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  1. Hey all, I've been lurking CB's for a couple weeks now. I've had bad credit for years now, trying to finally get it sorted and I think I'm close to finally making real progress. Here's a breakdown of where I stand today: FICO scores: TU (562), EQ (597), EX (554) Credit cards: 0 Loans: $22,000 Auto Loan (GM Financial) at 17% APR Open Collections: 2 accounts $647 total Credit Inquiries: 23!! (Didn't realize how damaging they were when try to get approved for car loan) Missed Payments: 24 total - 22 of which are from two student loans I defaulted on in 2010. Student loans have since been paid in full. The other 2 are from a gas utility from 2014. I'm not really sure where to go from here. I've had quite a few collection accounts removed by Lexington Law, I recently read on here that I should stop using them, called about an hour ago to cancel and they gave me a free month. That being said, they have saved me about $3,000 in collection accounts removed in the last two months. Should I pay off the 2 open collection accounts, I'll be able to pay the balance in full this month but is it worth asking to pay less, will that jeopardize my chances of getting them deleted from my report? Once that's paid, I think I'll be at the point where I'm ready to begin building my credit. Would love advice on the best way to approach building credit from the low point that I'm at. I havne't applied for any secured cards because I'm worried I'll be denied due to the 23 inqueries on my account. My business partner is willing to add me to one of his rather high tradelines with low utilization, is this something that will still help or is that no longer relevant? Thanks in advance for any advice I receive. I'll continue updating this thread as progress is made.
  2. A friend just recently paid off their C/O Amex account and got the Optima Card last month. Ive read that once you pay off Amex in full and get a Optima Card, the negative tradlines "fall off" your reports. Has anyone had recent experience with this?
  3. Folks, I have been reading this site and it has helped me tremendously in my credit repair journey . I have deleted all previous addresses on Equifax and TU . Experian is a work in progress. I also successfully opted out of LN . I have an unpaid Federal and KS state tax lien on my report on all three CRAs. Transunion I disputed both items with TU in July and they came back verified . Now, TU indicated the Federal tax lien was relieved in bankruptcy . Funny thing is I never filed . I redisputed in Sept after successfully opting out of LN . It came back verified . I filled a complaint with CFPB . Here is what I wrote " I received my credit report from Trans Union and it contained two public records which I have disputed and they have come back verified. I have spoken to the clerk of both courts and have been told they don't report nor provide any information to credit reporting agencies including Trans Union . Moreover, court records do not list Social security numbers. I would like to know how Trans Unionm keeps verifying this account. My SSN and the SSN listed in the courts do not match. So how does Trans Union tie this account to me (MY NAME). My Social security number does not match what is in the court records. If the court records don't match my records Trans Union needs to have documentation that matches my exact nine digit SSN, if it does not Trans Union must DELETE this account from my credit profile. Worse of all , there is an item Trans Union claimed has been relieved in bankruptcy . I have never filed for bankruptcy " After about 7 days , they replied with this "We have reviewed your complaint along with the information you previously provided regarding this issue. We contacted the Shawnee County District in reference to Docket # at (785) 251-5429 and verified your name and social security match to the State Tax Lien. Additionally, we contacted Cobb County Superior Court at 770-528-1332 in reference to Docket # and verified your name and social security match to the lien. The clerk also provided information that in their records the bankruptcy filing had been dismissed. Based on this information provided by the court, the tax lien under Docket # was removed from your TransUnion credit file. The Fair Credit Reporting Act allows: Unpaid tax liens to be reported for an indefinite period of time, depending on your state of residence. " They deleted the Federal lien and left the State . How do I attack the State lien in my response . I seriously doubt they contacted the court . Equifax Disputed both items with EQ . They deleted the Fed tax lien and said the state lien was released/satisfied . It can't be as I haven't paid this lien. I intend to file a complaint with the CFPB next week . Need ideas on how to attack this via a CFPB complaint . Should I use the same TU complaint ? I also have a CA account that EQ deleted after three weeks and TU verified in 7 days . I also intend to file a complaint with CFPB on this CA . Thanks for this great site .
