Grand Announcement!
I am officially in the 600 Club with EXPERIAN! A disputed collection was deleted WOOHOO! I'm sitting at 627!!!
View ArticleEE Question
Last week I had some success in gettin a couple of old baddies EEd with TU. I received an updated copy of my credit report with them in mail yesterday and noticed that my student loans all have an old...
View ArticleQuick Question Regarding Myfico Simulator.
According to the simulator on my 3B report, if I pay off my balance of $457 on my CC which was closed but I'm still making payments on, that my score will go up about 20pts accross the board. How...
View ArticleRebuilding score - debts paid
I'm new here but have a few questions. In December of 15 I pulled my credit report for the first time in advance of wanting to purchase a home. I had several collections accounts and two charge offs....
View ArticleVerifying Judgments/Garnishments
My wife and I are in the process of fixing our credit and we want to ensure nothing is hanging over our heads while we do it. We've received various notices from creditors about "possible wage...
View ArticleANOTHER GW SUCCESS!!!
Got a letter in the mail yesterday from another student loan provider I had. I had 3 accounts with them and in March and April of 2013, I had 30 day lates reported. They removed the lates from all 3...
View Articlereally weird situation that screwed up my credit
I had a 39 month auto lease with INFINITI (NISSAN)I ENROLLED in autopay from day one.5 months into the lease the local tax rate switched from 7.5% to 8%.All the lease payments up to 37 months still...
View ArticleMidland...Oh how I dread you
I've had a collections with Midland since 1/13 for $650, which still has a year left before SOL. I received a "preapproved" letter from them to pay them 40% which is about $400 with the deadline set to...
View ArticleCap 1 not budging...ugh!
I thought Cap 1 would be an easy company to get to GW, boy was i wrong. They continue to flat out deny request after request. I send an email once a month, as well as letters. I recently paid a $2200...
View ArticleFirst Premier Bank Removal Method....
Hi Everyone, I am working on my girlfriend's credit reports, and she has two Firs Premier Bank credit card accounts that she opened in 2009, and that got charged off in 2011. I remember reading on...
View ArticleWhy pay collections?
What's the point of paying Collections, if the original creditor remians on file as closed or charged off for 7.5 years?
View ArticleQuestion RE: Judgement & Public Records Search
I have a judgement that was filed in 2010 from Citibank and it was never paid. It is still on my reports but I just realized that it no longer shows up on a public records search. I search my county...
View Article"Updating" collections
I have a collection on my account and I want to know about it updating. It's scheduled to come off this summer. It shows it's been updating every month. My question is will my scores REALLY improve...
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GW Letter gone WRONG!
Sooo...I posted about a week ago about my credit union updating my reports and removing my late payments. Well, during my daily EQ credit report check today, I noticed that although they removed the...
View ArticleFinally all in 600! WOOT!
My TU and EX have been hovering around 620-630 for months but EQ was always no higher than 595. Drove me nuts because everyone seemed to want to pull EQ. I hit 600 on the nose today with one of my...
View ArticleUnsecured Credit Card - Capital One, need help!
Hi all. My chapter 13 was discharged on 9/23/2015, I was able to purchase a new car 2/6/2016 from Ford (interest rate 5.5% - Wells Fargo Auto Finance is who financed my car), last night I received a...
View ArticleSecured cc for a 536 tu with credit cards in collection
Hello everyone, I'm just curious if there is a decent secured card I may get approved for. I'm trying to rebuild, all I got is being secondary on a car loan and student loans and au on my girlfriend's...
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Back to the garden I go...
I guess I was feeling myself a little too much! {sigh} Stepped out of the garden, not mad because now I have all the cards on my wish list. Tried for a couple others and wasted the hard pulls (dang!)...
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