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since
07-11-2007
10-02-2016
nmorton79
Regular Contributor
195
Posts
3
Kudos
03-12-2009
04:16 PM
No takers, huh? I guess no one deals or has ever dealt with Chrysler Financial. Thanks anyway....
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03-10-2009
07:45 PM
Good evening to all.... Does anyone have any experiance with chrysler financial? If so what were your scores when you app'd, and the interest rate you received? (If you don't mind me asking...) I'm looking to buy the 2009 Dodge Journey...prolly not until the end of the year, tho...just looking to see what my chances could be.. Thanks in advance for your input
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03-03-2009
03:30 PM
Does the bill state whether its for a land line or a cell? I'm not sure what the SOL for a landline would be, but Federal SOL for a cell phone is 2 yrs(I'm not sure if its from DOLA or DOFD). So,if by chance its a old cell bill that you do find to be yours, legally they can't collect because it is outside Federal SOL.
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03-02-2009
02:45 PM
@Anonymous wrote: THank you for your quick response. I can guess that CR's is short for Credit Reports, but I'm hoping you can clarify the other abbreviations: EX's Experian GW Goodwill letters PFD Pay for delete DV's debt validation MOV's method of verification Thank you, kdg You will finds answers to just about everything here...good luck
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02-26-2009
06:14 PM
2 Kudos
Here's the link to an article that I just read on msn money about "secret" credit scores and how we should get our lawmakers to make it so that we as consumers get the rights we deserve when it comes to our credit. http://articles.moneycentral.msn.com/SavingandDebt/ConsumerActionGuide/tell-congress-no-more-secret-scores.aspx
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01-07-2009
07:09 PM
So...can you estimate about how many points that will bing you? I ask because I would like to PIF 4 accounts totalling $1045 when DH and I get our taxes done next month. That money is supposed to go into savings for the home that we are going to have built this spring, but I figure that it would be easier(and cheaper because there will be no interest or finance charges) to pay the money back to our savings than just watch the balances slowly go down over a 6 month period(as I had planned to pay my balances down by June-July). I know that every situation is different, but, I just wanted to know potentially how many points I could gain w/ 4 small accts going from just about maxed to $0 balance. Thanks all for any advice given.
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11-15-2008
08:00 PM
1 Kudo
@jmbfl wrote: @nmorton79 wrote: @jmbfl wrote: BTW: If you are forgiven a debt, the amount of the forgiveness is income. You may receive a 1099 form for it and have to report it on your income tax return! If you still owe it it is not forgiven and it is not income. You may receive a 1099 if more than $600 is forgiven, but you should not receive anything if less... Well since we are going to be technical about the matter: A 1099-C, Cancellation of Debt, is required to be filed for cancellation of a debt owed to a financial institution, ... or any organization having a significant trade or business of lending money if the amount forgiven is $600 or more. It is income to you and reportable by you on your income tax return regardless of the amount. If you actually have a cancelled debt I suggest you refer to IRS Publication 525 obtainable here: http://www.irs.gov/pub/irs-pdf/p525.pdf as there are certain exceptions if the debt cancelled as a gift or bequest to you, in bankruptcy proceeding, a mortgage debt, or a business debt. Message Edited by jmbfl on 11-15-2008 01:35 PM Thanks for the education...everyday I get a new wrinkle in my brain....anyhow, I was in no way trying to be technical as obviously there was more that I didn't know about and I am learning everyday just like everyone else on this forum...I got my info from Suze Orman(her show) and I don't recall her going into detail about cancelled debt. I found your response to be a little sarcastic. Please accept my most sincere apologies if that was not the case, but thats how it came across, so thats how I took it.
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11-15-2008
12:21 PM
@jmbfl wrote: BTW: If you are forgiven a debt, the amount of the forgiveness is income. You may receive a 1099 form for it and have to report it on your income tax return! If you still owe it it is not forgiven and it is not income. You may receive a 1099 if more than $600 is forgiven, but you should not receive anything if less...
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11-14-2008
10:48 PM
I forgot to add that if you except the deal, the OC's account will drop from all 3 credit reports all together(that happened in my case and for another poster here on myfico), so at least you wont have 2 creditors reporting for the same item, and, you should gain some FICO points once you have the card. The only negative imo, is that jefferson is slow to report(2-3 months behind...at least for me anyway)
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11-14-2008
03:26 PM
Jefferson offered the same deal for my imagine card, so I took it(0% apr and no annual fee...pretty good if you ask me...). I have to say that I have not had a sngle issue with this, and that I am 2 payments away from reaching my goal. I plan to ask for a PFD if I agree to pay the amount that they plan to "forgive". Once the balance of the card is paid, I plan to sock drawer the card.