  4. Hi... First time poster, thanks for all the great info on this site...hoping you can help. Mid-aged single person, have finally gotten to a financially stable point in my life. Pulled my credit yesterday from Experian's $1 offer, and my scores are good, not great. 701 (Experian & TransUnion, Equifax: 698. I would like to get my credit above 780, but to be able to use my credit cards for as many purchases as possible so I can get points to travel (I do several international trips a year). History Had a terrible history with credit, dating back to college. Used them as free cash and got into real trouble. Finally 10-15 years ago, realized that I had a problem managing my credit. Really scaled back and cut back on cards (using only my ATM/Visa and 1 BOA) to get used to buying within my means. Opened up my first card (SPG Amex) almost 2 years ago, and have had good success managing that (pay in full every month), so I'm ready to build on it. The current stats: Good wage earner: $16k+ month. It's just me. Own home: $320k in mortgage. All on time payments last 24 months, was 60 days behind in 2010/2011 (see below). 1 small car loan: $10k. All on time payments. 1 Corporate AMEX: (doesn't show on my credit reports) 1 SPG AMEX: Opened 12/13: $17k credit limit, high spend of $8k. Pay in full every month. 20 month clean payment history. Have been using it for everything possible for SPG points. But realizing I'm charging too much on it (the report said something about using more than 30% of my credit). Oddly enough, I just found a writeoff due to an old utlity bill ($72 bucks!!!)...so I have to figure out how to get that off. The only 'deliquent' that shows active on my account. Old accounts: Fixed Owned a condo before the house. Tried to buy the house/sell the condo at the same time during the recession (2010/2011), had to carry 2 mortgages for a year. Ouch. Had some trouble manging both payments, as you'll see below: DCU: HE load for condo renovation. Potentially negative close (but I Paid in Full before closeout). 15 months of okay payment 4 months 30 days late 1 month 60 days late NHSA: Condo mortgage: Potentially negative close (but I Paid in Full before closeout). 18 months of okay payment 2 months 30 days late 1 month 60 days late 1 month of 90 days late DCU: Car Loan. Potentially negative closed. Paid in full, all but 1 on time payments. 30 days late. Was traveling, forgot to send in payment (duh). Old accounts: Credit BOA Card 1: Opened 3/1/2004, High balance of $15k, potentially negative close. Closed the account after I closed on the house, as I used it to fund repairs to get the condo sold. Past History: 2013: ND, 2014-2015: OK (odd, because I dont' think the card was open). Should I re-open this card? I had called last month (I ran across an old card), and they were happy to reopen it. Challenge is, I won't/will rarely use it (no points) but it's good credit aging. BOA Card 2: Opened 11/2006, High balance of $5k, Current close. Past History (2009-2010): All ND Chase Cards (2): $15k and $6k credit limit. Looks to be closed in 2007, okay payment history for 2006-2007. Store Cards: Macy's, Linens, Lowes,Talbots, Yale Electric : All closed, good payment history. So the question is, how do I increase my credit score. I'm thinking I shoud: 1. Dispute this old National Electric charge 2. Reopen my BOA account 3. I'd like to open another account, for points. Either Chase Sapphire or Citi Premiere/Prestige. Any feedback would be helpful. Thanks!
  5. Hello CB! I have a few questions pertaining to DOFD. I have read some prior threads about DOFD and felt I needed my own conversation as a new guy looking in. Advice is welcomed! First, I have 5 accounts listed on all 3 bureaus that list no date for DOFD. Some even list N/A. All 5 accounts have at lease one month reported of 30 days and 3 accounts have 60 days late. These are not charge off's or bill JDB's, they are credit cards and personal loans that have a $0 balance and closed. Second, once I establish DOFD, how do I determine when the account should be removed from all 3 bureaus? None of the 5 give a removal date from the CR. Lastly, when I dispute as obsolete, does it just remove the one period of delinquency that is older than 7 years or the entire account from seven years after DOFD? I do have current delinquencies form 2010 and 2012 that are not yet ready to fall off on 4 of the accounts that actually went delinquent in 2008 and 2009 but were brought current. thanks for any and all advice!
  6. If a person filed for chapter 7 bk protection and included three judgments as part of the bankruptcy, how should those judgments report to one's credit file? How long should these judgments stay on one's credit file?
