Closing Capone secured?
I really want to close this card bc I got it 5 moths ago when my scored were around 450. They are all now around 590-600 and I got a qs1 and discover secured. I tried to get the regular platinum and...
View ArticleGood news bad news???
So I went to my local CU today to enquire about a debt consolidation loan... the good news is that they approved me for 15000 at 10 percent (as opposed to the 20-30 percent I'm paying now). The bad...
View ArticleDOFD, CA, FCRA Questions
Hi SummaryFIA / BofA Visa14,000.00 CL1995, date opened10/2010, last payment06/2011, charged off06/13, placed for collection - calvary portfolio11/17 due to come off reportsFIA / BofA is not listed...
View ArticleNewly discovered tax lien - 26 points forward, 24 points back
I just discovered that the state of Maryland filed a lien against me in November 2015. I have not lived in MD since March 2011, the lien is apparently from 2010. I never received a notice that a lien...
View ArticleU.S Bank Charge-off
Does anyone have any (recent) contact information for U.S Bank? Trying to help someone send off a goodwill letter for a charge-off they just paid off.
View ArticleBOA app pending further review
I applied for BOA credit card 3 months ago and instant denial. Reapplied tonight and got pending that app required further review. Is this a denial also. Scores have improved since first app and all...
View ArticleCredit Check Total
I made the decision today to cancel my subscription here at myFICO and signed up for CreditCheck Total since they also offer FICO scores and I would have access to a weekly credit report rather than...
View ArticleClosed Capital One with missed payments.
Hey all, So I don't typically check my credit that often but here I am because I'm curious if this account is worth contacting Capital One over. This was my first credit card and if I remember...
View ArticleOne bureau deleted tradelines... how can I make the other two?
Hi,Been lurking on the forums for a while, and recently been trying to clear up my credit. Disputed a couple of old COs with Experian that were set to fall off this August – asked if they would delete...
View ArticleGW letters and PFD questions
Can PFD's be done over the phone or should it be in writing? Also do GW letters apply to collections AND negative items? I have a few accounts reporting negatively that have all been closed (not...
View ArticleUpdated charge off caused 30 point decrease
So I disputed an old charge off (local loan company) as "obsolete" as recommended by a myfico member. After 30 days, the balance was updated to show the $510 ($200 plus accrued interest)....
View ArticleOpinions on dispute method - mail or online?
I typed out a letter to each CRA outlining my disputes. I know there is an option to dispute on-line and upload documentation. Originally I was going to send it via priority mail, but I am now...
View ArticleDo paid charge-offs and collections impact scores less?
So, I'm basically all set to pay off all of the unpaid collections and charge-offs on my reports (there are just a few of them), and will first try to PFD all of them, but if the PFD fails, as I assume...
View ArticleQuestion ... paying recent debts versus paying old debts
So I'm making a plan to pay off collections (ideally PFD but we'll see). I have a bill with a DoFD of 4/15. The others are from 2013 and earlier. Is it generally better to pay off more recent debts...
View ArticleDOFD is it worth it?
So I was looking over my free reports that i just received for each CRA and i noticed a chargeoff which is killing my utiliation has a different DOFD on each report and i am dying to get this out of my...
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Delinquent Student Loan Fell Off!
I defaulted on a private student loan while I was still in school back in 2009. It was a private loan by Loan to Learn (Educap) with the original amount of $22,000 and they were impossible to deal with...
View ArticleNeed Expert credit advice on my report
I would like to see if someone could help me and guide me in the right direction. Im trying to get my credit going in the right directionMy report is from Equifax Negative Accounts Accounts that...
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