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Found 781 results

  1. Does accepting a settlement offer on a closed credit card account help or hurt you in the long run. Account closed with Best Buy in December and now receiving settlement offers from CRA. Should you go for it? What about requesting a pay for delete along with it?
  2. 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 truly appreciate your participation. Amazon (store card): see Synchrony (GE) AMEX: (Oasis Program) AMEX: 866-314-0237 (new app status) AMEX: 800-582-6471 (recon with frozen EX for pin) AMEX Business charge cards - (877) 399-3083 AMEX Credit Bureau Unit: 800-874-2717 (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number) Barclays: 888-232-0780 (Customer Care) Barclays: 866-408-4064 (Credit Analyst) BBVA Compass Bank: (American Express Card issues only) 866-246-2924 Best Buy: 877-420-0001 Best Buy: 888-908-9890 (Credit Analyst, existing accounts only) BofA: 888-260-4696 (secured accts.) BofA: 800-824-5895 (secured & partially secured accts.) BofA: 800-881-4730, 866-226-8225, 800-247-7975 (Credit Analyst, existing accounts only) BofA: 866-618-4585 (Sr Credit Analyst) BofA: 704-386-5687 (Office of the CEO) BofA: 888-500-6270 (Credit Dept. Fax) BofA Business: 877-665-5023 (Analyst/UW) BofA Business: 877-665-5023 (New applications) BofA Business: 800-442-1043 Cap1: 800-625-7866 (Account Specialist) Cap1: 800-951-6951 (cust. relations) Cap1: 800-548-4593 (application department; status) Cap1: 800-889-9939, 800-625-7866 (Account Specialist) Cap1: 877-513-9959 (Account Retention?) Cap1: 800-258-9319 (Debt Recovery) Cap1: 866-280-0118, 800-955-1455 (EO) (Nerfed in general) Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst) Chase: 800-432-3117 (App status) Chase Personal CC Recon 888-270-2127 Chase Business CC Recon 800-453-9719 Chase: 800-453-9719 (Business card lending) Chase: 888-622-7547 (Chase Executive Ofc. in IL) Chase: 800-955-9900 (Product change status questions) Chase: 888-298-5623 (Consolidation - M-F 8am-10pm EST) Chevron/Texaco Biz Card App Status: 888-243-8358 Citi: 800-645-7240, 800-288-4653 (Citi Business) Citi: 800-750-7453 (Business) Citi 888-201-4523 (Personal) Citi: 718-248-0847 (EO) Citi: 800-695-5171 (New Accounts UW) Citi: 605-331-1698 (EO - CC division) Citi Credit Bureau Dispute Fax: 866-713-5028 Comenity: 800-303-1368 (Consumer Relations - Recon) Discover: 888-676-3695 (New Accounts) Discover: 866-305-7691 (Direct Line TO CS) Discover: 866-222-0536 (EO) Elan: 800-364-9648 (CC underwriting, business and personal) Equifax: 800-846-5279 (Direct to Rep) Equifax Executive Office 404-885-8000 Experian: 800-493-1058, 800-208-9232 (9AM-5PM ET, need report number from EX) ExxonMobil Biz Card: 800-903-9966 FIA: See Elan FNBO: 800-444-6220 GEMB: 877-294-7541 (escalated help desk) Haverty's/Sync: 800-333-1082 Home Depot Store Card: 800-677-0232 (Credit Analyst) Home Depot Store Card: 423 467 6957 (App Status/Recon) Home Depot MC (Commercial): 800-720-0649 Home Depot: 800-685-6691 (Commercial) Hooters: 801-545-6705, 800-850-4668 HSBC: 866-574-4421 (App Status) HSBC: 866-719-3897 (Credit Analyst) JC Penney: 800-542-0800 Juniper: 866-408-4064 (Credit Analyst) Juniper/Barclays: 866-750-6031 (Corp. Offices) Key Bank: 888-201-4523 (App status) Key Bank: 800-254-2737 Key Bank MC: 800-288-4653 Key Bank Credit Research Fax: 216-357-6400 Lowes: see Synchrony (GE) Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues) Macy's: 800-543-9617 (Recovery Services) Marvel: see Synchrony (GE) Meijers MC: 801-517-5560 National City: 800-762-0974 (Credit Dept.) Nationwide Visa: 866-757-2720 (App. status) Nordstrom: 800-964-1800 (CLI) Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker) Philips 66: 866-289-5630, 800-610-1961 PNC Bank: 800-762-2117 (Business CC) PNC Bank: 877-562-0150 (Business UW) Sam's Club: 800-301-5546 (Underwriting) Sears: 800-599-9710 (App status) Shell Fleet Card: 800-223-3296 (App status) Shell: 800-223-3296, 866-438-7435 Shell: 800-377-5150 Staples: 800-767-1291, 800-282-5316 Sunoco Corp. Card: 800-935-3387, 800-278-6626 Sunoco: 800-310-4773 Synchrony (GE): 800-240-0512, 800-480-0205 (Biz) Synchrony (GE): 800-588-4290 (Consumer) Synchrony (GE): 877-379-8175 (Sr UW) Synchrony (GE): 888-885-6937 (Verification) Synchrony (GE): 800-333-1082 (Haverty's) Synchrony (GE): 866-519-6441 (Marvel CC, Sr UW) Target Biz Card: 800-440-5317 Tiffany: 800-770-0800 Transunion: (312) 466-7719 (Corporate Office Resolution Team Voicemail) Transunion: (610) 546-4600 (Corporate Office, need extension or last name to search directory) USAA Bank Secured Platinum: 800-344-5696 ext 38763 (secured product specialist) US Bank: 800-685-7680 (Underwriting) US Bank Secured Platinum: 800-344-5696 (underwriters for secured product) Valero: 877-882-5376 Walmart (Sync): 877-379-8175 (Sr UW) Walmart (Sync): 877-969-5302 (Verification) Wells Fargo: 866-677-1128 (CC Executive Office) Wells Fargo: 844-576-6424 (Executive Office) Wells Fargo: 877-514-3717 (Amex Propel Credit Svcs) Wells Fargo: 844-879-4824 (Direct # for Product Change Credit Svcs) Wright Express: 888-743-3893
  3. Hello, I am a long time member but I have been away for a long time. I am looking for some advice or just opinions that I am doing the right thing! To start I am looking to buy a home by the end of the year! My Current Situation: AMEX: Opened Feb 2012 / Balance $0 / Limit: $6700 / One 30 Day Late Payment Barclays: Opened Oct 2019 / Balance $387 / Limit $1000 / No Lates Capital One: Opened Dec 2010 / Balance $202 / Limit $5750 / One 30 day(Feb 2019), One 60 Day Late (March 2019) Discover: Opened June 2020 (0% Balance Transfer) / Balance $9343 / Limit $9500 Kohls/CAPONE: Opened Oct 2016 / Balance $0 / Limit $3000 Merrick Bank: Opened June 2011 / Balance $0 / Limit $3300 / 30 Day Lates (Oct & Nov 2018) - 60 Day Late Dec 2018 - 90 Day Late Jan 2019 Nordstrom: Opened Nov 2012 / Balance $0 / Limit $5800 / No Lates THD/CBNA (Home Depot) Opened June 2011 / Balance $2000 / Limit $6000 / No Lates CLOSED: PNC Credit Card Opened Jan 2016 / Closed Dec 2018 Legally Paid in full for less than the full balance Lates: (2017) Aug 30days - Sept 60days - Oct 60 days- Nov 90 days (2018) Jul 30 days - Aug 60 Days - Sept 90 Days - Oct/Nov 120 Days CLOSED: SYNCB/LAZBOY: Opened DEC 2014 Closed Oct 2017 Good history no negatives CLOSED: NOT REPORTING NOW: Credit Union CC Balance $8500 with late pays (I am sure this will show up when i least expect it) AUTO Loan: US BANK Opened April 2020 Good History - I have 5 closed Auto Loans with perfect history Student Loans: - Balance $7410 Good History - Balance $6165 Good History - CLOSED: Good History Personal Loans: - CLOSED: One Main Financial this loan was paid in full in 3 months! 401k Loan: $9500 - Auto Pay through pay checks does not show on credit report ------- Now you know my current situation: I just did the balance transfers on the Discover and it has increase my FACO score a large amount. I am thinking of taking a personal loan from my bank to pay off my 401k loan. I would then be able to take out a larger loan to pay off all my revolving debt and have it automatically taken from my pay checks at a 5% interest rate. I would normally leave the balance on the discover card at 0% but that ends in 14 months which I do not know if I would have it paid off in time. As I said i am looking to buy a house before the end of the year. Should i go forward with this process? Why I am thinking of the 401k loan... 1) I like the idea that I have a very low interest rate and that interest actually goes back into my 401k 2) I know the debt will be paid off in 60 months 3) If god forbid i lose my job the loan is paid off by my 401k (I know this sucks but it does protect me) 4) this will clear up my credit report of debt and maybe increase my credit score more I have a plan in place to not run up credit cards again. we are living will within our means now and not running up debt but actually slowly paying it off with high interest. It will go even faster with low interest rates! The way I figure I will be saving an average of $400 a month in interest alone! Please give me your honest opinion on what I should do! -Apsman-
  4. Hello Credit Board I am newbie to this forum, but have been lurking for a while. I had recently pulled my credit report and I am having major issues with my student loans. Apparently I have loans that have been transferred \ sold and now are with a new company. The original loan was open back in the 2000's but they are still showing on my credit report. I am not sure how I can have these removed. Any assistance would be greatly appreciated. Thank you in advance
