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Found 783 results

  1. Good Afternoon Everyone, My eyes and brain are feeling like this > after reading all the overwhelming information here. I'm very glad to have come across this community and I'd like to start by addressing my one and only concern at the moment that I have eating up my credit reports. I have delinquent account with a "current" balance of $542 being reported even though it is a Charge-Off and now being managed by a CA. The OC is still listed on my credit report, rather than the CA. Based on my findings and reads on this board. My conclusion is that I should send a letter to all 3 CRB's stating that the balance is incorrect and to delete it from my reports. Where I get confused... is the following. Seeing as how this could just straight up "remove" or worse "correct" it, do I just wait? Or do I do the DV process and go from there? Perhaps i'm looking at all of this incorrectly, but I just want do what's correct in hopes of removing this evil baddie. I'm willing to PIF for deletion if necessary. Thoughts? Help? Thank you for your time. If you need more info, please let me know.
  2. So, I sent DV's to my collections, one including Midland. I checked the Experian backdoor today and it shows the following: "This item was updated from our processing of your dispute in Dec 2015". Mind you, I never received anything back from Midland.... I sent out my letters to Midland 12/07 and they received it (return receipt received). Anyone want to point out my next step? I am going to go back to PsychDoc's seminar.... but if someone checks this now a quick answer would be wonderful.
  3. I just got approved for a citi aa advantage platinum card. (12,500) Can I use the same pull to be approved for the corporate card? If I can do I do it now or do I have to wait to receive the card?
  4. I sent out a letter to First Premier Bank asking them to remove a 30 day late that occurred over a year ago. Their response letter said that the don't remove that sort of stuff. My question is, should I keep sending the letter and ask them to remove it or should I forget about it all together?
  5. Today I received a letter from a collector trying to settle a 4 year old debt. they are willing to settle for half. I could pay it off no problem. But I don't think its a huge factoring problem. Should I just leave the letter alone and move on?
  6. Hello! First I wanted to say thanks to everyone for all the information that is shared here. Following the advice from here I've been slowly working on repairing my credit. Currently, I'm at 717 Equifax/ 703 TransUnion/ 706 Experian and when I first arrived here I was in the low 600s. I have one major remaining issue that I am seeking your advice/opinions on how to attempt to resolve. I obtained a home equity loan from Mortgage Lenders. They sold my loan to Sovereign Bank which ultimately was bought out by Santander Bank. In June 2013, I had a catastrophic life event take place which allowed my loan to lapse 120 days late and ultimately be charged off. I'm going to list the events in order just to try and make sense of it all. 1. CO 8/2013 2. On October 24 2013 I made a payment of $16,994 in an attempt to pay my account in full. 3. On October 25 2013 I made a payment of $110.00 to satisfy what I was told was the remaining balance. 4. On October 28 2013 I made a payment of $23.83 which I was told was the final amount. 5. Since October 2013 there was zero communication of any kind from Santander Bank. 6. In May 2015 I was investigating moving and subsequently was applying for pre-approval for a mortgage. 7. During this process I found out I apparently had a balance of $69.00 with a $3.00 monthly payment due. This was in place from October 2013 to May 2015 when I paid the remaining $69.00. 8. During the investigation phase in May 2015, I spent hours on the phone with varying Santander representatives with great confusion and very little assistance provided. 9. June 2, 2015 I received a letter from Santander stating my account has been paid and closed as of May 19, 2014 (incorrect date from them) with a current balance of zero and amount past due of zero. The account has been reported as "paid in full" to the credit reporting agencies. 10. I have credit report showing status as CHARGE OFF but also showing past due amount as well as scheduled payment and remaining balance. (Oct 2013-May 2015). What I Have Done 1. I initiated CRA disputes as incorrect information reporting. I utilized the Santander letter as documentation (conflicting dates/status). What Should I Do Next? If this challenge fails what do I do next? 1. Goodwill letter? (How do I find address/person so send to? I've looked with zero success so far) 2. Can I challenge the past due reporting while Charged Off? 3. What else can I do to attempt removal? Thanks in advance for any suggestions/advice. I wouldn't have made it this far without all of you.
