Selling car kills score??
Good evening all, quick question. I am selling my car about 8 months shy of the full 54 month term, I have never been late on the account always on time, I have learned that your score will or can take...
View ArticleSelling car early and score
Quick question. If I sell my car a year shy of the full 54 month term will it drop my score? I have never missed or been late on a payment, but i'm a little worried it will tank my score not going full...
View ArticleBarclay's Confusing Goodwill
I wrote Barclay Card a goodwill letter requesting they remove the most recent and only late payments from both of my cards and they wrote back hinting that they would, but to me to write to their...
View ArticleRebuilding complete!
After the death of my spouse, I was in a sorry state. Depressed, sad...and I let everything pile up. My credit score fell to 500! With the help and guidance of the caring members of this forum, I am...
View Articletax liens on inherited property from before I turned 18
So my birth mother died when I was 7. I inherited property at that time. My adopted was responsible for the property until I turned 18. Come to find out the tax payments were late on the properties for...
View ArticleIs this a PFD success? Confused by new report
Hello!So here's my dilemma.I had 3 medical collections from 2010. Total was about $900.All with Vanguard collections.I sent PFD letters March 10 stating that I would pay a percentage for deletion.Have...
View ArticleNeed phone numbers for Experian, TU, and Equifax
Ugh. My phone broke and I lost my numbers! I had all 3 numbers saved (and the good ones where a rep picked up right away). So sad. So, if you have the right numbers, I would really appreciate it. I do...
View Articlereporting payments accurately on report
ok, so im disecting my my reports looking for inaccuracies. i had a credit one card go to collection in late 2011. on TU it has no payment history. On EQ only the late payments show and on EX has a few...
View Articlesecured cards and authorized users
So I know have 3 secured cards, Discover it $200 (still waiting for them to mail it).A WF of $300A Capital One for $200 Can my fiance add on as an authorized user? Do they even offer this? He's...
View ArticleCAs and Soft Pulls
For the last 12 months I have been focused on getting my credit cleaned up. An area that I just started looking at is what I think are soft pulls. These are the inquiries that are said to be only seen...
View ArticlePersonal Statement - Good or Bad?
Your credit report allows for a personal statement. Can this be removed? I fear I may had debt I am unaware of and thought about posting something like "Please contact me directly if you feel I have a...
View ArticleAccount Reporting Description
New CC account was added to EQ and EX today. I noticed the descriptions varies for both CRA. EQ is reporting as a revolving account, but in the description it says type of loan: "yes", under EX...
View ArticleThe truth about inquiries, hard pulls . . .
Ok, so I have gotten conflicting info on how bad inquiries/hard pulls really are if you are in rebuilding mode. I have been told it doesn't matter, you are rebuilding, it's part of the process. But I...
View ArticleShould I apply for the Capital One cards I was Prequalified for
12 Months ago I had 28 derogs. Today I am down to 16 with 5 charge offs that I will have paid off by May 15th. It's been a long road. I plan on sending countless goodwill letters where I have derogs...
View ArticleEquifax update after EE
Once EQ grants an EE how long does it take the removal to reflect on your report? TU was removed immediately when requested because I checked my report shortly after getting off the phone with them and...
View ArticleCharge off/Repo
Hi everyone. I have a charge off on my credit report from a car that was repo'd in 2009 from Santander. My credit reports state that my last payment was September 2012. That is not true. My last...
View ArticleCap One App
How long after having the Cap One secures card should I try for the platinum and QS1? Cap one secured not yet reporting but just curious how long it took to get approved. I had applied for Plat but was...
View ArticleNeed some advice for Wells Fargo and Ashley Furniture
Alright, after months of working on this I'm down to only 2 baddies. Both are 4 years old. One is Wells Fargo charge off of $124 for an old credit line I had with them. The other is a $1600 account...
View ArticleTricky Repo / 3 collections!!
Anyone have success with ford motor credit?I have a redeemed repossession that is from about 2 years ago. They came and took the car. I paid a big fee, got the car back. Long story short. The last two...
View ArticleRemoved collections/ maxed out cards
I had a collection removed that was reporting a balance each month since 2012, and an old medical collection that was placed on my credit report removed. Although, one of my cards report at 141% maxed...
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