  5. Long time lurker, now ready to participate! Just paid off 25k of 120k debt. 11k stupid installment loan from penfed, and 14k credit card debt. CC debt utilization down to 62%. No other debt except mortgage. (Just paid off only auto loan) have 5 student loans 5k balance. I'm hoping to have CC debt paid in under 4 yrs I'm going after highest int rate cards first. Any other wisdom or ideas about how to handle my credit profile ? Is my utilization too high to start requesting no inquiry CLI's? Thanks
  6. I just wanted to share my strategy. I've written them many many good will letters and always get the generic response. I decided to message them on Facebook and I got an actual human in the states who responded the same. I then replied with a true sob story and the guy said he could remove 1 late payment from each card. This will change my life so much and hopefully raise my score. I just wanted to to share with you guys who might have issues with comenity
  7. I have a Sprint collection with a hefty amount that is reporting with Source RM, the only collection on my file. Dofd is 12/2018. It was originally passed to Convergance, and most recently Source RM. I DV'd Source RM and received bills and a contract for a financed phone. Is this sufficient validation? Also, should I just leave this alone until the sol passes and then work to get it removed? Also how will the merger with T-Mobile affect my ability to get this removed?
  8. I am working on cleaning up a few items on my credit reports and not sure which way to start. There are two Paid Collection medical bills showing on my reports, which is hurting my ability to rebuild my credit after divorce. They both are being reported by the same medical collection agency that is a local company where I live. They are both old, but still have a couple years to fall off my reports. One for $73 has a delinquency date of 3/2015, assigned to collections 1/2016, paid in full 7/2016. Last reported to credit bureaus on 6/2017, The other one for $164 has a delinquency date of 5/27/15, assigned to collections 10/2016, paid in full 12/2016 and was last reported on May 18, 2020. Should I call them and request a goodwill adjustment to have them remove the reporting, write a goodwill letter, or move to the HIPAA letter? I also have one account in collection status that I disagree with. I had disputed it via the credit bureaus, but only got a notation in the credit reports that the debt was conforming, which I am sure means they contacted the collector and they said I owed the debt. This is a credit card debt that appears to be sold to a collection agency. The debt amount is $370, delinquency date 12/2018, turned to collection 6/2019. I am not even sure what this is, but may just be continual late fee charges on account I though was closed. Where should I start with this one? Pay for delete or validation letter? I made the mistake of ignoring my credit report after divorce in 2016 and have a thin file, but these three things are seriously hurting my ability to get a credit card acceptance. I don't want to keep having hard credit pulls for applications when I know these items are a big reason why I am being turned down. Thanks for letting me tell my story. Lola2020
  9. Hi. Thanks everyone for push out of hopelessness. My scores have increased about 30 points each, and this without reflecting that I paid off a $2500 installment loan a week ago. Total paid off is about $7000 in 6 weeks. · My goal is to buy a home with an FHA loan around October 2021. · I have $2000 per month to put toward resolving these negatives. · I don't know if I can call BBVA and Net Credit and work out payment arrangements, or if I need to have all the money now. Scared to call—I keep hearing “don’t talk to them.” My question is what order to put these in based on how quickly it will impact my credit score. My options seem to be: 1) Resume student loan payments ASAP, over the next year just save the money monthly and pay BBVA first and then Net Credit, then down payment. 2) Pay BBVA first, resume paying student loans in September and then pay Net Credit over the next 12 months. Remaining negatives on credit report: Defaulted Student Loan · Wait 1-3 months and use that $850/month to work on the other two items? BBVA · $5600 charge-off as of Sept 2019 · Planning to just pay it, assuming I'll have to pay in full but not sure Net Credit Financial Services · $6900 charge-off from Sept 2019 · Planning to just pay it, assuming I'll have to pay in full but not sure When do I apply for the mortgage, by the way? How far ahead of when I want to close? THANK YOU!!!!
