Credit karma trick for higher approval
If u apply for the cards that credit Karma u end up with bigger limits than direct At cap1 worked to my wife
View Articlewhat am I missing?
I have been working on my credit for 8 months. I have one item that was charged off, which I’ve paid. I’m in the process of trying to get it removed. (Fingers crossed) I’ve added a Macy’s card, 2...
View ArticleMIdland
HI! I have a collections account with Midland. I disputed the account through equifax and it was just updated on April 4th saying it meets FCRA. On CK (transunion only) and CCT it is now showing...
View ArticleCredit dispute - Capital One response? So confused - Please advise
Greetings. I had one capital one card. This was closed 09/09. My credit reports each state "credit card was lost or stolen". This was paid in full. It shows one 30 day late for September. This was not...
View ArticleAfter dispute removal, CA sends me letter about my dispute?
Hi, so I'm in underwriting for a mortgage. I have one outstanding collection. I removed the dispute comments from all three bureaus on the item by calling them, and it was fairly easy. I've got...
View ArticleSeventh Avenue
Anyone know where I can find a good contact email address or physical address for Seventh Avenue? I tried the address listed on the credit reports but there was no response. No reply via the general...
View ArticleCouple questions on credit rebuilding
Almost a year ago my credit was tanked around 473 or so. Since then I have sold my car that I had a loan for, paid off all of my collections and have picked up a few credit cards with low balances....
View ArticleHelp with Drivetime Repo info.
So, last year Drivetime stopped reporting to CRAs so they could "fix" all their credit reporting data. They were fined by the CFPB for several reasons that included harrassing customers and references...
View ArticleQuestion on what to pay first
I've come into a decent chunk of money and want to decide the best way to use it to help my credit. My wife and I would like to buy a house in a year. We went through some hard times when I lost my job...
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Can PRA keep doing this to me?
So this is now the 2nd month in a row that Portfolio has removed/added their TL to my account. And every time they do that, it ruins my payment history, and makes it seem like I'm having an account go...
View ArticleGoodwill Success with Capio Partners!
I wrote a goodwill email to them and got a response the next day. They said they would send in for the deletion to the CRAs since they initially mailed the information to an invalid address! I'm super...
View ArticleIn need of 3rd card
I have 2 cardsCap1 secured 200Discover secured 200I was hoping 2 get a unsecured soon. I did Cap1 prequel site said no, went ahead and appd anyways of course denied.Reason across all 3 to few or not...
View ArticleAMAZED but CONFUSED!!
ok...so i started working on my credit last june. All scores around 500 via CK...I got a Cap1 secured and over the past 9 months have used it very wisely, never missed a payment and the $500 CLI back...
View ArticlePaid Collection Updating
Is it legal and why would a CA update a closed PAID collection monthly?
View Article85 point jump!!
Now, I know to not take CK scores to seriously, they have always been about 50-90 points below my fico 8 scores. BUT CK is usually on as far as when my score fluctuates. I just logged on and my TU...
View ArticleHow much will my score increase from Pay for Delete?
I have two derogatories against my credit score. One is from a 60 days late from student loans which is from 2 years ago and a recent medical one I paid to have deleted. My credit utilization is at...
View ArticleDirect TV - ERC Enhanced Recovery Collections
I had a collections account with Direct TV back in 2009. Direct TV sent it over to another collections department which had me sign up for an Emblem Bank secrued credit card for the amount of $578,...
View ArticleOnly have 1 card, apply for how many more?
I'm new to the forum, lots of great info on here. About a year ago my bank cancelled my only CC which I had had since a teenager for over 15 years. It had a $10k limit. I had a Capital One...
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