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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.

According to CK my TU is 659, what is the equivalent Fico

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

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......

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

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.

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)

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.

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.

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!!!!!

Hello everybody, started my dispute process and getting back into the game, can somebody out there please provide me with any current active fax numbers (as they change it all the time) for the three CR bureaus ?? Your help is highly appreciated thanks

I have an Amex with multiple lates (30,60 July, Aug 2014, 30,60,30 Feb/March/July 2015) with a relatively low credit line. I was wondering, is it better to pay it off and close it, or pay it off or to 29% and leave it open. Which would improve my credit the most fast? Its been opened since March of 2008, at 60% utilization currently.

I found another website that is a good compliment to the Credit Pulls page here. Its not as extensive but does give information on average approval scores, credit line and approvals and rejections. Especially if you are rebuilding your credit and very sensitive to what cards you are applying for its very helpful. https://www.financeglobe.com/

Been with the CreditBoards for about a year. I learned a few things and now I'm on my to building a nice beginning credit history. Utilizing some of the tools I picked up from here. I must say though paid off 5 this month (baddies). And best of all 5 removed. Yeah! Looking forward to working a few more issues and fine tuning and then letting cruise control take me in.

I didn't do this correctly. Found this forum too late. PIF Collection. Using what I've found here, got that dispute going. Errors found! No words or actions yet. Even if I fail, should I begin my endevors on the Charge Off? Placed 1 yr ago. Found 1 discrepancy on 1 bureau so far. Chicken or the egg scenario. Collection first, wait for 2 years to pass for charge off or begin my tackle on it now? Positives really: PIF, no SoL. No banking relationship nor future want of relationship with bank. GW to EO have failed. Might have screwed the pooch on this for some tactics.

1. Chase and BOA issued 1099-C's (Code G) for cancellation of debt, in 2014, on accounts which were mine. 2. I included those in my 2014 taxable income and eliminated the tax on that income by showing, via Form 982, that I was insolvent on the day before the 1099-C's were issued. 3. After issuing the 1099-C's, Chase and BOA still reported the accounts as delinquent with the original balances still owed. 4. The accounts were disputed. Nothing changed. 5. Section 623 letters were mailed CMRRR. Not only did nothing change, both Chase and BOA did NOT answer any of the questions asked in the Section 623 letters. 6. IMHO, Chase and BOA have no right to continue collection action on debts they have cancelled. I should hire an attorney and sue. Your thoughts?

I need some advise, I have been cleaning up my credit for the last 9 months or so mostly old debt with the economy fell apart. My scores have slow but steadily going up from the infernal regions. EXP 578, TU 614 and EQ 600. I have had a secured mastercard for the last 7 months and after doing an installment account with fingerhut was rewarded with a 250 dollar unsecured revolving account. I do have a charged off Kohls that is 5 yrs old which now is a Kohls/ Capital one account. I did try to settle with them after sending a letter and got a form letter back that had barely any relation to my request. I have acouple other old collection accounts one with 0 debt and is paid and the other an old medical bill that is past the SOL but another 10 months will come off. I did receive a preapproved Capital one offer 6 months ago that I jumped on for quick silver. I jumped on it and then they asked for my info and then I was rejected. I was told I had too many inquires TU 9 Exp 5 and EQ 2 and also referenced my other negative account history listed above. I do not know because now that Kohls is part of Capital one that I am screwed for all Cap one cards right now I believe so what are the cards I should be trying to go for. I even tried for a Credit one card after they sent me a preapproval also and then they rejected me saying they couldn't verify my identity because they couldn't reach me via phone and there was some sort of credit lock on my credit account on Experian. I contacted Experian and that was not true. Are my score just too low? is there something else that is messing me up. Any suggestions are appreciated and cards that may be a good start to rebuild my credit on a non secured visa/mastercard/AmerExpress/Discover.