyone. I just have a question on deciding if I should pay this in full or over the next few month. I had to file chapter 13 in 2015. I’ve been rebuilding since discharged in June 2019. I’ve done really good with CC’s since then. I was approved for 3k with PayPal credit. I only use it for purchases over 100 so I can get 0% for 6 months. I owe $1300 on it now. (Christmas) It will be interest free until June. I needed a an installment loan so I got $3600 via Upstart. I refused more because I just need the trade line. My question is do I just pay $350 over the next few months and put the money in savings or go ahead and just pay it in full? The total credit lines for Credit cards including the PayPal is $8750 I owe less than $1400 total. I’m going to let them draft the payment for the loan monthly and then just pay it in full at 13 months. That’s my plan and it makes sense in my head. I just don’t know what to do about the Paypal account. Pay in full now or wait and get the extra interest from savings account. any advice? I over think everything.
  17. Early during 2019 I stopped paying all of my credit debt which consisted of credit cards and loans. I started off in 2017 with good credit-- scores in the 700s. I helped my boyfriend and got very much overwhelmed. Now in addition to working with a company named Peace of Mind whose brand is about forcing a creditor to prove that the creditor owns the debt in question, I want to do some of my own cleanups. I'm familiar with the Universal Data Form relative to how it is utilized. Question: Can I use the form to submit credit challenges to the three credit bureaus. I'm so ready to achieve that 850 middle credit score!
  18. Hello everyone, I've been a member here for years and this site has helped me immensely!! This is the first time I have posted a question because I wasn't able to find an answer in the search. I am trying to refi my property but my credit scores are too low because of high balances on my credit cards. Score is 603 and all payments have been made on time and never missed (need to raise my credit score close to 700 for refi). Most of my cards are close to limit. I just received a personal loan of $44,000 to pay down my cc's but now I'm wondering which route to take: Do I pay off a few CC's or do I pay down the balances of multiple credit cards? I need to raise my credit score as quickly as possible and I'm not sure which way would help raise my credit scores the fastest? I'm trying to do this in the next week or two and do a rapid score at the end of the month. Thanks in advance for any advice! $14,000 Limit - Balance $13,549 $8,300 - Balance $8170 $1400 - Balance $1583 $15,190 - Balance $14,883 $16,700 - Balance $16,810 $6000 - Balance $9613 $7126 - Balance $6740 $5000 - Balance $5000 $32,000 - Balance $31,720
  19. 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 (medical) Oldest age of account 2019 $3,193 Puget Sound Collections Total Accounts 2 (medical) Oldest age of account 2019 $1,814 Solverity Total Accounts 1 (medical) Oldest age of account 2019 $310 Student Loans $0 Accounts Were Garnished from my paycheck and paid Closed Accounts 4 Dept of Education/NELNET (Closed 4/2016) Dept of Education/NELNET (Closed 4/2016) US Department of Education (Closed) Opened 09/2012 US Department of Education (Closed) Opened 09/2012 I have sent debt validation letters to all three credit bureaus and this is what was verified. Where do I go from here. I was added as an authorized user to my mothers credit card (Capital One Costco) about a month ago. I hope this helps my score improve but it hasn't reported yet. I saw a 25+ point boost from my secured discover card but it hasn't helped since then. Can anyone offer some guidance as to a path for a better credit score? Thanks, BFee
  20. After many years of fruitless dithering, I've finally taken action on a realistic repair/rebuild plan. I regret not taking advantage of CB a decade ago. I had, and still have I'm sure, a brain full of popular for-the-masses (i.e. sheeple) "credit education" that's just flat w-r-o-n-g. And that's on me. I am so, so grateful to everyone here and the wealth of solid information and get-real advice. Like a kid wishing for a puppy, I'm breathless with anticipation every day, because who knows what I'll find when I pop in to CB. And this week, what did I find behind Door #1? Bob Wang. For others who missed Bob's heyday, I hope it's okay to share some notes. I'm sure I'm barely scratching the surface of Bob's contribution. Here's what I gleaned. Please chime in anywhere I didn't quite grasp it. Apologies in advance