Discover IT Secured question
I applied for the regualr discover IT knowing I would get denied but hoping for the secured offer about 2 weeks ago. I didn't get the offer but noticed now you can actually apply for the secured. If I...
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HELP!! Can they do this? CRA Reporting CO and Collections as Delinquent
Hi myFico Family. Here's my question with backstory... After a period of long-term unemployment and now under-employment, I have 3 baddies on my reports. Auto Loan CO; Bal 0.00; Acct Status: Closed;...
View ArticleI have no idea what to do. Original Creditor keeps changing account status...
I wrote to Equifax a few weeks ago about the original creditor updating the date of first delinquency to 6 months later. They responded that the debt was verified which wasn't what I was asking about....
View ArticleCharge off deleted from CA's, scores down 13 points?
I recently had a charge off age off on Experian and my score dropped 13 points. Nothing else has changed. UTI is 1% etc.. What gives?
View ArticleSfdcu
What exactly is this? I'm trying to get another secured card to help bring my score up and I keep hearing people say get a secured with them . Please help and break it down for me, is it a soft or hard...
View ArticleWoo Hoo! SyncB GW Success!
Woo Hoo! In April of 2015 I was 30 days late on my paypal smart connect account. It had slipped my mind as it was not something I frequently used. I immediately paid when I found out. I decided to...
View Article5 years of incorrect DOFD and possibly other information
Hello all, I have a scenario where an account from a collection agency is on my Experian credit report showing a date opened of 02/2011 and a DOFD of 01/2011. I filed a CFPB complaint that this date...
View ArticleCapital One Issues
I'm looking for help/advice/guidance with two issues I am having with Capital One. 1. My credit limit is $2,300 and before my statement closed on January 23rd, I paid it down to $1,000. My...
View ArticleGoodwill email addresses please?
Can someone PM me the email addresses to send goodwill letter for:Capital OneCredit OneFirst PremierSynchrony Bank (Walmart, JCP, Old Navy)Barclays of DelewareToyota Financial ServicesContinential...
View ArticleJust got a First Premier email
Out of sheer curiosity I looked at the terms and conditions. 36% interest and annual fees and monthly service/maintenance fees? I don't think so. Lol. It's already been deleted. But at least I'm...
View ArticleDisputed negatives deleted from TU!
Woohoo! Just got an email stating 2 disputed collections are deleted from TU! I have GW sent to each CA and disputes with the other two bureaus. Wish me luck!
View ArticleAuthorized user, yay or nay.
Hello there I am in need of some advice. Currently me and my wife agree in the house buying process but I am needing to get my scores up. I am in the low to middle 600s across the board. Haven't had a...
View ArticleMidland Judgement ?
New to the forums, Ive been reading, a lot of helpful info here. Great site. I had a judgement against from Midland Funding. Same story as a lot of others, I was never served personally etc etc. I...
View ArticleSuggestions on negative Items
Well, i got tired of trying of clean up my credit so decided to start on my wifes. She is showing 15 negative accounts on her experian report.. Any suggestions on what we can do with these? 15 late...
View ArticleCredit score drop in spite of new accounts
Hi allI added four new accounts recently such as Walmart cc, Amazon store card, PayPal smart connect and Victoria secret. My Transunion score has dropped by 45 points. Can't understand why.. Recently...
View ArticleSurprise bump and a drumroll...
Today I got a mild surprise bump -- a few points on TransUnion and 17 points on Equifax for paying a card down below 30%. With Equifax, it brought me to 655, just five points away from "good" territory...
View ArticleSettling judgment please help
I made an offer yesterday to a bank that has a 7 year old judgment against me. Then I got an update that they ran my experian report and it is a hard inquiery. Is this common? Why would they do this ?...
View ArticleDispute comments push your scores down!!
I am gettting ready to apply for a mortgage, and I have read that underwriters usually ask to have dispute comments removed from the credit reports. I contacted TU yesterday, where I had 3 credit card...
View ArticleReports are now clean
I logged in to Credit Karma today to discover that my charged off account from 2010 had been removed from my EQ report, even though I'm still about 18 months away from the 7 year mark. It had...
View ArticleGoodwill question on company that is now out of business
I have a 30 day late payment on a loan that is now paid off but the company is now out of business.... What can I do to try and get this fixed?
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