Financial rebirth: closed collection accounts
It's been awhile since I posted. I was last here about a repossed vehicle from a buy here pay here . Last year I was able to put down a large down payment and get into a newer vehicle, but life...
View ArticleWhat ??? Charge Off account GONE from Report!
In May I sent payment to Capital One for a charge off from 2014. On my reports Capitol One was listed as the creditor plus it showed a balance. I just happened to send in payment at the same time the...
View Articledo late payments stay on for the full 7 yrs?
I had a Wells Fargo credit card account that I opened in Feb 2013 and I fell behind on the payments in Mar 2014. I was able to keep the account from charging off and brought it current in early 2015....
View ArticleCostco Anywhere Visa Card APPROVED!!
I've been eyeing out this card since it came out. Although I really didn't think I'd be approved for it, considering a lot of the approvals were with scores in the high 600's+. Since I shop at Costco...
View ArticleConsidering doing the unthinkable....?
Not sure if this is a decent strategy or not. My wife and I are seriously thinking about buying a home in the next 2 or 3 years. I have a CO/collection on an AT&T account for $986(from last...
View ArticleOnly have 1 cc trying to fix credit
I have 1 cc that I got 2 months ago with a limit of $500. Today I noticed that on report it says flexible spending. It reports my limit also highest balance. I'm trying to fix my credit and have been...
View ArticlePRA
So PRA has incorrect information on my report and moved from an open account to closed account with CRAs because they can validate info. How should I proceed with CRAs to get accounts removed?
View ArticleFingerhut Mistake?
I posted here a few weeks ago on how I'm trying to build credit for the first time. I have one hospital bill I'm working on getting off my report. My first credit card was six months ago which was a...
View ArticleAdvice Pls: Utility >10% Need at ALL times?
Hi all, so I know I will be gardening for at least a year, I just opened 6 new accounts I dont know how that will hurt my AAoA either? I had 21 years but I dont know how is that calculated either. I...
View ArticleNew Medical Collection from last year :(
So apparently my previous insurance company did not pay a hospital I visited last year. I moved and somehow missed the notification that this occurred. It's for $841 and says that the deliquency was in...
View ArticleFico score "0" to 670 in 1 year
Finally in the garden. Here's my story. In in college in the early 2000's I made some serious credit mistakes. At the time companies were handing out credit to students like potato chips. I had cards...
View ArticleCapital One Charge Off Still showing Balance
I recently settled 2 Cap One charge offs and one has already updated to a $0 balance. The other one they are giving me some BS about a 22 day monitoring peroid. I have disputed twice and both times...
View ArticleClik here to view.
Getting real closer to 700 1 year and 4 months post BK7 and....
My scores are now FICO as of 7/3/16: EQ: 693, TU: 664, EX: 683 Experian gave me 20 points boost for increaseing on my wife's AU AmEx from $0 to $450 LOL! Not complaining My Quicksliver stopped fruad...
View ArticleShould I get a CU credit card to improve my Fico?
Should I get a well known CU credit card to improve my Fico by, at least, 26 points?Thanks,
View ArticleStarting over again
My bankrupcty was discharged in August 2011. I started rebuilding my credit as was at 649 when I lost my job. I am currently living in a shelter and just got a full time job with decent pay. I have a...
View Articlejourney continues
Starting in 2014, i have been slowly rebuilding my (and wife's) credit after the '08/'09 meltdown. These forums have contributed, so thanks all. I have managed to shed the sub prime rebuild cards...
View ArticleApplying with NFCU
Hi, long time lurker here. My current checking is Wells Fargo second chance which was only recently opened. Since I was not made aware of some of the restrictions on this account I am a little annoyed...
View ArticleHow an AU card helps someone
I have a relative who went through a bankruptcy 9 years ago. They never obtained any credit cards after. I believe their credit history is pretty bare at this poiint and they have limited income. They...
View ArticleOldest Account about to Age Off
I'm almost one year post BK, and my scores are TU 650, EQ 666 and EX 653 up from 570-580 across the board through the guidance and reading from this forum. My oldest account is a Secured WAMU card...
View ArticleNew To Credit Repair.
Hello Everyone! I've been lurking for a little bit and I decided to post just so I can get some guidance as to what my next step is but first, here is the status of my credit. According to...
View Article