  7. Hi everyone! I'm trying to help my BF do a LOT of things and I need advice. Here's his background: FAKO scores of 637 TU and 597 EQ (it just dropped due to a hard inquiriy - CLI request he did accidently on his CC). 1 repo - it's recent, but it's reporting weird. It shows as RP for NOV/DEC 2014, then 30/60/180 through SEP 2015 and as of OCT 2015 it shows OK. I believe it's not showing on EQ. He's getting his wages garnished to pay off the repo (should be done January 2016, but unsure) 1 lien - the repo 1 credit card (Cap 1) - no lates, always pays most, if not all, monthly, $800 limit, I believe he got the card late 2014 (I can't recall) 1 car loan - via WF, 20% interest (got the car in May 2015) With my help and his car loan, his scores got above 650 (before the HI). He was thinking about refinancing his car. I told him, even if he can get 17% on a shorter loan, he'll save $2k with the same payment. Which got us thinking....how can he do this? I figured we could do the following: Join NFCU (I'm a member) Wait until his garnishments are complete Get a un/secured CC (more lines, more credit, more history) Let his credit recover from those hits Apply for a refi through NFCU My questions: Should he join before or after his garnishments are completed I ask because I know sometimes they'll pull your credit for opening an account. And if you feel he should join prior, should he apply for an un/secured card at that point, or not? Should I wait until after his garnishments stop? Does it matter? What is the likelihood of him getting refinanced before May with a better rate (maybe 5% less)? Thanks for reading all this. I'm not sure how to proceed and don't want to make a mess of his credit. There's already little of it and it's already screwed up (lien and repo), but at least he's letting me handle everything, haha.
  8. ⭆ WHEN CA IS REPRESENTING THE AMOUNT OF DEBT WRONG 1. THEY ARE VIOLATING TFC TEXAS FINANCE CODE TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER D. PROHIBITED DEBT COLLECTION METHODS Sec. 392.304. FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS. (a) Except as otherwise provided by this section, in debt collection or obtaining information concerning a consumer, a debt collector may not use a fraudulent, deceptive, or misleading representation that employs the following practices: 8) misrepresenting the character, extent, or amount of a consumer debt, or misrepresenting the consumer debt's status in a judicial or governmental proceeding; 2. THEY ARE VIOLATING FDCPA § 807. False or misleading representations [15 USC 1692e] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (2) The false representation of -- (A) the character, amount, or legal status of any debt; 3. THEY ARE VIOLATING DTPA AND THEREFORE 4. THEY ARE VIOLATING BCC (furthermore any violations of this part of the law is also a violation of the DTPA Sec. 392.404. REMEDIES UNDER OTHER LAW. (a) A violation of this chapter is a deceptive trade practice under Subchapter E, Chapter 17, Business & Commerce Code, and is actionable under that subchapter.( This chapter does not affect or alter a remedy at law or in equity otherwise available to a debtor, creditor, governmental entity, or other legal entity. Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.) _______________________________________________________________________________________________________ ⭆WHEN CA ADMITS THEY REPORTED WRONG THEY MUST CORRECT (IN 5 DAYS IF in TEXAS) 1. THEY ARE VIOLATING TFC AND NEED TO CORRECT IN 5 DAYS FINANCE CODE TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER C. INFORMATION IN FILES OF CREDIT BUREAU OR DEBT COLLECTOR Sec. 392.202. CORRECTION OF THIRD-PARTY DEBT COLLECTOR'S OR CREDIT BUREAU'S FILES. c) If the third-party debt collector admits that the item is inaccurate under Subsection ( , the third-party debt collector shall: (1) not later than the fifth business day after the date of the admission, correct the item in the relevant file; and (2) immediately cease collection efforts related to the portion of the debt that was found to be inaccurate and on correction of the item send, to each person who has previously received a report from the third-party debt collector containing the inaccurate information, notice of the inaccuracy and a copy of an accurate report. 