Auto Loan Reinstatement??????
Has anyone on here seen where someone has successfully been able to reinstate and old auto loan???I bought a car March 2014 three months after I purchased my car I lost my job, I called the creditor...
View ArticleIf i disputed a debt why is the CA asking me to send them information
I did a dispute on portfolio recovery and they sent me a letter stating they have previously sent me a letter requesting more information. I never got a letter from them, however they said they are...
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In the YELLOW!!!
My TransUnion score just went from 659 to 672. I am finally and for the first time ever in the yellow and I must say it looks good! Now if only Experian and Equifax can follow the lead. I still have a...
View ArticleLate Payments vs Chapter 13 Discharge I'm Confused
According to my most recent my FICO credit reports the thing that is hurting my scores the most are 5 or 6 derogatory remarks. My FICO says late payments.. EX reports 5 and TU and Exp report 6. These...
View ArticleCapital One 30-Day Late Removal
Good evening all! So I just got off the phone with a Capital One EO rep regarding a 30-day late I incurred back in 2014 when I accidentally missed paying off a charge on my credit card. She said she...
View ArticleRebuilding progress
So i trashed my credit back in the 2008-2009 timeframe... i decided last year to start fixing it. My credit score bottomed out around 490. I started with an auto loan for a new car figured they would...
View Article3 cards for rebuilding
Thanks everyone for so much help! I started in low 500's in July and now my scores are 670-680. I had 2 PRA collections removed and at the same time Capital One removed the charge-offs. I also tried GW...
View ArticleIs it time to start increasing revolving accounts yet?
Hello friends, Long story coming up. Have a seat and pour yourself a drink. I neglected my credit entirely for about 6 years. In that time I have accrued defaulted student loans to the tune of 100k, 2...
View ArticleExperian "Unknown" Negative
Well I was able to get an Early Exclusion from Experian. I'm quite happy about that but something is not matching up. My report from TU- 757 FICO but Experian is 705. It states I have no delinquent...
View Articlecredit karma scores vs credit check total
Hello, I've always tracked my score through credit karma which sows my score at 567. Today i checked credit check total and my scores are: TU- 633Experian-651Equifax-629 Credit chekc is showing it as...
View ArticlePaid Accounts-- Open?
Hello, Going through my credit reports and finding accounts that are paid but still show open. wondering if this helps/hurts to dispute and mark it as closed? Thanks
View ArticleWhat to do with a charge off that's still with the original creditor?
I have a charged-off credit card debt going back to 2013 with Citibank. It's $1.3k, which I can pay no problem. It's not a collection or anything, and it hasn't been sold to any agencies. What approach...
View ArticleCreditors haven't responded to debt validation letter, but CB investigations...
I've twice written Calvarly Portfolio Services and Portfolio Recovery (two separate debts), asking for a debt validation. It's been 60 days since the first letter went out and 30 days since the 2nd. I...
View ArticleSecure Card = My Only Rebuilding Option Now?
Given my FICO scores with the charge-off list below, the only application I did was for FingerHut, not much of a CL but is a start. My FICO scores range from 600 (EX) to 628 (EQ). There is a fine line...
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Credit One Pre-Qualified
I did the Credit One Pre Qualification site and came back with Pre-Qualified. A starting credit line of $300 and a $75 annual fee? Think I will pass on Credit One.
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My rebuild - let's do this!
Good morning, all! I need help on getting the most out of my credit score. I've lurked on here for almost 2 years. I've asked questions here and there. Finally decided I needed to just gather up my...
View Article560 to 650 - Thank you myFico!
Hi everyone. I started my rebuilding journey over 4 years ago. Multiple charge offs, collections, defaulted student loans - you name it, I had it. November of 2011 my score was a 560. Pulling my...
View ArticleCharge-Off Pay Less Than Full Balance
I have a rather large charge-off account with Navy Federal. They are reporting a balance of about $14K. I am pretty sure this tradeline is killing me. Now, If I settle for less than full balance, am I...
View ArticleAnyone
Does anyone know who Walmart goes through for collections on cards????????? Want to try and settle with them thanks
View ArticleCreditor closed account and sold to 3rd party, but still reporting late...
I have 3 or 4 negative accounts that were closed back in 2010 and sold off to a 3rd party debt collector. Those accounts still show the account being late every month, some even up to Dec of last year....
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