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Discover Secured again.
Pulled the trigger and applied today, long after the whole "everyone gets denied" thing.Well I was declined.Am I the only person who's been declined since they seemingly changed their terms?Feeling let...
View ArticleShould I Attempt to Get OC to Recall Charge-Off Amount or Attempt PFD With CA??
As title states, should I request the original creditors to recall the charge-off amounts if I can pay in full??The OCs are Credit One, Capital One, T-Mobile, and Wal-Mart CC. All acounts are no more...
View ArticleJobber's Log!
Hello all, I've decided that I'd like to finally tackle my credit issues and I hope to post my log here. Hell of a community. I have one question-- whats' the best place to get a copy of my credit...
View ArticleQuestion on 30 day lates
I have some 30 day lates on an old car loanIts through ally finacial. I was already shot down once and am wondering if there is really a concern with even sending another. Although it would be nice to...
View ArticleCapital One PC/Upgrade
Hi all, I am almost 18 months out of BK 7 (filed 3/2014 discharged 7/3/2014). I have an installment loan (car) with satisfactory payment history and I have two Capital One cards that I opened in July...
View ArticleHas anyone here had a great experience with a credit repair company?
Most credit repair companies have a slew of horror stories on bbb.org, ripoff report, pissed consumer, consumer affairs, complaints board etc. from people who paid a credit repair company for months or...
View ArticleSuccess!
August, 2015: TU: 15 unpaid medical collections.ALL 3: 4 OC chargeoffs, 2 AU chargeoffs, 2 junk debt buyer collections. February, 2016: TU: 1 paid medical collectionEQ: 1 JDB collection (falls off...
View ArticleDiscover Student Loans contact for GW letter
Does anyone have a good contact to send a goodwill letter regarding student loans with discover? Thanks in advance.
View ArticleDeficiency Decision on Auto Loan
Hi guys I am in a bit of a situation. I will try and explain the best I can below. Please let me know what you think would be the best option. So about 5 years ago was a hard time in my life. I...
View ArticleMiracles do happen!!! Bank of America GW Deletion!
I could not wait to get online and share the news of the letter i received from BoA today! Backround: I was late on payments on my secure card with BoA during a pretty tough time when our newborn was...
View ArticleNew to credit building. Help please.
Hello all, I have been lurking on the forums for a few weeks and decided to get a membership here due to the wealth of information. I appreciate everyone on these forums as we all shoot for success....
View ArticleSo Discouraged :(
I have a friend who is a realtor. He told me about an awesome lender he has...and that, if your credit score is in decent range they work with you over a period of time to get it to the right place in...
View ArticleMYFICO FAM! Lets play a game :)
Purely for fun, using any fico/vantage scoring system you use to monitor your progress. Lets post a brag board!!!We are all working very hard to rebuild or improve our reports, and for some of us its...
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Laughable response from Midland Credit!
I thought you guys needed a laugh. So I sent a Goodwill letter to Midland Credit to remove a collection from my Credit Report that is almost 7 years old and due to fall off in less than 9 months. Here...
View ArticleTransunion Dispute Issue
I filed a dispute with Transunion yesterday. When I try to log in to check status it tells me they can not currently show me my report because I have an open dispute. Last time I disputed something I...
View ArticleCapital One CLI!! Thanks Norman!!
Hubby just got approved for a $1000 CLI on both his Cap1 cards. So far this month he has gotten this, his Cap1 platinum upgraded to QS, 650 increase on his Walmart card, and 200 on his Overstock card.
View ArticleWhat else can I do to improve my credit?
I am 29 years old and finally just realized that having good credit is important. I would love to own a home, have the income for it but not the credit score. My scores are as follow TU 572, Equifax...
View ArticleHow can I improve my credit scores?
I started trying to improve my credit in June 2012. I just disputed an account from ERC on Feb 5 and the account was deleted from Equifax and Experian credit reports. I now have clean credit reports....
View ArticleHow I got University of Phoenix collections off my credit
Hi there, i just wanted to write about a recent experience I had in getting a University of Phoenix charge-off, off of my credit report in less than 30 days. I had attended the UofP from 2012-2014 and...
View ArticleMidland took over a judgement..need input
nov 2007 got judgement placed.... no matter what I tried they would not work with me, want 6 payments period. So I gave up and kept letting them waste postage :-) Its not on my credit report ( had it...
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