"Dead in the Middle" (3.75 years in, 3.75 years left) - Advice?
So perhaps the title may seem a bit confusing. I went through a horrific time in 2012-2013 where my credit card debt whooped my butt due to a layoff. I have 10 chargeoffs, 7 good accounts (one open...
View ArticleCapital one CLI request
Hi all, I have a capital one quick silver one credit card for three months. My third statement got generated yesterday. Just one day before my statement got generated, i requested cli but still got...
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Another one bites the dust - Plains Commerce Bank deletion
So, this is the second deletion letter I have recieved in two days! I sent a slew of gw letters and pfd letters in the middle of last month. This deletion letter I recieved today was from Total...
View ArticleDiscover Secured question
Feeling emboldened by a couple very unexpected high-ish limit CC approvals the past couple days, I decided to waste a HP (I alloted myself 5 initially to start my rebuild process, only used 2 so far)...
View ArticleOpen Derogatory vs. Closed Derogatory?
I use Credit Karma just for acct viewing only I don't follow the Vantage scores too closely. So today my CK updates and a repo that was listed as "open-derogatory" (as well as charged off) has been...
View ArticleDispute Notation in Remarks
If the Remarks/ Additional Information section has "customer disputes this account" in a tradeline on a credit report, is tradeline included in the FICO calculation? What are the potential...
View ArticleAnybody know executive emails for Portfolio Recovery?
Searched the internet...thought I had hit the jackpot when I found the CEO's email address, but I did not. It came back as return to sender. Anybody have any luck contacting anybody with Portfolio in...
View ArticleCollection Removal
If I pay the original creditor, is the collection required to be removed?
View ArticleOptions for dealing with last 2 collections on EQ prior to Mortgage application
I currently have a clean report except for 2 collections for old student loans on EQ. I recently disputed these and they came back as valid, but EQ deleted the payment history. (not sure if that's good...
View ArticleWhere to get started
I'm looking for some guidance on where to get started. We are currently focusing on raising my husband's score. We have been working on this since 2010 when his score was 404. We've had some...
View ArticlePFD-Collection-CBE
I have a collection for an account that just went into collections in Fall of 2015. I just got a collections letter in the mail. The total amount of the orginal bill and what the CA is asking for...
View Articlepoor credit score and house buying
HiI have a credit card in collection for more than five years (original default is more than five years ago). Despite of that, now I'm about to buy a house but I'm concerned because not sure if the...
View ArticleGot my first 700!!! :D
Hey guys! I am super stoked. I just got my first 700-- 718 actually! I don't think I have EVER had a 700 credit score. I can't wait until EQ and EXP updates my score due to 2 collections being removed....
View ArticleDoes capital one balance chase?
Does anyone know if capital one balance chases? I have carried a balance on a card for over a year, but now that I am able to pay it off I'm worried that they will decrease my credit limit...
View ArticleOne more collection and all my reports will be clean!!!!
I have one Medical Collection for $70 left on my Equifax report, I'm pretty sure this collection isn't mine seeing is I haven't been to the Dr in quite some time, but when i dispute the account it...
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Help Rebuilding-Charge off and Collections
I will be applying for a mortgage this year soon as my middle FICO score is 680+ (prefably 720) and/or I save up more money for the down payment. Currently scores are EQ 671 TU 679 EX 655. I would like...
View ArticleApplying for credit all at once, since car loan
Hello all,I am new to the site. I've always read on the forums as a guest, then, finally signed up. Guess I was just scared. Of what? No idea. Anyways, I've rebuilt my credit from a 489 to a 663 within...
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