Looking for contact information and advice
I have a paid auto loan with Capital One, it was opened in 2006 and paid off in 2011. It has late payments attached to it, which is hurting my score. I was gonna attempt to GW them. Wondering if anyone...
View ArticleWalmart loves me!
Logged into my Walmart Card account this morning to schedule a payment and just noticed they have raised my limit from $500 to $1200! When I got the card back in November, I called in and asked if they...
View ArticleUpdate
I know that I haven't been here in awhile...Things have been going good; still maintaining positive credit- I started back in 2014 with in the mid 400's- If I can do it so can you. I'm currently in...
View ArticleDismissed with prejudice and not liable whats the point?
Early 2013 I found out by junk mail I was being sued by someone. No clue as to who or why as I had not done anything to anyone. Called county clerk office was told that I was being suid by such and...
View ArticleDisputing Account Lower Scores
I disputed two accounts on my credit scores and Transunion dropped my score 29 points. I contacted them and Fico about this. I had no idea that this would have a negative effect. Nothing else on my...
View ArticlePay down.transfer balance or ask for higher limit
Hello everyone so looking for some adice from some of our veteran myficoers. I am about to pay off four of my credit cards which will leave a balance on two cap one whicb total about 2100. I dont want...
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Quick rebuild for mortgage...and plans for after approval?
Newbie here...go easy on me, please. HOLY COW! I didn't think I was going to be this wordy! Apologies if this is too much, but any advice the "pros" can give me would be greatly appreciated. I have...
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What do collection agencies owe us?
I had a collection from T-Mobile. It actually dropped off my credit report but I wanted to address it in a way that was fair considering the circumstances (features of service had been misrepresented...
View ArticleIs there a gw letter template?
I am asking because I'd like to use it to remove a student loan late payment. Its more than two years old but I'd like to apply for a mortgage. I need to bump my score up and thought this might help. I...
View ArticleOne Bank Buying Another
I asked this elsewhere with no response:If I owe bank A an old debt and currently bank with B, which is buying out bank A, what happens to the debt with A?
View ArticleDifferences in agencies
Hi. I have recently bgun my credit rebuilding journey along with my wife also. I have noticed that not all reports ae created equal. Can i get the "good" accounts on one agency to tro be reflected on...
View ArticleMotion to Seal
Trying to get rid of a satisfied judgment from 2012 on my husband's reports. Called the clerk of the district court (MD) to ask about vacating and removing a satisfied judgment (since I couldn't find...
View ArticleRemoving Derogs
I disputed all the accounts that were negative on my reports.The 7 newest accounts were deleted. The remaining 6 accounts have SOL dates of March through July of this year. These 6 accounts total over...
View ArticleAll Negative Items Paid
I have completely paid every negative account on my report and all show zero balance but are still showing. What is my next best step for removal?
View ArticleThird card option for weak credit...
Decisions Decisions.. So surprizing i got approved for the capital 1 platinum and the qs1. I really wanna get a third revolver. I'm an au on a sears mastercard but i'm guessing that doesnt do much for...
View ArticleHello brick wall
Hey guysIt's been a few weeks since I've been on the site. I've been in the garden for a couple months and didn't want the temptation to break my resolve. I'm back one again looking for some advice....
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Tell me some of your stories
I'm feeling a little let down. I'm naturally an impatient person, which I'm sure some of you can understand... Since paying off most of my collections, I'm excited for a fresh start -- though Fresh is...
View ArticleCan I dispute this?
My Charge offs fall off this year. One of the, Credit one, fell off Experian and Equifax last month. Date of first delinquent 12/08 on EX and EQ and 1/09 on TU. My TU report says "this item is...
View ArticleNote to Self...Call Capital One
I did receive the credit steps email upon approval. Never received how much it'll increase. Was I suppose to get an email with that info?Do I really need to call or just sit down somewhere and pay on...
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