2. THEY ARE VIOLATING DTPA AND THEREFORE 3. THEY ARE VIOLATING BCC IN TEXAS ONLY?? (furthermore any violations of this part of the law is also a violation of the DTPA Sec. 392.404. REMEDIES UNDER OTHER LAW. (a) A violation of this chapter is a deceptive trade practice under Subchapter E, Chapter 17, Business & Commerce Code, and is actionable under that subchapter.( This chapter does not affect or alter a remedy at law or in equity otherwise available to a debtor, creditor, governmental entity, or other legal entity. Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.) 4. THEY ARE VIOLATING FDCPA § 807. False or misleading representations [15 USC 1692e] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (2) The false representation of -- (A) the character, amount, or legal status of any debt; or (8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. (11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ------ FURTHERING INVOKING THIS PART OF FDCPA--------> § 813. Civil liability [15 USC 1692k] 1) any actual damage sustained by such person as a result of such failure; (a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- (2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000; or (3) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney's fees reasonable in relation to the work expended and costs. 5. THEY ARE VIOLATING FCRA § 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2] (a) Duty of Furnishers of Information to Provide Accurate Information (1) Prohibition (A) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if (i) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and (ii) the information is, in fact, inaccurate. ___________________________________________________________________________________________________________________ ⭆WHEN CA IS INCURRING INTEREST AND CHARGES - THEY CAN NOT 1. THEY ARE VIOLATING TEXAS :FINANCE CODE TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER D. PROHIBITED DEBT COLLECTION METHODS Sec. 392.303. UNFAIR OR UNCONSCIONABLE MEANS. (2) collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer; or 2.THEY ARE VIOLATING DTPA AND THEREFORE 3. THEY ARE VIOLATING BCC (furthermore any violations of this part of the law is also a violation of the DTPA Sec. 392.404. REMEDIES UNDER OTHER LAW. (a) A violation of this chapter is a deceptive trade practice under Subchapter E, Chapter 17, Business & Commerce Code, and is actionable under that subchapter.( This chapter does not affect or alter a remedy at law or in equity otherwise available to a debtor, creditor, governmental entity, or other legal entity. Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.) 4. THEY ARE VIOLATING FDCPA § 808. Unfair practices [15 USC 1692f] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ------ FURTHERING VIOLATING AND INVOKING THIS PART OF FDCPA--------> § 813. Civil liability [15 USC 1692k] 1) any actual damage sustained by such person as a result of such failure; (a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- (2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000; or (3) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney's fees reasonable in relation to the work expended and costs. ____________________________________________________________________________________________________________________ Please offer any corrections This is my map, I want it to be correct. Let the red marker unleash....
  9. Hello Credit Pro's / Community! I am due to post my story soon. Just haven't had the time as of late... but I will as soon as my reports update with the newer information and I order a new 3B from MF to get my Mortgage scores. Until then, I am still working on some things and need advice. FICO 8 - MYFICO - These should go up a little ( I hope so ) as my over UTI is below 22% now and just waiting for updates to the CRA's. EQ - 648 - No Baddies - No Lates EX - 644 - No Baddies - No Lates TU - 661 - No Baddies - No Lates AAA - 2YRS Oldest - 10 YRS and some change I have plenty of accounts (22+) so I don't think closing some will hurt. Below are three accounts which are of no use to me. Should I close them out? I just received an NFCU Go Rewards Card and NASA Platinum Rewards that more than replaces the CL's from closing these cards by 4X. Gettington - $750 CL - $0 BAL - NO AF - Opened 9-2013 Fingerhut - $2,300 CL - $0 BAL - NO AF - Opened 10-2011 Elan Secured - $1000 - $0 BAL - $39 AF - Opened 9-2010 My goal is to app for a Mortgage as soon as possible so please give me advice on whether or not it would be favorable to close these accounts or just let them continue to age. Thank you!