if I'm off base posting like this--still learning my way around. FWIW because CB shares content like this, I'm on the road to credit recovery! What about Bob (Wang)? Bob is a no-longer posting CBer who was a number-crunching genius extraordinaire.... and he did it for fun. FUN, I say!!!! Whaaaaaa? I don't know the backstory, but Bob took it on himself to dig into how FICO scores for varying credit profiles are affected over time by the same event - changes in late payments, AAOA, % utilization, new cc, etc. He ran innumerable "what ifs" through FICO score calculators, created graphs of the results, and freely shared the original spreadsheet with his raw data. He posted his results in the Master Graphs thread (https://creditboards.com/forums/index.php?showtopic=527614&hl=+bob%20+wang&page=1). Now things that members "knew" or "felt" or "just made sense" were validated, or proved wrong, by concrete data. Members could crunch their own personal scenarios and forecast with reasonable accuracy how their credit decisions would affect them today and for years down the road. Bob was sure to say YMMV - this isn't forecasting exact scores, just providing a reasonably reliable estimation. The data had some interesting implications, like suggesting 5 cc is the optimum number for maxing FICO scores. Not that you can't have an excellent score with 2 cards or 20 cards, just that the maximum score bump seems to happen at 5 cc. Another takeaway from moneypts (https://creditboards.com/forums/index.php?showtopic=595753&hl=%2Bbob+%2Bwang+%2Bspreadsheet&do=findComment&comment=5650631): "Take home message -- you can have an excellent FICO score with little credit card debt and little total available credit. Or an excellent FICO score with a lot of credit card debt and with a lot of total available credit. But not with a lot of debt and little total available credit." So, whatever your situation, there's a graph for that. Wish you knew how being 30 days late, 60 days late, or 90/120+ days late affects your score based on the number of cc you have (1, 2-4, or 5+ cc)? What's it look like when the late first happens? If nothing else changes, what's the picture like after 3 years? 5, 7, 10 years? Or how about: What's the effect of a late payment on a perfect profile (5 cc, pristine reports) vs the effect on someone with the same number of cards, but a not-so-perfect profile -- say, there's a 30, 60, or 90 days late payment? What if you add a PR? What if your cards are ALSO maxed out? And how does that score shift year-to-year if nothing else changes? You got it - there's a graph for that. Oooooh, geeky happy dance! Have fun! Bob's Master Graphs Thread https://creditboards.com/forums/index.php?showtopic=527614&hl=+bob%20+wang&page=1 Bob's Flickr Page not all the graphs can still be seen in the Master Graphs thread or in his spreadsheet. The images might still be on Flickr. https://www.flickr.com/photos/80421735@N00/ The credit score calculators Bob used FICO: http://www.whatsmyscore.org/estimator/ FAKO: http://www.creditcards.com/credit-score-estimator/ BTW here's the MyFico estimator. It seems to be nearly word-for-word identical to the "What's My Score" calculator; Bob didn't use it. https://www.myfico.com/fico-credit-score-estimator/estimator/ Bob's Excel spreadsheet (FICO Score Effect v7.xlsx) Per Bob, "When you change the data, the charts should update. If your personal data fall outside the fixed ranges, right-click on the axes and choose "Format Chart" and modify the axis range." I didn't see charts on every tab but I'm hoping I can re-generate them easily based on the images. I think the "chop" and "bump" tabs are no longer relevant. http://creditboards.com/forums/index.php?app=core&module=attach&section=attach&attach_id=1077 "But I don't have Excel", you say...."Microsoft is evil." Agreed, but not to worry. Save the spreadsheet to your computer anyway. Next, download the FREE Apache OpenOffice software (https://www.openoffice.org/download/index.html), and open Bob's spreadsheet from there. Wallah! BTW, when the download page asks you to specify OS and version, it means which version of OpenOffice, not which version of Windows. The most current OpenOffice version is already prepopulated for you. Just choose your operating system and boogie on. Related threads "Where can I get ahold of the FICO model?" https://creditboards.com/forums/index.php?showtopic=595753&hl=%2Bbob+%2Bwang+%2Bspreadsheet&do=findComment&comment=5650631 "Credit score calculators - to be taken seriously?" https://creditboards.com/forums/index.php?showtopic=590162&hl=%2Bcredit+%2Bcalculators&do=findComment&comment=5621334 "Bob Wang's content" https://creditboards...ivity&mid=39394 "The Master Spreadsheet Spread Sheet" https://creditboards...c=499459&page=6 "The Master Higher Limits Begets Higher Limits" thread https://creditboards...opic=509099&hl=