  10. First thank you for all the knowledge posted here, I have followed CB off and on for over 10 years. So here is me current credit Pic and I don't know what approach to take... except getting credit one and the AT&T charge offs removed. Once I receive me new unsecured Cap 1 I'm hoping that gives me a score bump because I really don't have any open accounts as you can see. Discover said no to their secured card 😢 I have been a member of NFCU since 97 but my account is dormant just need to deposit money in savings to make active. But I was thinking I need to wait until I clean up my TU and bring scores up before trying for their secured card. I'm assuming the student loans are hurting me but didn't want to contact them until I got better guidance from you all. I could desperately use some guidance from you all Fico 8 eports & scores as of March 10 Experian 558 Citibank AU $6500 limit $4977 =76% usage - 9 years old never late - I disputed this account due to usage being high and it was removed- no change to my score Belk AU $9000 limit $1666 balance = 20% usage- 20 years old never late Care Credit AU$4000 limit $0 -no usage - 8 years old never late Sears - closed AU no negatives CarMax paid closed $19,117 -opened 4/14 closed 7/15 Acendium student loan 44 lates CO $2872 updated 8/16 EDSOUTH student loan 10 lates CO $1750 account transferred to another office last update 8/16 EDU SERV OF AMER student loan CO $1984 account transferred to another office last update 12/14 FED LOAN SERV- closed exceptional payment history 5/15 GLESI/ Bank of America -closed exceptional payment history 2/12 US DEPT ED/ GSLI closed CO $1017 seriously past due last updated 2/20 US DEP OF EDU/ GSLI closed CO $2701 seriously past due updaye2/2020 Inquiries Cap1 3/20 - unsecured card $300 limit in mail Discover 3/20 - declined secured card TU 509 Belk - same Care credit - same CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17 Discover -same Sears-same NFCU AU- closed updated 5/23 $20k limit exceptional payment history Carmax-same All the same student loan info Collection AT&T Mobility $1206 collection opened 9/18 updated 2/20 Inquiries Cap 1 EQ 535 Citibank same Belk- same Care credit same Creditone same Discover same NFCU SAME CarMax same Credit union atl $3803 CO auto- opened 4/11 CO 12/14 - consumer disputes EDSOUTH GLESI SAME EDUC SERV AMER same FED LOAN SERV same FED LOAN SERV same US DEPT EDUC same US DEPT EDUC same Inquiries Cap1 same
  11. Hello everyone, Long time lurker but first time poster here, looking for a little help on where to go next to achieve my goals. Here is a little backstory on what I've done so far. I Should have Filed BK a long time ago but was too proud/stubborn to do so. I was absolutely buried in payday loan debt, buried to the point it took almost all of my paycheck to pay them. I basically ran credit cards up to get by. I took out a a 11k loan @ 25% earlier this year to knock out the payday loan debt and tackle some of the CC debt. I know the interest rate is ridiculous but its better than the payday loans and equal to or lower than the CC rates i was paying. I was able to get back on my feet with this loan and now actually have money to pay my bills and then some. My goal is to get my score up high enough to secure a much lower interest loan to get rid of this crazy 25% loan and hopefully secure a card with a good BT offer to get rid of the rest of the credit card debt. Here is what i have going on currently 629 FICO Score the 25% loan has right around 10k left on it $7877 in revolving debt for a 67% utilization rate. Most of the cards with balances are still close to maxed out 80%+ Utilization I was just added as an AU to a card with a $6600 limit and 0 Balance. Once this reports my utilization should be down to roughly 43% As for baddies i currently have 1 collection that is due to fall off next month and 3 late payments from Credit one bank. I sent Credit one a goodwill letter and to my surprise i received a response yesterday that they will be deleting those late payments for me. So within a month or so my reports should be completely clean from baddies. I will be receiving a small bonus from work soon. I should net somewhere between 1500-2k if i guessed right on taxes. Where should this money go once i receive it? Does it reflect better on your score to have more cards with 0% utilization or more cards with a balance but none of them with really high utilization? Also what kind of score do you think i would need to secure a loan to get rid of my current high % loan and secure a card with a good BT deal to help knock down my revolving debt quicker? Thanks in advance for all of your help.
