Cleaning Up Collections - Where to go?
After trying to apply for a mortgage and being denied, I decided to see what was going on. I knew my credit wasn't top notch but didn't realize is was piss poor either. So I have about 5 collections...
View ArticleMy Rebuilding Log
Hello Everyone, I've 'lurked" on the forums for about a month now, and thought I'd add my story to the collection: For a very long time, I unfortunately did not treat my credit/bills with the proper...
View ArticleNeed an expert advice about this collection
would like to ask some advice. I have a one collection accout that was deleted on my credit report last August 2015. (RJM Requsition) I was trying to pay for delete on that collection account and the...
View ArticleAnyone have recent (last 12 mths) EE of judgement on EQ or EX?
Consensus is that EQ and EX will grant EE 1-3 months out although EQ seems less likely to do so. I am aware that this is an YMMV situation and it is a goodwill request, however, when I called Experian,...
View ArticleJust need a few more points
I am in the process of buying a home. I was told by the lender (Quicken) that if I could get my score up about 5 more points I would qualify for a conventional loan. Right now I was told I qualify for...
View ArticleNegative Accounts.........?
Ok so first time poster and new to this site. A quick background. When I was younger I had near perfect credit. Applied for financial aid back while I was in college and was approved. Bought books...
View ArticleCFPB response Guidelines
Submitted a complaint New Years Eve. Recieved immediately the 15 day response. Today, still no word. I did find on Lexicon that the company complaint against has 60 days to respond publicly "a...
View ArticleHelp with getting a judgement vacated
I'm sure this question has been answered but I can't seem to find it. How can I get a judgement vacated? Is there a sample letter? If I call, whom should I speak to and what should I say?
View ArticleDCU goodwill success
Last week I realized I made my first 30 day late on my dcu platinum card for like 25 bucks. I just missed it plain and simple. My score was 740 and then once I got a call from dcu reminding me , my...
View ArticleWORRIED - Collection letter from 2010 ?!!?
Received a letter today from Credit Control LLC saying they are servicing a debt for JH PORTFOLIO DEBT, who in turn services for Bank of America ?!!! It says I have a charged off debt from 02/2010 --...
View ArticleDOFD Question
Say I had a CC with a $500 CL. In June and 2008 I let it get behind and was never able to bring it below the original CL. I would make payments on the account but with "interest" "overlimit" fees I...
View ArticleReporting Question (please do not move)
I have a student loan through NELNET. I called today to see if it was eligible for early removal and the rep told me that it was scheduled to be on file until 2018. She said it was because the company...
View ArticleSeveral IIB accts gone on all 3 CRA! YAY!
Back in October I had 20-22 IIB accts reporting depending on which CRA. Those IIB accts were not scheduled to fall off my reports till March-May of 2019!! Pulled my reports from the actual CRA a few...
View ArticleUpdate on journey
I got a alert today my TU went up by 53 points.Currently I'm at 647 Exp 663 Equifax 674 TUI started in November in the high 5s. I can't believe what I change can 60 days make.Thank you for all the help...
View ArticleDelinquency scamming question...
I disputed nearly everything on my credit report from TU early this month. I had 14 accounts. 7 of the accounts were removed some time in the past week leaving roughly $8800 of debt with $5400 being...
View ArticleJCPenny Charge off removed due to invalid address
I submitted a complaint through BBB to get a JCpenny charge off removed. They ended up removing the charge off due to the address being incorrect. They basically stated that they are removing the...
View ArticleSomeone please help!
Ok so I'm new at this! I have a Capital One Card I've had for 7 years. Never miss done payment always on time and pay well above minimum payment. I pay off every year! So now that you have the...
View Article10 Medical Collections, Will Reducing to 8 Help?
I currently have 10 different medical collections. They are all within 18 months of one another. I was uninsured and had major surgery (gallbladder). 2 of the 10 collections are: $58 and $110. If I PFD...
View ArticleCapital one!'!!!!!!!!!!
Such a great morning, so before I must say I literally had a break down looking at my credit score.. In October of 2015 my TU score was 359 .... I had lost my job and I just recently got a new one with...
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