Removed collection
any help? I've recently paid off and removed all of my past due collection accounts and went from 585 to 710, one collection I haven't paid is a repo because I have to figure out what I can afford to...
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YAY! Closed Merrick Visa TODAY!!!!
Hi everyone! I missed you all! LOL! I wanted to update that this morning I called Merrick Bank to close my $1,200 limit Visa with zero balance, BEFORE they stick $79 annual fee in couple weeks! Also...
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What's better for your credit when paying off installment loans?
I'm new to the forums so I hope I'm doing this right! I'd like to apply for a mortgage within the next 12 months and my credit score needs a lot of love. I have 2 credit cards, one retail, and the...
View ArticleDv or pfd?
I'm new here and I have a lot of workids to improve my scores. My question for you pros out there is it better to start with a dv letter or a pfd letter to remove my baddies?
View ArticleEarly deletion success!!!!
Got 6 baddies wiped off my Transunion report 6 months early, and my score went from 664 to 704!! All I have is 2-3 late payments from a car loan 4 years ago and everything else is perfect! Now I just...
View ArticleBack in with Capital One
It's been a long journey these last 5 years or so. My scores were good enough to grab a QS vs QS1. I actually get a $100 bonus after $500 spending over 90 days. I like. Small SL of $1000 but I can grow...
View ArticleShould I get an unsecured credit card?
I have been hovering around 6:30 fico for the past year. I have two negatives from hospital bills that are about 50 months old. I only have one secured capitol one credit card that I use every month....
View ArticleDv response- now what?
I have a collection on my credit report for a dentist which I believe I have paid. I've moved several times due to a divorce and don't have any records proving it. I sent a dv letter to the ca and...
View ArticleHelp with three Collection Accounts
I have come into enough money to hopefully settle three accounts I have in chargeoff/collection status. I am to the point I would just like to settle them, have them done, and then hope for goodwill...
View ArticleHIPPA process
I’m new to the forum and have several outstanding medical debts that have been sent to collection. I am interested in using the HIPPA process to pay the original creditor and have to accounts deleted...
View ArticleAfter reading and reading, I thought I had it straight, but maybe not so much.
After reading and reading, I thought I had it straight, but maybe not so much.I am looking to refinance my mortgage very soon.Need to decide what to do about a derog from Verizon.My questions are...
View ArticlePast 7 years Removing Baddies
I have waited my 7 years to get some 4 delinquent accounts off my credit report. All four of them went bad October 2009, and have been since cleaned up and paid off. I've taken my lashing, and have...
View ArticleDoes the Shadow of chapter 7 Still follow you?
Long ago, about maybe 7 years ago, I did chapter 7, could not pay my debts for being stupid and not having the knowledge I have now, but in my story I dont know why that shadow of chapter 7 still...
View ArticleCollection from MLR Solutions aka Mainline Recovery - Any PFD Success Stories?
I was just made aware of a collection with this agency...It seems that my ex hubby was throwing away my mail so I had NO clue about this debt! At any rate, I've done too well with rebuilding to allow...
View ArticleHelp With Debt Validation Process
Hey Gang. Im currently trying to help someone out with removing some collection accounts from their credit report. Ive read over a few debt validation posts and Im trying to apply that method. For the...
View ArticleDifferent amounts
Set up a payment plan for 2 collections for Lvnv funding for 2 collections , paid one payment on each last month. Had couple hundred extra dollars so decided that I would put it on the smallest well I...
View Articleremembering the past
As I come up on 2 years of abstinence from gambling and overspending, I looked at my past and the damage I did. In 2010 I had over $70,000 in credit card debt, countless 120 day late payments,...
View ArticleWhen it rain, it pours!
Ive been rebuilding my credit for 2 years. Today, I wake up to find out my Experian Fico Score dropped 22 points. Here is the story: I have a car financed thru United Federal Credit Union. A few...
View ArticleTax Lien Removed
My Experian report was showing a tax lien while my other two reports weren't. I disputed the lien and it was removed. I thought this would have caused an increase in my score but it actually went down...
View ArticleSeeing Light at the end of the tunnel +47 TU Increased!
I'm just so excited! I just got one major collection (most recent one) deleted from my credit report and my score soar to +47 on TU and +13 on EX I dont know yet on EQ because it still not showing an...
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