Options on debt programs?
Alright so I've been on one end of the spectrum to the next. I wont go into a huge backstory but I've accumulated a large amount of revolving credit card debt mostly due to medical bills that I put on...
View ArticleHelp ASAP!
So filed and CFPB complaint against a collections agency for violations of my state's laws about a month ago and a week later they replied and said they would be removing themselves from my CR and...
View ArticleShopping cart trick actually worked!!!
Ive had ZERO luck with the SCT until tonight. I was complaining about it on the forums and said let me see this time and boom. One for NY& Co and Ann Taylor.
View ArticleAAOA and AUs?
I learned that AmEx stopped backdating last year. Are there any cards that still backdate for AUs? I'm needing some serious age on my accounts and my parents might be willing to add me for a little while.
View ArticleAnyone have bad credit so long it feels like part of your identity?
I've been Lisa, who deals with the consequences of a score in the 500s, for SO long. It feels odd took be Lisa, whose credit doesn't stuck so hard and 700 is close enough to reach out and touch now. I...
View ArticleNelnet Contact Info
Hello, I know I'm posting a lot, but I have a lot of eggs in my basket. I'd like to start sending out GW letters to Nelnet regarding my lates (which are very recent, but it's never bad to try)....
View ArticleRecent tiny late payment on utility account plunged credit score
I live in Chicago and the local Gas company reports on Equifax and Transunion. I recently moved and when I set up the new account I thought had it on autopayment, but appparently never set it up. At...
View ArticleOuch...burned by Comenity
Hey all, i've followed these forums awhile and just wanted to share my recent experience. I messed up my credit a few years ago, got several cards charged off, nothing really good in my name. i was...
View ArticleIs Chase forgiving?
I use to have a Chase Slate card in 2011 but it has since been "Charged-off." It still reports on my report as unpaid balance and I was wondering if Chase is forgiving if I were to apply for another...
View ArticleVictory! Got My First Credit Approval! Now What?
I've been posting here over the last several months chronicling my progress in rebuilding my credit. I started out with three secure cards at $200 each (for a total credit line of $600). Over the...
View ArticleFirst of many questions
Hello again, As I stated in my introduction post. I have a capital one secured credit card opened in July with $1000.00, a US Bank Harley Davidson secured card opened in July also with $1000.00,...
View ArticleFDOD question
I have 6 items with a first date of delinquency date of3/2010 2 items04/2010 2 items05/201006/2010 will these fall off automatically in these months next year or is there something I can do before then...
View ArticleHot Diggady Dang NFCU auto refinance!
Holy crap Batman! I joined various credit unions in hopes of getting my truck loan from Bay Country refinanced through one of them. I joined Navy Fed 8 months ago, SDFCU couple weeks ago, USAA...
View ArticleLetter from OC, charge off, what does it mean?
I received a letter from OC that read as follows: "Thank you fro contacting us regarding the above referenced account issued by *******. We have been unable to contact you by phone regarding concerns...
View ArticleVerification and they are coming back saying they have been flagged as...
Verification and they are coming back saying they have been flagged as collections. I disputed several collections that were on my credit reports. They have all been "updated" and alerts are going...
View ArticleAdvice on credit repair options! PLEASE
I need to know what is the best way to go to try and remove these irresponsible unpaid adverse accounts on my report or do I have to wait until they go away in years from now? Is there hope? Will I...
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aes student loan lates...help
Hello Everyone I have one student loan late (60 days) reporting in july 2014..this loan is now closed as i consolidated to another company. i have tried to get them to remove the lates. i did the...
View ArticleComcast Collection- Mysteriously removed- now added as new
Hello! I have an old bill with Comcast for $270. It was removed from all 3 of my bureas at different times throughout the summer. Just added today as new on Experian and dropped my score 4 points. Does...
View ArticleWhen will an AU show up
So my fiancé added me as an AU on 4 cards about a month ago all statements have cycled and the only one showing up on my CR is from Macy's.The other 3 are:WFChaseChaseAny idea how long it takes for it...
View ArticleHow to find collection agency
I have a little 10 dollar collection that I wanted to pay so it didn't get reported and my moron boyfriend threw out the letter (IT WAS ON THE FRIDGE!) How do i find out the agency?
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