  10. Before coming to CB, I looked at my CR's and found that there was neg tradline for a jeweler on a watch that I bought from them. I wanted to clear my concious of not paying for this item, and paid it in full. This was about 4 years ago. Recently, I just checked my CR's again from all 3 bureaus, and discovered that the history is showing collection as of May 2015 and even states "placed for collection May 2015" Impossible because I paid this off in 2011 and never owed a balance. What would be the best way to handle this to get a deletion? This tradeline has been one of those that just cannot be removed no matter what I try/tried. What would cause this to update as a collection even though in reality it is not? Thanks in advance!
  11. I have a old verizen cell bill on my credit report the bill is like 6 years old will it fall off my credit report or should I pay the $800 or should I try to settle for less really need it gone trying to get my credit back thanks for all the help
  12. I just recently had a collections account show up on my credit report.(All three) I was able to have the collection deleted from Transunion and Experian with no problem because the Social Security number on the account does not match mines. But when I dispute with Equifax it was returned as VERIFIED. What is the best step to take to have this removed pronto!! I've worked hard to clear my credit over the last three years and this is the only negative item on my report. PLEASE HELP!! Thanks in advance!
  13. I'm over 55, and have a number of old accounts including mortgages with positive payment histories. However due to a bankrupcy (or perhaps an overzealous credit "repair" company) these old accounts have been removed from my credit reports. As a result, my credit history is only about 2 years old (on average) with the oldest account being 4 years. This short history affects my ability to obtain credit now. Does anyone know if it is possible to get previously removed data "restored" on a credit report. Some of mine are so old (30 years +) that its no longer possible or practical to locate the old lenders, or ask them to re-report my account (after all, most institutions probably don't keep records for over 7-10 years). Any ideas? Thanks!
  14. Hi there, Back in 2013 I had scheduled through USAA's automatic bill pay recurring payments to my BOA CLOSED CC . One month the USAA bill pay system did not work and the payment was not sent. I did not catch it until it was late, as the statements were sent electronically and I had never had an issue with USAA's billpay in all the 20 years I've been with them. I made a phone call to USAA to investigate and documented the call. They did confirm there was an error and the payment should have gone through. Recently the lates are showing on all CRA reports as late in 2013 during this time. I have spoken with USAA and they are sending me an apology letter stating that the payments should have been made ( on time) but were not due to a system error. How may I use this leverage and in what order? i.e. Do I send it to the CRA's and/or the OC? The OC first, then the CRA's or save it for using after other tactics are tried like the 1-2 punch as : inaccurate / never late? Thank you kindly for your replies and guidance. I have been reading for years btw.
  15. Hello everyone. I am a newbie, and am attempting to repair my credit. So far I seem to be doing fairly well. I started at 452 trans union and equifax very similar, and am at 552 trans, and 550 equifax. I have disputed all of my baddies with the CRA, and now have mailed out my 623 method letters. My question is one of the CAs (Portfolio Recovery) sent me a "validation" letter today in response to disputing the account with the CRAs. They sent me ONE copy of my bill from Jan 2014, and said this debt is valid, and provided their number for payment options. I hope that they do not send the 623 letter back with a "frivolous" response, but I am wondering what else I can use in response to that letter.
  16. Newbie here and this is my second post. My first one didn't get too many responses so I'm hoping someone can help me this time. I have two judgements on my report. If I open an account with SDFCU are they able to garnish the funds? I had a checking account with Citi Bank three years ago and it was garnished every pay period so I closed it.
