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1 yr 5 mo post bankruptcy- still high interest offers only
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Not sure what to do
Hello all. I have 3 collection accounts that should be falling off in the spring. I'm unsure of the exact date because the original credit cards have fallen off my credit report. I've disputed the 3 accounts and they came back valid. Two are Portfolio Recovery and one is Midland. I have requested that they validate and what they send me are statements from well over 7 years ago and my accounts were in good standing then. Would a phone call to the credit agencies help? I'm just looking to know when my first 30 day late payments were on the 3 credit cards. Since those accounts are no longer on my credit report, I have no idea. We plan on moving soon and I would really like to get this taken care of.
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Success Stories!
Please post your success stories, strategies and any tips. I could use some encouragement, and I'm sure I'm not alone.
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Hunter Warfield affecting my student loan decisions!!!
Hello all!
So here is the story. I grew up being a military brat. In this instance, my father was stationed overseas in Japan and my family and I lived there with him. Before heading off to college back stateside, I had to figure out my housing situation. I applied to many off campus housing around the area and finally came upon one that I liked. This is 2015.
Fast forward to a year later, I get an email from one of the other apartment complexes saying I owed them nearly $9000 in rent!!! IT WAS INSANE! They said that I had signed an electronic lease, which I had not to my knowledge. Especially because I had done this with my mother. However, they did provide proof of this "lease" which was unbelieveable. I never stepped foot on their premise, receieved a key or ANY notification of any unpaid balance until after the year was up! Someone else could have signed that lease for me with my information. (Which btw, apparently I had signed this lease while I was in Japan....?) They contacted me about the unpaid balane in 2016.
They ended up sending the balance to Hunter Warfield which is now on my credit report. Its been about a year since my "late payment". Surprisingly, I have not been denied any housing from any other apartments to this date. I have since then applied to multiple housing complexes and been approved. However, I am in dire need of funds and my student loans have been getting denied. I am thinking that this $9000 + debt is keeping me from gettting approved. I have no idea what to do or how to move forward with this. It is now showing as a charge off on my credit reports. Is there a PFD option? I really need this off my credit report. As a college student, I dont have anywhere need $9000 to pay that debt nor even $4500 or $2250 to settle it....
Does anyone or can anyone please help me out?
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NFCU EO email
I've fired off a couple of GW letters using The Saturation Method. I also wanted to forward it to the Executive Office's email. After searching the forum, it looks like whenever the email(s) are shared, it's via private message. Can someone post it here, or send it over? Thanks!
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Chase GW contacts
Back in 2015 I faxed a GW letter to the ceo of chase and was denied. I'd like to try again and send multiple different people my letter and see if anyone bites. Does anyone have any info for contacts? Nelnet is my next step but man I heard they are hard.
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New Account Reporting Guidline
Do new accounts need to be reported in a certain time frame ? I was told there was an obligation to report within 45 days. Thanks.
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Student Loan Chargeoff drops score 40pts---AFTER I PAID LOAN IN FULL
Hey everyone,
I recently began my credit repair journey in May of this year. My starting scores (Fico 8) were in the 550-580 range and thanks to the info in these forums I made pretty good progress and rapidly increased my scores to the 650-690 range. The main baddies on my file all pertain to student loans, I completed a Netnet rehabilitation/consolidation in 2015 however I stupidly neglected payments after that and the loan went into default and was transferred back to Dept of Ed. in April 2016.
Looking to to put this student loan mess behind me I decided to pay the entire 30k balance, in full, a couple of months back in May. I received a paid in full letter and I was hoping with my improved credit file to be able to purchase a home in the fall. Fast forward to last week and Dept of Education updated my file to reflect an in collection/chargeoff account showing a zero balance. I assume by paying off my loan in full it prompted a status update with the dept of education and dropped my scores 40-50 points. My mortgage scores have yet to update but I'm pretty sure they'll drop under the 620 that I needed to quailify for the mortgage. I know my options are probably limited at this point but does anyone have any advice on how to deal with this charge off status?? I'd be ok with the late payment history aging off but to add the charge off info AFTER I paid off the loan in full seems a bit unfair. Has anyone had success with a letter to the ombudsman group?? Any other advice ??
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Need Advice on continuing to build credit
Hi all,
I'm 23 years old trying to re-build credit after going into debt. I have since paid off all of it in full but I still have the accounts showing on the report, some of the accounts the payment status shows as negative on the Experian credit report. I've heard about letters sent to the collection companies but need some instruction on that please. Currently I have one secured Capital One card wth a limit of 200 dollars, using it I have been able to get my score up to 579 but of course I need to get it up further. Should I open up another secured credit card to help my credit or would that actually hurt it. I would keep my balances low of course.
Thanks!
