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  1. nyquil556

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    • By Toast73
      I am pretty proactive on MyFico, so I thought I'd come here and get a different perspective on credit repair.
       
      I have read through Why Chat's Credit Confusion, and it's pretty robust.
       
      But one question I have that I cannot see addressed (other than a vague NYT article) is why "opting-out" is the first step toward credit repair?
       
      I understand the dispute process, but can you actually force the creditors to stop reporting information to credit bureaus this way?
    • By BFee317
      I finally decided to attack my credit issue rather than pretend they don't exist. Here is the situation
       
      Here is my CreditKarma information...
       
      TransUnion and Equifax (both show the same items
      Credit Cards $0
      I have a $500 secured Discover IT card that I used for YouTube TV payment and that is it. Between 10% and 30% utilization opened May 2020.
      My mother added me as an authorized user to her Costco Capital One card that has perfect payment history, 8 years open and a $15,000 limit.
       
      Collections $5,317
      Armada Corp
      Total Accounts 6 (medical) Oldest age of account 2019
      $3,193 
       
      Puget Sound Collections 
      Total Accounts 2 (medical) Oldest age of account 2019
      $1,814
       
      Solverity
      Total Accounts 1 (medical) Oldest age of account 2019
      $310
       
       
      Student Loans
      $0
      Accounts Were Garnished from my paycheck and paid
      Closed Accounts 4
      Dept of Education/NELNET (Closed 4/2016) 
      Dept of Education/NELNET (Closed 4/2016)
      US Department of Education (Closed) Opened 09/2012
      US Department of Education (Closed) Opened 09/2012
       
      I have sent debt validation letters to all three credit bureaus and this is what was verified. Where do I go from here. I was added as an authorized user to my mothers credit card (Capital One Costco) about a month ago. I hope this helps my score improve but it hasn't reported yet. I saw a 25+ point boost from my secured discover card but it hasn't helped since then. Can anyone offer some guidance as to a path for a better credit score? 
       
      Thanks,
      BFee  
    • By rackt3
      Hi everyone,
       
      I had really great credit for the longest time, and then unfortunately, lost my job about 6 years ago and was out of work for a long time. In that time, my credit took a steep nosedive and I'm still down in the dumps credit-wise. At this time, I have 7 charge offs. 5 of them, I was able to get them settled and all of them are past SOL at this point. The charge offs are all with OC credit cards that were never sent to CAs (should I consider myself lucky that none of them were ever passed on to CAs?) 
       
      Specifically, the credit cards are 2 Citicards, 1 Amex, 1 chase, 1 USBank, and one BoA. All but the Chase and USbank have settled and showing as paid COs, and "settled for less" showing on the credit reports. Last activities on them are all about 2 years ago or longer but they report the COs every month. Is there anything at all I can do you get these to go away? Am I out of luck and just have to wait for them to fall off in 5 years or so? I'm assuming the 7-year falling off date is based on date of last activity? Or is there any strategy to getting these charge offs removed?
       
      Thank you!
    • By JakkuScavenger
      Long story short, an illness took me off work for some time and some card payments were prioritized above others. I have since cleaned my credit up save for one lone big bad that will not die off in the form of DSNB/Macy's (CitiBank). Here's the deets:
      Date Opened: 11/16/2009
      Last Payment Made: 05/06/2015
      Date Closed: 04/26/2015
      I've inquired about the debt and was told since it's past SOL it's no longer being pursued for collection, just reported monthly as charged off. That charge off reporting is a damper, though. What steps should I take, if any, to remove or rectify it on my reports? I can pay it in full, but is there any hope for it being removed or updated to not reflect so harshly? I appreciate any advice!
    • By MarvBear
      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   
       



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