  12. Hi everyone, just looking for some advice... I'm in the last year of my 20s and have a very high debt in general. I blame my past self since after getting my first job, I was blinded by approvals of several credit cards and used them like cash. I would like to start my journey to a better credit score, especially since my 30s will probably consist of buying a home and having children with my fiance. Not really sure where to start... I'd like to start bringing down my debt but I feel so overwhelmed with everything that I have to pay for. I currently keep track of my money using a spreadsheet, but that doesn't mean anything if I don't actually try to pay off the debt I have... I recently paid off my Chase CC balance (that's why it's 0 right now) and an installment loan around $2,500. Would it be better to pay the closed accounts first (at least the ones accruing interest), or pay off the balance in my open accounts? Any advice would be helpful, thank you! With that being said, here are my stats: Credit scores Experian - 565 | Equifax - 582 | Transunion - 587 Current monthly bills - ~$1240, including payments below Monthly salary - min $2,500 *New job that just started this month; previously, I was earning around $1,200 a month Current savings - $3,000 OPEN CC ACCOUNTS Chase - 0 (balance) / 500 (limit) @ (23.15%) min payment: $25 Capital One Quicksilver - 1,519/1,500 @(22.90%) min payment: $44 Capital One Platinum - 2,230/2,250 @ (22.90%) min payment: $70 CLOSED CC ACCOUNTS Bank of America - $2,110 @ (21.24%) min payment: $70 Barclays - $920 @ (21.24%) min payment: $30 CareCredit - $1,200 (under hardship assistance, interest no longer accruing) min payment: $22 Nordstrom - $1,915 (under hardship assistance, interest no longer accruing) min payment: $22 PayPal - $1,083 (under hardship assistance, interest no longer accruing) min payment: $25 Student Loans Sallie Mae - $25,000 (deferred payment, only paying $25 a month) Fed Loans - $16,000 (forbearance due to COVID19)
  13. In reviewing my Equifax report, I noticed 4 accounts that have comments saying "Payment is payroll deductible." 3 of the accounts are closed and charged off credit cards. The 4th is open and being paid as agreed with never any lates. It is clearly not an error in reporting by the creditors because it shows like this on each account (with different dates): 04/2016 Payment is payroll deductible 08/2016 Payment is payroll deductible 02/2017 Payment is payroll deductible I am 100% Positive I have no judgements against me that would enable a credit card debt to be payroll deductible. Is this an effort on behalf of the creditors to further damage my credit by making it appear that an there has been a judgement against me for a particular debt when that has never actually occurred? I've done extensive searching online and haven't found any answer as to why this comment appears.
  14. 1. EX & EQ deleted a collection acct from my report in 2016 after one initial dispute 2. In 2019, a JDB reports on EX & EQ for the same acct. I requested a DV and the JDB sent the initial application. 3. OC sent the wrong item in 2014 and after 6 months of disputing they stopping collection attempts. (technically this should be #1). 4. I disputed the JDB (2nd ÇA) with the CRA’s and it came back verified. What letter can I send to the JDB after they responded with the initial application from 2014 and what is another dispute tactic to the CRA that only responds with previously verified. i searched but searching here is not the same anymore. thanks in a d’avance for input
  15. I have 6 trade lines reporting from Ascendium collections with notation of student loan and various amounts. After reviewing my credit report it shows US Bank as the original creditor. I called the student loan servicing phone number and asked where these tradelines are coming from & the rep states my student loans were consolidated. So of course I asked how because I don’t recall and never signed any docs. I requested her to send me the consolidation signature docs and any reference documentation. She only sent the original loan dating back 24yrs. Can someone offer advice how to handle this and get this Ascendium off my credit reports. I have disputed with the CRA and they came back verified multiple times. I requested validation from Ascendium but no response. the listing shows On my credit report as removal date: 11/2021. if it does fall off next year I don’t want some new servicer picking it up and starting the game over. im equally concerned that a consolidation happened without my knowledge.
  16. Hi everyone. I have a few baddies on my report listed below. Any advice one how to tackle them would be greatly appreciated. Thank you! This auto loan is reported as included in Bk on EX but not on TU and EQ. This collection account is from an apartment I was living in a few years ago. It is reported as included in Bk on EX but not on TU and EQ. I am still getting letters and phone calls from the collection agency. This account is from Credit One. It is sold to LVNV Funding for collection. These two charge offs from Cap One and Discover have not been sold to collections. I currently have the funds to pay for delete or settle for less and then dispute later on. Any advice on how to tackle these will be greatly appreciated. Thank you!
  17. Out of the blue I get a bill for $126.58 from Convergent. It says it is on behalf of Cox. I have no outstanding bill with Cox, am completely paid up with zero balance. I have never received a call or a previous communication from Cox or Convergent. Are they sending little bills to Convergent hoping people will pay them since the amounts are too small for Cox to deal with? Confused.
  18. I have a charge-off that is still with the original lender. How do I begin to dispute this. Do I ask for validation first or do I start with the 609 letters.
