Removed collections
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...
View ArticleForeclosure Judgement
We recently began the journey to buy another home (five years post foreclosure). We are self-employed and doing a USDA loan- so it has been quite the ride. Yesterday the attorney called (we live in SC...
View ArticleA bit of an update
I've been reading here a lot, but not posting lately. We are getting ready to move this Friday and it's been hectic. Just to update: once we were approved for the brand new (yes, we are the first...
View ArticleUtilization just killed me
Balances reported on all three cards this week and the effect was interesting in it's magnitude. Started with a 685 EX FICO on 3/28, added one HP and my Chase card reported a balance of $431 compared...
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Prof. Debt Mediation
Anyone have any recent experience w/ Professional Debt Mediation? Will they do PFD or settlement or anything? This is the only collection on my bf's credit, due to fall off by Jan. 2017 for $3166. I'm...
View ArticleCredit repair
Hi guys I'm trying to repair my credit after being stupid and negligent. anywho. my main question is about disputes. I have a collections company by the name of credit control that is reporting the...
View ArticleCredit card utilization
I have a secured credit card with a credit line of $200. I've been keeping it below 29% consistently and my score is increasing every time I check.Question: does it report to the bureaus each time I...
View ArticleWHAT IS THE FIRST STEP!?
My credit is terrible. I am a disabled veteran, and suffered a huge wage loss. Unfortunately, the bills stayed. The result is a terrible credit report (poor). What is the first step in cleaning up...
View ArticleStarting to repair, tons of collections. Help?!
Okay I've been reading for weeks but this is my first post so I apologize for any mistakes/not knowing the lingo very well. We are trying to repair my husband's credit to buy a home in the future. We...
View ArticleCourt Judgement Fell off CR for no reason?
I had a court judgement suddenly just fall of my CR. It's only a few years old, I haven't paid on it or even talked to the company about it, nothing new popped up anywhere else on my CR, and there is...
View ArticleScore advice?
hi all, I was wondering what is the best way to maximize my score. My utilization is currently a little high at 37%. I have 3 secured cards and i also have a fingerhut account and 2 store cards. I have...
View ArticleSecured Card--at What Point?
Hello, I've read multiple posts about people obtaining / working to obtain a secured credit card. Is there a certain point in the credit repair process that you should try and do this? thank you in...
View ArticlePaying Off and Cleaning up Report
Hello, this is my very first post so forgive me for the lengthy post. I have read many many posts on this site and wish I would have discovered it before spending several hundred dollars on Credit...
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Medical Bills Letters
So in 2009 I ended up having to have emergency surgery after just moving to a new town with no job or health insurance in hand. The hospital at the time forgave the bills, but not before they ended up...
View ArticleNo score improvement on Transunion
Good evening. I have been working on improving my credit score for over a year now. But it seems lately as my Equifax and Experian score has increased to over 600pts in the last few months, my...
View ArticleNavient late payments
Has anyone had any success with getting Navient to remove late payments. I had some late payments in 2012. I am current on my loans since that time so I was wondering if I should do a goodwill letter...
View ArticlePSA: Capital One - Secure
They now allow you to add to your initial security deposit again. The only caveat is you cannot add to an already activated card. So say you apply and are approve, make your initial deposit of $300,...
View ArticleEmail for PFDs and GWs - yes or no?
Searched through the forum, conflicting results.I'm not doing any DV's, but for PFDs and GWs, has anyone had any success with email?
View ArticleSome paid, some not...but now what?!
As we can see [below], most, with the exception of my medical bills are paid. But now what? The first account was actually closed b/c I requested it to be closed [I seriously have no recollection of...
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