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Found 617 results

  1. 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 on my reports? I can pay it in full, but is there any hope for it being removed or updated to not reflect so harshly? I appreciate any advice!
  2. It’s a long post but, where do I go from here? I am not sure what to do next. Do I just pay everything off and only charge a small account to one or two cards and pay them off every month or is there more to it? My goal is to buy a house. Hopefully by next summer. I, unfortunately, listened to Credit Karma before I did more research and opened more cards than I probably should have and charged a bunch but, I will have all the balances back at zero in 2-3 months at most. Here is what I am doing: paying all current credit balances to zero with no more charging, paying down student loans currently in deferment. I am thinking of closing the First Premier card and opening a self lender account (to get a better mix) but, am not sure if closing a paid card will hurt my score. This is where I am sitting at: Scores Wells Fargo Fico 9 score: 626 Fico 8 scores pulled from premium Experian subscription: Experian- 657 Equifax- 643 Transunion: 661 Fico 8: 657 Collections LVNV/Resurgent: $518 paid just waiting to be deleted from credit report IC Systems: $253, waiting on a response from debt verification letter, if that doesn't work I am asking for a PFD What Is Reporting Fingerhut: $73.06 out of $600 limit since Feb 2020 Capital One (authorized user, no card): $555 out of $9,500 limit since Nov 2014 Capital One (Walmart store card): $193.24 out of $300 since May 2020 Credit One $258.50 out of $300 since May 2020 First Premier: 270.83 out of $300 since Jan 2020 Synchrony Bank: $0 out of $1800 since Feb 2020 (never used) Student Loans Went through rehab and now in deferment due to being in school, no longer taking out more loans. Total: $39107.18 I also have some transferred closed student loans showing up on Equifax and Transuion as 120 days late with zero balances that I do not know what to do with. FICO Score Message 1 of 3 0 Kudos Reply
  3. Hello Credit Board I am newbie to this forum, but have been lurking for a while. I had recently pulled my credit report and I am having major issues with my student loans. Apparently I have loans that have been transferred \ sold and now are with a new company. The original loan was open back in the 2000's but they are still showing on my credit report. I am not sure how I can have these removed. Any assistance would be greatly appreciated. Thank you in advance
  4. I just wanted to share my strategy. I've written them many many good will letters and always get the generic response. I decided to message them on Facebook and I got an actual human in the states who responded the same. I then replied with a true sob story and the guy said he could remove 1 late payment from each card. This will change my life so much and hopefully raise my score. I just wanted to to share with you guys who might have issues with comenity
  5. 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 of 5/27/15, assigned to collections 10/2016, paid in full 12/2016 and was last reported on May 18, 2020. Should I call them and request a goodwill adjustment to have them remove the reporting, write a goodwill letter, or move to the HIPAA letter? I also have one account in collection status that I disagree with. I had disputed it via the credit bureaus, but only got a notation in the credit reports that the debt was conforming, which I am sure means they contacted the collector and they said I owed the debt. This is a credit card debt that appears to be sold to a collection agency. The debt amount is $370, delinquency date 12/2018, turned to collection 6/2019. I am not even sure what this is, but may just be continual late fee charges on account I though was closed. Where should I start with this one? Pay for delete or validation letter? I made the mistake of ignoring my credit report after divorce in 2016 and have a thin file, but these three things are seriously hurting my ability to get a credit card acceptance. I don't want to keep having hard credit pulls for applications when I know these items are a big reason why I am being turned down. Thanks for letting me tell my story. Lola2020
  6. Hi. Thanks everyone for push out of hopelessness. My scores have increased about 30 points each, and this without reflecting that I paid off a $2500 installment loan a week ago. Total paid off is about $7000 in 6 weeks. · My goal is to buy a home with an FHA loan around October 2021. · I have $2000 per month to put toward resolving these negatives. · I don't know if I can call BBVA and Net Credit and work out payment arrangements, or if I need to have all the money now. Scared to call—I keep hearing “don’t talk to them.” My question is what order to put these in based on how quickly it will impact my credit score. My options seem to be: 1) Resume student loan payments ASAP, over the next year just save the money monthly and pay BBVA first and then Net Credit, then down payment. 2) Pay BBVA first, resume paying student loans in September and then pay Net Credit over the next 12 months. Remaining negatives on credit report: Defaulted Student Loan · Wait 1-3 months and use that $850/month to work on the other two items? BBVA · $5600 charge-off as of Sept 2019 · Planning to just pay it, assuming I'll have to pay in full but not sure Net Credit Financial Services · $6900 charge-off from Sept 2019 · Planning to just pay it, assuming I'll have to pay in full but not sure When do I apply for the mortgage, by the way? How far ahead of when I want to close? THANK YOU!!!!