  19. Hello - I have two similar scenarios. One is mine and the other is a family members'. My scenario: I have 3 student loans that are currently in forbearance. However, they are showing closed on EX. They are active on TU & EQ. Can these be disputed to get them reporting as open on Experian, will making on-time payments when out of forbearance fix this or should I just leave it alone? (They are older accounts and help the average age of my accounts). Note these accounts have a long positive payment history. Family member scenario: Family member's home was in foreclosure, but they reinstated it right before the auction. They are now current and have made two on-time payments. The account is now closed on EQ and EX, only open on TU. Will this account eventually report correctly now that they are making on-time payments? Should they do anything to get it to report accurately as open, on-time payments and not in foreclosure?
  20. 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 Chenault's assistant called me on my cell phone to tell me that he personally read my letter and now Amex is adjusting all 3 TLs to report on my personal CR with a perfect payment history on each TL ! I literally was blown away. All I did was write a letter stating the situation that I had and told the truth. The letter I wrote was personal and not some standard cookie cutter stuff you can find online. See, thats the trick that always worked. Tell your story, make it personal and make it sound authentic. I cant tell you how many times Goodwill letters have worked for me. I just told the truth and the success rate is pretty good. I have to be honest, I was so shocked when the office of the CEO called me personally. Usually I dont pick up the phone if I dont recognize the number as Im getting slammed from telemarketers lately (probably should have a separate thread to discuss that) but man, super super happy. Ill post the results here on my scores but Im projecting a 30 point bump on each CRA at least. Good stuff!
  21. Hi My wife (yes, it really my wife and not me😤) has late payments on these four creditors. I wanted to send a goodwill letter to these creditors. However I want to concentrate my efforts on the one where I may have the most success, So if anyone has had any experience with any one of these four creditors in getting late payment successfully deleted by a goodwill letter I would appreciate it. And yes I understand Goodwill letters are shot in the dark and for the most part not successful. However I have had a few success stories using them in the past. Thanks.
  22. Hey CB, Its me again lol I really could use some help because I'm getting nowhere. I feel like the more I read the more uncertain and confused I am about just how simple or detailed my DV letter should be 🤦‍♀️. I should have sent this letter out Friday, and here I am Tuesday stuck. So I searched my particular CA and based on what I have read they can be a pain to deal with, which causes me to second, hell triple guess myself on what my letter to them should look like. Can someone PLEASE just guide me in which direction I should go. So here is info on the collection : I am in Georgia Only reporting on TU Just hit my credit within 30 days No prior communication from them because they probably have incorrect address for me Collection is with Credence RM Says placed for collections 9/18 OC AT &T mobility This is my only negative I haven't resolved a ND I'm approaching the finish line so I think I'm just overthinking it
  23. Need advice on what I should do. Account opened 2/16 delinquent 5/16 I ordered my hard copies of all reports and I just noticed they have been recently doing soft pulls 😒 Those pulls were probably triggered by my disputes. I live in GA so I'm still within the SOL. What my concern is that they will sell it off to a collection agency and then I'll have that ding on my credit as well. I only have one collection and its on TU from a company that's trying to collect on a 2018 ATT bill that I'm in the process of doing the 1-2 punch on. So I definitely don't want a new collection added. The limit was small, only $300 but of course it's showing like $604. So, should I just contact them and try to settle for pennies with a PFD at best or settle for a little more with one less stress about new collection at worst? Or is there something else that I may want to consider? I have already disputed this account once and EQ is redisputing (I won't make a move until they finish their dispute) while TU updated it to show "charged off as bad debt purchased by another lender" Thanks for any guidance you can give with this, its greatly appreciated!
