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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 mu
  2. 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 t
  3. 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 /
  4. 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 bu
  5. 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
  6. 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.
  7. 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 co
  8. 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 co
  9. 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 lease
  10. 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
  11. 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 appre
  12. 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 month
  13. 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 th
  14. 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
  15. 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
  16. 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. F
  17. 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. Ba
  18. 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,
  19. 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
  20. 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.
  21. 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?
  22. I am working on cleaning up a few items on my credit reports and not sure which way to start. There are two Paid Collection medical bills showing on my reports, which is hurting my ability to rebuild my credit after divorce. They both are being reported by the same medical collection agency that is a local company where I live. They are both old, but still have a couple years to fall off my reports. One for $73 has a delinquency date of 3/2015, assigned to collections 1/2016, paid in full 7/2016. Last reported to credit bureaus on 6/2017, The other one for $164 has a delinquency date o
  23. Hi everyone, I had really great credit for the longest time, and then unfortunately, lost my job about 6 years ago and was out of work for a long time. In that time, my credit took a steep nosedive and I'm still down in the dumps credit-wise. At this time, I have 7 charge offs. 5 of them, I was able to get them settled and all of them are past SOL at this point. The charge offs are all with OC credit cards that were never sent to CAs (should I consider myself lucky that none of them were ever passed on to CAs?) Specifically, the credit cards are 2 Citicards, 1 Amex, 1
  24. So I have a Credit One card and recently got a CLI bump on it so I'm up to $550, but after reading some posts here, I'm hearing that it looks bad to have it. I don't necessarily need it because I have a Cap 1 Platimun ($850), a Wells Fargo ($600 secured) &, a Discover IT ($500 secured). The Credit One is the youngest of all the cards, only a year old. I had another credit one card about a decade ago that charged off and a weird thing happened. After months of paying on time with this new card, the old account reports as closed, but with 2 years of all positive payment history.
  25. Long story short, an illness took me off work for some time and some card payments were prioritized above others. I have since cleaned my credit up save for one lone big bad that will not die off in the form of DSNB/Macy's (CitiBank). Here's the deets: Date Opened: 11/16/2009 Last Payment Made: 05/06/2015 Date Closed: 04/26/2015 I've inquired about the debt and was told since it's past SOL it's no longer being pursued for collection, just reported monthly as charged off. That charge off reporting is a damper, though. What steps should I take, if any, to remove or rectify it
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