Will combining two cards lower AAOA?
I have 2 quicksilver cards, both about 2 years old. Will combining there credit lines lower my AAOA. Outside of having one less card are there any benefits to combining them?
View ArticleCharity care for old medical collections?
My husband has about $1300 in medical debt from late 2012 that is sitting with a collections company. I called the hospital a year ago asking if they'd be willing to recall the debt for payment in full...
View ArticlePRA collection, Late payments
Hi all, I was wondering how to go about dealing with PRA. I currently have a collection w/ them at $1852. DOFD was 7/2010. SOL in my state is 5 years. Should I even bother dealing with these mooks or...
View ArticleOk I have info now! Advice plz? :)
Ok, FICO scores, 590 EX, 587 TU, 590 EQ. I have lots of collections, some say open and some say closed. What's the difference? Sorry, just starting and I don't know much. I don't know what a charge off...
View ArticleWhat to do after failed goodwill campaign
So I have a few baddies holding my scores back from what they could be right now. A synchrony bank American Eagle card for $160 a TD Bank Target Red Card for $400, a collection for $3090. All are paid...
View ArticleAfter 6 years Cavalry finally deleted account!!
Wow, after fighting with Cavalry for 6 years trying to get the same Bank Of America debt deleted from my Credit Report.I took the time to FAX them a letter, didn't feel like mailing. The letter was a...
View ArticleJudgements
Folks I had three judgements all in North Carolina on my CR. Two I paid. The third unpaid is now past 10 years. The judgement entry dropped in 2012 from all three CR's. If the judgement holder renewed...
View Articletrying to fix credit score advice please
i have purchased myfico 3b and im trying to fix my bad credit. i need some good advice on whay i should do. this is my credit fico scores. equiifax-616transunion-529experian -525 yes my scores look...
View ArticleGood will deletion and Pay for deletion letters?
I would like everyones input on the best GWD and PFD letters that they have used and had success. Im about to write several to several different agencies and want to make my best effort to get approved...
View Articledid I restart the clock by mistake?
I have an old CO with Cap1. (my nemesis) It is well past the sol for my state. I called to do a pfd and to also inquire if it was actually my debt. My ex fraudulently opened another account so I...
View ArticleWhere to start?
I've pulled my Fico scores, Experian 699, TU 680 and Equifax 658. I'm preparing to build a home hopefully in the next 2 years so I need my credit score to increase a lot!!the following are negatives...
View ArticleQuestion about Jefferson Capital co
Hello! I was hoping someone would provide some advice. I have a legit charge off from Jefferson capital that is pif and closed. I tried a gw letter and not only did they deny they sent me the letter 3...
View ArticleMy credit improvement plan, any feedback?
I've made a few posts asking for advice on tackling different items on my reports but I wanted to go ahead with a general post about where I'm sitting right now and see if anyone could offer any more...
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Rehabbing student loans??
Okay so I had an identity theft issue from a relative that made me very wary and untrusting of credit at a young age so I just absolutely ignored it. I always had a cosigner when I was renting an...
View ArticleTrying to build up credit to qualify for FHA home loan
I'm attempting to rebuild my credit in order to qualify for a home loan. My spouse has good credit (730 mid FICO) but we can qualify for a home that we'd like with both our incomes combined. My current...
View ArticleUS Bank Charge Off deletion
Does anyone have any experience with getting goodwill from US Bank? DH has a 4K charge off with them that he didn't know about until trying to apply for a HELOC last year. It's dropped his score 200...
View ArticlePay Collection or Not to Pay -
I received a letter in the mail from Convergent Outsourcing, a collection agency in Washington. It was in regards to a Regions Bank checking account I had. The date on the account is from 2013,...
View ArticleGoodwill letters??
Should you send goodwill letters certified mail or at least use a tracking method?Also, how long does it typically take for someone to respond? Should you call them and asked if they received your...
View ArticleNegative balance checking account written off at Charles Schwab - credit...
Last year I was in the process of consolidating my banking accounts with my wife, and I forgot that my old Schwab checking account was autopaying a small bill every month. Eventually, the account went...
View ArticleWho to send goodwill letter to?
I am going to attempt to send a goodwill letter to the good old folks at AAFES for the military star card to remove some lates. What email/physical addresses should I be looking for? If anyone has the...
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