Charge off & paid. Now what?
Hey all, Like many others in this forum, starting my credit rebuild. I'm currently working with financial recovery services Inc, on a charged off credit card debt (via Barclays), & they offered me...
View ArticleHad a not so winning win today...now what?
I was approved for an auto loan that I couldn't accept today. The terms were not within my budget ($500 down was doable - payments of $541 were not!). Needless to say, I was a combination of relieved...
View ArticleNew York State 5 Year Early Exclusion Law Question
I just called Experian to have to paid off charged off accounts removed from my Experian report under the NYS 5 year early purge law. The customer service representative I spoke to said that they had...
View Articleold collection debt
got a letter for a desposition zoom conference call for a old debt from 2011 that is no longer on my credit report. Doesnt the SOl apply here or am i missing something? sounds like they want to sue me...
View ArticleFingerhut claiming I owe for credit builder account but I paid it off
Okay so, about 2 years ago, I got a fingerhut credit account for $250.00. I was so happy to start rebuilding my credit! So I was making my payments every month until the last month; I had completely...
View ArticleExperian FICO Score Drop W Positive Activity
My apologies if this has been answered - please direct me to other posts if you can - but I am getting conflicting answers on this, so I appreciate any help. I received an Experian alert that my score...
View ArticleOvercome Late Payments
I have some late payments on my credit reports and I'm trying to see what's the best way to combat those without doing further damage. I am making my payments on time now and have been for the last 5...
View ArticleOhh I think I messed up already 😭
Hi all,So I was trying to open three CCs to start building back good trade lines after catching up on collections. I applied and was approved for three that I thought were okay. All have AFs but given...
View ArticlePaper Reports
Hello all! I know that having your actual paper reports in hand is crucial to looking over and starting the rebuild journey. I'm also aware that free annual credit report is available, however one of...
View ArticleCredit Criteria for Secured CCs BOA, TD Bnk, US Bnk
Hello everyone, I am currently rebuilding after a downward spiral due to medical issues. I have am currently paying off my collection accounts but want to start getting positive payment history while I...
View ArticleDad nuked my credit...how to navigate this?
Long story short - my Dad had CCs in my name and went over CL, missed payments over 120 days, and now the three cards are being charged off. Amex Gold - 26k balanceCapital One Venture - 30k CL, 36k...
View ArticlePlease advise on how to attack these few items - Thanks!
Greetings - I have been paying my bills on time for the last few years but I lost my job back in 2020 via Covid, and bad some bad credit hits.The following are remaining derogatory items that I need...
View ArticleWould this be considered abuse from a creditor?
I had financial difficulties in mid 2023 and missed 3-4 payments with Capital One, Chase and Citibank. I explained the situation to all these companies. I also added that I was a victim of long term...
View ArticleFriend checking-in to a mental health facility full time
I have a friend who's in 20k or so in debt. He suffers from chronic mental health issues and is opting to check- in to a full time program, which requires him to take a leave of absence. He does not...
View ArticleMariner credit sucks!
I just realize what mariner credit was doing. They won't negotiate with me and every month they just add to the balance. The original debt was around $2000 now it's $7000 and the account has been...
View ArticleWhat the next step I should take? (Capital One)
I had a charged off account with Capital One that was being handled by Portfolio Recovery. I called them today and made a payment to settle the account for $234. I have a card indirectly with them with...
View ArticleExperian paid CO/EE question
This might be a silly question, and please feel free to let me know that, but here's gist. I have an old but paid ($0 balance) CO with Chase set to fall off completely Sep 2025, which I just...
View ArticleI'm trying to build a plan... Opinions?
I am truly considering getting a debt consolidation loan from DCU. I really wonder if it would hurt my credit really bad by closing out all of my other cards. Because I think they require you to close...
View ArticleWhy is Early Exclusion So Important
Hello all...I have been reading quite a few posts regarding early exclusion. I am just curious as to the reasons for this process. If a person has waited 7 years for a negative to drop off, what is an...
View ArticleClearing utility collection with Allied Account Services with 'creative' PFD?
TL;DR - Utility company is owed $400. Collections in progress through AAS. Utility company has agreed to take payment but I want to confirm collection entries will be removed. I have a collection...
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