cancel
Showing results for 
Search instead for 
Did you mean: 

Guidance needed. Buying a house in 6 months

tag
Anonymous
Not applicable

Re: Guidance needed. Buying a house in 6 months


@Anonymous wrote:

@Anonymous wrote:

Once you get two cards that show a $0 balance and one showing a small balance of less than 10%. That will immediately peak your scores.


Ok will do. Also I just called and had the card upgraded to the Quicksilver. Also I spoke to a gentleman in the credit specialist department that is going to try to push trough to have the 3 consecutive lates on both cards dropped. 


That would be a nice bonus - Cap One does not do that often. They tend to be a stickler for reporting.

Message 11 of 18
Anonymous
Not applicable

Re: Guidance needed. Buying a house in 6 months

Op- any update on UI? Im in Ct too and have a similar situation- was late, got matching payment program, payed $250 every month on time per plan, have one payment left to zero out balance. But they continued to report 90-120 day lates months after i made the payments, only recently switching to "ok" on credit reports, and acct now in good standing.

Im so upset to have that many recent 120lates! I plan on calling them first, but it seems hopeless. Worst case, i will dispute with 3cb.

Please update this thread if you have any success or failures trying to get this fixed. Best of luck!
Message 12 of 18
Anonymous
Not applicable

Re: Guidance needed. Buying a house in 6 months


@Anonymous wrote:
Op- any update on UI? Im in Ct too and have a similar situation- was late, got matching payment program, payed $250 every month on time per plan, have one payment left to zero out balance. But they continued to report 90-120 day lates months after i made the payments, only recently switching to "ok" on credit reports, and acct now in good standing.

Im so upset to have that many recent 120lates! I plan on calling them first, but it seems hopeless. Worst case, i will dispute with 3cb.

Please update this thread if you have any success or failures trying to get this fixed. Best of luck!

Hey I actually opened up a BBB complaint on Friday and its already closed. After some back and forth they agreed to help me out. 

Message 13 of 18
Anonymous
Not applicable

Re: Guidance needed. Buying a house in 6 months

Wow thats awesome to hear!!! Thanks for following up with me! Great job!
Message 14 of 18
Anonymous
Not applicable

Re: Guidance needed. Buying a house in 6 months

Mmm interesting. I tried to read customer reviews on bbb for them, but theres zero. Seems like maybe they really dont want any bad ones, so remove them after resolving issues for people. We shall see i sure hope im as lucky. UI lates are my ONLY baddies. I would be extremely grateful to correct some, even if only the one reporting incorrectly. Thanks! Best of luck on the house hunting!
Message 15 of 18
Anonymous
Not applicable

Re: Guidance needed. Buying a house in 6 months


@Anonymous wrote:
Mmm interesting. I tried to read customer reviews on bbb for them, but theres zero. Seems like maybe they really dont want any bad ones, so remove them after resolving issues for people. We shall see i sure hope im as lucky. UI lates are my ONLY baddies. I would be extremely grateful to correct some, even if only the one reporting incorrectly. Thanks! Best of luck on the house hunting!

Thanks so much,

 

Try to get them to understand your sitaution on a personal level. Also please don't throw me under the bus! 

Message 16 of 18
Anonymous
Not applicable

Re: Guidance needed. Buying a house in 6 months

Oh no way will i mention anything apart from my situation. No worries! I dont think it would matter anyways, and our situations are a bit different. Promise!
Message 17 of 18
debts
Valued Member

Re: Guidance needed. Buying a house in 6 months

Family mandan

go to the state public utility commission and file a complaint if they refuse to work with you on your bill or late payments. Every state has PUC. 

 

If if that don't work CfPb for utilities is absolute best, a lot better than state AG or BBB. 

My Scores
6/18/15

TU: 678
EQ: 640
EX: 639
Message 18 of 18
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.