Feeling Hopeless
HI there, My husband and I thought we would be on our way to purchasing a home next year. Then the reality hit... Student Loans (these are husband's mine are all current)$9,600 Chase loan in...
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Small mistake = serious delinquency & huge credit drop
Hi guys, I'm looking for some advise here on what I can do. Until a few months ago, I had never missed any type of payment or carryed over a balance in 8 years of credit. Around that time I had a...
View ArticleMidland Question
I have a midland account that I think should be ready to come off of my CR but it has not. It actually looks like they re-listed it on my report. The orginial open date was 8/2011 by Midland....
View ArticleSecured credit cards
Whats the best secured credit cards to start rebuilding your credit with and how long should I wait before I apply to get my second credit card.
View ArticleHit credit limit question.
New to building credit seemed like appropriate section.So I've had a Credit One CC for about 6 months now. The card has a $300 limit. I've never tried to raise it but I thought about it. I make $1,800...
View ArticleTU luv....
Pulled my CCT reports today and..... Up six more points on TU to 642! Sent out two PFD offers this morning for some small medical collections.... hopefully one of them will bite!
View ArticleExact Dates for Collection
Does anybody know the exact times at which collections become less impactful on your credit score? Is it 1 year, and your impact level goes down by x amount? 2 years? I'm basically trying to figure...
View ArticleAwesome news today
Starting my rebuilding journey and went to my credit union today and took out a secured loan so I could have an installment loan for my profile. We were talking about my goals of buying a house and...
View ArticleWells Fargo Charge Off - Been paying monthly for years, they still report it...
Hello. I had a Wells Fargo Financial CC with a balance of 12k. My wife lost her job and we accumulated several unexpected bills shortly thereafter. I stopped paying my CC payment for 3 months. Wells...
View ArticleMassive amount of inquiries falling off
Should I wait for the 41 inquiries that are set to fall off my Equifax credit to drop, THEN apply for a pre-approval for a mortgage? Or can they be removed much more quickly with letters or with a...
View ArticleHELP NEEDED: Do I have grounds for a motion to vacate paid judgment?
Long story short, I was issued a judgment in March 2013 for unpaid rent in an apartment that I lived in. I was served, went to court, and moved out of the apartment before I was thrown out. Fast...
View ArticlePlz help with my PO plan
Hi guys,Rebuilding after a stint of unemployment I will try to keep this short and sweet need suggestions of what order I need to pay things off to see the best results along the way.Here are the...
View ArticleCredit Acceptance
I need help trying to find the info for Credit Acceptqnce Corp. where I can send a GW letter to them any and all information will help me I have searched Google and haven't came up with a legit...
View ArticleDodged a bullet, I think
Hubby and I have been getting calls from the same number since Nov. We never answered it. We both put it on our DNA list (Do not answer) and assigned it our favorite ringtone. That's a quacking duck...
View ArticleRecommendations on Credit Repair Companies
I used a credit repair company called YCS about 5 years ago and they were able to remove a handful of negative items off my credit report. They were quite expensive in my opinion and that's why I took...
View Articlewhat the heck is going on with my score?
back in December i had a score of 682 and things were looking very promising. had zero balanced on credit cards, current auto loan and multiple trade lines all reporting good. 12/24 charged $307 to a...
View ArticleStrange student loan dispute question
A while back I subscribed to a credit repair service, but have since took actions into my own hands. So the question I have is, the credit repair service had my student loans deleted off my credit...
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Anyone have Email Contact for Lincoln Automotive Financial Services CEO or...
Hey everyone, Had a Lincoln with a superhigh payment (due to rolling a deficit from another car loan into it...sigh). Came to a point where we just couldn't handle the payments. Decided to give it...
View ArticleMerchants Credit Help
Hello all, New time lurker, first time poster, basically a noob. I've recently been reading old posts and I think I need help with the next steps of clearing out some Collections on my CR, because I...
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