Fico/Mortgage Scores
Hello. I don't know if anyone can answer this question but hopefully someone can help clarify.. My question is.. When I first pulled mine and my husbands Fico/mortgage scores My Fico 8 scores were...
View ArticleWhen did you close your fingerhut account?
I have had a fingerhut account for 8 months now it will be a year in November and have only used it twice. I really don't care for it but it is a great rebuilder option. Just wanted to know from you...
View ArticleWells Fargo PFD or Settle
I have an old Wells Fargo retail (furniture) charge off for around $900. WF still owns the debt. The SOL expires in Oct. They mailed me a settlement offer for around $250. They call me at least 3 times...
View ArticleCap 1 secured credit limit increase!
Hello all, I have a capital one secured visa with a $200.00 limit on it. Ive had the card for about 6 months and I woke up yesterday and seen a 300 limit increase. I want to inform everyone that...
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Can BOA do this?
I had a secured card with BOA back in 2008 that I treated very well. My family hit on hard times starting in late 2012 and the card waspushed to the side and was in turn closed in 2013. It was listed...
View ArticleHow many disputes can I request?
How many online dispute / EE requests can I make for each bureau? The reason I ask this is because I have requested either EE or account status changes / updates at least twice this year from each CB....
View ArticleRepo/ Judgment Question
I had a repo on a car from Credit Acceptance in 2014 that is still showing a balance of $10, 500 on my credit report. Credit Acceptance took me to court and we settled at judgment for $8k that I'm...
View Article700 club!
I finally hit over 700 credit score. My FICO from Discover card gave me the update. I'm so excited after a year of rebuilding.
View ArticleImpact time for negative scores
I know negative items on credit say for 7 -10yrs, I also know negtative marks lose impact on credit over time. Does anyone have a good estimate/guess how long before negative item begin to lose serious...
View ArticleJust closed hubby's Credit One card!!
They tried to talk me into keeping it open until next month probably so the can start charging the monthly fee. The CSR also said that the card wasn't due to be reported to the CRAs until then because...
View ArticleReply to CFPB complaint
So back with a previous bank I used to bank with, I had opted out of over drafting and yet the still continued to let things get approved when they shouldn't have. I had tried to work with them on it...
View Articlereturned to the US after living abroad and cannot obtain my credit score.
I did not leave the country on good terms. Had one outstanding credit card "its been so long, I cannot even recall who it was". I went to do a credit check and at least one national credit card form...
View ArticleUTI AT 0% one day left
Damm it my statement closes tomorrow and there's is only a $2 balance. If I use card right now the charge will be pending prolly 2 days. Will a purchase today with that charge pending count for today...
View ArticleNew Collection Just Hit Credit - What do I do first?
I was just notified by myfico that a new collection has hit my husband's credit report and resulted in a 31 point decrease. He has received no phone calls, emails, letters - nothing about this...
View Article700 posing with a CO
I have 3 new CC and 1 PIF CO is it possible to get 700 score with that profile? Current UTI is at 2%
View ArticleVerifcaiton or Validation
I received a letter from a CA. Do I send a debt validation or a debt verification back? I'm so confused on which one to send. I've been reading and it's clear as mud to me right now.
View ArticleI'm nearly ready to strike. I could use a little input.
I have 4 credit cards I was not able to pay from about 4 years ago. 3 of them have gone to Midland Credit Management. Ball-park figures on the debt is $5,000, $1,200, and $1,200 for a total of $7,400....
View ArticleMidland Email for GW
If anybody has a good email address to send a GW request to Midland Funding could you please PM it to me?
View ArticleJudgment questions-Please help
I've been working on clearing up my credit report and trying to pay back old credit cards. I saw one judgment on TU and EQ reports and when I finally got my EX files merged, there were two on there. I...
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