NFCU secured card finally reports and i lost a point :(
I'm confused. I only have two credit cards on my credit profile: a capital one secured and as of today a NFCU secured card. When my capital one card showed up on my profile I received a 50 point boost...
View ArticleStudent Loans, Great Lakes derogatory remarks...
I'm working on these 7 derogatory remarks. Contacted the lender via telephone and requested my income based payment plan be retroactive on the account and the marks be removed, or that they remove the...
View ArticleRebuilding my credit
I have pretty poor credit and I was thinking about signing up for the credit based cards to pay off my debt and then make those payments on time to try and rebuild my credit so that I can be considered...
View ArticleDispute success!
On my DH's TU report there was a collection for an old parking ticket from TSI/980. First, we never got the ticket. I know people probably say this all the time, but it was the same month we moved and...
View ArticleMacys CEO
Does anyone know the email i only have this baddly is a charge off from 5 years ago
View ArticleMade it to 700!!!
My husband and I both have TU Fico 08 of exactly 700 today! Our fako TUs were around 560 when we started rebuilding 18 months ago. Our credit reports are still a mess. It will be 5.5 years before...
View ArticleAt my wits end with FCO CA!!! Advice plz/
So for a quick recap, last Sept we had to move out one mth prior to lease ending. was told that we would only be responsible for 1/3 of last mths rent plus of there were any damages , which it wasnt i...
View ArticleSpeak for spouse?
Hello, any general information on speaking to creditors, collections agencies and medical collections on your spouses behalf? This is for debts that I am not a co-signer on and medical bills, although...
View ArticleCreditor requesting payment after account dropped from credit report
Hi everyone,A creditor(e.g, collection agency) is requesting that I pay on an account that has already left my reports. Actually this creditor (creditor 2) is representing another creditor( the orginal...
View ArticleMy Rebuild (with data points)
I started rebuilding mid February 2016 and my EQ FICO was 575 with 2 judgments (2010 and 2011), 1 charge off (2013), 2 medical collections (2015) and 1 other collection (2013). I also have student loan...
View ArticleBest way to approach removing late pays
Hi everyone. Thanks for all of the great information. I am just getting started on this credit improvement journey. My goal is to apply for a mortgage in 6 mos. I have decent credit history length....
View ArticleMerrick Paid CO still has CHARGEOFF Status - Error?
ON my EQ report, an old Merrick account is reporting as CONDITION: OPEN and in the status bar it says CHARGEOFF. But EQ and EX say CONDITION: CLOSED and STATUS: Paid CHARGEOFF. Is this an error with...
View ArticleFeeling hopeless at this point...
I have been working so hard over the past few months to repair my credit. I hit a rough patch a couple of years ago and things went downhill. My future goal is to be able to buy a home. My scores are...
View ArticleMy Rebuilding Journey -Thought I was half way through but it's just starting
Hey all, So I have been following this forum for a while I have been rebuilding my credit. I have been using mostly CK and Credit.com to monitor my scores. I thought I was rebuilding, but I decided to...
View ArticleJust seems like wasted time
So over the past year I've went from mid 500s to upper 600's on my scores. Hard work and a lot of patience. Only to get an alert today saying my Equifax fell -38 points due to some random negative...
View ArticleStarting my rebuild journey
Hello all, I just signed up and wanted to introduce myself a bit. After finding this site two nights ago I have decided to start on the trek of rebuilding my credit. I had 5 credit cards when I was...
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Equifax Shenanigans.....
I logged in to my Equifax complete account and took a look at a capital one charge off that I knew was going to be falling off soon. It says on the report my date of last payment was August 2009 so...
View ArticleAdvice on asking for settlement as Paid absent the dreaded "Paid for less"
I'm negotiating a CC chargeoff settlement with a CU Attorney for approx 15k owed. The credit card was chargedoff about a year ago. This week I offered to settle at 5k but the CU attorney won't...
View Articlefixing my credit
So this is my first post and im not sure where to begin but here we go.I have an negative items on my report I am trying to remove.1) frontier..... I called them to ask about the debt to pay it they...
View ArticleCredit Bureau Online Dispute Portals Don't Show the Items I Need Disputed
I am so confused, so I've come to seek some help here. I have been working really hard trying to raise my score for the past year. I have successfully managed to get some collections removed from my...
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