After two years almost done rebuilding - I have a few that I just cant get...
So I started my Journey ablout two years ago with a Score in the mid 500's and about 18 - 20 or so baddies. Today I am about 100 points higher and almost all removed and new tradelines opened and not a...
View ArticleCapital PC from platinum to Quicksilver success
I wanted to let everyone know capital one let me PC my card today.I started with an secured card $1000 limit 11 months ago.Was approved for unsecured platinum on March 10th.I closed my secured card...
View ArticleBank of America CEO mailing address/email?
Goodday, Do anyone have the mailing address/email for Bank of america CEO? im getting ready to fire off my goodwill letter for my credit card. Thanks in advance.
View ArticleClose store cards for AAoA
I don't think this is how it works but I went on a mini store card spree 3 months ago...my AAOA is right at 2 years because of this. Would I benefit at all by shutting down my buckle, vs, carecredit...
View ArticlePaid Collection Reports Today -Thoughts?
I had one final colleciton on my reports. $1500 from National Credit Systems for an old apartment. Only baddie on my reports and decided to handle it (wasnt going to fall off for 2 more years and I was...
View ArticlePlease help!! Baddies after BK 7!!
So here goes... I have been trying to get my credit reports in order after my BK 7 discharge at the end of March 2016. I kept one CU credit builder loan through the BK and paid it off, but was late...
View ArticleCFPB Complaint Filed - Portfolio Recovery Assoc.
Portfolio Recovery is a paid and closed collection account reported as "original lender/original creditor" on my credit reports.Which of course they are not, that would have been capital one. I have...
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Good credit can be obtained.. Even if you're in the 400's
I see often on the "RYC" that some people question if they can get to the 700's, I'm here to tell you all yes! And thank everyone for helping me. I started off with a 430 score in Janurary 2016, and...
View ArticleGoodwill letter for public records/judgements?
I have a judgement in cook county IL against discover card I was hoping to get removed. Do goodwill letters work for judgements/public records? Anyone have experience with cook county? who do I email?
View ArticleRebuilding credit-your opinions
Hello everyone. I've watched these boards for a while now. Back in 2014 I thought I was ready to start rebuilding my credit, opened up a few secured cards then messed up again so here I am 2 years...
View ArticleOfficially in the 600s !
On Experian! .... Auto loan hit 3 years this month. Last late payment hit 6 months & new sl servicer reported their tradeline. Now im just waiting on the old defaulted lines to be removed if...
View ArticleHow Many Cards To Close?
How many cards can I safely close without it negatively affecting my credit score? I recently closed my Cap1 secured card after I got approved for a Quicksilver 1 card. I'll be apping for the Platinum...
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How Should We Handle These Charge Offs?
Hello everyone. We are ready to start dealing with the issues on my husband's reports. Looking for advice before we get letter happy and mess something up. Current Scores: EQ: 631TU: 641EX: 636 **...
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Rebuilding Success in 5 months!!! Thank you
I want to first start off by saying thank you to all off those who have contributed to these boards! It has been a huge tool for helping me achieve my financial goals and given be a boost of confidence...
View ArticleProCollect and PFD agreement not honored
I sent a PFD letter to ProCollect, and they responded with a form letter agreeing to delete the collection account if I paid the debt within a certain time frame. I sent them a check to pay off the...
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Great Success
After a lot of stress and several headaches later I have finally managed to get some of the last collections off of my report and all CB are now in the 600s having come from the low low 500 range. As...
View ArticleHave you had an IRS tax lien reach the SOL?
I've read a lot about IRS tax liens having a 10 year SOL. Then they become uncollectable. I'm looking for some first hand info from people that have had their liens go that long. What happens? Did the...
View ArticleClosed account strategy
Rebuilding - one of my factors is length of history (average 2.5 years).In 2012, my mom closed her Macy's CC which had been opened since 2007, on which I was an authorized user, because we thought back...
View ArticleOpensky CC CEO information?
I am trying to find an email address or a physical address to the office of the CEO of the company that owns the Open Sky CC. I have a couple lates due to a mess up in the computer system that I want...
View ArticleCFPB on Genesis/Mid-America Bank
I filed a CFPB on Mid-America/Genesis Bank Card. Being that they called me over 5-10 times a day and I answered every one of those phone calls and every call was a different assoicate was trying to get...
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