  7. Hi everyone, just looking for some advice... I'm in the last year of my 20s and have a very high debt in general. I blame my past self since after getting my first job, I was blinded by approvals of several credit cards and used them like cash. I would like to start my journey to a better credit score, especially since my 30s will probably consist of buying a home and having children with my fiance. Not really sure where to start... I'd like to start bringing down my debt but I feel so overwhelmed with everything that I have to pay for. I currently keep track of my money using a spreadsheet, but that doesn't mean anything if I don't actually try to pay off the debt I have... I recently paid off my Chase CC balance (that's why it's 0 right now) and an installment loan around $2,500. Would it be better to pay the closed accounts first (at least the ones accruing interest), or pay off the balance in my open accounts? Any advice would be helpful, thank you! With that being said, here are my stats: Credit scores Experian - 565 | Equifax - 582 | Transunion - 587 Current monthly bills - ~$1240, including payments below Monthly salary - min $2,500 *New job that just started this month; previously, I was earning around $1,200 a month Current savings - $3,000 OPEN CC ACCOUNTS Chase - 0 (balance) / 500 (limit) @ (23.15%) min payment: $25 Capital One Quicksilver - 1,519/1,500 @(22.90%) min payment: $44 Capital One Platinum - 2,230/2,250 @ (22.90%) min payment: $70 CLOSED CC ACCOUNTS Bank of America - $2,110 @ (21.24%) min payment: $70 Barclays - $920 @ (21.24%) min payment: $30 CareCredit - $1,200 (under hardship assistance, interest no longer accruing) min payment: $22 Nordstrom - $1,915 (under hardship assistance, interest no longer accruing) min payment: $22 PayPal - $1,083 (under hardship assistance, interest no longer accruing) min payment: $25 Student Loans Sallie Mae - $25,000 (deferred payment, only paying $25 a month) Fed Loans - $16,000 (forbearance due to COVID19)
  8. In reviewing my Equifax report, I noticed 4 accounts that have comments saying "Payment is payroll deductible." 3 of the accounts are closed and charged off credit cards. The 4th is open and being paid as agreed with never any lates. It is clearly not an error in reporting by the creditors because it shows like this on each account (with different dates): 04/2016 Payment is payroll deductible 08/2016 Payment is payroll deductible 02/2017 Payment is payroll deductible I am 100% Positive I have no judgements against me that would enable a credit card debt to be payroll deductible. Is this an effort on behalf of the creditors to further damage my credit by making it appear that an there has been a judgement against me for a particular debt when that has never actually occurred? I've done extensive searching online and haven't found any answer as to why this comment appears.
  9. Long time lurker, now ready to participate! Just paid off 25k of 120k debt. 11k stupid installment loan from penfed, and 14k credit card debt. CC debt utilization down to 62%. No other debt except mortgage. (Just paid off only auto loan) have 5 student loans 5k balance. I'm hoping to have CC debt paid in under 4 yrs I'm going after highest int rate cards first. Any other wisdom or ideas about how to handle my credit profile ? Is my utilization too high to start requesting no inquiry CLI's? Thanks
  10. Hello everyone. I've been working diligently during this pandemic to focus on improving my credit. I've been following the guidelines and often cross-referencing to be sure it's the right information. I found out recently, that although my debt is low, my credit score is suffering because I haven't had credit cards in the past 15 years. I very carefully researched, compared, and finally chose two secured cards that are supposed to improve my scores with all 3 major bureaus, with timely payments. About 6-8 months they say. I received the Discover It Chrome Secure card earlier in the week and didn't waste any time putting a small purchase of $12.99 out of the $300 limit, so that I could pay it off a few days after it posts, in order to get that on-time payment track record started as quickly as possible. Well, this morning, being a person who has checked their credit daily, since setting out on this path to dramatically improve it, woke up to a staggering 154 point drop in my VantageScore 3.0! The credit reports clearly state that it's due to the addition of the new Discover card and for no other reason. By the way, since I have been without credit cards for so long, a FICO score does not even register for me. So I literally am not on the FICO radar at the moment to see what damage has occurred there. So anyway, the 2nd new card hasn't shown up on my credit reports yet and honestly, I'm terrified to see what will happen when it does. Other than this, there were no other "negative" changes in my credit history that caused this avalanche of WTH??? And I was so excited about being on the path to a better credit future filled with no-sweat approved financing and lower interest rates. Maybe even zero someday. It's like I just got karate chopped in the dang throat. I felt like I couldn't breathe when seeing this first thing this morning. Nowhere out there, have I read that opening a new credit card that is advertised by the card issuer and promoted by the credit bureaus and others, as a catalyst for improving credit scores, to also be a credit score obliterator! What has happened? Losing a few points, like up to 10 perhaps, I can see, just because of the inquiry. But a loss of 154 points is devastating! And for what? Have I not done what the Powers of the Credit Scoring Universe told me to do??? Ugh, I wanna cry right now.
