Topics with Label: bad credit

myFICO® Forums

I need some serious guidance with my credit, pleas...

by on Latest post on by

11 Replies 900 Views

11 Replies

900 Views

Charged Off Car Note - Please Advise (no insults)

by on Latest post on by

2 Replies 673 Views

2 Replies

673 Views

Labels

0 1
1037 1
1099-C 2
18 2
180 day grace period 1
19 1
19 year old 1
30 day 1
30 day late 1
524 Rule 1
700 club 3
800 4
850 FICO 1
AAFES 1
AAOA 9
Aaron's 1
access checks 1
Account 1
account closed 1
account clouser 1
Account Number 1
address 2
address change 2
adverse accounts 1
Advice 6
advice needed 3
affirm 1
age 2
age Credit closing card 2
Alaska airlines Bank of America 1
alert 1
alerts 6
Alias 1
alien 1
Alliant 3
ally 1
Ally Financial 1
amazon 2
Amazon Prime Rewards Visa Signature 1
amazon store card 2
Amazon Synchrony 1
American Express 10
american express platinum 1
amex 12
Amex 3xCLI 2
amex affecting fico score 1
AMEX APPROVAL BANKRUPTCY 1
AMEX BCE 1
Amex Blue Cash Everyday 2
Amex Blue Cash Preferred 1
AMEX cards 1
Amex Cash Magnet 1
Amex Cli 1
Amex credit increase revolvers 1
Amex Delta sky miles 1
Amex Gold 3
AMEX loan 1
amex platinum 2
amount you owe 1
and etc 1
Angry and Frustrated Scores dropped 1
annual credit report 2
annual fee 1
AOD FCU 1
apartment 1
Apartment Renting 7
app 3
App Spree 50
App spree Approvals Gardening 2
Apple 2
Application 3
Application approval 2
Application Help 1
application rules 1
Applications 2
applying 2
approval 5
Approval odds 6
Approvals 3
Approved 2
approved cli 1
APR 5
APR CLI 1
APR PLOC 1
arbitration 1
Arrival 1
assessed fees 1
AT&T 1
att 2
AU 5
AU anti-abuse 1
Authorized User 39
Authorized user is filing for BK 1
Authorized User. SSL. Auto Loan. 1
Auto CLI 1
Auto lease 3
Auto Lending 2
Auto Loan 15
auto loans 4
Auto purchase 4
Auto refinance 5
Auto repo 1
Auto-generated applications 1
automotive 1
Autopay 1
AZEO 9
Backdoor 1
Backdoor number for Recon 1
bad credit 2
balance 6
Balance Reporting 1
balance tracking 1
Balance Transfer 42
bank cards 1
Bank of America 10
bank trust 1
Bankcrupties Credit 1
Banking 16
Banking relationship 1
Bankruptcy 24
Bankruptcy and Credit Cards 2
Bankruptcy Chapter 7 4
Bankruptcy. Fico score 1
banks 2
banrupcty 1
Barclay Card 1
barclaycard 1
Barclays 3
BB&T Spectrum Cash Rewards 1
BBVA 1
BBVA Compass 1
BCA FINANCIAL SERVICES 1
best buy visa 1
Best Buy Visa Citi 1
Best Egg 2
BEST LINES OF CREDIT 1
bill 3
bill pay 1
billing cycle 1
billing error 1
bk 2
Bk 13 1
Black Market Surveillance 1
BMW 1
BOA 6
BOA Travel Rewards Approved 2
BofA 4
boost 2
boost score 1
Brokerage Account 1
Budgeting 5
build credit 2
Building 2
building credit 10
bureau 1
Bureau reporting 3
Bureaus not reporting credit lines 4
business credit 1
business line of credit 1
Calculation 1
cancel credit check total 1
Cap 1 3
Cap One 6
cap1 3
Capital One 25
Capital One CLI 1
Capital one QS 1
capone 1
CapOne Platinum 1
car 4
Car buying 1
Car Insurance 1
Car Loan 8
car note 1
Card 3
Card Acquisition Risk Score 1
cards 4
Care Credit 2
Care Credit CLI 1
Carrying high balance 1
CARS 2
cash 1
cashback 1
casino 1
casino credit 1
CB 1
CB reporting 2
CBR 1
cc 3
Cc charge off 1
CC Utilization 3
ccredit cards 1
Cct 9
Certified mail 1
CFA 3
cfpb 3
chapter 7 2
charge card 1
charge cards 1
charge off 15
Charge offs 9
Charge-off 5
