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  • Our picks

    • I have 2 loans for car at 5% and education (private) at 8% totallying around 12,000. Upon looking into consolidation loans and/or private bank loans I can not find a loan at less than 7% or 8%.
      My fico is at 770 and will likely go to 800 after a recent dispute. 
      If I use 0% intro rates, this would mean I would need to continue to open new accounts after  each 12 - 16 month 0% intro APR run. 
      Should I use credit cards at 0% to transfer this debt ?
      What are some other options if any? 
      • 14 replies
    • Hello Everyone!  I am hoping someone can confirm that I am on the right path. 
      I am in Texas and I have 2 collection accounts with Capital Accounts(based in TN).
       
       
      1. $72 
      2. $380
       
      I sent a debt validation letter to the collection agency and they responded back with a ledger of the services. They are both for dental services from 2013 and 2015.   I believe they have violated a few fdcpa violations but wanted to confirm before I respond.
       
      1. "Interest"- the CA responded stating that the original balances were for $50 and $305. They blatantly state that the additional fees/ amount are for interest. They continue to add on interest, changing the balance by only a few dollars (typically $1-3 depending on the CRA).  They did not send me anything that shows that the original agreement between myself and the dentist had stated that interest would accrue. Is this not a clear violation of FDCPA 807 False or Misleading Representations- I thought that CA is not allowed to add interest to medical debt, unless it was stated in the original agreement with the OC. 
       
      2. HIPAA/ Medical Collections- The OC apparently faxed the collection agency a ledge of what services were done. I never gave authorization.  violation?
       
      3. Stature of Limitations is 4 years for Texas. I know this typically means they cannot sue me BUT do I have any leverage here? Based on the ledger they sent
             (a), current balance is $72, original balance was $52, 04/11/2013 was date of last payment made to the OC by my health insurance and the OC sold it to the CA
             (b), current balance is $380, original balance was $305, 10/13/2015 was date of last payment made to the OC from insurance company, and they wrote it off as bad debt 05/17/2017 and      sold it to the CA.
       
      I am familiar wit the medical collections forum, but wanted to see if  I have valid points when writing a response to the collection agency. 
       
      Thoughts?
       
      TIA!!
      • 18 replies
    • Greeting CB family. straight to the point, I'm looking to purchase my first home within the next 6 month. But I currently have 3 negative accounts listed on my credit report. I tried disputing 2 of the 3 accounts online with the big 3, a year ago with no success. Here are the accounts:
       
      1. GreenDot Bank (Secured Card)
      Open: 1/4/2017: 
      Date updated: 6/19/2018
      Last payment: 3/11/2017
      Status: Charged Off
      Balance: $89
       
      -- I requested to have this account closed in March 2017. But the account was never closed and a annual fee was charged which represent the balance you see. How do i dispute this with Greendot Bank? They are the worse people to deal with. Sample letter(s)?
       
      2. Credit Collection Servic
      Placed for collection: 9/4/2014
      Date updated: 10/25/2019
      Balance: $239
       
      -- This is a old debt from Progressive insurance that I believe I owe. This account is due to be deleted 10/2021. Last i checked Progressive still owns this debt and even was willing to take payment for it over the phone. So should I pay this directly to Progressive? And will CCS have to automatically delete this account sense I will be paying Progressive directly? The amount owed make this worth not fighting over, plus having this negative collection account off my report is worth $239. What do you guys think i should do?
       
      3. Jefferson Capital System
      Placed for collection: 8/1/2017
      Date updated: 12/26/2019
      Balance: $1,520
       
      -- These people are the devil, they claim to own a debt they purchase from Verizon wireless. I've never had an account with Verizon wireless. i tried disputing this online, but it came back verified. They act like they want to help me get this account removed but want me to fill out identity theft forms. I'm not doing that until they show me proof this account even exist. How do I send certified debt validation letters to them? Does anyone have a sample letter? Should that be my next step?
       
      Any and all replies will be helpful. 
       
       
       
      • 14 replies
    • Link:  https://www.marketwatch.com/story/chase-hikes-the-annual-fee-for-its-popular-sapphire-reserve-card-to-550-and-rolls-out-new-perks-2020-01-08
       
      Quote:  "Chase JPM is increasing the annual fee on its popular Sapphire Reserve card, intensifying the ongoing competition with American Express’ Platinum card."
       
      Maybe I'm slow, but how does increasing the cost of a card intensify the competition?  Next, will American Express increase the price of their card to $1,000 to keep up?  Anyway, I wouldn't pay $550 for any card.  The benefits aren't worth it for me.  For $550 I could take a week vacation to Las Vegas if I want (I don't really care for Vegas, but I needed an example).
       
      Anyway, all my annual fee free not-very-fancy cards all work the same at McDonald's like the Sapphire Reserve card.
       
      • 21 replies
    • So my TransUnion score is about 60 points lower than the others. On the 3rd party sites that give me my score, they mention a derogatory account being the reason so I pulled my report and there are no derogatory accounts. 
      I called TransUnion and they were no help, trying to get me to buy something. 
      So here I sit, decided to buy my TransUnion score directly from them, found it to be 9.95, 19.95 and 24.95. The lower prices are displayed but then when I log in to buy, the other prices disappear and they want 24.95 
      Starting to feel a bit bullied. 😡
       
      Any idea why my score would reflect a derogatory mark but my report does not?
       
      Thanks!
      • 12 replies
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