Some Success!
Was able to get my one and only collection PFD yesterday as well as a few 30 days late from last year... All that is left is my one 30 day late from Wells Fargo Dealer Services... So far no luck! Why...
View ArticleYear 1 down, I think rebuilding is working.
I hit February 2015 with a 6-month old used car loan at 12% and some freshly rehabbed student loans with scores in the 570's.Including secured cards, I have opened about 35 new accounts, including a...
View ArticleDOLP on Bought/Transfered Accounts
Quick question: I had a foreclosure with Citi that my first DOLP was 6/09. That account was transfered to Seterus who picks up late payments in 2011-2013 but now shows closed (with a balance of $199K...
View ArticleFirst Premier Bank CO Question
My husband had a FPB card and we settled with First Premier Bank. One his EQ report is says $0 balance placed for collections and then in the comments it says Settlement accepted on this account....
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Capital One Secured !!!
Ok ... just got my little baby in the mail last night - she's so cute & plastic lol.... (took 3 weeks since I applied) I only have a $200 limit & am using for the purpose of rebuilding&...
View ArticleWill paying on my charged off auto make a difference to my credit score?
Hi. I need help in deciding what to do about a charged off auto loan that occured in August of 2015. I was having a hard time making payments and I tried everything including a part time job to be able...
View ArticleMedical Bills - advice needed
I have been working hard on getting my credit report in better shape but have hit a serious wall in regards to improving my credit score and it pertains to medical collections. I have over $5500 in...
View ArticleNew baddie not mine
When I first started getting my things back in order, I had an account listed from AFNI on behalf of DISH Network for $449 on all 3 reports. It wasn't mine and I disputed it and all 3 removed it....
View ArticleNeed Recommendation on Credit Service,,,
HI- Brand new here and I'm rtaying to fix my credit. I've read a lot of mixed reviews about LexingtonLaw but basically I need a reputatble service to help get a few tihngs resolved, namely a credit...
View ArticleCredit One...Removed
Got an alert...from CKCO was removed from my TU CR this is...OMG GREAT!!! I believe it has also been removed EX CR! With all the drama with the CA about this it's still being removed.
View ArticleForclosure falls off early
Had a forclosure 6 years ago it has already dropped of credit (about 4 months ago) . Has anyone else had this happen ? I'm just worried bank will report again- looking to buy a home again and finally...
View ArticlePaying a 6 year old charge off!!
I posted on this forum last week asking about whether paying an old charge off will hurt or help my credit score, and the concensus was that it could possible hurt in the short-term but def help in the...
View ArticleDoes contacting a collections agency restart the clock?
Hi!I just began to work on rebuilding my credit as I prepare to buy a home. I am currently working with a credit counselor who works for the home builder I am planning on purchasing a home from. The...
View ArticleDrop off dates and suggestions..
Well I just received my free credit from Experian . The only way to go as free credit reports have drop off dates from 2 credit Bureau. My largest Baddy is listed by Experian in the following manner. "...
View ArticleHunter Warfield offered a settlement
I am looking to buy a house in the next 12 months. I have an outstanding debt (valid) with Hunter Warfield. It's an old debt that should fall off in December 2017. The debt is $1742 and I've been...
View ArticleTransunion Early exclusion question
Hi everyone. So I have two baddies scheduled to fall off 10-16 for all three CRA. However I really need them off transunion . From what I have read I can ask for a EE in April- so 6 months early. What...
View ArticleAmex judgement!
I called American Express today to try to start paying on a old judgement and they have no record of it! The lady said I needed to call the courthouse. Can I dispute it? What should I do?
View ArticleConflicting Info
Hey all, I have a TL from Cap1 that was charged off and on my TU report, in the remarks field, it says both closed by consumer and closed by grantor. Is this something that I could potentially be able...
View ArticleDifferent CAs, same account/debt??
So on my report, I have two smaller collections that I could pay ... would probably request a PFD. But the CRA is different from my TU to my EQ. I could pay these, but how do I figure out who to pay?
View ArticleEnhanced Recovery
Old T-mobile bill from 2012. Balance of $31 Enhanced recovery will not delete with payment. $31...! what should I do next, just pay and let it update on my report to paid in full or let the account sit...
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