Chargeoff 1
chargeoff paid 1
Charges 2
Chase 23
Chase Amazon 1
Chase Approval 1
Chase bank 1
Chase card help needed!!! 1
chase freedom 2
Chase Freedom Unlimited 1
Chase Sapphire Preferred 1
Chase Sapphire Preferred 30 day Message 1
Chase Sapphire Reserve 1
Checking 2
checking accounts 2
checking line of credit 1
checking plus 1
Chevrolet 1
Chexsystem EWS Credit 1
child support 1
Child Support Score Reporting 2
citi 3
Citi AAdvantage 1
Citi Best Buy 1
Citi Diamond 1
Citi Website 1
Citibank 5
Citizens bank 1
citizens one 1
Civil Judgement 1
cli 3
CLI Capital One 3
cli discover approved 1
CLI increase 2
CLI Synchrony 1
CLIs 3
cloc 2
Close 1
closed 1
closed account 1
closed accounts 6
closed credit card 6
Closing 1
closing accounts 1
closing cards 2
closing credit accounts 1
CO 2
CO account 1
Co-sign 3
Collecting 3
collection 9
collection account 6
Collection Agency 21
collection falsely reported 2
Collection Letter 3
collection removal 1
Collection reported in error 3
collection reporting 1
collections 32
Collections agency 1
Collections HELP 18
Collector verify debt letter 1
collectors 1
college 1
comcast 1
Comcast collection 1
Comenity 4
Comenity Bank 1
comparison 1
Complaint 5
consolidation loan 3
consumer complaint 1
consumer finance 4
Consumer statement 2
Contacting current creditors 1
convenience checks 1
Convergent 1
Corrections 1
cosign 1
Costco Anywhere Visa 1
Court 1
COVID-19 1
Cra 6
cra reporting 3
CRA's 3
credit 50
Credit & loan qualification 193
Credit age 2
credit alert 2
Credit application 2
Credit applications 1
Credit Approval 32
credit approvals 3
credit builder loan 2
credit building 7
Credit bureau 35
Credit Bureau Policy Changes 9
Credit bureau reporting 8
Credit Bureau Score Cards 2
Credit bureaus 10
Credit Card 98
Credit card applications 6
Credit card applications credit cards 4
credit card approval 2
credit card approvals 1
Credit card car 1
Credit card closed 2
Credit Card Consolidation 7
credit card debt 6
Credit Card Dec 2
Credit card denial 1
Credit card networks 1
credit card offers 2
credit card payment 2
credit card payments 5
Credit Card Payments to CR 3
credit card reporting 1
credit card reporting collections close account 1
Credit Card Rewards 2
credit card utilization 3
credit cards 25
Credit Check 3
credit check total 8
credit check total reviews 1
credit check total scam 1
credit checks 3
credit counseling 2
credit denials 2
credit disputes 5
credit diversity 1
credit drop 2
Credit education 106
credit file 3
Credit Fraud 12
Credit freeze 7
credit help 1
credit history 7
Credit improvement 3
credit improvements 1
Credit in the News 3
credit increase 1
credit increase request 1
Credit inquiries 3
credit journey 1
credit karma 12
credit knowledge 1
Credit Limit 15
Credit limit increase 32
Credit line 1
credit line increase 1
Credit Line Increase. 2
Credit Line Increase. Upgrade 1
Credit Lock 2
credit management 1
credit managing 4
Credit Mistakes 3
credit mix 4
Credit monitoring 77
Credit one 1
credit one bank 1
credit one closed 1
credit plateau 1
credit problems 2
credit pull 1
Credit rebuild 17
credit rebuilding 5
Credit Repair 17
credit repair help 7
credit report 57
Credit Report investigation 10
Credit reporting 68
Credit Reporting Agency 1
credit reporting and lowering credit line for no reason that i can understand 1
