OK. Not a sob story, but frustrating (and partly my fault, too).   When the economy took a turn earlier this decade, I had issues like every else.   Long story short--in 2011, I received a judgement against me for a Capital One card.  I actually was never served or notified, but accepted I screwed up and didn't think there was anything else I could do. I was liable for the debt.  During this time, I set up a payment and paid it and was finished with it in 2013.   I have only needed to use my credit for a car purchase a year or so later, and never really followed up to see if it was reporting correctly (paid, etc).  Again--my bad.   Fastforward to this month--I am about to close on a new house, and the only adverse thing left to settle is a judgement from Equable Financial Ascent, LLC.  After doing some research, this company has been out of business for a while so I was scrambling trying to figure out WHO to pay.   Yesterday, I called the # associated with Equable and it was actually a new Collection Agency acting as "Trustee."  The lady researched my account, and voila----the account listed that I needed to take care of is the same account I paid in full 3 years ago.  They are issuing a copy of the "judgement satisified" document to me, emailing today, etc.   So--my question is--is there any repercussion for this with the original LLC, because it appears that they went under at some point while/just after I was paying my debt, and never filed anything so it would report correctly.  This obviously affected me on the car loan I mentioned earlier, but have since refi'ed with DCU (thanks MyFico.com).  While I know the judgement still reports even after paid, it was being reported incorrectly.   It seems in this sue-happy society, there must be something I can do to get back at the bottom-feeders who have oppressed the working class so long.   Any suggestions are appreciated.   ... View more

Got a preapproved offer from them for the "Getmyvisa.com" deal.  I was a little hesitant to apply since I wasn't sure if it would be worth getting another $500 credit card right now but I bit the bullet anyway.   I got the instant online approval for $2800!!!!!!!!!!!!!  This will be my highest CL as of now and I think it might make some of my others go to bat and start trying to match it!!!   This board has changed my life completely.   Since coming here last July, I have brought my FICO scores from the 460's to 641, 638 and 671 and they are still climbing.  I have since bought my house and "new" used Honda Accord.   This site is a blessing to all who use it.  Thanks for allowing me to read about situations like mine or even worse that have taught me how to fix my credit life. ... View more

I went ahead and gave them the axe.  Both were over two and a half years old and FP had a $350 limit ($100 increase a few months ago for a fee) and CO had been $300 since the dawn of man.   I felt taking the drop in available credit will help me overall getting rid of two bubble gum cards in the long run. ... View more

First time I have tried this.  I was declined about a month ago.  I had paid all of my revolving debt down to less than 1% UTI but it hadn't reported.  I was told that due to high use of revolving credit, I was turned down.   I called back today since my reports have updated and they said NO PROBLEM.  The CL isn't the greatest, but I am hoping to get an increase at activation. ... View more