  7. Hello everyone, I had a joint-lease that was broken only a few months after we had opened it. Three years later it showed up on my CR... Since 01/2011, when it first became delinquent, I had not received any correspondence from the CCA regarding the debt. I hired Lexington Law, they disputed it many times, I fired Lex Law, and today I finally received a letter in the mail from NCC Businesss CCA with details about my debt. There were a total of 3 roommates including me but I lost all contact with them since 12/2010. WE owe around $3,800 total... I dont want to be the person paying the entire amount because all three of us were responsible... What should I do.... I am very reluctant to contacting the CCA,,, I just want this off my credit and want to avoid being sued since the SOL in Arizona is 6 years.... The date of delinquency in my opinion is the first month that rent was not paid which was Jan 2011 -- why then does it report on my credit as March, 2013? Attorney fees are $250 per hour. Yikes!
  8. Today began wonderfully - I finally got Experian to EARLY DELETE my last collection (a medical from 2009) -- I was so excited!!! Immediately after deletion, my score DROPPED 10 points!!!! FICO 8 went 642 --> 632 with the deletion. I alkmost cried!!! FICO 04 still shows unchanged at 650 which I guess is good/neutral. This makes zero sense, and I am so very upset. Why would this happen?! NOTHING else has changed .. collection was old, I must say -- 6.4 years. But, Im told any collection regardless of age harms the score and is not part of AAofA! So what gives? I am so over this FICO scoring, I am ready to throw in the towel. i've worked so hard to get my scores up from 550 to this, and this is a blow. I did do 2 inquiries on 9/23, but they did not change my score and 1 of them is being removed by the Creditor as a courtesy ,as it was supposed to be a SP. I mean on manual review my report looks better with NO COLLS of course .. but why the 10 pt drop!? I have paid my UTIL dwon even further so hopefully with the update on 10/5 my scores will boom a bit. UTIL 39% now, will report at 28%. Snapshot: Scores: FICO 8: 632. FICO 04: 650 Baddies: 1 Charge off, FIRST PREMIER 06/2009 - Aging off in March 16 as an EE 1 Charge off, CAP ONE 2012 - Closed and sold to PRA 12/14, paid in full and PRA deleted their TL from my report - saw a 22pt bump with that deletion 3 - 30 day lates on student loans from 10/14, almost a year old now. POSITIVE: ALL DEBT is 100% current, with NO COLLECTIONS (now) - Last late 11 months ago. UTIL: 39%, will report as 28% soon AAofA: 6.7 years, 12.5 yr oldest - this did NOT CHANGE after collection removed - verified here on myFICO I'm told I may have been RE-BUCKETED with this collection deletion ... no idea what that even is... anyone care to expalin this?? I'm told it is a good thing and with the COL gone my scores should rebound quickly in the new "bucket", since my report contains less negs - but I am so very disheartened !! Thank you all.
  9. Ok am trying to clean up my credit report and increase my credit report. My wife and I are trying to buy a house so I need to raise my score. Also I have poor credit but I pay all my bills on time. But I need to free up some more credit, any suggestions who would give me credit w I thought pull a hard report? Thanks Sent from my SAMSUNG-SM-N910A using Tapatalk
  10. Hi all, I have attached my current credit situation. Where should I start? All suggestions are greatly appreciated. 5/3 mortgage Citi Fin CCU Car AMEX Portfolio dell 5/3 cc hsbc Macys store hh gregg /Mike hh gregg lowes payapl macys visa bull city senex judgement sams disc chase 1st south BOA CC x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x x 4/1/2016 7/1/2017 1/1/2016 7/1/2019 7/1/2016 8/1/2017 10/1/2016 6/1/2016 11/1/2019 8/1/2016 1/1/2019 10/1/2016 7/1/2016 5/1/2016 10/1/2017 7/1/2018 10/1/2016 11/1/2016 8/1/2016 wrong balance & amount past due& no credit limit no credit limit no credit limit no credit limit or date of last payment dofd wrond should be 8-2010 no credit limit, dolp & dofd wrong no credit limit dolp &dofd wrong dolp & dofd wrong not my account no credit limit Bal should be $0 no credit limit no credit limit high balance wrong no recent bal
  11. I was sitting here bored, with an itchy app finger, and pulled the trigger. Filled out the info, on 9/16/2015 clicked Go, instantly, 7-10 Days BULSH** ... So i'm like, " I just wasted i perfectly fresh inquiry. No surprise. Well, Just like a few blog post on CB - mentioning "don't waste your time calling because you have to wait exactly 10 DAYS for the letter. REALLY?! Darn.... Well, today I'm not even thinking about receiving a call from Virgin, but guess what... I did! WHAT ?? Yes, A phone call from Credit Verification asking to verify some information on Public records, so I did... 3 questions Successfully answered "BOOM" APPROVED !! Card in the Mail another 7-10 Business days. CB - Do you think i can shoot for a Credit Limit Increase? Credit score EQ: 708 "NO BADDIES" One Installment "Car" 14,8000 ​2 Capital One cards each Limit $3000 Total access card limit: $300
  12. And so is my scores. According to the experian fico simulator, if I pay down my outstanding debt, I should be expecting increases but instead , Ive been experiencing decreases? Over night my utilization dropped from 123% to 98% and suffered another 3pts because I paid off an installment agreement that was turned into a revolving account that should have increased my utilization. Last week the same thing happened when I paid down my utilization from 188% to 123 % it dropped 10 pts then. Within the next 30 days , my reports will show that a recent collection has been removed and even more of my debt will be paid down, should I expect some more of the same score droppings until its all zeroed out? This is kinda discouraging but at the same time I know there has to be a good outcome of some kind in the future.