credit reporting error 4
credit reports 18
Credit reports collections 8
credit repot 1
Credit requirement 1
credit score 63
Credit score decrease 5
Credit score fluctuations 9
credit score increase 1
credit scores 18
credit scores dropping 7
credit scoring 5
credit scrub 1
Credit sesame 2
Credit simulator 1
Credit Tanked 2
Credit Tracker 2
credit union 9
Credit Union Eligibility 1
credit unions 5
credit usage 1
credit utilization 4
creditcard 1
creditcards 1
CreditKarma 2
Creditor 6
creditt 1
creditwise 2
CSP 1
Customer Service 7
customer trust vs. lender trust 1
Dark web 1
Dark web monitoring 1
Data Breach 2
data furnisher 1
data point 2
dates 2
dcu 2
DCU Credit 1
dealership 1
debit card 2
debt 16
debt collection 7
debt collector 3
debt consolidation 4
debt free 2
Debt Management 298
Debt Paydown 10
debt reorganization 1
debt repayment 2
debt revived 1
debt SOL 1
Debt to Income 6
debt validation 1
deceased debt 1
decrease 1
default 1
defaults 2
Deferral 1
delete 1
Deleting court records 1
delinquency 6
Deliquent payments 3
Denial 3
denied due to many inquiries 2
Dept Credit Consolidating 1
DEROG with UTIL% 1
Derogatory 6
derogatory mark 4
Derogs 1
digital wallet 1
Dillards 1
discharge 1
discoer 1
discount 1
Discover 10
Discover balance transfer 1
DISCOVER CLI 3
Discover IT 3
Discover IT Approval 1
Discover secured 2
discrepancy 2
dispute 19
dispute process 9
Dispute threshold 1
Disputes 46
Disputing late payment 2
diverse credit profile 1
diversified consultants 1
Diversity 1
divorce 1
document 1
DOFD 7
Dog Sitting 1
Dog Walking 1
Drivetime 1
drop in experian score 1
Dropped Scores 4
DTI 7
DTI ratio 2
due date 1
due dates 1
early exclusion 4
education 1
EE 2
Elastic 1
employer 1
Employer credit pull 1
employment 1
Enhanced Recovery 1
EQ: 761 EX: 709 1
equifax 48
equifax credit freeze 1
equifax dispute 4
Equifax Fraud dispute 5
Equifax free credit freeze 2
Equifax Updating File Recycled Social Security Number 1
errors 3
estimate 1
Etc... 1
eviction 2
Excel 1
Exeprian dispute online block 1
Experian 54
Experian app score 1
Experian Boost 2
experian FICO 3
experian phone number 1
Experian. Dispute. 9
Extra Income 1
Failed to Pay 1
failure to pay 1
fair collection 1
FAKO 10
Family 1
family financing 1
FCDPA 1
fco 1
FCRA 14
FCRA violation 4
FDCPA 2
fdcpa lawsuit federal collection agency 1
FED loan 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 23
fico 2 1
fico 4 1
FICO 5 4 and2 2
fico 8 9
FICO announcement 34
FICO announcements 4
fico definitions 1
FICO Essentials 1B 2
FICO July 2020: Eq-626 Trans-631 Exp-614 1
fico mortgage 1
FICO Score 356
FICO Score 3B Report 5
FICO Score 9 32
FICO Score changes 684
FICO score drop 1
FICO Score Model 1
FICO Score versions 235
FICO scores 5
FICO Scoring 18
FICO Ultimate 3B 4
Fico versions 2
FICO2 1
FICO8 Bankcard 1
ficoscore 1
finance 3
Financial Review 1
financial trouble 1
financing 3
First card 1
First Mortgage 1
first premier 1
First-time home buyer 6
fix 1
fixing my credit 2
flagged account 1
flex 1
foreclosure 3
Foreclosure & Short sell 1
forums 1
Fraud 81
Fraud alert 10
fraud attempt 3
fraud dispute 3
Fraud protection 1
fraudulent 3
fraudulent account 1
free 1
free credit score 2
free FICO score 1
free score 4
free trials 1
Freeze 7
freeze credit 5
Frontline 1
