How about apping for Penfed, Amex and Barclay because you know they all pull different bureaus? I think we could probably carry this conversation to ridiculous extremes. ... View more

It will show you when they're scheduled to fall off.  ... View more

@AverageJoesCredit wrote: I just a poster on another thread mentioning a decreade from 25,000k to like 1500. I hope the poster finds this thread so we can see if there is anything we can suggest or if there are any pertinent details we can learn from. I think the thread is on decreasing limits with Synchrony if anyone would like to see:). He hadn't used the card in almost a year and a half.   ETA:Which reminds me, I need to hit a Rite-Aid and buy something with my wife's Care Credit card. Been 9 months. ... View more

Not to hijack, but I got a Cap1 pre-approval last summer and somewhere in the fine print it said I had to let the dealer pull my credit again. I didn't go through with it because the last dealer I let pull my credit put 11 inquiries on my TU and 7 on EX.  ... View more

@iced wrote: For every horror story, there's a 100 stories that went without a hitch. Unless you are carrying high balances or have vastly been overextended credit, I wouldn't worry. Totally agree. It's like the old saying, "A satisfied customer might tell one or two people, an unhappy customer tells everybody." ... View more

@MICHAELM30 wrote: The letter i recieved said you have been upgraded and your new card will come in the mail soon, Is this normal ? Did you guys have an option to decline because i sure didn't. The card hasn't come yet though. In with the letter is a sheet that says "Important Changes To Your Account Terms." The phone number to call is on that sheet. ... View more

Paying credit card interest is money down the toilet. You're scores will rebound and your wallet will be heavier because of the BT's. You did the right thing. ... View more

@Anonymous wrote: Yeah but to me as a consumer that sounds like okay no interest for 12 months then on the 13th month you'll start getting charged interest. They make it clear that interest goes back to day 1 if not paid by the end of the promo period. What I don't like is that they leave it up to you to do the math on how much you need to pay each month. That can get confusing for people who carry balances that include both promotional and regular purchases.   From Lowes website:   **No interest if Paid in full within six months. Offer applies to purchase or order of $299 or more on your Lowe's Consumer Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within six months. Minimum monthly payments required. No interest will be assessed on the promotional purchase if you pay the promotional purchase in full within six months from the purchase date. If you don't, interest will be assessed on the promotional purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payment may or may not pay off purchase by end of promotional period. Some or all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to nonpromotional purchases and, after promotion ends, to promotional purchases. ... View more

@murat533 wrote: Thank you for the advices.If I can't pay the collections then how long will they stay there? The collections can report for 7 years whether you pay them or not. ... View more

I think I'm going to dig the letter out of the mail pile and call to cancel mine. I wouldn't use it anywhere other than Walmart, so it doesn't make sense to take another AAoA hit for a card that doesn't offer me any benefit over the store card. ... View more

Mine are fairly close. TU Vantage 793, EQ 754. Latest FICO 08's are in my sig. ... View more

Feel free to correct me if I'm wrong, but a charge off is a charge off. I don't think getting the lates removed is going to do anything positive for you. ... View more

@hillskip wrote: Hello! I've been on my absolute best behavior with my credit and steadily my scores have been going up. Then, boom! Out of the blue, my Transunion score dropped 17 points. The alert doesn't indicate the reason for the drop. no mention of a collection, a late payment, an increase in overall credit.....I think this is unbelievably confusing and hope someone can help me understand this!   I'm so depressed about this--it's troubling when hard work doesn't pan out at all!   TIA! FICO or Vantage score? ... View more

If I hadn't burned Amex 8 years ago I'd be using a BCP and racking up the cash back. Oh well, I guess 1.5% is better than nothing. ... View more

@grillandwinemaster wrote: @heavyjay wrote: Get your ducks in a row now for when you're served. Your CR isn't good enough to prove a debt is time barred. Their attorney will object to  it as hearsay. You need something from the OC to substantiate the DOFD. Wouldn't the original creditor reporting me late, and subsequently charging off the account be substantiation of the DofFD from the original creditor?  The OC's business records can substantiate the DOFD. Your credit report may be correct but it is still hearsay. ... View more

Checking in for February. Be back tomorrow to pick up my bronze spade. ... View more

@Anonymous wrote: Could there be a default judgement on you that you are not aware of? Top line mentions default judgement... The dates are weird:   01/22/2018 8:30 AM DEPT. S17 OSC RE: STATUS OF DEFAULT JUDGMENT PURSUANT TO CRC 3.740 - Minutes  07/21/2017 8:30 AM DEPT. S17 OSC RE: SERVICE COMPLETION PURSUANT TO CRC3.740 - Minutes ... View more

Get your ducks in a row now for when you're served. Your CR isn't good enough to prove a debt is time barred. Their attorney will object to  it as hearsay. You need something from the OC to substantiate the DOFD.   ETA: Unless you're in a small claims court that doesn't allow discovery, you should be able to get everything PRA has through the discovery process. After being served you would answer the complaint with time barred as an affirmative defense. ... View more