  17. According to CK my TU is 659, what is the equivalent Fico
  18. Just over a month ago I was approved for a new car with the above score, which, if any , c/c should I apply for that is unsecured. I also have a car loan of 13 months no lates as well as a 5k revolver (store card) no lates 0% usage . Any advice? TIA
  19. Hey Credit Boards , This is my first introduction post and I need help this credit stuff has me in a Whirlwind. I have been reading everything under the sun on this forum to try to build my credit back and would love some insight. I just started and know I need to follow directions: OMG the craziest thing in the world is I had great credit score of 801 about 7 years ago and was balling out of control on credit and my life took a turn for the worst . Drama with my relationship the love of my life was murdered and I went in a total I don’t care about life phase. Now that I am back to reality Lord knows it took me some years to get back. Fast forward I want to buy a house and was awarded a grant but need to raise my credit dramatically within the next 18 months or I lose the grant . I have been trying to rebuild for the last year by paying on time and Lord know I need to remove the mess to see a dramatic increase. Current Scores FICO SCORES EQ/ EX / TU (myfico) Oct 1. 565/572/567 Oct 15 572 /584 /601 Nov 1 584/596 /647 This is what I have done so far in the last month : A little out of order from the usually but : Opt out Disputed all old address got them all remove : Experian was a little tricky and refuse to remove without me sending some information; I called them and asked for a sup said I was in fear of identity thief, and they immediately removed it after a fews rebuttals Did a few premature disputes of not mines and got a 2 collections removed but 1 came back verified and a judgment removed off my TU reports and the other 2 came back satisfied. This what I need help on What do I do Next Negatives: Public Record Satisfied Judgement filed 3/13 Account type – Credit /Capital One Amt $ 1891 Removal date : 11/16 (- motion court to vacate *Im thinking of contacting the people who sued me to see if they will vacate it or higher a lawyer this is killing my score and raise my TU 50 points once it was removed. CAPITAL ONE BANK USA NA Account type – Credit Amt $ 1666 Removal date : 11/16 Status: Charge off Account paid in full (was garnished) & I have a judgment with the same account so it shows up twice --------------------------------------------------------------------- CAPITAL ONE BANK USA NA Account type – Line of Credit Amt $ 1937 Removal date : 5/2018 Status: Charge off (Capital one account Line of credit 1099C- what should I do I am lost ) ------------------------------------------------------------------------- CREDIT COLLECTION SERVICEAccount type – Collections – progressive Insurance Amt $ 356 Removal date: 1/2022 Status: Charge off (PIF to the original company get a receipt and DV the collection Agency ) ------------------------------------------------------------------------- ***PORTFOLIO RECOVERY Account type – Collections – Ge Money Bank Amt $ 356 Removal date: 2/17 Status: (Disputed not mines removed from all 3 ) ------------------------------------------------------------------------- Jax Electric Authority Account type – OC Amt $ 180 Removal date: 1/16 ( Early exclusion on EX, its not on TU & wait until January for EQ ) ------------------------------------------------------------------------- Enchanced Recovery Company Account type – Collections – Comcast Amt $ 393 Status: (Disputed not mines removed from all 3 ) ------------------------------------------------------------------------- Nationwide Recovery SvcAccount type – Collections – Child Healthcare SVCS Amt $ 86 Removal date: 9/16 Status: Charge off (**HiPPA) Nationwide Recovery SvcAccount type – Collections – Child Healthcare SVCS Amt $ 29 Removal date: 9/16 Status: Charge off (**HiPPA) HIPPA (got to figure out the method) Two Nationwide Recovery Svc – need them off my report – I can PIF but that wont help remove this was for my daughter she had 2 insurances so not even sure what the hell happened here ------------------------------------------------------------------------- FL DEPT OF EDUCATION Account type – Collections – Nelnet Amt $ 0 Removal date: 10/16 Status: Charge off –paid FL DEPT OF EDUCATION Account type – Collections – Nelnet Amt $ 0 Removal date:10/16 Status: Charge off - paid off NELNET LOAN SERVICES Amt $ 0 Removal date:10/16 Status: Charge off - paid off - FL DEPT OF EDUCATION NELNET LOAN SERVICES Amt $ 0 Removal date:10/16 Status: Charge off - paid off - FL DEPT OF EDUCATION (I'm lost on what to do here) (req removal on TU 6 months early and EX 3 months) ------------------------------------------------------------------------- SYNCB/CHEVRONAccount type – OC – Amt $ 828 Removal date:2/17 Status: Charge off – (I'm lost on what to do here) (req removal on TU 6 months early and EX 3 months) ------------------------------------------------------------------------- SYNCB/JC PENNEY Account type – OC – Amt $ Removal date:2/17 Status: Charge off – (I'm lost on what to do here) (req removal on TU 6 months early and EX 3 months) ------------------------------------------------------------------------- JAX FEDERAL CU Account type – OC – Credit Card Amt $ $5,394 Removal date:10/16 Status: Charge off – (Im scared to bother this account because I received a letter back in Jan from a law firm looking to receive payment so I want to wait to 10/16 for it to drop off – of course ask for early removal on TU / EX/ – they have not written me again) ------------------------------------------------------------------------- *************************************************************** ------------------------------------------------------------------------- My current accounts First National Bank secured $500 Open Oct 2015 Capital One Secured MasterCard $500 Open Oct 2015 Credit Union Secured $1500 Open Oct 2014 Capital One – Auto Loan paid no lates $18,000 Opened Dec 2014 Current Plan for this month ** I need an unsecured card but don’t know who to apply to and I want a good credit limit., My thoughts is to look for a company that pulls TU because I have the highest score with them. FYI i had the Amex go blue and that got charge off but dropped because it pass the 7 year mark. Monthly i see Amex Review 2 on my EQ - not sure about this either.. HELP ME PLEASE......