Frozen and fraud alerts 3
full credit history 1
Full File Disclosure 1
Fun 1
furniture 2
Garden 1
Gardening 5
garnishment 1
GC Collections services 1
General credit 15
General Credit Topics 3
General Question 6
good credit 1
good will 1
Good Will Letter 2
goodwill letter 1
Goodwill removal 2
Google pay 1
graduate loans 1
graduation 1
great sports 1
Green Card 1
growing 1
GW letter 1
h 1
Hacked 1
hard 1
Hard inquiries 10
hard inquiry 5
hard money 1
Hard Pull 10
Hard pull inquiry 5
hard pulls 1
hardpull 1
HELOC 5
help 14
Help Boost my Credit 2
Help ME!!! 2
help with collections 3
Help! 5
high credit utilization 1
high interest 1
history 5
HOA 2
home 1
home depot 1
Home improvement 1
Home Mortgage 1
Household Income 1
housing 2
Housing Payment 1
how many cc's 1
HP 7
Hunter Warfield 1
Hutton chase 1
I hate closing points 1
IC SYSTEMS 1
identity 4
Identity fraud 14
identity guard 3
identity theft 31
idk 1
illegal 2
immigrant 1
Impact 1
impact on future FICO 1
impersonation 1
improve 1
improving credit 4
Inaccurate info on report 3
income 1
Income Verification 2
incompetency 1
incorrect 1
incorrect reporting 3
Increase 5
Increases 1
initial limits credit union usaa 1
Innovis 2
Inquiries 22
Inquiries FICO score 7
Inquiries Summary 5
inquiry 12
installment 1
installment loan 9
installment loans 1
insurance 6
intent to sue 1
interest 3
interest fee 1
interest rates 2
internet 1
invalid debt 1
investigation 1
Investing 2
iphone 1
iphone loan 1
iphone upgrade program 1
IRS 3
IRS Scams 2
Item remains 1
ITIN 1
iup 1
joint account 2
joint borrowers 1
joint credit card 1
joint mortgage 1
journey 2
JP Morgan 2
judgement 4
Judgements 1
judgment 2
junk debt 1
Kohls 1
L 1
landlord 1
Large usage 1
Last Four 4 social security debt collector call verification 1
late 1
late alerts 1
late fee drop off 1
late payment 13
late payments 11
late reporting 3
Late to the Credit Party 1
Law 2
Law suit 1
lawsuit 4
learning curve 1
lease 6
legal 4
legal action 2
legal advice 1
legal fees 1
Legal timeline to a collection agency 1
lender 2
Lenders 1
lending club 4
Length of time account have been established 2
LexingtonLaw 1
Lexis Nexis 1
LexisNexis 7
lien removal 3
liens 1
LightStream 1
limit 1
Limit increase 1
Limited credit history 2
Line of Credit 7
lines of credit 4
LN 1
loan 8
loan and credits 4
loan applications 1
Loan approval 10
Loan company sold 1
loan payoff 2
Loanbuilder 1
Loancare 1
Loans 28
LOC 2
lock credit 1
low income 1
Low Scores 3
lower 1
Macy's Amex 1
Macy's Website 1
mailers 1
manufactured spending 1
many inquiries 1
Maryland 1
mastercard 2
maxed out 1
maximum 1
medical 6
medical bill 1
medical bills 4
Medical Collection 4
Medical debt 4
Medical debt collection 4
medical debts 1
Members 1
Membership 3
method of validation 1
mf 1
Mid cycle update 3
midcycle 1
Midland 1
Military Star Card Collections 1
Missed Payment. 1
mistake 1
mix 1
money management 1
money managing 1
monitoring 3
Mortage loan 3
mortgage 21
mortgage credit 6
mortgage credit raise score 1
mortgage default 1
Mortgage History 2
mortgage loan 10
Mortgage scores 1
Mortgage Transfer 2
Multi-charge off 1
Multiple reportings 1
My Story 1
myfico 11
MyFico 3Bplus credit report experience 2
Myfico account 2
Name Change 1
name variations 1
NASDAQ 1
national consumer assistance act 1
nationwide acceptance 1