  11. Got a huge 133 pt increase today on TU via myFICO, 110+ on the TU page.The other day I disputed an old trade line that was about $620 on a $600 limit. It was a charge off that had been reporting for a long time. I put a dispute in online and within a half an hour later it was removed..Happy as hell as I was hoping for maybe 20 point increase. I’m in the solid mid 700’s now. The only negative thing I have on that report currently is the same type of charge off from First Premier. Also 6 1/2 years old also the same type of balance. I should add that these weren’t mine, they belonged to an ex and I didn’t know the credit cards had been taken out in my name. I’m reluctant to go ahead and dispute that one because it hasn’t reported in about three years. I’m afraid if I dispute it it’s going to start reporting all the sudden and lower my score. I’m also weighing the of applying for a credit card..I haven’t had one in about eight years due to that same break up. It would be nice to have a back up now. As thinking about disputing with the other two Credit bureaus on the one that was deleted
  12. 1. EX & EQ deleted a collection acct from my report in 2016 after one initial dispute 2. In 2019, a JDB reports on EX & EQ for the same acct. I requested a DV and the JDB sent the initial application. 3. OC sent the wrong item in 2014 and after 6 months of disputing they stopping collection attempts. (technically this should be #1). 4. I disputed the JDB (2nd ÇA) with the CRA’s and it came back verified. What letter can I send to the JDB after they responded with the initial application from 2014 and what is another dispute tactic to the CRA that only responds with previously verified. i searched but searching here is not the same anymore. thanks in a d’avance for input
  13. I have a charge-off that is still with the original lender. How do I begin to dispute this. Do I ask for validation first or do I start with the 609 letters.
  14. Hi My wife (yes, it really my wife and not me😤) has late payments on these four creditors. I wanted to send a goodwill letter to these creditors. However I want to concentrate my efforts on the one where I may have the most success, So if anyone has had any experience with any one of these four creditors in getting late payment successfully deleted by a goodwill letter I would appreciate it. And yes I understand Goodwill letters are shot in the dark and for the most part not successful. However I have had a few success stories using them in the past. Thanks.
  15. Hello, everyone. I need advice on how to increase my Fico score. My current Fico score I get monthly from Experian is currently 563. My goal is to increase it by 100 points or better. Here's a look at my current credit report on all 3 credit reporting agencies. The credit reporting look the same on all 3(Experian, Transunion and Equifax) I have only 2 open credit cards 1. Capital One MasterCard-$1, 500 credit limit with a $1,289 balance 2. Care Credit- $1, 400 credit limit with a $960 balance I have 16 late payments between 2018 and 2019 from these 2 open accounts. Some 30 day, 60 days, 90 days, 120 days I haven't been late or missed payments for nearly 10 months now. Both accounts are on auto pay. I have one Portfolio Recovery Associates collection account for $3,145..I'm on a settlement payment plan and PRA will delete it after my last payment. I expect to make the last payment within the next 4-5 months I have 7 closed accounts all but 3 were paid in full and closed at my request more than 6 years ago. The other 3 accounts are recent charge off accounts from 2019 that are now paid after completing a settlement plan. Where do I need to start or what do I need to do to increase my Fico score by 100 plus points. Thank you in advance.
  16. Need advice on what I should do. Account opened 2/16 delinquent 5/16 I ordered my hard copies of all reports and I just noticed they have been recently doing soft pulls 😒 Those pulls were probably triggered by my disputes. I live in GA so I'm still within the SOL. What my concern is that they will sell it off to a collection agency and then I'll have that ding on my credit as well. I only have one collection and its on TU from a company that's trying to collect on a 2018 ATT bill that I'm in the process of doing the 1-2 punch on. So I definitely don't want a new collection added. The limit was small, only $300 but of course it's showing like $604. So, should I just contact them and try to settle for pennies with a PFD at best or settle for a little more with one less stress about new collection at worst? Or is there something else that I may want to consider? I have already disputed this account once and EQ is redisputing (I won't make a move until they finish their dispute) while TU updated it to show "charged off as bad debt purchased by another lender" Thanks for any guidance you can give with this, its greatly appreciated!