@Anonymous wrote: I have PSECU for my credit union and all my banking. They introduced a rewards card 1.5% cash back with no AF. APR is 12.9%. I wasn't happy with the $5K limit but they only looked at my income so they figure the mortgage and truck payments are only made by me and not my spouse. I didn't want it to be a joint CC so I just accepted it even after calling back two times for recon. I plan to PIF the card every month and it's simply moving money from my checking to the card. I called and asked them if I can use my Founders card to pay for my truck payment which is also tied into my PSECU account and then immediately pay the card from my checking account. I was told it would not be eligible for the rewards. It would have been really nice if it was! Curious if anyone else has PSECU and if you went for the Founders Card and also found that UW is a bit stingy. I applied for both their cards in Dec and they gave me 15k on each. My EX FICO was 804 at the time. ... View more

@pizza1 wrote: I loved her! Such a great actress and overall kind spirit. I think we are going to see more and more from that generation pass soon. :( makes me feels old What really made me feel old was hearing Joan Jett and Pat Benatar on an oldies station. ... View more

Credit Sesame shows my TU credit age at 3 years. Credit Karma shows both my TU and EQ as 3 years 1 month. MyFico shows TU at 6.1 years and EQ at 4.5. ... View more

@Anonymous wrote: The facts:   I have 3 derogs TL's (Charge Offs) all within 6 months of aging off. Aggregate balance approx $100K; I have two new positive TL's - a Secured credit card with a $200 line and 0% utilization and an auto loan that is on auto-pay so delinquency on either is not a factor. No credit use in between the crash 7 years ago and teh re-start 7 months ago.   In December 2016 one Charge Off aged off my credit file. The following month I lost 60 points.   Can anyone explain to me what happened? It seems whenever something that SHOULD improve my credit score happens, I lose points. When I paid off my mortgage in April 2016 I lost 40 points. At this rate in July I will have a credit file that shows 1 unused credit card with a low limit, 3 paid satis car loans, a paid satis mortgage, no derogatives and a score in the solid 400's. No mortgage, no debt, plenty of income, a 6-figure bank balance and I can't get credit to buy a pack of gum. Hi Steve,   Credit Karma, Capital One, Credit Sesame and Trans Union all give you your Vantage score. Few, if any, lenders use this scoring model. FICO uses the Average Age of Accounts as one of its scoring parameters. It includes both open and closed accounts.   The Vantage model uses Average Age of Open Accounts and also gives it way too much weight. The Vantage model isn't factoring in the ages of your paid mortgage or auto loans.   Six months from now, when those 3 derogs are gone and your secured card and car loan have some more age on them, you'll get a nice score bump.   BTW, you need 2 more revolving accounts. Best scores are attained when you have at least 3. ... View more

How are they 2 months late? Jan 31 was yesterday. ... View more

The basis for disputing tradelines on your credit reports is the completeness or accuracy of the reporting. Nothing you listed is a reason to have the accounts removed from your report. ... View more

This is what I have on EQ:   AR-Capital One  01/03/17 AR-CAPITAL ONE  12/27/16   On TU I have June, Oct, and Dec 2016. ... View more

Paste this into a search engine.   Supreme Court Hears Arguments on Collection of Expired Debts     ... View more

@ls2016 wrote: Oh my OP...you have quite a story and thanks for sharing. I am 34-years-old and love to gamble, but after losing $150-$300 approximately once every 2 months, I'm done, go on home, and cry about it, until the next 2 months. I love the slot machines myself, but I just can't see myself throwing away my hard earned dollars. I can't relate to you at all, but the good thing is that you recongize your addiction. Once again, thanks for sharing. You sound a little like me except that I'm a more extreme case. The only gambling I've ever done is nickel and dime poker. I get pissed if I lost 10 bucks. I guess being a sore loser has served me well.  ... View more

@Anonymous wrote: Hoping to make this month the one With one card report 2 bucks. Missed last month but still at 1% utilization. Trying to see if I can get higher than 761. Anyway happy gardening. I'm waiting for my $2 to report also. EX and EQ should be about 2 weeks away. TU is anybody's guess. ... View more

@DrZoidberg wrote: That win helped pay your debt, yes. But in all honesty it was one of the worst things that could have happened to an addict. It was a "validation" that it "pays off." You have gambled a lot, and now you have won big, so your habit and addiction will only grow now that you know it's obtainable.    I don't tell people how to live their lives. I get it. I don't have an "addiction" but I love to gamble. I usually do about $1k a month or so. It's fun, but I'm in control and I can afford it. I can't tell you how many times I hear people at the BJ table saying "there goes my rent" or car payment or cell bill.  Actually, the 30k win was just a drop in the bucket. OP still has a 108k heloc and a savings account that is now 14k lighter. I've never seen the inside of a casino so I really can't relate. All I can do is wish him the best. ... View more