Navient 1
navy federal 1
Navy Federal approval 1
Navy Federal Credit Union 2
Navy Federal Membership 1
ndc 1
need help 1
Need loan fast 1
Negative items or DEROG 167
Negative Remarks 3
negative reporting 2
nelnet 1
never late 1
new 2
New Account 2
new accounts 1
New approvals 1
New car loan while old shows balance 1
New CLI 1
new credit 3
New credit & loan 263
New credit & loans 3
New credit card 4
new home 1
New inquiry 1
new line of credit 1
new ssn 1
new to credit 3
newbie 3
Newegg 1
next steps 1
NFCU 12
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
NFCU CLOC 1
NFCU navy federal navy fed 1
NFCU shared secured loan 1
Nfcu visa platinum 2
NMAC 1
no credit 2
no credit history 2
no credit while paying family for home loan 1
No dv letter response 1
no explanation 1
no ftf 1
no hard inquiry 1
no hard pull 1
non-FICO credit scores 128
Non-FICO Scores 1
Nordstrom Visa 1
Not more than 2 payments past due 1
not reporting 2
not updating 1
nyc 1
NYSE 1
Of 1
off 1
off cycle update 2
Off-cycle update reporting Fico score improvement 2
old 1
old accounts 2
old debt 4
Old late payments 2
Online banking 3
only soft inquiry 1
Onsale 1
open 1
open credit 1
opt in 1
opt out 1
Opt-out 3
OptOut 1
Other 865
outstanding debt 1
p2p loans 2
paid 1
paid as agreed 1
paid medical debt 1
Paragraphs added.. For human consumption. 1
past due 3
past due bills 1
pay for delete 1
pay ment systems 1
pay off 1
pay off options 1
Pay-for-delete 1
paydown 2
Paying off debt 5
payment 3
payment history 6
payment method 1
payments 3
payoff 2
Paypal 5
PayPal Cashback MasterCard 1
paypal collection 2
Paypal Credit 8
pays as agreed 1
peer to peer lender 1
Pen Fed 4
Pen Fed approval 1
Pending 1
penfed 8
PenFed Auto Loan 1
PenFed Offers 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Perfect Score 1
persona loan 2
personal 1
personal finance 3
Personal finance apps 13
personal lines of credit 2
Personal loan 32
personal loans 9
pfd 2
phillips & cohen 1
phillips and cohen 1
Phone 3
Planning 1
Platinum Credit Card 2
Please Help 1
PLOC 3
PLOC APR REDUCTION 1
poor credit 1
portfolio 1
Pre Approval 6
Pre-Approval 1
pre-qualified 4
Premier Financial Credit Union 1
PRG 1
primary account holder 1
Primary card holder deceased 1
Privacy 1
private loans 1
problems 1
profiles 1
Propel. 1
prosper 3
Prosper Loan 1
public records 4
Question 20
questions 1
QuickSilver 2
quicksilver one 1
quizzle vantage 1
raise score 1
raising credit score up fast 1
Ratio 1
Rausch sturm israel enerson & hornik 1
Reaffrimation 1
rebuild credit 2
Rebuilding 21
Rebuilding and application advice 1
Rebuilding credit 16
Rebuilding Credit after Bankruptcy 3
Recon 1
recovery time 1
Redcard 2
refinance 4
Refinance of Rental Property 1
refunds 2
reinsert collection 1
relationship 1
relationship terminated 1
relationships 1
Remarks 2
remodel 1
Removal 4
Removal dates 1
removal from credit report 6
removal letter 1
removal of lates due to forebearance 1
remove 2
Remove State Liens 1
removed 1
removed collection 2
removing credit accounts 1
rent 6
rental 3
rental payments 1
renting 2
repair 2
Repay 2
Report 1
report discrepancy 6
Report freeze 2
reporting 27
reporting dates 4
Reports 8
repossed vehicle 1
repossession 4
resident 1
restaurants 1
Retail cards 221
Revenue group 1
revolving credit utilization 2
revolving line of credit 2
