Thanks for all the feedback! What I also noticed is that if there are pending balances that have not posted prior to the statement closing date, then only the interest, if any, will on be reported as the balance. Let me know if I'm off on this.      ... View more

@Remedios wrote: Don't know about navy, but Chase doesn't allow you to pay anything over the balance unless you push the payment from your FI.   Are you trying to cover pending charge or something else?  Yes because I wasn't to pay balance to zero on my csr but since it's my main driver, there's always something pending on it. Therefore, I was thinking I could pay more than the current balance. I've read here that citi allows you to pay 7.5 or 7.6% above the balance and thought chase might also.  ... View more

I agree credit one has helped build my credit - without a doubt; but as soon as I am done paying off this debt in a couple weeks and everything has stabilized, they're on the chopping block.  ... View more

Love it. Those rare Chase CLIs are wonderful surprise!!!  ... View more

Chase is great when it's great but god help you when you get on their bad said...   ... View more

Wow Congrats!!!! That's really an amazing achievement.  ... View more

@HRZ780 wrote: I have found that if a company's CEO is particularly hesitant or non responsive, sending a goodwill letter to at least 6 of the executives (CEO, CFO, CTO, COO, Vice president of customer service, etc) of a company tends to get you noticed and the job done quickly.  At that point, they just want it taken care of NOW to make you go away. LOL  Of course, always be extremely polite and very clear what you would like for them to do.  I've had 100% success using this method.   Some companies are a little more difficult, but by the second round of emails to ALL of the execs, the problem usually goes away within days.  Not weeks, months... days. Thanks, great advice. I'll try going that route as well. Like I said earlier this my only negative across CRs, except TU - for whatever reason that one remains clean - so I'm going to fight to get this thing removed. I've come a long way with my credit health and don't want to wait another seven years for this to fall off. The derog should've never happened bc I simply thought I had made the payment (still kicking myself).  ... View more

@AllZero wrote: @QueenJ wrote: Thanks for the assist! I haven't because I didn't notice it,  but will now;  I just googled the CU and found the address. I thought mailing a letter directly would yield better, yet I got no response back. I even tried speaking to a CSR about it and got nowhere.   Good luck. Google can be a good search engine for the CEO. Keep trying, it's all about the saturation technique.   From BrutalBodyShots The Saturation Technique: Best GW adjustment odds. For sure! I did find some info, but I'm not sure if it was current because he was then listed as the director of the board somewhere else and not the current CEO. Regardless though, here's hoping the emails get some positive results. This definitely could take some time but it'll be worth it.  ... View more

@QueenJ wrote: Just emailed the CEO. I have one 30-day late derogatory because of dealing with covid during the months of January - March and forgot to make a payment, which I thought I had made. In being semi-obsessed (LOL) with reading all the threads of this forum, I am very familiar with the recommendations of auto-pay; however, I was not in positions where auto-pay was feasible with the level of debt my family and I had to manage.   Matter of fact, in the spirit of the goodwill saturation - I emailed everyone listed on link sent by AllZero  ... View more

Just emailed the CEO. I have one 30-day late derogatory because of dealing with covid during the months of January - March and forgot to make a payment, which I thought I had made. In being semi-obsessed (LOL) with reading all the threads of this forum, I am very familiar with the recommendations of auto-pay; however, I was not in positions where auto-pay was feasible with the level of debt my family and I had to manage.   ... View more

Thanks for the assist! I haven't because I didn't notice it,  but will now;  I just googled the CU and found the address. I thought mailing a letter directly would yield better, yet I got no response back. I even tried speaking to a CSR about it and got nowhere.   ... View more

@FinStar wrote: CLI requests are HP (TU) for any Barclays CCs, unless you receive an auto-CLI.  CLI amounts will vary and are profile-dependent. Anyone has any further DPs or can direct to another section with more detailed info please?  ... View more

What did you end up doing? ... View more

@Anonymous wrote:  happy holidays to everyone! i have not been on this forum for quite a while, so i don't know if this has been a topic of conversation as i did not do my research prior to making this post. anyway, i was pleasantly surprised by an auto cli i received on my apple card today! the statement closed yesterday and i paid off the $600 something balance and my credit limit was increased from $6,500 to $10,500! i was so shocked i thought it was a mistake. my last credit line increase was a couple months ago, from $4k to $6.5k but i had requested it myself. i didn't know they were doing auto cli's.. i'm shocked to say the least but that big surprise definitely made my day!  Congrats! Thats one of the cards I'm thinking of getting this year.  ... View more

