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Credit Reports, Collections, Credit Cards and related discussion

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Medical Billing & Medical Collections

Discussion of medical billing issues and collections centering around Why Chat's HIPAA method of dispute. This may include repaying the amount owed.

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Bankruptcy discussion

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Foreclosures/Loan Modifications

You're trying to get a modification, or you're being foreclosed?
While every lender, foreclosure and modification situation is different, this is a place to discuss and share your experiences.

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It taken a long time... rea... - last post by Kuuner

Chexsystems Help

Discussion and help for consumers who have trouble getting a bank account.

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Possible Northeast Ohio Ban... - last post by Credit232323

Debt Consolidation, Counseling and Management

You're in debt and don't think you'll ever get out, maybe got some late payments, but are trying to work something out so you don't completely trash your credit. Discussion of Debt Management Programs, debt consolidation, settlement and consumer credit counseling programs.

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Military Credit

For the credit issues that are unique to our military members

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Canadian Credit

The unique challenges for our neighbors to the north.

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Automotive Financing

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Student Loans

Student loan resources and discussion

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Business Credit

Information on establishing business credit and creating a business credit score.

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VISA MC policies

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Where can I Find?

Contact Info, Search sites, lists, locators, etc

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State Laws

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Debt Collector Hall of Shame

Collectors Caught in the Act

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Identity Theft

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CreditPulls Database

Want to know which CRA a creditor will pull? Check here! Don't forget to add your experiences as well!

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Databases and Reference

Reference Materials, contact information, CRA usage info, Misc Information

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Sample Letters

Examples for you to use and modify. Read-Only Forum.

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General Discussion

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