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My Creditor is Helping Me Thread. #TeamMyFICO

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Community Leader
Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Not creditor, but hefty bills, Cox is not charging for overages or shutting off service.

 

Also got this from Geico just now:

 

To better assist those impacted by the crisis, we are pausing cancellation of coverage due to non-payment and policy expiration, effective immediately. This pause will remain in effect through April 30, 2020. The ongoing situation impacts everyone, and we want our policyholders to have some peace of mind knowing we'll be there when they need us most. We're also prepared to offer maximum flexibility, including special payment plans to those who need it once normal billing operations are scheduled to resume.







Message 41 of 270
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Frequent Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

This thread is an amazing example of collaborative effort and exactly what I have come to expect and Heart about the MYFICO fam.
We often see the best of people in the worst of times, many thanks to @Firemedic1, @Namaste7 and everyone posting in the #TeamMyFico thread.  
The sense of community is comforting during what can feel like very isolating times in an increasingly precarious credit landscape. 
Stay safe. 

Message 42 of 270
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Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Email from Summit Credit Union:

 

Need money and flexibility now? We’ve got your back.

We’re offering a Get-Me-Through Line of Credit so you can borrow the money you need when you need it. If you have a Summit checking account, you can access up to $5,000. If you don’t, you can access a maximum of $2,500.

Both options include:
• Minimum credit limit of $1,000
• 5% APR* interest rate no matter your credit score – even if you don’t have one!
• 6 months to draw against your line of credit
• No payments due for 90 days**
• Payment calculated at 2.5% of the balance or $15 minimum (whichever is greater)
To open your Get-Me-Through Line of Credit, call us at 800-236-5560.

 


Worried about your upcoming credit card payments?
We’re making it easier.

Whether you have a Personal or Business credit card with Summit, you won’t need to make a payment in May. You’ll still receive a May statement showing zero balance due. If you have automatic payments set up but would like to skip your May payment, simply change your payment amount to zero in online banking or on the Summit mobile app.

 

 

Note: I asked for the "Get-Me-Through" line of credit. They do treat it as an emergency application, listing Covid-19 as the reason for the request. But they do take an ordinary hard pull on TU.


Total revolving limits 646000 (570000 reporting) FICO 8 EQ 712 TU 739 EX 727

Message 43 of 270
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Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO


@AllZero wrote:

Chartway FCU wrote:

We are committed to doing everything we can to meet your financial needs. We’re here for you with the solutions, support, and advice you need to manage your accounts. Our emergency assistance program can help you manage through the financial challenges you may face.

Chartway’s Emergency Financial Assistance Program:

  • Request to skip your loan or credit card payment(s)*
  • Request that we increase your line of credit
  • In addition, we are supporting our members by waiving Chartway ATM service fees.

*If your skip payment is approved, and you have an automatic transfer set up from another financial institution to make your loan payment, you will need to contact your financial institution and cancel the transaction for your payment. Interest will continue to accrue and payment(s) will be added to the end of the loan term, which may cause a reduction to GAP or Warranty Coverage. Other restrictions may apply. Speak to a Member Specialist for more information.


https://www.chartway.com/post/prepared_to_serve_you.html


I checked with Chartway about increasing the credit limit and it's false advertising; it's no "emergency financial assistance"... it's just a garden variety application for credit limit increase, with the hard pull, the underwriting, etc.


Total revolving limits 646000 (570000 reporting) FICO 8 EQ 712 TU 739 EX 727

Message 44 of 270
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Frequent Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

@FireMedic1 - Updated 3/21 at 12:15PM EST

 

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MMXX intentions: Listen, forgive, and be compassionate
My Garden Goal: Mortgage ready and below 5/24


Last spade:Current spade:
Message 45 of 270
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Valued Member

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Discover zeroed out my payment for one month.

Chase auto finance (Mazda capital finance) deffered for 2 months.

Toyota financial services auto loan deffered my lease for 2 months

BK Ch. 7 discharge: 06/18
Goal: 640 Across the board by 06/19 COMPLETE!
Goal: 700 by 2021!
Message 46 of 270
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Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO


@SouthJamaica wrote:

I checked with Chartway about increasing the credit limit and it's false advertising; it's no "emergency financial assistance"... it's just a garden variety application for credit limit increase, with the hard pull, the underwriting, etc.

Thank you for the clarification. I only copy and pasted. I didn't confirm.

Message 47 of 270
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Regular Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Y'all rule. Just messaged Discover. They said I could change my due date and skip the next payment. Also, 0% APR on new purchases for 12 months. Yyyyaassss!!

EFDE7B30-3882-4F2B-9D0A-4D5D3E166AF9.png

 


Starting Scores 7/19

Current Scores

HPs

REVOLVING LINES:

SOCK DRAWER:


INSTALLMENTS:







BK Drops: 2029
2020 Goals:
• [X] $10k revolving CL by 2021
• Apple Card (too sexy not to have) by 2021
• [X] Just one more cash back rewards card by 2021
• Student Loans (29, yes, 29 of them) out of rehab and default by 6/2020
• FICO 670 by end of 2020
• [X] PC Cap1 to QS 5/2020 - 100 days after opening; credit steps done 8/2020
• [X] PC Discover—to DiscIt 5% 3/2020
Message 48 of 270
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Mega Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO


@Back2Reality wrote:

Y'all rule. Just messaged Discover. They said I could change my due date and skip the next payment. Also, 0% APR on new purchases for 12 months. Yyyyaassss!!

EFDE7B30-3882-4F2B-9D0A-4D5D3E166AF9.png

 


 

They had given Me the same thing a few months back. Nice to have.Smiley Happy

My 2nd IT card turn's one year In April, it will be interesting to see what they will do on that one.

Message 49 of 270
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Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Navy FCU wrote:We’re Here to Help

As we continue to navigate and respond to COVID-19, we want you to know we’re here to help you through whatever the next weeks and months will bring. We were founded with a commitment to support our members in all types of economic environments, and this is no exception.

Our dedication to our members remains strong. Here's how we’re helping:

  • Waiving penalties for early certificate withdrawals 1
  • Providing loans, extensions and deferred payments

1 Excludes withdrawal requests made within six days of opening a new certificate.

Message 50 of 270
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