@AllZero wrote: @QueenJ wrote: OMG FINALLY...after weeks of updating myself on new DPs for navy and remembering old ones, I've finally reached the end!!! Thank you all for the continued dedication in giving us credit noobs much needed info on breaking the navy federal bank 😂😂😂 Do you mean you read this entire thread from begging to end? If so, congratulations! Nah I would still be reading lol. Just a few hundred or so. Haven't been on the forum in some time now and needed to catch up to re-educate myself on the ins and outs of navy.  ... View more

OMG FINALLY...after weeks of updating myself on new DPs for navy and remembering old ones, I've finally reached the end of this thread!!! Thank you all for the continued dedication in giving us credit noobs much needed info on breaking the navy federal bank 😂😂😂 ... View more

Congrats!!! As all things can be relative and just out of curiosity, if that's a decent SL for you, what's a great one?  ... View more

Sweetness!!! ... View more

Amazing story @KellieSquared! Keeps me motivated with my credit repair plan. ... View more

Thanks for the feedback ... View more

Since December, navy has put a Fico score each month for me. Have they changed their policy of bimonthly ARs to monthly now? ... View more

OP here’s how I helped my brother establish his credit with navy within one year. He had no credit to speak of and when he first applied to navy, he was turned down. We then went into plan B mode and he got credit approved with credit one and cap one. They were low SLs but in the first six months I told me to uiltize them frequently but always PIF since they’re low limits and you don’t want to be carrying balances having low limits. When we reached the end of the six months, he had earned a credit score in the 600s, so I had him then re-apply for a navy CC. He was approved for $500 CR and was pretty bummed but I told him have faith in the process and keep up the good work to NEVER BEING LATE on a payment - no matter what. Not to mention, I re-enforced the fact that navy will take care of you if you do right by them. After another six months go by, he applies for CLI on CR and gets a bump to $800-1000, but he really gets his socks knocked off when applies for the platinum card and get a $15000 SL; he was grinning from ear to ear lol. Yeah, navy is awesome!!! And now, he see that. ... View more

I noticed the same OP. When I would log into the chase app it would show the image of the card I have, but now the image is of a silver card. Was also curious why the change. ... View more

@Anonymous wrote: @QueenJ wrote: I never signed an agreement it was all done by phone.  Last payment was in june which is around the time it fell off my report as well.  Im in Fl.   Thanks @Anonymous wrote: @QueenJ wrote: The collection agency is enterprise recovery systems.  So even tho the 7 years have passed they can put it back on my credit report? argggg.  i was going to call them but wasnt sure by me calling if it would do any damage.   Thank you If 7 years have passed - then its Zombie debt. Past the time limit for it to be reported. Ordinarily I would recommend the FOAD letter. BUT - the fly in the ointment here is you having made payments and then stopping those payments. That *can* establish a new SOL that you can be sued for depending on your states SOL laws. This is referred to as a "reset of the SOL", often confused with the reporting time limit, but that is unrelated. Did you sign a repayment agreement? 12 states require a written repayment agreement (California is one that I know of) to be signed by the debtor for the reset to occur. How long ago did the payments stop and how much was owed?   How much of a balance remains? You need to research FL laws about SOL, perhaps a consultation with an attorney is needed to find out where you stand legally with this. $3200 ... View more

I never signed an agreement it was all done by phone.  Last payment was in june which is around the time it fell off my report as well.  Im in Fl.   Thanks @Anonymous wrote: @QueenJ wrote: The collection agency is enterprise recovery systems.  So even tho the 7 years have passed they can put it back on my credit report? argggg.  i was going to call them but wasnt sure by me calling if it would do any damage.   Thank you If 7 years have passed - then its Zombie debt. Past the time limit for it to be reported. Ordinarily I would recommend the FOAD letter. BUT - the fly in the ointment here is you having made payments and then stopping those payments. That *can* establish a new SOL that you can be sued for depending on your states SOL laws. This is referred to as a "reset of the SOL", often confused with the reporting time limit, but that is unrelated. Did you sign a repayment agreement? 12 states require a written repayment agreement (California is one that I know of) to be signed by the debtor for the reset to occur. How long ago did the payments stop and how much was owed?   ... View more

I've gotten new reports and its not on there.  They called me today and i hit the pick up button by accident.  They asked if i could pay in full i told them im pretty sure i have paid that debt already and its over 7 years old she said your last payment was in June.  I asked her to send me a detail letter showing starting debt all my payments and current balance.  she stated so you are disputing this debt? i said yes she said ok asked couple verification questions and said ok good bye.  Im not sure what happens next.   Thank you ... View more

Its actually National enterprise Systems. ... View more