reward cards 1
Rewards 7
Rewards cards 259
REWARDS CREDIT CARDS 1
roommate 1
rooms to go 1
Rosenthal 1
Rover 1
run 1
RV loan 2
saferwholsale 1
Sallie Mae 1
Santander auto 1
Saving 3
savings 2
savings account 2
Scam 6
scams 3
sccu 1
scheduled payment 1
score 16
Score and bankruptcy 1
score boost 1
score damage 3
score drop 7
score impact 4
Score improvement 501
Score Improvement. 8
score increase 3
Score ingredients 75
score late 1
Score updates 3
scores 8
Scores increase 3
scores updating 1
scrores 2
SCT 1
SCT - easy come...easy go!!! 1
sd 1
secure credit card 1
secured 2
secured cards 2
SECURED CREDIT CARD 8
secured loan 5
security 1
Security Breach 1
security freeze 2
security-lapse 1
see 1
self 1
Self Lender 1
selflender 1
sesame 1
sesame cash 1
set to be deleted 1
settlement 3
Share lender credit builder credit loans 1
Shellpoint 1
shopping cart 1
Shopping Cart Trick 1
Shopping Cart Trick 2018 1
simulator 5
Sleepys 1
slow to report 1
small claims 1
Small claims court 1
sms 1
sms alertts 1
social security 1
sofi 3
Sofi personal loan 3
soft inquiries 6
Soft pull 9
soft pulls 4
SOL 1
SP 2
Spark 1
split file 2
split files 2
spousal fraud 1
spreadsheet 1
SSI 1
SSL 5
SSN 6
SSN Trace report 1
Star Card 2
State Tax Lien 1
statement 5
Statement close date 2
Statements 1
statue of limitations 3
statute of limitations 2
Stock Market 1
store card 2
store cards 3
Store Credit Cards 3
Story 1
student 4
student loan 8
Student loan age of credit history 3
student loan late payment 1
Student Loan Simulator 1
student loans 12
subprime 1
subprime cards 2
subscription 1
subscriptions 1
success 1
sue 2
sued 1
Sueing 1
Suggestions for BT card 1
sunrise credit services 1
superior rental purchase 1
SYNCB 1
Synchrony 6
synchrony bank 1
synthetic identity fraud 1
T mobile 2
target 1
Target Card 3
tax 2
tax lien 2
tax refund 1
TCPA 1
Tech Issue 1
Tequila Shots 1
Texas 1
Texas Debt Verification 1
Texas Guarentee 1
Thin 1
Thin File 1
third party debt collectors 1
Time since most recent account opening is too short 1
timeline 1
Timing 1
Too many credit cards 1
too many inquiries 1
too much available credit 1
tradelines 3
trades 1
traffic ticket 1
Trans-union TU score jumping 1
transunion 26
transunion dispute 6
Transunion TU score jumping 1
Transworld Systems 2
tranunion dispute 1
Travel cards 82
Travel rewards 2
TSI 1
tu 7
TU: 777 1
Tuition 1
TX 1
types of loans to keep 1
U.S. Bank 2
Ultimate 3B 1
Ultra FICO 1
unusual behavior 2
update 2
updates 5
upgrade 1
upside down 2
upstart 1
us bank 2
US Bank Premier Line of Credit 1
usage 2
utility 1
utilization 22
utilization decrease 1
Uverse 1
VA 1
va loan 4
vantage 3
Vantage Score 9
VantageScore 4
Variance between OC & collections dates 1
vehicle repossession 1
Verification 3
verizon 2
Verizon Fios 1
victim 1
Victoria's secret 1
visa 2
VISA cards 2
visa signature 1
Volvo 1
Volvo Financial Services 1
WagWalking 1
Walmart 1
Walmart Synchrony 1
wayfair 1
Wells Fargo 3
wells fargo dealer services 1
Wells Fargo Propel 1
when is it 30 days past due 1
Which first for least impact on credit 1
Why did my Scores Drop 1
without hard inquiry 1
without hard pull 1
Wondering 1
Worried on getting denied 1
worth card to apply 1
Wrong address 1
Wrong addresses 1
You Can Get to 850 1
young 1
zero 1
zero balance 1
zombie debt 1