  20. So I sent out a few goodwill letters about 3 weeks ago (one for my student loan and the other for an auto loan) and I haven't received a response as of yet. So my question is should I remain patient or should I send another letter to both companies? And if I do end up sending another letter, am I supposed to send the same exact one or am I supposed to switch it up? Thanks in advance
  21. I have been working on repairing my credit and have had some success thus far, I am now down to the last few and just now sure how to go about the process or where to begin?!?1 I have an acct with First Premier Bank that is listed as a "charge off" listed with all 3 CA Date Opened: 12/11/2009 Date of Last Payment: 12/2009 Date Major Delinquency First Reported: 12/2010 Credit Limit: $250 Balance:$551 Amount Past Due:$551 Date of First Delinquency: 01/2010 Comments:Charged off account, Fixed rate 21ST CENTURY MORGAGE Account Owner: Co-Maker Date Opened: 02/19/1999 Date Reported:07/31/2014 Date of Last Payment: 07/2009 Balance:24,598 Amount Past Due: $17,066 Date of Last Activity: n/a Date Major Delinquency First Reported:09/2010 Date of First Delinquency: 08/2009 Type of Loan: Manufactured Housing Comments: Collection Account The above is for Equifax only, the other two CA have it listed as a REPO which is in fact true, I would like to know how to start getting rid of this on all 3 reports.
  22. So, yesterday i was instantly approved for a NFU rewards Card $19,800, i wanted to get their Flagship visa as well. Whats my chances NF will approve my 2nd app? App say's (Under Review)
  23. Hello all, I am newer to the "art" of credit repair . Here is my situation, in 2009 I went neg. in my TCF acct. Eventually I paid them in full in 2013 ($107). Now that I am credit conscious, I have noticed its still on my report. Any advice? GW letter? Thats what i was thinking. It got sent to a CA called Millenium Credit Services. Its on Reporting on EQ. Thanks in advance.
