I'm excited, because much hasn't changed since 10 years ago when I originally started. Same PFDs and GW letters, etc. Scoring systems seem to be a little different but altogether similar. Also, quick question about whether I should allow my fiancee to add me as AU on her 5k CC with perfect payment history of 5 to 7 years or so? Or would it not make a big difference than the 2 CCs aging that I just got?
Get added on. Positive payment history will look good on your account. If she’s responsible with the CC as you said than I see no harm and getting added.
Do you think a good will letter would be acceptable to a mortgage company that reported negatives for almost an entire year while going through a loan modification? That was 1 year 5 mos ago but nonetheless its still a negative. Just wondering if good will letters are more for late fees.
Did last app with NFCU... Got approved! Excited about that. Working these PFDs and GWs to these 5 COs, and letting everything age. Do have a question about student loans appearing as US Dept of Edu AND as Dept of Edu Navient. Is this considered double reporting?
It sounds like your student loans were defaulted, in which case, the reporting would be correct. The original account holder *and* the collection agency can both report on a defaulted loan.