Advice on debt settlement/ credit repair?
Hey folks, I had some financial issues back 2 1/2 years ago after I lost my job, and had an accident on my motorcycle. I wasnt able to make payments on my 5 credit cards, and unfortunately, my credit...
View ArticleAnyone Dealt with Financial Control Services in Waco, Tx?
I have a medical collections from 4 years ago on my credit report. Do they settle or PFD? Any tips? I did mail them a letter but haven't heard back yet...
View ArticleTu EE
Y'all just realized a FPB CO fell off in July from TU, due off in December and I got 0 points. 😩 They had updated as recently as June and I thought was a huge factor in my scores not shooting up past...
View ArticleUltimate guide to settling by professional debt negotiator
Hello everyoneI'm a professional negotiator at a major law firm in New York City specializing in credit card settlement. I've been doing this for a long time and thought I could help some people here....
View ArticleAffirm lending startup now reports to CRAs. Good or bad?
Hey guys, could someone more savvy then me try to figure out how Affirm would look on my credit report? https://www.affirm.com/faqs/As of August 2016, they report to the CRAs. What I want to know is:...
View ArticleCollections Error
A Collections Agency is reporting to the Bureas an account with my name but a different address and different SSN I filed a dispute but it's been weeks and it's still on my report and I haven't heard...
View ArticlePaying an old collection.
I have an old cable bill from another state on my credit report. I want to pay it, but I don't know who I should call. Do I just call the cable company directly? How long will it be before it comes off...
View Articlebank of america lawsuit
can one be sued in texas over credit card debt? i have a debt with bank of america that went into collection and after a while i received this letter from SCOTT & ASSOCIATES PC saying that they...
View ArticleFirst Premiere any weird things to know
I know everyone's opinion on it, but I am finally above 600 on all and starting to get the pre-approval offers. I have Credit One, I know it's bashed as well, but they immediately gave me $200 increase...
View ArticleCA Charging Interest
Hopefully a simple question. Can a CA charge interest on a debt that was simply assigned to them that they DO NOT own.Debt was power bill. I'm in ID and state law allows 12%/yr but I'm unsure if CA can...
View ArticleAnother Equifax Class Action Suit
Just received my notice (Jenkins vs EQ) which will pay 18 months of EQ Credit Watch Gold ($270 value) ehh. You may be a member of the settlement class in which theplaintiff's allege EQ violated FCRA by...
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Car Reposession - Options for Paying Deficiency
Hey everyone, So 3 years ago I got my car repossessed. The remaining balance after it was sold to auction is about $6,800. I'm just now reading and learning about how I can possibly be sued. I have...
View ArticleAccount Is Deemed As Uncollectible By The Creditor And Written Off As "Bad...
Should I still settle and pay?
View ArticleHelp!! Need Advice Please
Hello, I'm helping my mother build up her credit and right now, her fico 8 scores are 555-557-559.She has one card, a secured capital one that she received 6 months ago. It started at $200 and was...
View ArticleDid EE and disputes backfire?
I'm trying to raise my scores so we can buy a home in the next 6 months. In July my scores were 535-585 and now they have dropped over 100 points!I have student loans and two credit cards as active...
View ArticleAnyone had any recent luck removing Lates from ACS/Barclays Bank PLC
I have a few lates and trying to get removed. I was on deferrment and I didn't realize the deferrment was up and I had 4 lates before I realized it.
View ArticleWhere to start?
Recently signed up for the myfico credit monitoring and was shocked about high my scores actually are compared to what I was seeing on creditkarma. After that initial shock I was soon overwhelmed with...
View ArticleAre purchases required to generate updates?
I got nice increases on a couple of cards today. I initially called to get Amazon increased because UTI was killing me, I use the card alot. After approved for Amazon, I asked if he could see all of my...
View ArticleRepossession not showing on credit report?
I'm a little worried now... I had my car repossessed a few years ago and I owe a deficiency that I planned on paying in full within the next few months. It's not showing on my credit report (Credit...
View ArticleApp
BK was discharged. Went through my CR and made sure everything was reporting correctly. Applied for my first cc. Cap1 plat - declined (I knew it would I burned them in bk, but had to try because I know...
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