  13. Hi All! I'm new here - been lurking for a few weeks, trying to soak up all the words of wisdom I can from some seemingly brilliant people! I'll admit I don't fully understand every bit of what I've read as of yet, but I'm light years beyond where I was when I discovered this magnificent place. I have LOTS of questions and I plan on starting my own "Personal Credit Repair Journey" thread eventually (sooner rather than later), but I'm going to try to keep this first one short and sweet (too late, I know). So I, like so many others, messed up when I was younger and am doing my best to remedy things now. I swore off credit cards for years and finally decided I needed to get back into the game if I ever wanted to really build my credit. I researched proper use of credit and finally took the plunge. I was approved for a Capital One QS in July (I know, people pretty much seem to hate them...especially here, but beggars can't be choosers, right? And at lease I'm getting some cash back) - only $500 CL, but at least it's a start!! I've been using it for any and everything I purchase and immediately pay it off in full. I was also approved for a car loan with DCU in August with a 3.9% APR for 60 months (though I plan to have it paid off sooner than that). I also have a student loan that I've been paying off (on time!) for about 3 years now. Other than that, I've paid off any debts I'd had, but I still have some baddies on my report that need to age off (some soon, some not so soon). My Equifax credit score is 675 (I'm planning on paying to find out my other two as soon as my QS card reports. Even though I've had it since July, it hasn't made it onto my reports yet for some reason). I know that's not good, but it's improved about 40 points since late June, so at least it's moving in the right direction! Here's my question(s): I've read that people have had luck asking for CLIs at 60 days (and then possibly still getting their automatic CLI at the 3 month/statement mark). I'm thinking of trying this, but I'd also like to apply for another credit card. I'd love to do Chase Freedom, but I have an old baddie with them (it's paid off - recently - but it's got a while before it's off of my report), so they're not going to approve me at least until I can prove I can handle my credit like an actual adult for some time. So I'm now seriously contemplating a Discover It card (again, I know, a lot of people here absolutely hate Discover). I read about the Apple Pay promotion that they're having and I like the idea of their double cash back the first year. I was also thinking of applying for the Target card for the 5% off in stores (there's one near me that has a grocery store, so that could be useful) and to add more available revolving credit. So I'm wondering in which order I should try this? My guess was go for the CLI first, then the discover? But I don't know if that's right at all. I'm thinking I should probably do the Target card last, since I feel like that one is probably least important. I currently have 4 inquiries (2 from DCU - I guess they pulled when I opened my checking/savings account and again two or three days later when I went for the auto loan. Overkill? I kinda thought so, but who am I to say?) and I'm worried about looking too desperate to Discover (I hear Cap 1 is hard pull happy, so I assume a CLI request would trigger another hard pull). Ugh, I'm basically just really nervous and assume I'll probably be shot down anyways and I'd hate to add too many hard pulls... but at the same time, I'd love to start working on increasing and diversifying my portfolio. Ok, so I know this was a jumbled train of thought-type post, but any and all advice would be so greatly appreciated! I just keep reasoning myself in circles - I should do the CLI to have more available credit so Discover might give me more if I'm approved, but maybe I should do discover first so I have fewer hard inquiries, blah, blah, blah. I'm gonna drive myself cray by the time I'm finished. (and please don't judge me for my sub-par score and lack of credit. I'm doing by best to fix my past - it ain't easy )
