I'm depressed: Bad news from credit repair company
I've been a little frustrated with Lexington Law. The progress has been slow going. Thinking I could use some help, I had a credit repair specialist review my CR today. She said that because my bk is...
View ArticleJudgment Deleted
I'm so happy! I had a paid judgment deleted from Transunion last week. I used a letter similar to the pre-hippa letter. They deleted it within a week.
View ArticleNational Credit Systems - Deletion Possible
I paid my full balance a couple nights ago with National Credit, the last baddie on my reports.I got the contact of the manager who has the authority to remove items from credit reports. I sweet talked...
View ArticleNavient Late Payments bringing me down!!
Help!! i have been working on my credit since October of 2015 and i seem to have hit a wall. They went from:EQ - 569 to 657EX - 591 to 690TU - 578 to 693 I had quite a few old collection accounts...
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Advice on auto loan charge off
Back in 2010, my exhusband asked me to cosign on his car. He was the only person on my car and couldn't get a second loan in only his name. I didn't work and had a horrible credit score, but it worked...
View ArticleVerizon question
I went delinquent on my verizon account in 2012.. it was a bad year for me. Anyways, the CR company that is reporting Verizon started reporting in May of 2015, but the original debt was from 2012. That...
View ArticleJudgment or Satisfied Paid in Full
Hello, So we have a dilemma. We recently paid a judgement and its going to show as 'satisfied paid in full' once our credit report updates. I have been told that it's best to have it removed...
View ArticleCable Company question.
Hi everyone I have a question concerning how to handle this situation. A couple of years ago I had an account with Cablevision. I closed the account as I was moving. No balance left. But I was just...
View ArticleHSBC/Capital One & Portfolio Recovery
Hello everyone! Been a long time lurker here in the forums and want to thank everyone for all the wealth of information. It has helped me tremendously over the past 6-7 months of rebuilding my credit....
View ArticleBackdoor TU Phone number and Early Exclusion Sweetness!!
This number will get you to a CSR in the US who can only help you dispute. You don't need a file number to speak to someone. 1-888-259-6845 6am to 12 pacific Once you are connected and...
View ArticleWtg for public record removal. Need to build FICO
Hey guys! I don't think I have ever posted on the forums although I have been kicking around myFICO since like 2004? Wow! Anyway, I've never really had a lot of great credit. It's always been one...
View ArticleDiscover it Chrome Secured/Product change
Has anyone been sucessful in product changing from Chrome to the IT cards recently? I'm interested in getting the 5% cashback on revolving catagories but was told by new accounts that its not possible....
View ArticleCalvary Portfolio Deleted !!
I filed a BBB complaint against Calvary portfolio for reporting the incorrect DOFD from an old HSBC account. I received a letter today through the BBB website saying that the information is correct but...
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Just Starting 04/26/2016
Hi, Ive been lurking for months and thought I would take the plunge. Bad divorce took my credit fro 740 down to high 4's to mid 5's. My fingerhut app is "pending" .sigh. Dont really have extra $ to...
View ArticleCredit card deleting payment history ?
So my GF & I recently applied for a mortgage. We got our pre approval letter and noticed her scores were lower than we thought. We pulled her credit report and saw she has a late payment from...
View ArticleNew loan
Hey all, just spoke with a mortgage counselor earlier and I have a judgement for $1469 being reported, do I pay this amount to the court and I have someone trying to get it removed from my cr as I...
View ArticlePortfolio Recovery Ass. Collection Crazy Account Numbers
Hello,I pulled my report and I have discovered a few collections from PRA. I want to DV because I doubt the validity but the issue is the account numbers are crazy! First, some are listed like...
View Articletax lien discrepancy, this enough?
Hello all, first want to say thank you to everyone, a fountain on knowledge and insight. I have 2 state tax liens from kansas reporting on equifax, the only thing i can find to argue wrong information...
View ArticleKohls Goodwill Success? Reasons?
Hi,Once upon a time, I was a young, naive college student with a FICO in the mid-600s due to about 8 late payments on various accounts. Fast forward twelve years, I'm now a much-less-young adult with a...
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