Alex
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AT&T Hard Inquiry
ATT was promoting internet service available in my area. I called and went through the process over the phone, they ran a hard inquiry on my credit report BEFORE telling me that in order to get ATT internet I had to ALSO sign up for Direct TV. I already have dish so I declined the new service. The problem is, now I have this hard inquiry based on bad marketing and misrepresentation. How do I get it removed from my report? Had i known there were stipulations prior to (i.e requiring new direct tv service) I would NOT have called ATT to begin with. Any suggestions?
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Chapter 7 Purge
My Bk was just discharged this year and I would like to know how long it would take for my creditors to be purge? Do you have to wait 7 years or do they do it instantly? Please advise.
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Experian & Transunion scores growing but...
My Experian and Transunion scores are growing at a much higher speed than my Equifax score and I am trying to figure out why. My Experian score has shown the most growth with my lowest Fico 8 score from that bureau at 523. Since February it has rose 115 points and currently sits a 638. My Transuion at 629 and my Equifax at a 621. This has been the case although my Equifax shows only 1 collections while the remaining 2 reflect 2 open unpaid collections. I have no public records but I am dealing with a series of lates from various accounts from 2 years ago. I have 3 settled charge off accounts, 2 of which were updating monthly until February and March (although I settled with the company in Feb 
).
The only thing I can think of is the fact that my mortgage account which was opened over 9 years ago and has a current good pay history of the last 2 years has been closed on Equifax and $0 out for some reason, while it remains open on TU and EX and reflects the current balance. According to my reports, my account has not been updated with the CRAs since May (that is when it was closed on EQ and updated on TU and EX). I have tried calling Nationstar and I was told that I would receive a response in the mail but that was almost a month ago and according to CK my account still shows closed on EQ.
With all of that being said, what do you guys think? Could this be the reason for the lower score on EQ or is EQ just going to be my lowest credit score? How hard should I fight this? I should also add that one of the negative factors listed on my EQ is "too few accounts in good standing."
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Anyone negotiate paying a charge off to include reopening the credit line?
I read a post previously, and I cannot locate it now, where someone referenced paying a charge off in full after the SOL and in the process negotiating a reopened credit line with a much lower limit. Does anyone have any experience with this? Thanks
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Judgments
I have a judgment against me from Capital one credit card. Can you settle judgments like chargeoffs? Will they take a lesser amount?
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Authorized user questions
I have been rebuilding for exactly two years and I have somehow managed to get my scores from a 480-510 range to a 619-622 range which I am so excited about. However, I really want to buy a home around February. If I were to have a close friend of mine who has nearly perfect credit and has for a long time, add me as an authorized user on one of his credit cards to give me a bump in scores what are the risk for both me and him both? I am trying to keep my utilization as low as I can but as of today I am at 32%. If he adds me on one of his cards and his utilization is around 6% will having me as an authorized user using 32% hurt his score. I should add I am talking about not using his credit card he adds me to at all. I told him I don't even want a card and that he can just cut mine up or something. I just want a little boost to my score. Any advice for me or for him?
Thanks
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Authorized user questions
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Rebuilding assistance please after big cc approval - scores still low
hi,
I started rebuilding last month by paying off one collection account and bringing down utilization on my cap one and vs card from 89% to 17%, Applied for NFCU cash rewards and instantly approved for $11,100 (app spree for another cc and auto refi loan and was denied) - I'm ecstatic, but now need help on next steps. My scores are in the mid 550's across the board. Here is my current profile:
CC - 3 open all current ( 2 charged off); do i add myself as AU to DH new $7,900 cc with NFCU?
Current Car loan - over 30 days past due (do i use new cc pay 2month payments to get current?)
Old car loan closed in 2014 with balance after layoff
student loans - all current $174K (consolidated old loans in early 2016)
other loans - current
6 collections - total $5,600, includes 1 recent medical for $2,500
where do i focus next?
Thank you in advance.
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Looking for advice
I've been reading these forums for a couple months now and attempting to repair my credit. I'm looking for the next steps I should be taking. Currently this is my situation..
FICO: 578
TU - 619
EQ - 589
EX - Waiting for report...
2 open credit cards
Capital One: non-secured, $400 limit, utilizing 20%, 5 months old, no late payments
First Bankcard: secured, $300 limit, utilizing 30%, 1yr old, no late payments
Credit One: (HASN'T REPORTED YET) non-secured, $300 limit, just received this card a week ago
I pay off my cards in full monthly.
2 closed credit cards
Wells Fargo: closed October 2014, $927 balance on a $600 limit, charged off as bad debt, not reporting any payment history on TU, 10 on time then 1/1/4 with EQ
Kay Jewelers: closed June 2014, $0 balance on a $512 limit, charged off and sold to another lender, not reporting payment history on TU, 8 on time then 1/1/4 with EQ
1 auto loan
Credit Acceptance: opened March 2017, $10,826 balance with monthly payments of $327 and 57 months left on term, I'm in good standing here. Interest was 23.5% so I intend to refinance after a year
2 collections
CONVERGENT: opened September 2016, reporting monthly, $494 balance, OC is Sprint, I've disputed and they validated. Account now shows dispute and validation on report.