  14. I need some advice from the Synchrony Bank CB mafia (you know who you are on here). I've been to use the correct credit terminology (gardening) come October 1st, 2015 39 months since I last did a credit application (I know I know don't have a panic attack on me credit app junkies...take a deep breath and blow into a paper bag). Those two apps were Wal-Mart and Amazon store card. In this entire time period, I have never (slaps himself in the face back and forth) asked for a CLI from either of these Synchrony backed cards (credit ignorance before I found CB and Myfico is expensive I tell you) and I was approved for the Wal-Mart MasterCard in late August. Before my Wal-Mart Cinderella slipper falls off on October 9th, which is my deadline to say no to the upgrade. I want to ask for $25K from Wal-Mart and hope they counter to at least $4K-$5K and so I will have an MC at that credit limit when it converts over. Same for Amazon ask for $25K and hope for a decent counter. But I think I might've messed up from all the reading I've done on here. I usually use both cards at least once a month for the most part and my last statements just cut (Amazon is tomorrow) and both are at zero balances. I had purchases showing on both cards from my last statements (August). My question is should I buy something on (9/19 day after the Amazon statement cuts) on both cards and then pay them both off once both items post online in three or four days. Still knowing that my due date 10/7 and statement date 10/14 for Wal-Mart is going to be past when I ask for the CLI on October 5th. For Amazon my next due date is 10/10 and statement date is 10/18. I don't want my current zero balances to not be zero the day I ask for the CLI, but I've read to make sure you use the cards every month and PIF at least 2-4 statements for maximum CLI juice before you ask for the CLI. I'm also going to use the ultra-aggressive "Mendy Method" and every 61 days (should I wait 61 days from the day I get the CLI or is it 61 days from the statement date of that month I got the CLI?) I will ask for a CLI on Amazon, Wal-Mart and Lowe's. My credit every month from now until next summer will see dramatic score increases every month from my remaining few baddies following off and I will be 100% baddie free by no later than August-2016. Thanks for any help in advance and may the credit Gods bless you with massive BobWang credit lines. Sincerely, Mr. CreditLuv
  15. So I had quite a few late with Wells Fargo student loans in 2013 -- last one was in August of 2013, reporting as a 60 day late (the rest were all 30 day late, about 5 of them prior to 8/13) ... they called me today and said they found an error that I was intact only 30 days late, and are changing the 60 to a 30 today electronically. This is my only account with late, and I have one collection left from 2009 Im disputing for immediate removal (medical) ... will a change from 60 to 30 day see any kind of score jump ? I am told a 60 day late is much worse than a 30 day late, or at least somewhat. My current scores FICO 8 are around 636! up from 580 in july ! Weigh in credit experts! Will this change do anything for my score, even though this was over 2 years ago? Is it even affecting my score at all anymore ? Thank you all in advance ! :-)
  16. Hi all! So I recently succeeded in getting my second last collection off of my bureaus -- a medical collection of $1200 with Mercantile Adjustment. The hospital actually forgave the debt 3 years ago but never reported it to the COL AGENCY and it finally came off thanks to my due diligence. Got a 5 point score bump too :-) At 636 now (EXPERIAN), up from 578 just in July!! NOW, I have one more due to age off in November (Experian is excluding early for me).. California Buisiness Bureau. The balance is $1705 with the hospital (OC) but they want $2200 to pay it off and they will delete early...extortion if you ask me!! I declined and want to know if theres ANY WAY to get this off early based on HIPAA, or DV or disputing? I tried disputing with CRA (EXP) and they just came back validated. Are there any other options for me to be aggressive or should i just wait ? The collection is from early 2009, so I imagine it barely hurts my score now? The collection removed overnight was from 2011-2012, much more recent. Any advice would be appreciated! I want t have a clean report when I app spree for new cards in October/November, so waiting wouldn't kill me, but I'm impatient. I have $10,850 in credit, at 43% UTIL - paid down to 29% which will report end of month. So expecting a bump there too! Thank you all for advice -- you are all wonderful here!! Scores: EXP 636 TU 633 EQ 600 * Not on this report