  24. Hey there everyone! I've been a lurker for way to long and decided it's time to get to rebuilding my credit. Thank you to everyone who has contributed on this forum! It has been a help to many and will to me also. So here are my details....🤕 Background About May 2014 I lost my job of 5 years and my apartment all in a 30 day span because life happens of course. I had some savings to stay afloat but it ran out and I couldn't run to a well paying job like the one I had fast enough. Hence, my credit went down the drain over the next year. Baddies I sucked it up and went to MyFico to get a real snapshot of my situation after pulling my three annual reports. At this time I have about 10 baddies on my CR s. Bank of America - CC that is a CO Hey there everyone! I've been a lurker for way to long and decided it's time to get to rebuilding my credit. Thank you to everyone who has contributed on this forum! It has been a help to many and will to me also. So here are my details.... Background About May 2014 I lost my job of 5 years and my apartment all in a 30 day span because life happens of course. I had some savings to stay afloat but it ran out and I couldn't run to a well paying job like the one I had fast enough. Hence, my credit went down the drain over the next year. Baddies I sucked it up and went to MyFico to get a real snapshot of my situation after pulling my three annual reports. At this time I have about 10 baddies on my CR s. Bank of America - CC that is a CO DOFD - 12/2014 DOLA - 01/2015 CL - $2,100 Deficient Balance - $2,342 Getting emails over the last few month directly from CCC trying to settle the account. Started at $1,200 or so now trying to settle account for around $700. Account falls off report in 2021. Capital One Auto Finance - Auto Loan that is a CO DOFD - 11/2018 DOLA - EQ shows 09/2018 and TU shows 07/2019 Deficient Balance - $11,767 after repo and auction Offered to settle for $2,354 in 08/2019 via lump sum or payments of up to 12 installments. Delta Community Credit Union - Auto Loan that is a CO DOFD - 08/2014 DOLA - EQ shows 08/2014 and TU shows 06/2014 Deficient Balance - $1,881 after repo auction Never offered to settle debt Dept of Ed/Nelnet - Student Loan DOFD - 04/2015 DOLA - 01/2018 Paid as agreed with only 90 days late derogs showing EQ 08/2015, 07/2015, 06/2015 TU 04/2015 - 08/2015 EXP only 08/2015 Discover Bank - CC that is a CO DOFD - EQ 04/2015, EXP 12/2017? DOLA - EQ 11/2014, TU 06/2014 Deficient Balance - $1,413 No offer to settle. CCC tried to get judgement in small claims court. CCC's attorney no showed and case was dismissed. Didn't even know about the case until maybe 2018 cause they sent court notice to prior address. Georgia Power - Utility Company DOFD - 06/2014 DOLA - 10/2015 Deficient Balance - $0 Paid balance in full after CO. Only shows on EQ on CR. Georgia's Own Credit Union - CC that is a CO DOFD - 08/2014 DOLA - 09/2014 Deficient Balance - $0 (prior $1,222) No offer to settle. Only reports to EQ and EXP. No reporting from CCC since 02/2015. Macy's - CC that is a CO DOFD - EQ 10/2014, EXP 12/2017 DOLA - EQ 07/2014, TU 06/2014 Deficient Balance - $0 Used to call like crazy but I went off on the CA and mentioned the FCRA and CFPB and they never called or sent a letter again back around 2015/2016. Portfolio Recovery - CA for OC DOFD - 02/2015 (date CA was assigned) DOLA - 08/2018 (stupidly made a payment to CA) Deficient Balance - $474 (started as $624) Made a payment in late 2018 to CA then stopped. Got a letter or two from them then they went away. OC was Synchrony Bank for a Care Credit CC. Progressive Insurance - Place with CA by OC DOFD - 04/2019 (date CA was assigned) Deficient Balance - $212 Assigned with CA Caine Weiner. Had a car repo'd and forgot to cancel the insurance. OC for car called file claim and insurance company cancelled policy once notified of the repo. In addition to the baddies I have about 8 old addresses listed under the CRAs Inquiries EQ 3 hard from two car dealers (10/12/2018, 10/16/2018, 10/19/2018) Never signed anything and it looks like dealer pulled over the phone when calling about trying to trade in car to avoid repo by Cap1 from above. 15 soft Mostly Credit Karma and Lexis Nexis from shopping auto insurance rates. TU 1 hard from 10/19/2018 car dealer 17 soft (same reasons as EQ) EXP 1 hard from 10/19/2018 car dealer 29 soft Same reason as above and some skip tracing via repo companies. Scores Fico 8 Scores EQ - 490 TU - 496 EXP - 523 Next Steps Taken Opt'd Out - 02/2020 Gearing up to get old addresses removed from CR Approved for Self Lender Account 12 installments at $48 Goals Get scores of to 600. No specific timeframe but, to be accountable 12-18 month in my case seems fair. Questions With derogs this old should I just rebuild for the year via Self Lender and maybe a Secure CC in 3-6 month and let the derogs fall off in late 2021? EXP has the complete wrong date of birth listed for me as 12/31/1987. Trying to age me I guess. Dispute this at the same time as the addresses showing proof via license? Should I