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My Creditor is Helping Me Thread. #TeamMyFICO

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Frequent Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

 @Namaste7  @FireMedic1 YMMV, but PPMC is waiving interest fees for 1 month and lowering the min payment due.

 

Discover offers 0% APR for 12 months, which is interesting bc I tried a few months ago and they said that they can't bc my acct's less than 1-yr-old and that's their policy. Guess they're being lenient.  

 

The Discover rep said that the 0% APR for 12 months is just a promo on my acct and they're not lowering APR bc of coronavirus; they're only allowing ppl to skip payments.

Message 71 of 270
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Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO


Randolph-Brooks FCU wrote:
If you are an RBFCU member facing financial difficulties because of the current public health crisis, we have several ways we may be able to help. Please contact an RBFCU Member Service Specialist at 1-800-580-3300 to discuss available options:
  • Penalty-free Certificate withdrawal: Eligible members will be able to withdraw, without penalty, an amount equal to two months net pay.
  • Waived late fees on payments for Consumer and Mortgage Loans: Please note, your late fees cannot be waived until they have been assessed at the 15-day mark.
  • Skip-a-Pay on Consumer Loans: Eligible members with a Vehicle Loan or Personal Loan will be offered a one-time use Skip-A-Pay option through their Online Banking account. Eligible members will also be offered Mastercard ® Skip-A-Pay options in March or April. If you aren’t offered a Skip-A-Pay option, please call to discuss a payment arrangement request.
  • Extensions on Mortgage and Commercial Loans: Please contact us so that we may identify what options might be available for your unique situation.
https://www.rbfcu.org/news/rbfcu-information-regarding-coronavirus-disease-covid-19

Message 72 of 270
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Frequent Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

@FireMedic1

 

Last Updated 3/23/2020 @ 05:05 PM Eastern Time

Considerations

  1. First column contains link to the OP for details
  2. Third column contains links to the companies site
  3. Due to text limitations, I could not summarize company offerings in the table *sorry*
Company (post reference)
COVID-19 Related?
Account typePayment Deferral
APR
Term        
Fee waivers
US Bank (1,2)YPersonal Loan 2.99%Up to 48 months 

US Bank (1)

NCC (new) 0%20 months 
Discover(1)NCC (existing) 0%Up to 13 months 
Discover(2, 3)YCC (existing)Y 1 month 
Boost Mobile (1,)YMobile    
Apple Card / Goldman Sachs (1, 2)YCC1 month   
Langley (1, 2)YHardshipY  Y
SCSCU (1)YHardshipY   
BECU (1,2,)YPersonal Loan (new) 0%Up to 24 months 
Ally Finance (1, 2, 3)YAutoUp to 3 months   
LMCU (1)YHardship     
Capital One (1)NCC    
Spectrum (1, 2)YInternet / CableY Up to 2 months 
Metro PCS / T-Mobile (1)YMobileY Up 2 months 
Chase Auto (1,2)YBankY Up to 3 months 
PenFed (1) Auto & Other***Y 1 month 
Chartway FCU (1, 2)YHardshipY   
Unify FCU (1)YHardshipY   
SDCCU (1)YHardshipY Up to 3 months 
Cox (1) Cable    
GEICO (1)YInsurance    
Summit CU (1)YHardshipY   
Summit CU (1)YLOC - newY - 90 days5%6 months 
Toyota Financial Services (1)YAutoY 2 months 
Navy FCU (1)YHardshipY   
AMEX (1)YBank   Y
Golden 1 FCU (1)YHardshipY Up to 2 months 
Library of Congress FCU (1)YHardshipY   
FirstTech FCU (1)YHardship    
Randolph-Brooks FCU (1)YHardship    
       

 

 

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


Last spade:Current spade:
Message 73 of 270
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Frequent Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

In response to the Spectrum: I contacted them via chat and was told the account has to be in default to be considered for any type of relief or discount.  Was told that there is a 45 day grace period for payment in general.  Thought I would share.

 

EDIT: Link provided says new customers only for two month promotion. 

Present Day...Equifax: 767, TransUnion: 789, Experian: 753
Sept. 2016...Equifax: 652, TransUnion: 608, Experian: 597
PenFed CLOC: $500
Message 74 of 270
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Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO


@JAG73 wrote:

Nice spreadsheet @Namaste7 

Thanks to all who contributed data.


Thanks for the updated spreadsheet @Namaste7 . Will make the change on Page 1. Finally got to sit still for more than an hr.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 75 of 270
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Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO


@Remedios wrote:

@SouthJamaica wrote:

@Remedios wrote:

@cr101 wrote:

@Remedios wrote:

Okay, I'll start

US Bank is offering a personal loan with 2.99% apr for amounts $4999.00 or lower, up to 48 months. The only drawback, it must be finalized in the branch. 

 

 


Smiley LOL how funny. i guess they figure if they're willing to risk death or hospitalization, they must really need the help, so let's give it to em


As someone who risks getting infected every day, as someone who's been in contact with at least five infected patients, as someone who risks bring this home to my children every day, and as someone who would care for you should you get sick before me, I totally and utterly fail to see what you're finding so funny. 

Right when I thought I've seen it all ...


I think you should lighten up on this one @Remedios 

 

@cr101was just pointing out the stupidity of requiring someone to come into the branch personally to get the loan when social distancing is what is appropriate


I dont need anyone ficosplaining to me what someone else  typed., which emoji they used, and what they meant. 

If you read what I said, you'll notice that social distancing is not an option for me, not for about 12 hours, 5 days a week. 

A branch is by far safer for me than work.

We really going to stoop down to "oh you so desperate" talk, when people stand to lose everything they have, even lives for some? 

 

This is now going off topic, be it lenders helping, or some mocking lenders for helping, or mocking those who took help.

 

Please bring it back to it's intended purpose, and if anyone wishes to start a thread with more negative tones and under tones, they are free to do so. 

 

 


+1 WITH @Remedios . I didnt start this thread for comments other than people who need help who lost their job for now, or are going to be laid off, get behind on their credit bills, whatever hardship may come their way. It is to see which creditor is going to step up to the plate and help their customers. I'm no Community Leader, Mod or whatever. Lets keep it on topic. Post what could be of help to another member. Some will keep it to themselves and not admit it in the open to us they're on the cliff. Could be a lurker who will never join here. We just dont know. We are a team here to help one another. Letskeep it that way please. Thanks, Greg





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 76 of 270
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Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

@Namaste7  I tried to add the above to Post#1 but it exceeded 20,000 words. So a link was placed to this page so others can see it. Didnt want to erase the hard work you've done so far. So very much appriciated for helping out!!!!!!!!!!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 77 of 270
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Mega Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

 

Thank You @FireMedic1 & @Namaste7 for your hard work in putting this togetherSmiley Happy

 

Message 78 of 270
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Valued Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Kudos for all who are sacrificing for the cause of easing things for all during this crisis.

FICO 8: EQ 800; EX 797; TU 793
Message 79 of 270
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Established Member

Re: My Creditor is Helping Me Thread. #TeamMyFICO

That's not bad at all, considering they aren't huge multi billion dollar corporations like AmEx or Chase

Message 80 of 270
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