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I just have a question on deciding if I should pay this in full or over the next few month.
I had to file chapter 13 in 2015.
I’ve been rebuilding since discharged in June 2019. I’ve done really good with CC’s since then. I was approved for 3k with PayPal credit. I only use it for purchases over 100 so I can get 0% for 6 months. I owe $1300 on it now. (Christmas) It will be interest free until June.
I needed a an installment loan so I got $3600 via Upstart. I refused more because I just need the trade line.
My question is do I just pay $350 over the next few months and put the money in savings or go ahead and just pay it in full?
The total credit lines for Credit cards including the PayPal is $8750
I owe less than $1400 total.
I’m going to let them draft the payment for the loan monthly and then just pay it in full at 13 months.
That’s my plan and it makes sense in my head. I just don’t know what to do about the Paypal account. Pay in full now or wait and get the extra interest from savings account.
any advice? I over think everything.
Early during 2019 I stopped paying all of my credit debt which consisted of credit cards and loans. I started off in 2017 with good credit-- scores in the 700s. I helped my boyfriend and got very much overwhelmed. Now in addition to working with a company named Peace of Mind whose brand is about forcing a creditor to prove that the creditor owns the debt in question, I want to do some of my own cleanups. I'm familiar with the Universal Data Form relative to how it is utilized. Question: Can I use the form to submit credit challenges to the three credit bureaus. I'm so ready to achieve that 850 middle credit score!
A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - these people/departments have decision-making abilities far beyond frontline CSR's; they can take and review requests for reconsideration of denied CC apps or CLI requests, APR reductions, etc. and implement their decisions.
I can continuously update this first post with the latest information if everyone will post to this thread. I'll make the change and acknowledge. We deeply 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: 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
GEMB: 877-294-7541 (escalated help desk)
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
Staples: 800-767-1291, 800-282-5316
Sunoco Corp. Card: 800-935-3387, 800-278-6626
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
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)
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
I had a NFCU cc of $25,xxx (25k) charged off in Dec. 2018. During my small business startup and struggles I tried my best to stay afloat. I managed to keep my NFCU auto loan ($31k, balance $5,000, never miss/late payment) and NFCU cc ( $3000 never miss/late payment) current.
My Equifax lists:
12/2018 Charged off account
Date of Last Payment Aug 01, 2020 (I made NO PAYMENTS or arrangements since CO. I keep little money (under $100 in my checking savings. Low and behold In August 2020 I see a 'DR Adjustment' of $1000 from my checking. After investigating I learned that a commercial account deposit I had in 2016 was credited back to me and the acct they had on file was NFCU and they snatched the grand and sent me a letter 'thanking me' for my payment of $1000.
My state is NC, does this now effect my SOL? Is this legal for NFCU to take money from your checking account and update the CRA as you've made a payment when I did not initiate it?
After this eye-opening moment, I did some research and it's my guess that NFCU loan terms have 'cross-collateralization' verbiage.
When my NFCU auto loan is paid in full, will they send me the title or 'hold' it until the CO is paid off or settled for agreed amount? If I settle at a percentage of CO before auto loan is paid, will I get the title once auto loan is zero balance?
I reached out to NFCU collections and got an offer to settle the co acct for $4000, so including the $1000 they already debited, that 20% of the charged off amount to stop the collection process. I'm assuming even with all the lawsuits NFCU has been a part of since 2016 to present, PFD is not an option on the table as a counter offer. I have the means to pay $4,000 to them within 10 days, besides my CRA showing 'paid, settled for less', how will this effect my credit and score?
I know the general opinion on CB is that NFCU is GREAT and one should try to stay in their good graces, but it seems things there have changed for the downhill since 2017 and with a recent whistleblower lawsuit concerning their mortgage underwriting practices... their home loans advantage could also suffer in the near future. Personally at this stage, I'm not '$25k-in-love' with NFCU, but if you can offer reasons to sway my judgment, it will be enlightening.
All in all, I'm seeking advice to get my title once the vehicle is paid off and maintaining the 'most amicable' relationship with NFCU going forward holding a single credit card, checking, and saving accts.
So I disputed (or so I thought I disputed) addresses off the Big 4. TU removed all addresses except for my current. EQ has my current and another non-BK address. EX won't budge.
All bureaus froze. Microbilt, LexisNexis, SageStream, Chex, you name it.
Try to get full verification of the bankruptcy on my file, thinking the whole Trial Rule 1005 thing would help me (this rule makes only the last 4 of your social, full name and addy public-facing).
This was the response L/N fed me, including a few notes in RED.
Please critique, tell me I have no chance for removal, something....