Settlement in Full on Current Loan....
I took out an installment loan last year and have been making the payments on-time (never late). However, the balance on the loan never seems to go down significantly even though its been over a year...
View ArticleWhat to do with tiny limit secured Cap One card
One of my first rebuild cards, was a Cap One secured.. It has a 200 dollar limit, which I dont beleive will ever grow. I Just got a CLI on my quicksilver card to 1500, and I have several other cards.....
View Article*POOF* Hunter Warfield Collection gone
From all 3 bureaus. I don't know if that means they've sold it to someone else or what? Original date 11/2012. They started updating monthly some time in 2015 and start calling me regularly around...
View ArticleWHY?? So upset !!
After all my hard work since Feb last week I had 2 of my last 3 collections removed , big ones newest ones , I waited about a week and CCT still hadn't showed any increase in score then i check last...
View ArticleWhat to pay first - Collection account or lower CC balance?
I'm wondering what is the best plan of attack to get my credit score in a better place. We have 4 credit cards between husband and I, plus 1 credit account - total balances $7688 to credit limits of...
View ArticleExperian dispute
First off, just gotta say wow. They are fast!! I disputed an old judgement on my husbands report that was paid back in 2012, and was showing still open. It literally was less than an hour for the...
View ArticleMy next step in rebuilding...Any TU HP only credit cards?
Long story short. I've been rebuilding for 2 years and I'm ready to start adding some more credit cards. I'd like to apply for cards today that pull TU only. I've received prequalified offers for...
View ArticlePIF before or after statement cuts?
Which is better for rebuilding? I PIF all cards every month, but i'm trying to decide if I should start doing it before statements cut. I'm sitting here on payday, with money to pay bills with, but...
View ArticleCreditOne Reporting Question (Sold to another lender)
Is Credit One reporting wrong? Credit One reported charge offs in 10/15 and 12/15. It was sold to Midland Funding. Midland has been reporting on that account since March 2013. ALSO, If you notice on...
View ArticleExperian EE Success!
Called intoday about a Credit Bank Charge Off that was scheduled for Nov deletion. I told the CSR that last month i was told to call back about deletion of this account. I gave her the account name and...
View ArticleSatisfied Judgement on CR
Hello! I have a civil judgement due to for removal in September of this year. This judgement was due to mileage overage in a lease and it was paid and states satisfied on my CR. My questions are: 1....
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Discover Goodwill Denial Experience
I sent out Goodwill emails to the CEOs of Discover, Capital One, Home Depot and Wells Fargo in the middle of May. All 4 resulted in standard denials because they have to "report information...
View ArticleData Reporting of Deleted Tradelines
According to the e-Oscar website (the data furnishing system used by CRAs and Data Furnishers - OCs and CAs) when a Universal Databform is sent to update or delete a credit file "carbon copies are sent...
View ArticleComcast Executive
Can I dispute or should I debt validate to remove collection account when original creditor resolved the issues. I complained to Comcast regarding a bill they forward to collections alone with email...
View ArticleMy Equifax History just disappeared
The only things that reappeared are my current student loan consildated accounts. It says that there isn't enough data to generate a score! WHAT?! I mean it's cool if the medical collections disappear,...
View ArticleJust a few bad marks, how and what order should I tackle them?
It is July 2016, here is my current status.Wells Fargo Secured Card Opened May 2015: $300 limit, been maxed out for months. 100% on time payments.Capital One Secured Card Opened May 2015: $500 limit,...
View ArticleI have had a good 24 hours!!!
I feel like I am on a roll!!! In the last 24 hours.. Cap 1 QuickSilver CLI from 500-1500Kohls 300-700Approved for Home Depot 500 CL I thought I was doing so well I would take a shot at asking Amazon...
View ArticleAddicted to MyFico
I admit it....I am addicted to checking my score on MyFico! When I started 1-2 months ago, my Credit Karma scores were 619 TU & 614 EX. I had the following items on my credit report: Applied Bank...
View ArticleTU Score vs EQ, EX?
I've been noticing in people's sigs on here that TU scores can be higher than EQ or EX. So far, 8 months post-BK, TU is at 603, just updated, compared to EQ and EX being 663 and 668. Will TU catch up?...
View ArticleSecured Cards
I have 2 secured cards that I applied for last year and still have. They have $500 each in them. I now have 2 Capital One cards with close to $10k CL. Do I still need the 2 secured cards? They both...
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