I'm confused about my NFCU charge off, any help is appreciated.
I have a credit card with NFCU for $909, it charged off July 2026. My first deliquent was September 2025. my credit report is reflecting some confusing details. It shows:Sept 2025- 30 days lateOct...
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Evening everyone. I'm super excited. My score when I woke up this morning were ex 692 ex 720 trans 740. Experian was the stingiest. Just got an email from Experian.com and they remove my last late pay...
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Hey yall I am trying to improve my credit for a mortgage eventually hahaWhere I'm starting• Experian FICO 8 is 529, which is my lowest score. Equifax is 593 and Transunion is 586 • Chapter 7 was...
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It takes months to build a habit. Years to build a lifestyle. I wanted to share another update on my credit rebuilding journey. It's been a little over four years since everything fell apart in...
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I’m looking for insight from anyone who has dealt with a similar USAA situation or sees an option I’ve overlooked. USAA charged off my credit card Feb 2026 (bad on me for not setting autopay). I had...
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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...
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My student loan accounts are reporting twice. What is the best plan of attack: a basic dispute? Write a letter? Thanks in advance.
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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...
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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...
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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...
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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...
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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...
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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...
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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....
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