Incorrect personal information on credit report
I noticed that my DOB is listed wrong on my credit report. Thanks to the myfico 3B report. Would this affect my ability to appy for credit? I havent applied for anything. Ive been checking to see if...
View ArticleNeed to practice patience!
I have no idea what is wrong with me. My scores are the highest they have been in years, and everytime i get a huge score bump i somehow think thats my signal to apply for more things. I am not getting...
View ArticleWhen do you consider your rebuilding Complete?!?!
Just curious.... At what point do you consider yourself out of rebuilding?Is it when all the baddies are gone?When you hit a certain Score Number?When you get approved for a certain Card?When you...
View ArticleLast collection baddie is finally gonna be gone!
I've cleaned up so much in 3 months (including a state tax lien, a judgement and a bunch of collections)... but I had ONE stupid $94 yard service from 2010 (but scheduled to stay on until 2018) that...
View ArticleCOX Communications contact
Would someone be able to send me the contact information for Cox Comunications email for a GW letter please?
View ArticleCharge off/Collections reporting
I have a few charge offs/collections (with balances) on my report from 2011-2012 and the creditor has "closed" the account. However, each month they keep updating my file on the "Last reported" area....
View ArticleUnpaid balance reported as a loss by credit grantor.
I had a bad credit record two years ago. I forgot to pay a store credit card for more than 6 months and my credit score droped a lot. I paid it immediately after I found out. So scared... Now my credit...
View ArticleHelp!! I don't know where to start....
I am 34... I never took my credit seriously in my 20's and early 30's. I at one time had wonderful credit (I never really checked my credit scores but never had any issues with getting approved for...
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AFNI Delete! I hope.....maybe....
I sent AFNI an email validation letter to AFNI just last week. There were reporting an old DirecTV that was paid in full to close, and then they charged us for the receivers, even though I have proof...
View ArticleHad a debt owed to Sterling/Kay Jewelers - Bought by a debt collection agency
Hi I need some advice. A collection agency bought my old debt from Sterling Jewelers/Kay jewelers...about 1300.00. THe collection agency filed a lawsuit, but I paid the entire debt off before the...
View ArticleWorst Credit Score. Is there any hope?
Hi Everyone! Though I have been lurking off and on this is my first post. My credit scores are just terrible. I was late a few (6) months on my car payment (it is now current) and have a bunch of...
View ArticleEveryone Needs to Start Somewhere
Well this is embarrassing... I've read many stories of financial hardships in this forum; broken relationships, medical expenses, unemployment, etc. All many legitimate reasons for someone to have to...
View ArticleHelp please
Hi family! I have 2 baddies on my Ex report that I've been avoiding for a while now...,, Applied bank for $1100 and a small collection... My reason for avoiding them is bcus I'm scared they may appear...
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overwhelmed
I'm so upset. I am literally in tears right now. I have been working so hard on my husbands credit and we got it up 100+ points and we were paying his 2 collections. ($300,and $130) I paid the $300...
View ArticleHelp members please, credit card company (bank of America visa)
About 2 years ago I received a letter from a credito, or Bank of America, I don't remember who sent it. But the letter mentioned something about my debt being taxed/ reported to the IRS or something...
View ArticleGetting my US BANK credit card back
I have a US BANK credit card that in June of last year it went over 90 days and they closed it, but the account remains open when I login to the US BANK website for my regular banking. It is listed...
View ArticleFirst Federal Credit Control-- at an impasse-- what do I do next?
Would love a 'gut check' of my plan of action, thanks SO much! I have a $40 collection (from a medical bill) that I'm trying to negotiate for a PFD (I'm wiling to pay the full $40) with First Federal...
View ArticleRebuilding credit
Hi everyone. So I am in the process of getting my credit together. I have about $5k in collections on my credit report. So I am in the process of paying those off. I paid 2 accounts the other day, and...
View ArticleExpired statue of limitations
Ok so I called Wells Fargo dealer service to pay a old charge off. It's just past 5 yrs old. He said it's uncollectible and he will get it updated with the bureaus to show paid in full and stop...
View ArticleWanna share a bit of good news!!!
Started my rebuilding process January, 2016 with 5 collections , 2 year old bk7, and 2 cars that had to be forfeited and about 90 inquires on each Credit Bureau reports. Ive gotten a car loan back in...
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