  24. Hi Everyone, I want to "anonymously" share my experience with repairing and rebuilding my credit with CapitalOne credit cards. I hardly used the card in the first year, thinking that this would benefit me but about a year and 3 months in, I started using my credit card more often and closing the month with a zero balance that's when I started to get CL increases and promotions on this card. Current credit Scores 10/24: Transunion 629 Equifax 655 via creditkarma (not great but getting better, I expect a big hike in 6 months) Transunion 670 via credit tracker (when I applied to citi double points 10/9/15) Current Credit card mix 10/24: CapitalOne Platinum Mastercard $6250CL CapitalOne Platinum Visa $5500 CL Citi Double Points $2,000 (approved last month!!!!) Authorized user: Capitalone Venture Rewards $5000 CL (was approved today and added me as user) Capitalone secured $750 CL (important card that got me preapproval invitation 2 years ago) Chase Freedom $2k CL (mom opened this month - not reporting on my account yet) TJMAXX $4400 CL (increased over time) - since 2011, added me last year. Student loans: 12-13 open accounts Collections: 0 (successfully removed a couple) Public Records: 0 Mortgage: 1 (since july 2015 but just started reporting now) Credit utilization 17-19% this month (previously under 9% a month ago) Goals: 1. pay off Capital one Visa and combine with with capital on MC to one card wich a high CL. 2. Maintain a very low balance on my cards. 3. take advantage of the 0% apr on new cards where I'm authorized user for wedding related purchases. 4. Switch to citi double for my everyday purchases for more points and 0 apr . 5. Hopefully get preapproval offers from cards where I am an authorized user. Definitions: new purchases= amount charged on the card during the month (does not include previous balance) Payments = total payments made that month, if payment exceed previous month's balance there is no interest in the account balance for the month Balance = amount left unpaid on the card to be paid off by due date. To avoid interest I always pay at least this amount by the due date on the statement (never the minimum). TIMELINE 2013 June 2013 my fiance added me as authorized user of his secured capitalone card with $500 CL. I cut it up and never used it. December 15 2013 received a pre-approved offer Capital One Platinum MC with no cash back no annual fee and got a $750 CL - Chocolate Goodness offer but it was my opportunity to start rebuilding. I was thrilled. no purchases billed for in 2013 2014​ Statements/Balances: note that amounts have been rounded off and may be off by $1 January 11, 2014 first statement balance was $388 after a $200 payment 2nd statement - no purchases brought balance down to $188 3rd statement - no purchases brought balance down to $100 ($88 payment) 4th statement - $335 new purchases; $280 payment - balance $154 5th statement - $638 new purchases; $616.50 payment - balance $176 --note: purposely started using CC for SOME everyday purchases,groceries; dining; shopping to create activity on the account. 6/11/14 CL increased from $750 to $2250 and cash advance $2250 6th statement - $652 new purchases; $759 payment - balance $69 7th statement - $1,222 new purchases; $1,099 payment - balance $192 note: this month I paid for hotel expense. 7/24 OPENED A SECOND CAPITAL ONE CARD - PRE-APPROVED FOR VISA PLATINUM WITH 1.5% - $2000 CL - TOTAL SPENT ON CARD in 2014 FROM AUG-DEC $8360 about $1672 per month - maintained low statement closing balances: Aug $95; Sep $111; Oct $197; NOV $302 and Dec $0. CL increased over time. 8th statement - $920 new purchases; $1,000 payment - balance $112 9th statement - $232 new purchases; $344 payment - balance $0 - 0% APR offer expired on SEP14 10th statement - $271 new purchases; $175 payment - balance $96.56 11th statement - $153 new purchases; $160 payment - balance $90.38 12th statement - $403.84 new purchases; $0 payment???I don't remember this -fees and interest $28.84 - $25 late fee was reversed when I called to complaint, apparently this was a mistake as to when the payment posted. Important notes: December 11 - applied for a credit card line increase and got denied.Unfortunately, your account isn't eligible right now.· Recent use of this account's existing credit line has been too low. today as I post this I remembered that I did not earn any cash back until 3/16/2015 - so watch out when you get a pre-approval in the mail, it's not always the best offer --- sneaky! 