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  1. Due to a serious lapse in judgment I acted on the "spend $45 on a new Sam's Club membership/get $45 back" Amex offer, and we joined when I was among the mud people last week. The store was awful. The selection is much smaller than Costco's, and the merchandise itself (aside from national/known brands) is largely lower-end/riffraff stuff. One entire aisle of refrigerated/frozen items was empty. Merchandise displays were messy. We bought two bags of frozen berries and left. Then the email for using the Amex offer never arrived. I looked at my receipt, and the membership was pro
  2. I sent out a validation letter to a medical collection on the 1st. today the 17th i got an alert that a new account was added. The account was never removed to my knowledge but it is the same Collection but now the balance says zero. Why would they do this? I haven't received any response from them. Should I wait the 30 days to see if they remove, or move forward with another letter? Thanks for any response
  3. I am trying to help a friend out that does not have access to the internet. He said the templates are nothing more than pre-done forms to remove or amend credit errors. I have been looking for hours. I was wondering if anything can either attach or tell me where to find them. Thank you!!
  4. Hi everyone, I am a bit confused about a letter I have received from Wells Fargo. It is an old auto loan that was charged off in 2018 (repo). I have only removed addresses and frozen lexisnexis,innovis, etc at this point. I received a letter from WF stating that due to the age of my account they are cancelling the balance, and will no longer attempt to collect. This seems strange to me that they would voluntarily cancel a debt before I've disputed anything. What should I do if anything regarding this letter. I'm hoping the credit Gods are just dropping a blessing down on me
  5. 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
  6. 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 /
  7. I’m newly separated and I’m trying to re-establish my credit and financial independence. There are 4 collections on my credit report that my husband was responsible for when we were together in 2020. We both had extensive blood work done by a lab of which he was paying. We separated and he has not been paying so it went to collections and showed up on my report. I just disputed them online a few days ago and am waiting to see if they are removed. It has my name and not his. Is it even conceivable they will be deleted? My score is in the 500 range right now. I don’t have much credi
  8. Hi! I have a Cap1 account with 4 Lates that are keeping my score at 710, when everything else is clean, low utilization and old, diverse report. The attached screenshot below has all the details... Late payments: Jun 2019 60 day, May 2019 30 day, Feb 2019 30 day, Nov 2017 30 day Any ideas for dealing with this? All posts I've seen here mentioned that the EO etc are not very useful these days. I don't care to lose the whole tradeline, I have plenty other accounts that are older. All I got for my trouble last time I tried to remove v
  9. Hi All, I'm trying to understand the best approach on good will letters for two cards that I settled a few years ago and finished paying in 2020. I had a Bank of America card and Amex which were both charged off after working with a debt settlement company. I was then sued by both cards and BoA garnished my bank account. After hiring a lawyer, the accounts got settled and I finished paying last year. However, the law firm I hired didn’t secure any guarantee to remove the cards from my credit report after payment. I'm starting to look for c
  10. Hi Everyone, I have been at war with the big 3 for a few months now. I have had success with equifax and Transunion removing old addresses. However Experian just will not budge. Ive tried letters and calling and have gotten no where. My question is: Is it possible to dispute baddies off Equifax and Transunion, and once they remove items, to send some sort of follow suit letters to experian to get them to comply if the other two did? This is all hypothetical of course. I have not started disputing yet. Any advice would be greatly appreciated.
  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 have searched & searched for an answer to my question and I can't seem to find one...maybe I am not wording my search query correctly. But... I have an old charge off on EX, that is reporting two consecutive 30-day lates (Dec 2014 & Jan 2015). I am currently attempting to dispute this as inaccurate but they keep coming back verified. I just don't understand how you can have two 30-day lates back to back. If the account was never current shouldn't the 2nd 30 day late really be a 60 day? Or is something going over my head? Just looking for some leverage to possibly get
  13. Hi Everyone, I requested hard copy reports from all 3. I just received my Trans report in the mail. To my surprise my report does not include date of 1st delinquency nor does it show any address identification numbers . Has anyone else had this happen to them? Do I need to request another report? Im so butt hurt, I was eager to get things rolling. Any help would be greatly appreciated.
