Old lates/baddies - worth pursuing? early expiration/removal?
I have 2 different accounts with 30 day lates reporting in 2010, 2011. Accounts are since closed. How much of a factor are these lates and are they worth pursing via GW? Also, how old until you can...
View ArticlePost ch7 Timeline to rebuilding
So I'm curious about the best way to go about rebuilding following a chapter 7 discharge. Should I just live on a cash basis for 6-12 months first, or am I better off trying to get a credit card or car...
View Article680 to 802 in 60 days
In mid-Feburary I found this forum and started reading, a lot. 60 days, a lot of money to pay down debt, and one GW letter letter later... I shot from a 680 FICO8 to a 802. I'm buying a very nice...
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Capital One CLI After 3rd Statement?
I started out with a $1000 credit line with both capital one cards. After the second statement plus a couple of days, I requested and got a CLI of $1000 on each card. So has anyone gotten a CLI after...
View ArticleReady to Rebuild
Hello, Can anyone point me in the right direction for rebuilding credit. I recently came into 10000 dollars and my credit is shot. I want to take steps into rebuilding. I read about geeting a secured...
View ArticleHelp With USBank Account Reporting Incorrectly
I'm trying to make sure my CR's are totally cleaned up and came across this account. It is reporting as a negative account and NEVER should have been - the account is only reporting on TU. Last...
View ArticleExperian deletes tax liens. Experian no longer uses private vendors to verify...
Earlier this week I contacted Experian via phone to ask for the early removal of a BK scheduled to be deleted from my report in July. After the rep removed the BK he asked if I wanted him to look at...
View ArticleNew House--- need card for appliance purchases.....
Hi guys, so looks like we'll be closing and have to make some expenditures on new appliances soon. I want to apply for and get a card with a pretty high balance (like 8000), and am wondering which one...
View ArticleHELP!!! Just lost 58 points please help
Ok says on equifax lost 58 points and I was starting to gain points. It says consumer disputes reinvestgation in progress. Why did I lose 58 points. This is a dispute from first premier i paid the cc...
View ArticleQuestion about PFD
Good morning - My son is starting to rebuild his credit and he has one American Eagle card he owes $500 on that is a delinquent account. His scores range from 630-660. He has since opened an acct...
View ArticleCredit one closed my account?
Part of me is happy to be out of all rebuilding cards...the other part is irritated losing 1000 credit line.I called lastnight to tell them I want a CLI no fee. And no AF. He said no and then I woke up...
View ArticleTo the User that got First Premier Account Removed You helped me!!
So about a week ago I saw a user that got First Premeir account removed by sending them an email You helped me get mine removed I searched the forums but cannot find it . This is the Email I sent to...
View ArticleCan i request?
My AAoA is 6.5 yrs with EX bc they show my electric bill that is 18 yrs old with no missed or late Payments. So my EX score is higher than my other 2 scores. Can I request that this bill be reported to...
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AD ASTRA 2-minute PFD
- Hi, AD ASTRA? I found a speedy cash collection for $315 on my credit report, could you please DELETE it from my reports if i pay in full right now? ADA: We usually update to $0 paid, but if you want...
View ArticleERC is ACTIVELY REPORTING TO CRA's
I thought it would be a good idea to send out the "bulletin" of sorts about Enhanced Recovery Inc. Just five days ago my mother paid an old At&t bill. She was under the impression it was an...
View ArticleCan Paypal send me to collections??????
Hello, My friend recieved money from an ex, $720 to be exact...however they broke up shortly after and he filed a dispute with Paypal after she had already cashed the money in and he said it was...
View ArticleNeed advice on how to handle these last 4 accounts -
As far as paying off my bad debt I have 4 left out of >25. Money is not an issue to pay settlements in full ASAP, I am very cash flow positive. I need some advice on how to handle each one: SOL in...
View ArticleCredit Score 125-298
I was just told my Experian score is 212 out of 298..... what does this mean?... I know my credit is in repair but I have never seen this model before.
View ArticleCap1 card post BK?
I have been trying to get cap1 card since our BK was discharge 4/2015. It was IIB as well. I would like a decent card to replace credit one card at some point. Currenly Have:Credit One: $950 for ~...
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