Which card if any?
Hey new to the forum and I'm currently trying to build my credit. My scores right now are Tu 614 Ex 603 and Eq 575 currently have 3 accounts in collections totaling less than 1000 dollars I have an...
View ArticleWhat date on my CR is important?
Hello Everyone! So I was reviewing some of the information in my CR's. I've searched the forums and without luck have yet to find a solid answer. So here goes. The following is copied from my TU...
View ArticleTU dispute timeline: 60 days vs 30 days
I'm curious -- how is it that the FCRA states that a dispute must be resolved with a response within 30 days or the TL must be deleted -- but TU can send a letter in response asking for an allowance of...
View ArticleConvergent---Comcast
I called Convergent to verify a debt and find out why we never received correspondence regarding this debt. The representative said mighty proudly I might add we've sent several letters to and begin to...
View ArticleHow long before FICO updates?
I had a collection drop off EQ & EX around 1st. I haven't seen an update from MF yet. I wanted to see if there is a score change but because of no changes I don't see any updates. Any idea how...
View ArticleData Recovery Solutions-HELP!!!
My TU report was clean and now a $193 collection has popped up from 3 1/2 years ago. I offered a PFD and he said they don't delete. What should I do? I want to buy a house in the next 6-12 months. I...
View ArticleHelp!! What should I do ?
OK I filed a detailed dispute for a debt with FCO on June 6th , they received my documents June 10th since then all negatives have been removed from reports but they continue to contact me trying to...
View ArticleExperian and Transunion score jump
My experian short up 55 points today to 665 and Transunion just jumped 40 points to 667. I have no idea why. All I can think of is that The Chase charge off updated to 0 now ( was $5217). I got a...
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Public record REMOVED!!!!
Put in a direct dispute with Transunion and Equifax about a public record listed on my reports. Closed back in 2011. I submitted the dispute on friday the 1st and today TU has already removed the...
View ArticleFinger hot hurt my all credit bearu by _65 pint
I was working hard for fix my credit since last year till now 550 to 670.Yesterday my fico score have been changed to -65 point . I just want die .Finger hut report to them for none pay play station...
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Invalid collections debt being removed - score impact?
Hello! I have been trying to rebuild my credit. I got current on my student loans, and they're my only open accounts. I don't have a credit card, car payment, or house payment (and I pay my rent on...
View ArticleChase Mortgage Modification
Hi everyone. I was wondering if anyone else had any experience like mine, and what you did about it to get it solved. In 2012, I was exploring a mortgage modification. I called Chase since they are...
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Credit card to improve score?
This is my second post today, but I have a lot to learn. I currently have 18 open accounts on my credit report - all current, all student loans. Would a credit card help or hurt my score or probably...
View ArticleMidland Funding....Again :(
Hello everyone! I just have a couple questions about my credit report. Midland Funding is reporting a Past Due amount, 120+ days late (Mar & Apr 2016) even tho the OC sold this in 2015, 1 month...
View ArticleCharge off revolving!!
This is my last baddie that I have On my credit report. A BoA charge off amount $586 why is this account still revolving it's killing my utilization
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Judgment deleted, but
I had 3 judgmets on my credit report: one from 8/2009, 4/2010, and another from 2014. I expected the one from 2009 to fall off next month resulting in a hefty bump in my credit score. Today I checked...
View ArticleGoodwill Success - CapitalOne
Third time is the charm. I had a single 30-day late from June 2015 on all three reports. On June 29th, I sent my third e-mail to the Cap1 CEO.....received a call within 48 hours as promised. I was...
View ArticlePaying off a creditor -Proper Procedure
Hello, I have a creditor that is garnishing my wages due to defaulted student loan. I was told that If I pay it off in one lump sum it would be a discounted amount. Is there a standard procedure to do...
View ArticleA few questions on different cards
Hi, I used to post a lot a while back in 2013-2014, maybe into early 2015. I had built an excellent credit history after rebuilding from one or two dinky collections, built myself up to over 700...
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