  17. Hi all! So I recently succeeded in getting my second last collection off of my bureaus -- a medical collection of $1200 with Mercantile Adjustment. The hospital actually forgave the debt 3 years ago but never reported it to the COL AGENCY and it finally came off thanks to my due diligence. Got a 5 point score bump too :-) At 636 now (EXPERIAN), up from 578 just in July!! NOW, I have one more due to age off in November.. California Buisiness Bureau. The balance is $1705 with the hospital (OC) but they want $2200 to pay it off and they will delete early...extortion if you ask me!! I declined and want to know if theres ANY WAY to get this off early based on HIPAA, or DV or disputing? I tried disputing with CRA (EXP) and they just came back validated. Are there any other options for me to be aggressive or should i just wait ? The collection is from 2009, so I imagine it barely hurts my score now? The collection removed overnight was from 2011-2012, much more recent. Any advice would be appreciated! I want t have a clean report when I app spree for new cards in October/November, so waiting wouldn't kill me, but I'm impatient. I have $10,850 in credit, at 43% UTIL - paid down to 29% which will report end of month. So expecting a bump there too! Thank you all for advice -- you are all wonderful here!! Scores: EXP 636 TU 633 EQ 600 * Not on this report
  18. I have an AMEX with no set spending limit and no defined minimum monthly payment. The verbiage simply says that the whole balance is due each month. Earlier this year, while in between jobs, I made some payments that were not the full outstanding balance, but were always a minimum of $500 and I can provide records of these payments occurring prior to the due date. These payments also represented 25-50% of the total balance. These are now showing up as multiple late payments and it's really lowering my credit score. Has anyone dealt with a similar situation and seen these late payments removed from their credit report? Also, is there any long term damage to your credit if the disputes are rejected? Trying to decide if it's worth disputing or not.
  19. I am floored ... I had a COL from Mercantile Adjustment on my EXPERIAN for 3 years now, for an old hospital bill. $1200. I called them today, of course they were rude and demanded payment, so I called the OC (hospital) and was informed that they FORGAVE this debt in 2012!!! It should have never been reported at all!! So, the rep called MERCANTILE and they immediately agreed to delete and sent the electronic request to delete from all three bureau today!!! I am told this will only take 24-48 hours to remove by Experian (Ive had collections removed before and it is correct -- super fast!). Now, this collection was added in 2011, and is reporting as unpaid since 2011 (~3.5 years). Will this deletion likely see a score bump?? My AAofA is 7 years, oldest 13 years, score FICO 8 is 631 .. this is my last major baddie except for 3 30-day late from 11 months ago on student loans. All else 100% current, 6 open credit cards all perfect and UTIL lowering by the day. Im told the only way collections give a score bump is by their deletion, so here's hoping!!!! Weigh in please credit experts :-)
  20. I am floored ... I had a COL from Mercantile Adjustment on my EXPERIAN for 3 years now, for an old hospital bill. $1200. I called them today, of course they were rude and demanded payment, so I called the OC (hospital) and was informed that they FORGAVE this debt in 2012!!! It should have never been reported at all!! So, the rep called MERCANTILE and they immediately agreed to delete and sent the electronic request to delete from all three bureau today!!! I am told this will only take 24-48 hours to remove by Experian (Ive had collections removed before and it is correct -- super fast!). Now, this collection was added in 2011, and is reporting as unpaid since 2011. Will this deletion likely see a score bump?? My AAofA is 7 years, oldest 13 years, score FICO 8 is 631 .. this is my last major baddie except for 3 30-day late from 11 months ago on student loans. All else 100% current, 6 open credit cards all perfect and UTIL lowering by the day. Im told the only way collections give a score bump is by their deletion, so here's hoping!!!! Weigh in please credit experts :-)
  21. Hi all! So I currently have a First PREMIER CO due to age off in April 2016, but it is unpaid and I'm looking to buy a home soon. The company MAY be willing to do a PFD due to the account age of 6.4 years -- if I pay this and it is removed, am I likely to see a score bump? My scores have risen dramatically in 11 months of rebuilding - from low 500s to 631 on average !! When I disputed this account with EQ, it raised my score 27 points but then fell back after it was validated. So if I pay it, am I likely to get that bump back if it is removed or even update to PAID CHARGE OFF ? I know paying a collection will not bump score, but what about a CO ? It is still reporting monthly as an open unpaid CO!! Im weighing my options as the total is just $420.00. and I can swing it. Weigh in please, as I'm really trying to hit 680 by Christmas (also majorly lowering my UTIL overall, scores climbing monthly!). This will be my last baddie except for one medical debt aging off in novmeber !! Thank you all in advance !
