@JustKeepSwmng wrote: Yup. I cannot possibly wait until May when I currently have no car.. I'll be getting something by Thanksgiving.  Right, you don't want to buy inJanuary thru mid-May, thats when the prices are higher,   Let me say this in a different way,ok. The first 5 months ,dealership raise prices. You want to buy a vehicle, last weekend in May thru December 31st. Best day of the month to buy a vehicle, is the last day of the month.    I use to work at a dealership for 7 yrs. The sales department had contests, on who sold the most units each month, winner received a bonus, with their check. That was how it was done, where I worked at, other dealerships may differ.   I found the carfax and cars app,  very helpful. You type in the make,model and year you are looking for. Then, it would show you the vehicles available, in the area you want. App shows accident info and value price. ... View more

The best time of year to buy a vehicle is around memorial day in May. The worst time is at the beginning of the year.Why? Because dealerships jack up prices,due to people getting their tax returns.    To find a car, at a price i could afford.  I tracked prices on cars.com and carfax. I watched how much $ the car, dropped in price by noticing their schedule of changes. Like some were weekly, biweekly,10 days, 3 weeks. Another helpful advice I used, that worked.  When I went in, I told them the price  i was willing to pay, it's called  "total price out the door". ... View more

I had a capital one CO, that went to CA. I did a PFD settled for less and was deleted.  Important keep your papers when you are paying the CA, where they agreed on the amount and to delete.  I say this because, a few years later a new CA was asking for more money, for the same debt I already paid.Luckily, I had the receipt, I sent it to new CA. I did this because, my states SOL hasn't passed yet.   Yes, capital one will forgive, I have 2 CC with them now😉 Good luck to ya. ... View more

Hi and Welcome to the myfico family 😉   What is the DOFD for both the OC (Capital one accounts)? You don't need date assigned for the CA's. Check out the link below, you'll find very helpful info there.🙂   I'll check back with y'all later. Enjoy reading/ learning.  What Steps Do I Take?Do I DV?PFD?   ,Frequently Requested Threads     ... View more

@AP wrote: The account was last active in October 2022. The amount owed is 3234.00. I called asking for a settlement and they offered 2800.00 which is a lot more than I expected 🙁.  Last day active, not sure what you mean by that.  You need to know, the last day paid followed by 30,60,90 days late and never paid again. Is this OC reporting? The CA? Or both? Also need to know your states SOL,that’s the time period they can sue and win.   Check out, the links below, should explain what you need to know 😉   What Steps Do I Take?Do I DV?PFD?Frequently Requested Threads ... View more

@AP wrote: Does paying a charged off account reset the 7 years in will remain on a credit report?     Hi and Welcome to the myfico family 😉 What is the DOFD, listed on your CR? Removal date begins from the the DOFD, your 1st missed payment that led to the account being charged off, not the date you paid it.  By showing the account paid, it will look favorable to future lenders. ... View more

A late fee is charged, if you pay after the cutoff time of the due date.    This is what happened to me earlier this year.I have a Citi bank CC, I paid at 1145pm on the due date.  Next month I received a late fee. I called said "No way it was late." They checked the time, gave me a refund. Lesson learned always check statements,  CCC'S are sneaky 😮 ... View more

@SRT4kid93 wrote: @LIGHTNIN    Can you elaborate more on this? Why do you feel having mentors as mods caused people to leave?   The Credit Mentors are not MOD's anymore. A third party company Khoros has employee that moderate the fourms here, along with other company fourms like paypal, Verizon  etc. I feel like when the new company took over, the new employed paid MOD's don't totally understand the fourms/boards here. The volunteer MOD's ( now called Credit Mentors)were unpaid and the boards was busy. We had aleast 2 MOD's on the boards at all times. I was a MOD here for 6 years, there's alot of work to do keeping the boards organized and running smoothly.   The CM's didn't have anything to do with members leaving. IMO,the new company just should've hired the volunteer MOD's that already knew how the fourms worked. 😉   ... View more

This thread started in 2023, which was the same time a software company Khoros took over monitoring the fourm. Then volunteered MOD's were changed to Credit Mentors. That's when I believe everything changed here on the boards. Many  of our great members left, about the same time. I think if the MOD's were hired from the fourms, the ones who live here, the fourms would come alive again.   A few months ago in May,a software company Ignite Tech had acquired Khoros,they use AI. I wonder, if anything will change? ... View more

