mytime321 Tracker

Re: Hoping I can join NFCU...Question about eligibility?

mytime321 — Thu, 24 Jan 2013 05:57:52 GMT

I just got off the phone with NFCU. I was prior service and got out in 2005. No family members met the criteria that were prior service. Unfortunately they could not create a membership for me. Does anyone know if NFCY ever has open enrollment periods?

Re: HSBC/Best Buy Goodwill success?

mytime321 — Thu, 24 Jan 2013 05:03:17 GMT

I am working with Best Buy right now on an old charge off. I'm really praying it works.

Re: Credit denial letter.

mytime321 — Thu, 24 Jan 2013 05:01:07 GMT

Along the same lines, I saw another denial letter I had in the past (I save them) and it said "available credit on bankcards accounts is too low and high credit utilization of open revolving trades report within the last twelve months"

Call me stupid, but those both read like the same thing. Or am I misunderstanding?

Credit denial letter.

mytime321 — Thu, 24 Jan 2013 04:57:04 GMT

So before I started looking on this site I had applied for auto financing with Ford Motor Credit, but was denied. For some reason it took over 30 days to get the denial letter. One of the reason on the denial letter was "proportion of loan balances to loan amounts is too high".

Does anyone know exactly what this means?

Re: To Keep my 1 year old tiny car or switch to a bigger car.

mytime321 — Wed, 23 Jan 2013 13:16:50 GMT

So it sounds like BMW auto finance is relatively lenient for tier1?

Re: Student loan payoff.

mytime321 — Wed, 23 Jan 2013 12:56:01 GMT

Thank you.

Re: Santander Consumer USA (Auto Loan) Good experience

mytime321 — Tue, 22 Jan 2013 05:22:31 GMT

I have Santander right now. Can't say I've had any issues. Most of the people have been very pleasant.

Re: Best Buy/HSBC

mytime321 — Tue, 22 Jan 2013 05:20:33 GMT

I actually had some great success with Chase. I had an old Washington Mutual card that was closed and when I contacted Chase they agreed to delete it because they could not find record of the account, just the account number.

Re: Nelnet Good will Letter - Denied

mytime321 — Tue, 22 Jan 2013 05:18:35 GMT

For Newbie Reed. Could you possibly PM me those Nelnet contacts?

Student loan payoff.

mytime321 — Tue, 22 Jan 2013 05:16:39 GMT

So here is my predicament. I have a Nelnet loan that has continued to report 120+ days past due after a transfer to Florida Department of Education. I was thinking of just paying it off to at least show the account as closed.

So my question is. If I pay it off, about $1700. At this point, For both Nelnet and Florida Department of Education, this should report both tradelines as paid off at that point right? Right now Nelnet is showing 120+ days past due and Florida Department of Education is showing as a Chargeoff.

Re: Best Buy/HSBC

mytime321 — Tue, 22 Jan 2013 05:11:57 GMT

buyout? The Capital One buyout of HSBC? I am hoping that they won't be able to find my account.

Best Buy/HSBC

mytime321 — Tue, 22 Jan 2013 05:04:49 GMT

Anyone ever have any luck with a Best Buy/HSBC good will deletion request?

Re: Student loan issue!!

mytime321 — Thu, 10 Jan 2013 03:30:11 GMT

I was thinking this. The thing that has me concerned is that Nelnet continues to report it 120+ past due. I thought they were supposed to report it as paid/charged.

Re: NFCU

mytime321 — Wed, 09 Jan 2013 15:59:02 GMT

I'm in the mdist of fixing my credit. Got declined for a USAA card. Going to go with one of their secured cards while I'm building my credit.

Re: Capital One

mytime321 — Wed, 09 Jan 2013 15:39:30 GMT

Capital One is reporting it as a charge off on all 3. Midland is not reporting on any of the 3.

Re: NFCU

mytime321 — Wed, 09 Jan 2013 15:13:36 GMT

How is Penfed as far as score requirements?

Capital One

mytime321 — Wed, 09 Jan 2013 15:10:00 GMT

I just got off the phone with Capital One about an old charge off account that was sold to Midland Funding in 2009. I have called a few times and keep getting stonewalled about trying to get a GW deletion from my credit report. They keep telling me that I need to contact Midland Funding.

What I am trying to figure out is this. Midland Funding is not reporting anything to my credit report.

Has anyone had any success with getting Capital One to delete a charge off from their credit report? Or in this situation am I better off waiting for it to fall off since Midland Funding is not reporting?

NFCU

mytime321 — Wed, 09 Jan 2013 15:00:08 GMT

So I called NFCU last night and they were extremely nice and helpful.

Unfortunately they can't offer me an account despite being a veteran. I mistakingly thought that all veterans were eligible.

Does anyone know if they ever offer open enrollment periods?

Student loan issue!!

mytime321 — Wed, 09 Jan 2013 14:59:15 GMT

Here is what I am running into. I have a student loan that unfortunately defaulted in 2008/2009. The loan was serviced by Nelnet and has since been transferred to Florida Department of Education. Recently, after joining this site, I reached out to Nelnet about wanting to reinstate with them so that I could turnarund the negative credit reporting. I also included in the email that I wanted to fully honor what I signed for with the student loan.

Nelnet has continued to report the loan as 120+ days past due.

This is the response I got from Nelnet:

Thank you for contacting Nelnet. Your loan was transferred to the guarantor Office of Student Financial Assistance. Please contact the guarantor at 850-410-5200 "

The guarantor, Florida Department of Education, has been reporting it as a charge off. I spoke with someone at the FL Doe and they outright told me to dispute my credit report.

With all this being said. Given the email I have, and have printed, from Nelnet. Should this be sufficient to have Nelnet's reporting removed from my credit report?

Scorewatch updating frequency.

mytime321 — Wed, 09 Jan 2013 14:18:33 GMT

How frequently does scorewatch update my score?