2014 Year End Summary Dining $1,013.97 Merchandise $1,720.67 Entertainment $7.00 Travel Lodging $610.00 Other Travel $441.65 Phone/Cable/Internet: $309.62 Services $301.13 Other $105.00 YEAR-END SUMMARY TOTAL $4,509.04 2015 Statements/Balances: 1st statement CAP MC (oldest credit line) - $74 new purchases; $597 payment - balance $4 - fees $4.22 (not sure where this fee is coming from) CAP Visa: $1258 new purchases; $1065 payment - balance $193 2nd statement - $538 new purchases; $542 payment - balance $0 CAP Visa: $722 new purchases; $608 payment - balance $307 3rd statement - $22 new purchases; $22 payment - balance $0 CAP Visa: $2275 new purchases; $2116 payment - balance $465 CAP MC was automatically upgraded to quicksilver with 1.5% cash back on 03/16/2015 - so in the next statement you will see a huge jump on my spending to collect points. I started to pay my student loans, shopping and everyday purchases on this credit card. 4/11/15 CL increased from $2250 to $4250 - cash advance $2250 - I applied for this increase 4th statement - $1655 new purchases; $1156 payment - balance $499 CAP Visa: $3432 new purchases; $3298 payment - balance $600 CAP MC: Applied for reduced rate and got approved: your Annual Percentage Rate (APR) for purchases will be a variable rate of Quarterly Prime + 15.65% (currently equal to 18.9%) for 7 months. Thereafter, your APR for purchases will be a variable rate of Quarterly Prime + 19.65% (currently equal to 22.9%). 5th statement - $1814 new purchases; $2018 payment - balance $295 CAP Visa: $436 new purchases; $1036 payment - balance $874 6th statement - $1298 new purchases; $1619 payment - balance -$25 overpaid CAP Visa: $1134 new purchases; $1143 payment - balance $0 7th statement - $909 new purchases; $874 payment - balance $8 CAP Visa: $1145 new purchases; $1145 payment - balance $0 CAP MC August 5th applied for a CL increased and got denied due to recent increase. CAP MC August 31st applied for a CL increased and got denied due to recent increase. 8th statement - $1353 new purchases; $1361 payment - balance $0 CAP Visa: $930 new purchases; $441 payment - balance $488 9th statement - $1389 new purchases; $1146 payment - balance $243 CAP Visa: $1574 new purchases; $774 payment - balance $1289 CAP MC Oct 9th applied for CL increase and got approved.10/19/15 CL increased from $4250 to $6250 - cash advance $2250 10th statement - $557 new purchases; $250 payment - balance $551 2015 Year End Summary - not available yet .. will post once available along with points earned.
  25. Excuse me as I am shaking as I write this. As many know I have been rebuilding for 4 months, my scores have gone from 550s to mid 600s across the board (FICO 8s),... I had MULTIPLE COLLECTIONS deleted, charge off from First Premier, and minor baddies. As of this morning, my last baddies were a Capital One CO from 2013 (only 2.5 years old, likely killing my score) and 3- 30 day lates for student loans now in dispute with WF, from 12 months ago. I GWed Cap One for 9 weeks, and got contstant denials even from EO, I think 4 times -- was honest, mentioned my 2 accounts in excellent standing, and the like but no go ... UNTIL THIS AFTERNOON at 2pm. I kept getting the generic BS of "We can not delete accurate information blah blah blah its illegal blah blah " ... so I demanded a call from a true EXECUTIVE, as I have friends who have gotten GW deletions with Capone -- I even mentioned consumer discrimination in my letter (doing it for one, not the other exact same reasoning, etc - I was VERY polite and professional about this). As of 2pm, I got a call from a to execuitve with the APPROVAL TO DELETE THE CHARGE OFF!!!!!!!!!!!!!!! They have electronically notified the 3 bureaus and are faxing me a letter of proof tomorrow! THIS IS MY LAST BIG BADDIE, FOR REAL!!!! GONE! CAPITAL ONE!!!!!! My scores today are: EXP 644 EQ 637 TU 662 .... After this deletion, especially it being my last MAJOR baddie, I am expecting either a rebucketing which will make me cry LOL, or a HUGE SCORE BOOST!!!!! TU may easily get over 700!!!! My reports are now almost clean with UTIL at 30% (and lowering as of 11/1), AAofA 6.7 years, oldest 13 years, and only the 30 day lates NOW in dispute left!!!!!! IT CAN BE DONE PEOPLE!!! IT CAN BE DONE I will report back tomorrow if it deletes overnight which it usually does, with scores -- if not, I will call my contacts at the 3 burueaus to manually delete with the letter. I cant believe this, I really cant. FIGHT until you get it done - THANK YOU SO MUCH to all fo you on here, I am in the HOME STRETCH!!!!!

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