Jewel1 Tracker

Re: Please Help.....

Jewel1 — Wed, 31 Oct 2012 21:23:57 GMT

Ok...now nerves are setting in. It seems like either way it can be a mistake. I will check - i'm in Florida.

Re: Please Help.....

Jewel1 — Wed, 31 Oct 2012 21:01:34 GMT

So settling or pay it off doesn't matter it terms of my FICO.

Re: Please Help.....

Jewel1 — Wed, 31 Oct 2012 15:07:31 GMT

Well, they are still with the OC, no CA involved. I had them with Money Management International and it was great until I was late on a payment they dropped out of the program. They are reporting the CR as 120+. When I called they asked if I wanted a payment plan or settle. They will all drop off in 2015. I believe the SOL in Florida is 5 years. I asked BOA if I paid it off would they remove it from report and they basically laughed at me. They were with MMI for 4 years and no blemishes on report. Now the blemishes from these hit and my scores range from 553-573.

Please Help.....

Jewel1 — Wed, 31 Oct 2012 14:32:39 GMT

Good morning, i've learned from your guidance and in the past and found it extremely beneficial. Here I am again... i'll make it simple:

I have 4 accounts left -

BOA $2175

Citi $2042

HSBC $224.23 (I will pay this in full)

GE Capital $1708

What is the best thing to do...I do want my decision to negatively impact my FICO score. Should I settle or set up a payment plan to pay in full. I will be calling them this week. Also, should I be requesting a letter of some sort or request they report in a certain way?

Thank you so much,

Julie Ann

Re: Secured Credit Cards -

Jewel1 — Wed, 14 Dec 2011 04:06:10 GMT

Thanks! I appreciate that! I made a mistake when I was cleaning my credit report and took off accounts that were old in good standing. :smileysad:

Re: I'm going to fail my FICO Fitness Challenge

Jewel1 — Wed, 14 Dec 2011 02:11:33 GMT

Great Job!!! Where are you now? You give so much hope to us all :smileyhappy:

Re: Frequent Contributor and custom avatar

Jewel1 — Wed, 14 Dec 2011 02:00:34 GMT

Thanks so much... If I can use symbols... <>< If not, Jewel

Re: Secured Credit Cards -

Jewel1 — Wed, 14 Dec 2011 01:30:07 GMT

Awesome job on your CS!!! Forgive me 'm a newby... what is AAOA and AF? Thanks for the information :smileywink:

Re: Frequent Contributor and custom avatar

Jewel1 — Wed, 14 Dec 2011 01:26:38 GMT

Tried to put this under privacy but it wouldn't work:

Hi...I'm a newby and was wondering how I change my screen name. I just noticed its my "whole" name and for privacy i'd rather change to something else.

Julie Ann

Re: Secured Credit Cards -

Jewel1 — Wed, 14 Dec 2011 01:07:05 GMT

My Credit Union has secured cards and I was leaning towards that. But, i will wait to hear what others have to say. Thanks

Secured Credit Cards -

Jewel1 — Wed, 14 Dec 2011 00:34:07 GMT

Hoping I can get some good information from you guys. I am rebuilding my credit. My scores range from 550-589. I consolidated my bills about 3 years ago with MMI. Things are going well and I have 9k left to pay off by 10/12. The only other thing on my report is a student loan for 150k. Its in forbearance and haven't started to pay yet. My question is...what are your thought on secured cc's? Can one help build my credit and if so...which one? I heard some report negatively on your CR. Please advise. Many thanks.