PRA help needed!
I have an old judgement PRA supposedly owns and got in 2016. I have not heard anything from them in years until now they got a judgement revival today. I attempted a settlement offer last week and got...
View ArticleTransUnion Reporting the same account twice
My student loan accounts are reporting twice. What is the best plan of attack: a basic dispute? Write a letter? Thanks in advance.
View Articledetails on credit reports
wow. i haven't pulled up my credit reports to inspect for probably a decade now and there's so much new info on there versus in the past. was there a certain year all these changes were added?
View ArticleShould I close this line of credit?
Hey all! Long time lurker, first time poster. I took a paycheck advance 'loan' through my credit union (SECU) because I needed funds. The way SECU structures this loan is that every time you borrow...
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Great day for my TransUnion report
I'm finally within the 6 month Early Exclusion period on my negative items from my life imploding 7 years ago, so I went ahead and disputed all of the items on Transunion's website, stating that they...
View ArticleNavy Pledge loan approved
Good morning all. Hope everyone is having good day thus far. I just signed the docs for my pledge, funds are pending. I know it’s been said but I just wanna verify. How so after funds post can I pay...
View ArticleQualia & Debt Recovery Solutions
I have been trying to repair my credit since my husband passed 3 years ago leaving me with a mess that Id turned a blind eye to. I started around 420 and am now up to 602. Im trying to get collections...
View ArticleHELP! Chargeoffs delinquent accounts - how will Amex respond?
As with many on these threads I never thought it would happen to me. Looking for some advice on moving forward and maybe a little confidence boost! Background: I just hit my 50's and have had a...
View ArticleCiti CO help
I ended up late on a Citi AA card and the late fees plus additional minimum payments were just out of reach for me at the time. This caused the account to default, the account to be closed and they...
View ArticleTransunion Early Exclusion
Good evening all. After I paid off my NFCU loan Transunion hit me for the most points of the 3. 25 points. Eventually raised mypoint only to take more back when a small balance post after I pif so I...
View Articlecredit ghost rebuilding
my current credit score is 0. at one point in time i had around a 50k limit and card with chase, navyfed, capitalone and discover. i got behind on it all and since i was living overseas with no...
View ArticlePortfolio Revovery
I have an account with PRA. Its an old business account (Spark capital one) that i was the personal guarantor for. They said they wont sur me for the debt but i called them to settle. I owe them 1958....
View Article4.5 Years into rebuild and it's looking good!
To those starting out, stay the course and use this forum as a resource. It got me from a 596 score to a 726. It took some time, and I'm still working on it, but I couldn't have done it without the...
View Article22-year-old rebuilding credit — stuck at a 630 FICO plateau. Advice?
I’m 22. When I was 18, I opened a Chase credit card without really understanding credit. I handled it irresponsibly, and it eventually charged off. I take full responsibility for it. Fast forward to...
View ArticlePaid Chargeoff But ‘Status’ in TU still shows ‘derogatory’
Hi all! I am new here but have been reading for a while. I have been working on rebuilding my credit since April 2026. All my fault, I was young and irresponsible and didn't really consider...
View ArticleBounce AI Collection Agency not Updating my Balance after Settlement
Hi everyone, I’m hoping to get some opinions on a situation I’m dealing with involving a paid collection and the collection agency, Bounce AI. I settled the collection account through the law firm they...
View ArticleMultiple pledge loans with different CUs?
My gf had to do BK a few years ago now (3) She has ZERO credit showing, yet FICO is 615 somehowEven her mortgage, which still exists is gone and has been for 4 years now, stopped showing even before...
View Article500s to Mid-600s: 4 Paid Charge-Offs — Dispute or Let Them Age?
What would you do next?I’ve been rebuilding my credit and would really like some opinions from the experienced MyFICO members here.I started in the 500s and my FICO scores are now in the mid-600s.My...
View ArticleSecured card with Langley FCU or Huntington Bank?
Hey folks, longtime lurker. I'm attempting to repair my bad history and I recently got a membership with Langley Federal CU that I heard a lot of good things about. My Equifax is in the high 400s after...
View Articleexperian early exclusion
I have a plethora of accounts that are going to fall of EX between now and dec and then 1-2 a couple months after that, but my big ones that still show large balances are going to come off next month...
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