Discrepancy
So I just went through my reports for all the CRA's.I noticed that I had a CO from Wells Fargo from 2011. In my report from EQ and TU it shows 0 late payments for any accounts within the last 7 years...
View ArticleHow to handle charge offs
Hello all, I am in a position where i would like to start handling a couple of charge offs. I cannot pay all thre at once but can definately have them paid off in two months. two of the charge offs...
View ArticleNFCU Membership
Got my welcome email today. Joining NLUS-SanDiego worked as a member organization. Glad to have qualified for membership. We try for credit products either December or January.
View ArticleSecured Cards for sub 500 score
My friend has a really poor score of 460 and would like to start rebuilding.Any secured cards that would approve him? (Aside from CapOne because he burned them 5 years ago)
View ArticleAccount sent to AmSher Collections
Hi, I'm new here. I've read a few other posts having to deal with this collection agency, and have noticed how shady this company can be. Unfortunately, I started research a bit too late, as I have...
View ArticleOne of my scores say Good credit for the first time!!
For the first time ever I have, a credit score that say GOOD!!!I started repairing in February with EQ: 481, TU: 470 and EX: 474Today my scores are TU: 679, EX: 636, and EQ 626 with anticipation of...
View ArticleIncrease credit worthiness?
My husband and I are trying to get our first mortgage. It's not going very well at all.Our current residence isn't going to be an option in 3 months or less.We have been turned down by USDA because he...
View Articlereset status of limitation
I have collections on my account that were accounts included in my banruptcy. If I dispute as "included in bankruptcy" will that reset my statue of limitation since I am admitting it is my account?
View ArticleRemoved Collections still showing on report and credit score dropped?
Long story short, i've been helping my wife clean up her last old collections on her account and I was able to get a couple removed. Situation 1: An old account from 2007 was removed from EQ and EX,...
View ArticleMedical Debt, received response, now how to proceed?
I had gotten a collection letter from Gragil Associates about a month ago. I sent out a DV letter, asking them to provide me with multiple things, including any collection costs and medical costs, date...
View ArticleSome Progress
I came to this site at the beginning of summer, with one card $5K CL with 69% util and 8 unpaid medical collections. Since then… (4) of the collections have been paid/deleted (3) paid and closed...
View ArticleFinancial Bottom
Hello Everyone, I come to this forum to get advise, as I have to recover from terrible circumstances, so please help me. In 2008 being a co-signer on business loans with my parents, crisis hit, my...
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I'm about to throw in the towel!!
I don't know where to begin and how to resolve this.... I have been on rebuilding my credit exactly a year now and have managed to increase my scores from the low 400's and last week was borderline at...
View ArticleOne FICO8 just came in above 760 - I'm home free! Thanks, Elders!
Wow! I'm super excited and my friends are all like "whatevs" but my TU score just went above 760 for the first time probably in AF (Actually Forever), mainly due to the Elders advising me on this...
View ArticleClose Maxed Out Cards
Can i close a maxed out card?I have 2 30-day lates from First Premier even after I enrolled in their hardship program and am making $44 a month for the last 2 months.I don't really know what to do and...
View ArticleCapital one credit steps graduation CLI
I just woke up this morning and checked all of my accounts (I do every morning, to check for fraud) and I noticed my available credit was $500 higher this morning on my quicksilver card.Here is data...
View ArticleLast CO account...Would settling it boost my score?
Have a CO account... DOFD 12/2011 and CO on 11/12. Have been paying monthly through a collection law firm but it's only reported as CO and not collections. Would I benefit from paying this off early?...
View Articlerebuilding credit issues to get auto approval - HELP!!
Hi everyone, I'm not sure where to post this but since I am currently in the market for a "new to me" car I thought I'd try this board first : )I've had my current vehicle for over 11 years now and I'm...
View ArticleDiscover it finally said yes to me!!!
Last night I applied for Discover while chatting with a representative. I was very hesitant since I know that they pull Equifax in NYC and I was declined twice this year. I went ahead and applied and...
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Quick question about OC still reporting balances...
First of all~~thank YOU to everyone in this forum! I have successfully GW several accounts off of mine & my husbands credit. We were amazed it worked My question--I have 2 accounts on my report...
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