I have attempted to PFD both Sprint and CA with no success thus far. Sprint account is from around 2013. I feel like I might be stuck here but I intend to continue fighting
Jefferson Capital Systems: opened February 2017, last reported July 5 on TU, June 2 on EQ, $1,350 balance, OC is Verizon,
I also disputed this one for inaccurate information and got weird results. On TU account is closed but still showing balance and noted with the dispute and says it meets requirements. EQ is still open and shows dispute with reinvestigation in progress. Is a closed collection account hurting my score still?? My TU jumped like 30 points when they closed. Verizon account shows it's from 2014
2 hard inquiries on TU, 4 on EQ
AAoA is 7 months, which will probably go down once I get the collections off (if)
I'm thinking of trying for a small personal loan in order to fill that gap of credit type in my reports, and then either have the money on hand to leverage Sprint / Convergent easier when trying again to PFD, or try to work with Wells Fargo and Kay (can I even if they sold?) to see if they would delete or update if I paid (even though they're closed, they're showing lates). Probably wouldn't try for more than $1,000 and don't know if I'd even get it, I just joined a credit union that might work with me a little easier, who knows.
I'm sort of at a loss with how to proceed right now, or if I should just wait and garden for a while. I plan to bring my utilization down to 8% next month, and I don't have a ton of extra income left each month after paying my current bills (maybe $2-300). But I could be a little tighter if absolutely necessary.
I'm currently living with my 18 month old son and spouse and could provide details of my expenses if that would help. Any kind of feedback or advice anybody has would be extremely appreciated, and thank you guys in advance!
FICO: 578
TU - 619
EQ - 589
EX - Waiting for report...
2 open credit cards
Capital One: non-secured, $400 limit, utilizing 20%, 5 months old, no late payments
First Bankcard: secured, $300 limit, utilizing 30%, 1yr old, no late payments
Credit One: (HASN'T REPORTED YET) non-secured, $300 limit, just received this card a week ago
I pay off my cards in full monthly.
2 closed credit cards
Wells Fargo: closed October 2014, $927 balance on a $600 limit, charged off as bad debt, not reporting any payment history on TU, 10 on time then 1/1/4 with EQ
Kay Jewelers: closed June 2014, $0 balance on a $512 limit, charged off and sold to another lender, not reporting payment history on TU, 8 on time then 1/1/4 with EQ
1 auto loan
Credit Acceptance: opened March 2017, $10,826 balance with monthly payments of $327 and 57 months left on term, I'm in good standing here. Interest was 23.5% so I intend to refinance after a year
2 collections
CONVERGENT: opened September 2016, reporting monthly, $494 balance, OC is Sprint, I've disputed and they validated. Account now shows dispute and validation on report.
I have attempted to PFD both Sprint and CA with no success thus far. Sprint account is from around 2013. I feel like I might be stuck here but I intend to continue fighting
Jefferson Capital Systems: opened February 2017, last reported July 5 on TU, June 2 on EQ, $1,350 balance, OC is Verizon,
I also disputed this one for inaccurate information and got weird results. On TU account is closed but still showing balance and noted with the dispute and says it meets requirements. EQ is still open and shows dispute with reinvestigation in progress. Is a closed collection account hurting my score still?? My TU jumped like 30 points when they closed. Verizon account shows it's from 2014
2 hard inquiries on TU, 4 on EQ
AAoA is 7 months, which will probably go down once I get the collections off (if)
I'm thinking of trying for a small personal loan in order to fill that gap of credit type in my reports, and then either have the money on hand to leverage Sprint / Convergent easier when trying again to PFD, or try to work with Wells Fargo and Kay (can I even if they sold?) to see if they would delete or update if I paid (even though they're closed, they're showing lates). Probably wouldn't try for more than $1,000 and don't know if I'd even get it, I just joined a credit union that might work with me a little easier, who knows.
I'm sort of at a loss with how to proceed right now, or if I should just wait and garden for a while. I plan to bring my utilization down to 8% next month, and I don't have a ton of extra income left each month after paying my current bills (maybe $2-300). But I could be a little tighter if absolutely necessary.
I'm currently living with my 18 month old son and spouse and could provide details of my expenses if that would help. Any kind of feedback or advice anybody has would be extremely appreciated, and thank you guys in advance!
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Liens on House
What's the best way to find out what liens,if any, are attached to your house without shelling out a large
sum for a full Title Search? I intend to eventually have a title search done, but in the meantime didn't know
if there was a cheaper option just to get an idea.
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Why are dispute comments listed on my CRs that I did not initiate?
I just received my monthly updated MyFico Credit Report and I noticed dispute comments listed on an account that I have never disputed. Why is that and should I call to ask them to be removed?
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