settle any of these accounts? If any I would consider the Cap1 Auto loan since they offered $2358 and the balance is over $11k. PFD on the CAs or DV first? - 12/2014 DOLA - 01/2015 CL - $2,100 Deficient Balance - $2,342 Getting emails over the last few month directly from CCC trying to settle the account. Started at $1,200 or so now trying to settle account for around $700. Account falls off report in 2021. Capital One Auto Finance - Auto Loan that is a CO DoFD - 11/2018 DOLA - EQ shows 09/2018 and TU shows 07/2019 Deficient Balance - $11,767 after repo and auction Offered to settle for $2,354 in 08/2019 via lump sum or payments of up to 12 installments. Delta Community Credit Union - Auto Loan that is a CO DoFD - 08/2014 DOLA - EQ shows 08/2014 and TU shows 06/2014 Deficient Balance - $1,881 after repo auction Never offered to settle debt Dept of Ed/Nelnet - Student Loan DoFD - 04/2015 DOLA - 01/2018 Paid as agreed with only 90 days late derogs showing EQ 08/2015, 07/2015, 06/2015 TU 04/2015 - 08/2015 EXP only 08/2015 Discover Bank - CC that is a CO DoFD - EQ 04/2015, EXP 12/2017? DOLA - EQ 11/2014, TU 06/2014 Deficient Balance - $1,413 No offer to settle. CCC tried to get judgement in small claims court. CCC's attorney no showed and case was dismissed. Didn't even know about the case until maybe 2018 cause they sent court notice to prior address. Georgia Power - Utility Company DoFD - 06/2014 DOLA - 10/2015 Deficient Balance - $0 Paid balance in full after CO. Only shows on EQ on CR. Georgia's Own Credit Union - CC that is a CO DoFD - 08/2014 DOLA - 09/2014 Deficient Balance - $0 (prior $1,222) No offer to settle. Only reports to EQ and EXP. No reporting from CCC since 02/2015. Macy's - CC that is a CO DoFD - EQ 10/2014, EXP 12/2017 DOLA - EQ 07/2014, TU 06/2014 Deficient Balance - $0 Used to call like crazy but I went off on the CA and mentioned the FCRA and CFPB and they never called or sent a letter again back around 2015/2016. Portfolio Recovery - CA for OC DoFD - 02/2015 (date CA was assigned) DOLA - 08/2018 (stupidly made a payment to CA) Deficient Balance - $474 (started as $624) Made a payment in late 2018 to CA then stopped. Got a letter or two from them then they went away. OC was Synchrony Bank for a Care Credit CC. Progressive Insurance - Place with CA by OC DoFD - 04/2019 (date CA was assigned) Deficient Balance - $212 Assigned with CA Caine Weiner. Had a car repo'd and forgot to cancel the insurance. OC for car called file claim and insurance company cancelled policy once notified of the repo. In addition to the baddies I have about 8 old addresses listed under the CRAs Inquiries EQ 3 hard from two car dealers (10/12/2018, 10/16/2018, 10/19/2018) Never signed anything and it looks like dealer pulled over the phone when calling about trying to trade in car to avoid repo by Cap1 from above. 15 soft Mostly Credit Karma and Lexis Nexis from shopping auto insurance rates. TU 1 hard from 10/19/2018 car dealer 17 soft (same reasons as EQ) EXP 1 hard from 10/19/2018 car dealer 29 soft Same reason as above and some skip tracing via repo companies. Scores Fico 8 Scores EQ - 490 TU - 496 EXP - 523 Next Steps Taken Opt'd Out - 02/2020 Gearing up to get old addresses removed from CR Approved for Self Lender Account 12 installments at $48 Goals Get scores of to 600. No specific time frame but, to be accountable 12-18 month in my case seems fair. Questions With derogs this old should I just rebuild for the year via Self Lender and maybe a Secure CC in 3-6 month and let the derogs fall off in late 2021? EXP has the complete wrong date of birth listed for me as 12/31/1987. Trying to age me I guess. Dispute this at the same time as the addresses showing proof via license? Should I settle any of these accounts? If any I would consider the Cap1 Auto loan since they offered $2358 and the balance is over $11k. PFD on the CAs or DV first? Any guidance looking at my credit profile is appreciated!! 🤗
  25. Hi, this is my first post here as I'm kind of stuck in a situation and need help. After moving out from my previous apartment in Indiana, I forgot to pay the electric bill (Duke Energy) for the final month which I did not realize until 4 days ago when I saw a collections record on my credit report. Now I did not receive any communication from the CA or OC regarding the debt until I saw the CR. I have not yet talked to either the CA or OC, but I’m more than willing to pay the whole debt amount ASAP, but would like to get the collections record removed from my CR. I’m a foreign national and do not know much about such processes, but I don’t want a near $100 debt stain my credit score for years to come. I have read some of the discussions in this forum on this topic, and understand that I should first talk to the OC and get the debt settled. What I'm not clear about is what steps I should undertake after that. I would highly appreciate if someone could guide me with this or share their personal experiences in such situations. Thanks for helping out!

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