Jump to content

Forums

  1. Intro & News

    1. Please Read Before Posting - NEWBIES START HERE

      Stickies, Announcements, Newbie Guides, Basic Introductions, Posting Tips
      THESE FORUMS ARE READ-ONLY.

      2,474
      posts
    2. CB gets Press!

      We're mentioned in the news-

      67
      posts
    3. CreditBoards Success Stories

      Share your success stories ! **read only** New threads must be added by admin

      1,715
      posts
    4. Newbies Section   (318,443 visits to this link)

      Beginners info and frequently requested topics

  2. Creditboards Main Forums

    1. Credit Forum

      Credit Reports, Collections, Credit Cards and related discussion

      3,524,962
      posts
    2. Medical Billing & Medical Collections

      NOT PAY FOR DELETE! Why Chat's HIPAA dispute method. May require repayment.

      71,026
      posts
    3. Bankruptcy

      Bankruptcy discussion

      122,520
      posts
    4. 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.

      10,018
      posts
    5. Chexsystems Help

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

      8,706
      posts
    6. 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.

      3,015
      posts
    7. Military Credit

      For the credit issues that are unique to our military members

      1,690
      posts
    8. Canadian Credit

      The unique challenges for our neighbors to the north.

      877
      posts
  3. Financing

    1. Mortgages

      Discussion of mortgages, buying and selling a home, real estate investing

      240,219
      posts
    2. Automotive Financing

      Discussion of Automotive Financing

      109,397
      posts
    3. Student Loans

      Student loan resources and discussion

      38,333
      posts
    4. Business Credit

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

      180,934
      posts
  4. Money Management

    1. Money Management

      Discussion and tips on sound money management.

      53,521
      posts
  5. Special Topics

    1. VISA MC policies

      THIS FORUM IS NOW READ ONLY. 

      Complaints, discussions and rants regarding perceived merchant violations of CCC policy

      23,790
      posts
  6. Resources

    1. Laws Laws Laws

      FCRA, FDCPA and other credit-related laws

      1,128
      posts
    2. Where can I Find?

      Contact Info, Search sites, lists, locators, etc

      687
      posts
    3. 623
      posts
    4. 1,220
      posts
    5. Debt Collector Hall of Shame

      Collectors Caught in the Act

      367
      posts
    6. 908
      posts
    7. CreditPulls Database   (515,287 visits to this link)

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

    8. Databases and Reference

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

      336
      posts
    9. Sample Letters

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

      267
      posts
  7. Misc.

    1. General Discussion

      Non-credit related discussions of general topics

      1,035,336
      posts
  • Our picks

    • I have had this service for the last 3 years, 24.99 per month for daily pulls on all 3 bureaus.  Today I could log in, I called and was told I was "upgraded" to their new platform.  The monthly charge is the same, but instead of daily pulls on all 3, it is now only once every 90 days.  Pay the same but now get less!!  Also, the new layout is horrible!!  Anyone else been "upgraded" to?  How do you go back to the old system?  If you can't, where else do they provide daily reports and scores for all 3 bureaus?
      • 8 replies
    • Hello all,
       
      I filed bankruptcy last year and was discharged 7/20/17. Good news I guess - but my scores still suck, currently my TU and EQ scores are in the low 500s. My EX score was at 600 last time I checked. 
       
      I have floated in and out of this forum and other websites looking on how to start the rebuilding process and just end up feeling overwhelmed. I aspire to have better credit, just don’t know where to start and feel kind of hopeless.
       
      • 11 replies
    • I just came to do a little happy dance. I have been a member of this board for over 10 years. I have struggled a lot. I made some progress, got some cards, then had some medical issues in 2011 and everything collapsed. Back at it. About 3 years ago, i started really working at it again, but all of the 2011 issues were still haunting me. 
       
      Finally this year, i made a bunch of progress.I still had only secured cards until a couple months ago when i finally got a Citi AA card with a $8400 limit - the largest card limit i have had in decades. 
       
      This week, 2 of my last baddies dropped off and voila! HUGE score jump. I am so excited! Thanks to everyone over the years that has helped. This board has been a constant source of support! 
      • 10 replies
    • My spouse will only carry one credit card, and the only requirement is that it has to be a MasterCard or Visa.  
       
      His primary card in 2018 was an AU card on my Aviator Silver account.  With the 2019 AA EQD benefit devaluation that was recently announced, that card is going to be history.
       
      In this thread I will run his 2018 spending against the reward structures of several replacement card candidates for comparison. 
      • 28 replies
    • 3 years ago, I applied for 2 secured cards and a Cabelas which has a low limit. My scores are now in the 700's and I am getting great cards with high limits, so I am not sure what to do with my older cards. I need to keep them for age. Should i leave them be or try to get higher limits or try to get them unsecured so i can get my deposits back?
       
      Of note: i would like to apply for a couple additional Chase cards in the next year or two and don't want to do anything that will contribute to my 5/24
       
      Here are the cards and dates:
      US Bank Secured: $500 opened 1/15. my understanding is they will generally unsecure, release the funds and i keep the same account. does that mean there will be no impact on my age or 5/24? DCU Secured: $5,000 opened 2/15. My understanding is that they do not unsecure. I would just have to apply for a new card. I want to keep this open for the age, but likely won't use it much. Does it hurt to take out 4,000 and just leave it with $1K limit? Cabelas: $750. Now owned by CapOne. I am inclined to just sock drawer this one. If i ask for a higher limit does that hurt my 5/24? It is only new accounts that hurt, right? Citi American Airlines: $8,400  Chase Sapphire Preferred $12,500  
      Thanks for any suggestions!
       
      Powers
      • 3 replies
  • New Topics

  • Member Statistics

    • Total Members
      175,344
    • Most Online
      1,528

    Newest Member
    NaughtyNas
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×

Important Information

Guidelines