  21. I logged on to the app to pay my bill this month (second payment of the month actually) and noticed that my Secured Visa Platinum was now listed as Graduated Visa Platinum. I also noticed that my Share Savings account now has the entire balance showing available to me. I had never heard of this card unsecuring, so I called in and they confirmed that my card is showing as a regular Visa Platinum card on their end. So if anyone else had this card, you might want to see if you’ve been graduated. I never received a letter that I was graduating nor did any of my statements reflect this. Background: I filled for Chapter 7 in October, 2018 and received discharge in February, 2019. Two weeks later, I applied for a $500.00 share secured loan and a $1,000 share secured Visa. I paid the loan off fairly quickly (around 9 months) and would either pay the Visa in full each month or carried a small balance. My plan was to keep the Visa opened for two years and then close it at the 2 year mark. In June I was approved for a Target credit card with a $500 limit. I received two CLI...up to $700 in the Fall and it’s now at $1,000. In November I applied for a Kohls store card because I live near one and shop there all the time. I was approved with a $300 limit. I’m not eligible for a CLI until 6 months passes. I did include Kohl’s in my BK. In November I got “pre-selected” for that stanky Indigo card with a $300 limit. I never activated it, but it’s still reporting. There is no annual fee. I applied for and was approved for Discover with a 12k limit. They were also included in my BK. This card has no annual fee. I then was later approved for a Penfed Power Rewards VISA with a 15k limit. i purchase a new Toyota at the end of December and was approved with 0 down with Toyota Financial at 6.9% for 72 months but ended up going with a local credit union at 4.74% for 72 months. So my post was about the SDFCU card graduating, but I also wanted to let others know that there is life after BK. My Fico 9 is currently 652 (Penfed Score) My Fico 8 is currently 648 (Discover Score)
  22. So I disputed (or so I thought I disputed) addresses off the Big 4. TU removed all addresses except for my current. EQ has my current and another non-BK address. EX won't budge. All bureaus froze. Microbilt, LexisNexis, SageStream, Chex, you name it. Try to get full verification of the bankruptcy on my file, thinking the whole Trial Rule 1005 thing would help me (this rule makes only the last 4 of your social, full name and addy public-facing). No dice. This was the response L/N fed me, including a few notes in RED. Please critique, tell me I have no chance for removal, something....
  23. 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 due. Charge Offs: Cap One #1 = $1850 from Apr 2020, but shows as open and 120+ past due UM Old Balance from 2012 – $8k Experian Lates: Auto loan – 14x in past 2 yrs. Status says: Now paying/was a charge-off 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 due. Charge Offs: Cap One #1 = $1850 from Apr 2020 Cap One #2 = $613 from Oct 2019 Trans Union Lates: Auto loan – 14x in past 2 yrs. (says C/O for Oct 2018) 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 due. Charge Offs: Cap One #1 = $1850 from Apr 2020 Cap One #2 = $636 from Oct 2019 Collections: IC Systems (Charter Communications) = $167 Auto loan: It was almost a repo. I paid past due the same day they set it out to be towed. I was 3 months behind. Why are they saying it was a charge off? What can I do? Student loans: I was in forbearance, but Navient says they no longer change credit reports. They sent me letter confirming forbearance for those months. Charge Offs: Since they are within past year, should I try to settle, pay in full, or wait a while?
  24. 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.
  25. I am pretty proactive on MyFico, so I thought I'd come here and get a different perspective on credit repair. I have read through Why Chat's Credit Confusion, and it's pretty robust. But one question I have that I cannot see addressed (other than a vague NYT article) is why "opting-out" is the first step toward credit repair? I understand the dispute process, but can you actually force the creditors to stop reporting information to credit bureaus this way?
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