  22. Hi everyone! I am new to CB and I absolutely love it already. I've been reading a lot but nothing seems to match my particular case so I decided to start a new topic... I'm 23 years old and when I was 18 I moved out with my two "best friends" because one had been kicked out of her house and well I was SUCH a great friend so I decided to help her out and move with her. It ended up being a dramatic disaster where I was the only one with a job so I was paying everything! I asked them to remove me from the lease (3 people total including me on the lease). They agreed to remove me from the lease and I made the mistake of moving out prior to the removal. Once I was moved out they decided they could not afford it without me and they moved out too. So now there are two negative accounts from this lease on my report; one for $3,000+ and another for $500 with NCC Business Services. The lease was opened 8/2010 and we left the apartment either 12/2010 or 1/2011. The account shows up on my credit report March, 2013. I should mention I live in Arizona and the account was also opened in Arizona. Now I have been working with Lexington Law for almost three months now and they were able to remove some smaller negative accounts from my Transunion report (Cox cable, LabCorp) and have "disputed" with all three credit bureaus. I haven't received any letters from anyone and when I ask for advice on whether I should contact NCC Business Services or not, they say that I should send a "pay for delete" letter. I have been reluctant to contact NCC Business Services because I read on one of the forums that if they have not attempted to contact I can fight them off. I am wondering if I should try to solve this through the courts so that all three of us can pay off the $3000+ together and not just me by myself. I really want to fix my credit! Help please! Thank you in advance Kewljess
  23. Hello!!! I am a newbie here and looking for some advice. As a college student, I racked up a load of credit card debt which began to take it's toll during my last few years of grad school. In desperation, I enrolled in a debt settlement program unaware of the effect it would have on my credit. Once I realized what happened to my credit score, I ignorantly enrolled in Lexington Law thinking they could help fix my credit. I quickly learned they could not and now I would like to make an attempt to repair my credit. My credit report currently shows, innumerable late payments, charge-offs (all paid), and a judgment. I don't know where to begin. Anyhelp woul be appreciated
  24. I just paid my last rehab payment (2 weeks early). I can't even explain how freeing this is...even though I still have $52K to pay back...ouch! I'm excited to see quick changes on my credit reports and find out who my new lender is (please not Navient!). Thanks for all the help I have received on this board that helped me accomplish this difficult task! That is all...
  25. Hello CB , newbie here. After reading, researching, and information overload — I have decided it would be in my best interest to document my journey in one place. This is the best place since I spend most of my free time scouring these threads. For referencing purposes, I’ll be posting everything I’ve learned and including links to them here. This is mainly for me to keep record, but you all are more than welcomed to give advice. Or, correct any outdated or incorrect info, although I hope not to come across any. Current FICO scores (as of 08/15): EQ: 530 TU: 579 EX: 525 Current COs (as of 08/15): Amount DOFD Paid/Unpaid Notes Enhanced Recovery: T-Mobi. $166 01/14 U AT&T $304 11/12 U National Credit System (Apt) $1273 07/09 U Disputed I C System: Uverse $664 01/13 U Procollect (Apt) $3494 07/09 U Disputed Unique Natl Coll. $104 U ? Credit Protection Assoc. $172 10/12 U Medicredit $200 03/15 U Why Chat* North American: Suntrust $255 04/12 P reporting unpaid,will dispute Medical $549 04/14 U Why Chat* Revolving COs?? BofA CC P Scana Energy $315 04/13 U revolving? Scana Energy $65 06/09 U “ Scana Energy $170 02/10 U “ National Recovery: Verizon $1524 05/13 U “ Accounts in Good standing (revol. & instal.) USAA Secured Master 0% Never late/paid as agrees USAA Secured Amex 0% “ Student Loan 97% “ *Initiated Why Chat’s Program 08/15 These amounts are so small in comparison to what I see others dealing with . I feel like a fool for ever allowing my credit to get like this. Ignorance isn’t bliss. But what is done is done, moving forward.
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