  14. My credit score right now is 650 according to chase. I want I know if it would be better to pay off closed accounts first, which I negotiated low interest rates for a few years ago, or pay down the active ones first, some of which are near max end have higher rates. Does having these unpaid closed accounts worsen my credit, or does the fact that I am paying them monthly improve my credit?
  15. 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
  16. 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
  17. 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
  18. I had another topic on the this subject a while back but I felt it was getting too far off the mark, so I wanted to start fresh. I'll keep it super simple though, because my current goal is to repair my credit: TL;DR - What do I do with my charge offs/things that have been sent to collection and are well within the SOL? Pay them off ASAP? Pay in Full or go for the discounted settlements? What will let me start building up my score the quickest and allow me to distance myself from my troubled history? I have 2 chase accounts, one is $5k+ and one is $600+, both have been cha
  19. Hi All - I am new here. We are looking for help on how we can move our high APR CCs to 0% with a BT to new cards. We have the following CCs with CL info. We are looking to do BTs to 0%. We opened a couple cards but got low CL, asked for a higher CL but were denied. We opened up US Bank cards to do BTs but got CL of $500 - 600. I tried asking US Bank to increase our CL to no avail. I thought we can leverage our open CL's on other CC, meaning I can lower the CL on a Citi card with 0% util and they would give me more but the CCC said it would not help. One thin
  20. Heya, found this forum through a Reddit recommendation and have been thumbing through it for the past few days, and wanted to thank you all for the information you all post! I'm still kind of new to this, so I'm trying to best figure out how to handle my situation and could use some advice. The wife and I are thinking of home ownership in the next year or two so i'm trying to fix my side of the credit now. I THOUGHT I had several things in collections (frankly I should), but according to my credit reports from the big 3, I don't. Hell, I had 7 negative accounts back in january, but
  21. Almost 40 days ago I sent in 3 dispute letters to all 3 CRA's. I received nothing back from EQ, EX sent me a copy of my report with no changes or notes, and TU deleted 4 accounts. Is there any way to leverage TU to help with the other CRA's? Thank You for any help!
  22. I have another topic I made on here detailing my journey so far, but I felt this warranted it's own topic. I'll start with the TL;DR - I got invited to the Optima program, so I paid off my balance in full, still have yet to receive a letter or optima credit application (I do have an e-mail and reference number at least), and just now my Chase Journey and Experien accounts told me I got a large derogatory mark, specifically that my AMEX was charged off. The long version: Back in 2019 I was on a payment plan with AMEX and I tried to switch bank accounts (my main one
  23. Hi Can I get some guidance on how to remove some old paid off charge offs from my CRs? -CAP 1 paid charge off in 2016 -CAP 1 paid charge off closed in 2015 -Santander paid charge off in 2017 -An old student loan that was 120 days late that was closed to transfer in 12/17 Covid hit me hard so I have tons of charge offs and collections for other accounts that are recent that I know I won't be able to do anything with Any advise would be greatly appreciated Thank you
  24. Hello CB Team, My cousin was Delinquent (90 days) on his AMEX PRG charge-card (total of $2700) and right before paying his AMEX PRG balance off using his tax refund received from the IRS, Amex cancelled it on 2/22/2018 along with his BCE (good status). On 3/5/2018 he received an invitation letter by mail from AMEX saying that they're giving him a second chance if he paid his balance in full by offering him an AMEX Optima application. The problem is .. before he got AMEX Optima invitation letter he already made payment arrangement plan the day before to pay-off his balance IN FUL
  25. Hello All, I have been a member here since 2003 (lost old username) and I cant tell you how many times I have used this forum to learn and I rarely post when something good happens. Well I have something to share. I recently decided to write a letter to the CEO's office at American Express Executive offices asking for removals of late payments on 3 cards, Gold, Platinum and Plum. I had 5 120+ late payments showing on Gold and Plum and the Platinum was a business trade line that wasn't reporting on my personal CR but had 7 years of fantastic perfect payment history. When Mr Chen
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