  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. 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)
  18. First thank you for all the knowledge posted here, I have followed CB off and on for over 10 years. So here is me current credit Pic and I don't know what approach to take... except getting credit one and the AT&T charge offs removed. Once I receive me new unsecured Cap 1 I'm hoping that gives me a score bump because I really don't have any open accounts as you can see. Discover said no to their secured card 😢 I have been a member of NFCU since 97 but my account is dormant just need to deposit money in savings to make active. But I was thinking I need to wait until I clean up my TU and bring scores up before trying for their secured card. I'm assuming the student loans are hurting me but didn't want to contact them until I got better guidance from you all. I could desperately use some guidance from you all Fico 8 eports & scores as of March 10 Experian 558 Citibank AU $6500 limit $4977 =76% usage - 9 years old never late - I disputed this account due to usage being high and it was removed- no change to my score Belk AU $9000 limit $1666 balance = 20% usage- 20 years old never late Care Credit AU$4000 limit $0 -no usage - 8 years old never late Sears - closed AU no negatives CarMax paid closed $19,117 -opened 4/14 closed 7/15 Acendium student loan 44 lates CO $2872 updated 8/16 EDSOUTH student loan 10 lates CO $1750 account transferred to another office last update 8/16 EDU SERV OF AMER student loan CO $1984 account transferred to another office last update 12/14 FED LOAN SERV- closed exceptional payment history 5/15 GLESI/ Bank of America -closed exceptional payment history 2/12 US DEPT ED/ GSLI closed CO $1017 seriously past due last updated 2/20 US DEP OF EDU/ GSLI closed CO $2701 seriously past due updaye2/2020 Inquiries Cap1 3/20 - unsecured card $300 limit in mail Discover 3/20 - declined secured card TU 509 Belk - same Care credit - same CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17 Discover -same Sears-same NFCU AU- closed updated 5/23 $20k limit exceptional payment history Carmax-same All the same student loan info Collection AT&T Mobility $1206 collection opened 9/18 updated 2/20 Inquiries Cap 1 EQ 535 Citibank same Belk- same Care credit same Creditone same Discover same NFCU SAME CarMax same Credit union atl $3803 CO auto- opened 4/11 CO 12/14 - consumer disputes EDSOUTH GLESI SAME EDUC SERV AMER same FED LOAN SERV same FED LOAN SERV same US DEPT EDUC same US DEPT EDUC same Inquiries Cap1 same
  19. How can I find the creditors that pull from my highest rated credit report? Is that possible ?
  20. 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!! 🤗
  21. 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
  22. I get my credit score from Experian and they are constantly promoting Experian Boost to add points to your score. I don't like the idea sharing more information and I'm assuming that it'll only make a difference with lower scores? Is this true? My score is 835 now so I don't need a boost but I can't help being curious. Does anyone have a boost they can share?
  23. When you take a consolidated loan...do they pay off the debt BEFORE the card or loan is closed or AFTER it is closed? If you cant get a personal loan is this your next best option...? How does before or after affect the credit if its closed, but paid? Is that a good way to go if you have less than a certain amount? How does one loan payment, if you have a car loan and student loan... affect the credit then? Can you obtain credit again during the loan payoff or only after...? How are you treated by the credit card companies...? Really curious about this process.
  24. I currently have 2 active cards: CapitalOne Platinum ($1K due for CLI next month), and Ollo ($1.5K), both of which I acquired this year (got the Ollo in July). Before either of those I was searching for cards that I could get approved for to rebuild and Discover was one of the sites I searched. Each time I looked at their preselector, it returned one of their secured cards (which I didn't really want to do). At the time, my Experian FICO was in the low 600's. Well my score has improved bit by bit, and today I got a notice from Experian that it rose to 660 from 618 in July! Still not where I want to be, but a whole lot better than where I was! Anyway, I wasn't really looking for another card so soon, but decided to go to Discover just for the heck of it to see what it said. Lo and behold, I was preapproved for the Discover it Cash Back and the Discover it Chrome Card. Now, I'm wondering if I should go ahead and apply, or just hold tight for now. What do you guys think? EXTRA INFO... Both cards are paid in full right now, but the one of them hasn't reported yet, so EX is showing a 12% utilization. I recently paid off a Chase settlement which is showing on EX now. Not sure about TU and EQ. EX FICO: 660 TU FAKO: 688 EQ FAKO: 706
  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 information, you provided – we were unable to extend credit on behalf of your company. However, we did create a discount account for you. You can use this account number to receive a discount on printing at any one of our 1800+ FedEx Office locations and online.

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