@RowenMyBoat wrote: I’m back, was gone pet sitting for family for week and a half and situation has changed a little. Your recommendations now would be appreciated. I haven’t gotten up the courage to call anybody yet, but was going to call the nfcc.org place today, but not sure what to say. I am married but we live separate because his PTSD. If I call nfcc.org, since I’m married are they going to say with our incomes combined I make too much money for the creditors to do anything? What NFCC will do for you, will look at each CC debt and will advise you on ,what options are available for you. I don't know the policies at NFCC, pertaining with a married couple living in 2 separate residents. That is something y'all will have to discuss.  Meaning it depends on, if you deal with your finances separately or are they combined somehow. @RowenMyBoat wrote: Again, I am on SSD and my husband has been giving me $1500 a month but due to some other family members needing help, that’s going to change. Will I have to give them just my income or ours? He does have cancer, but the PTSD and the stress would be the real sob story, unless I want to continue to be verbally beat-down when he’s in a bad mood. Does verbal abuse caused by my high credit card debt qualify as a sob story? Or do I need to tell nfcc.org a sob story, or only the credit card companies if I were to call them directly? For the record, he has a heart of gold, it just fluctuates     Would not recommend telling a sob story, they only want to give you advice and options about your debt. 😉 I'll check back later, to answer the rest of your post.   ... View more

@Wassupp20 wrote: As of today, 77.50% IME, CCC's tend to get nervous, when the Util goes over 30%, even more as it goes higher.  Missed payments makes them nervous also.   If this 1 late is the only 1, then by all means, try very hard to get it removed.  As @JoeRockhead  said keep trying.  Call again,talking with a different person,  you may see different results. :) ... View more

@NoMoreE46  Thanks so so much for the help. I already sent a PM to @FICO-Admin , 5 or 6 weeks ago, no reply. Also sent PM to 2 or 3 other MOD'S, same no reply. Finally I posted this post and even flagged it for a mod to see it, still....Nothing🤔   I'm beginning to think the MOD'S are not human but AI generated  mod's. ... View more

@Wassupp20 Hey, I haven't forgot about you. My brother was just admitted to the hospital with ❤️ problems.  Gotta go... I'll text later tonight, when I have more time.   Oh and BTW..😮....so sorry forgot to ..... Welcome to the myfico family!😉 ... View more

I'm being balance chased , not by Syn but by Citi bank, I think it's because I was only paying minimum payments, Util was under 50%. DH needed a car causing me to redo the budget.  Then surprise Cap1 followed too, CLD. Meanwhile overall Util was under 30%.🤔 ... View more

Agree with @JoeRockhead 1k%.   How is the Util on this CC? ... View more

Have you tried again? Because it says "try again later".   I had a weird thing to happened the other day. I replied to a post, a red box came up said error. I had to retype, the whole post.    To be honest, I liked  it better when lithium ran the tech side of the fourms and the volunteer mod's  took care of the boards. Someone from lithium, as well as a few mod's were always on the boards, if not they were just one click away.  @KaLin  with lithium was Great!!   @ShanetheMortgageMan , glad to see you're still here. You were one of the old gang, when we first started here. 😉 ... View more

 Sweet, CLI !!   Congrats to YOU!!😉 ... View more

Hi and Welcome to myfico family!😉   Congrats to YOU!!👍 ... View more

@Credit_junkie98  sorry I'm late to the party here, but congrats on your approval!!   I use to work at a Ford dealership. I know, if you stand your ground with them, most of the time, you can get what you wanted!😉 ... View more

Congrats to YOU!!   I bet you are doing a myfico happy dance!!🎶🕺💃 ... View more

Hi and Welcome to the myfico family!!😉   Congrats on Cap one approval!! All of us was a newbie, when we 1st started here. Keep reading, learning and ask questions.  We are all family here, just a few may bite,LoL 🐈‍⬛️🐾🐾 ... View more

@gingerflower wrote: @LIGHTNIN Any updates on why chase had closed your accounts? The information I posted,  came from chase website.I don't have any closed chase accounts . Sorry if I gave you that impression.  ... View more

  Heres a few things I've found,  to why chase would've close an account for... suspicious activity or suspected fraud. Chase may review your CR's looking for negative financial behaviors with other banks. Too many credit lines opened in a short amount of time.  Over the limit fees. Significant drop in CS's.   You said you called chase and received no explanation to why they were closed.  I would suggest to call chase again and ask to speak with a manager or supervisor.  Hope you find out what happened.  If you do, please come back here and let us know. That would help others, in case they find their selves in a similar situation. 😉 ... View more

Have you not used your visa united club, in awhile? What kind of restrictions on your checking account?   Sorry for all the questions, just needed more information. 😉 ... View more

What the balances and CL's on each CC? ... View more

Congrats to YOU!!😉 ... View more

Sweet!! Congratulations!!😉 ... View more

Hi and Welcome to the myfico family!🙃   So glad you shared, your success after BK. This info will help others and give them HOPE, that there's a way back from BK.   Giving people HOPE is à amazing feeling for the person giving it and the people receiving HOPE!!💞 ... View more

Thanks for the news article!!😉 It was very important this happened, so they can calculate the COLA for SS/SSDI benefits.  ... View more