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10-11-2008
11:09 PM
Hello to all, I have a few questions...Anyone is more than welcome to answer.... 1) If I have an account that was sold either from the OC to a CA or from CA to CA, is the company who previously held the account obligated to remove their entry from my credit reports? Or, can I have multiple listings for the same account on my credit? 2) I have made a payment arrangement with the CA OCWEN for a HSBC loan. in this arrangment, they are to debit $300 from DH's checking. First payment came and went with no probs, but now I am having second thoughts after hearing from multiple places that we are never to let a CA auto debit from a bank account. The reasons the we did it this way is because the CA stated that they were in the final stages of collection and were ready to sue, and DH has applied for a job as a police officer and they look at your credit history too. So my question is, can I notify the CA in writing to stop the auto debit, and then send a certified check of money order every month? Do they have to comply, or can they continue to do as per the agreement that we made with them? DH plans to close out checking account after I send this letter out, and we would feel much better if we knew that the CA didn't have that kind of access anymore. Much thanx to anyone taking the time to read and answer back. Any advice is greatly appreciated
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09-23-2008
05:59 PM
AJ25 wrote: nmorton79 so with the offer you accepted from Jefferson Capital does the imagine card tl still show as unpaid or have any negative remarks on your report. Also how is Jefferson Capital reporting since you started paying them. Thanks for the insight on your experience with them. Imagine has dropped off all 3 cr's altogether. As far as Jefferson reporting, thats the other that I forgot to mention(that I don't like) They are slow to report. Its now September and they havent reported past July yet. They do report as a collection that is past due. I'm not sure if they can do that since I've been holding up my end of the ageement. When I'm done paying them, I am going to GW them and see if they'll remove their entry from my CR if I agree to pay the amount that they're going to write off. I hope it will work.
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09-23-2008
02:02 PM
AJ25 wrote: Ok I have a credit card from Salute visa that is now with Jefferson Capital. I keep getting these offer from Jefferson Capital about rebuilding my credit with their Emblem card (fresh start program). What they do is give you an unsecured card with a 300.00 CL. My balance with them is 626 or so. the offer reads as follows: Program balance 624.49 (what I owe) Total payments to qualify 225.00 ( I would have to pay this first before they issue the card) They give you 12 months to pay it Remaining Balance: 212.00 (placed on the Emblem card) Part of outstanding balance is written off Now it goes on to say there is a 0%apr, but they enclosed the terms and conditions that say 18.99% (yikes) Has anyone seen this from this company before? Anyone try to rebuild credit this way? Is it legit or even a good idea? thanks in advance. I have a imagine cc that is now with them, and I was offered the same program. I took the offer, and, so far I have not had any problems with it. IMO, I think that it will work out in the long run for me. The only thing that I dont like is that the max cl will be $600
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08-22-2008
02:02 PM
bubbles0605 wrote: WOW! That is pretty bad I guess. My DH was denied also by credit one. Their letter said something about him not having enough tradelines open, and him not meeting the score requirements even though his scores at the time were ex 568, tu 598 and eq 608. My scores were way lower and I got mine w/ no problems, and I only had one tradeline like he did...go figure
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08-20-2008
02:43 PM
southernficoaddict wrote: We have an auto loan with WFAF that just hit 2 years with no lates. Our scores have come up any where fro 65-106 pts since April. We just got a call from WF offering us a Plat. Visa with a 5K limit and a 20 dollar AF. This is our highest CL EVER so I took it. Hey, I'll pay 20 bucks for a 5 k limit (right now anyway) Does anybody else have any experience with them and a CC? May I ask what your current scores are?
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08-18-2008
05:12 PM
llecs wrote: nmorton79 wrote: Good Afternoon to All... Does anyobe know where I might go to find out if a CA is able to collect in my state(North Carolina)? I tried the website of the AG and DOJ website. I am going to try the FTC website next, but after that I wont know where to turn. Thanx indavance for the replies and avice. All is greatly appreicated FTC is on the federal level, so unless the CA was barred from being in business by the FTC, then they won't help you with this (other than filing a complaint due to FDCPA or other issues). NC's Commissioner of Insurance handles licensing for NC. You can get the link from here: http://www.ncdoi.com/asd/asd_home.asp Thank you very much
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08-18-2008
02:08 PM
Good Afternoon to All... Does anyobe know where I might go to find out if a CA is able to collect in my state(North Carolina)? I tried the website of the AG and DOJ website. I am going to try the FTC website next, but after that I wont know where to turn. Thanx indavance for the replies and avice. All is greatly appreicated
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08-10-2008
08:23 PM
sidewinder wrote: You can get copies of the judgment by contacting the court it was filed in. If you were not properly served, then you can file a motion to vacate. I am not sure if there are any other reasons for filing. Yup...that would be it. We had moved to from NJ to NC before the judgements were filed. Any other creditor that was looking for us knew hat we had moved, so I'm not sure why we weren't served down here. Thanx for the reply.
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08-10-2008
04:11 PM
Another question... How can we get copies of judgements ordered? I tried to find the answer on NJ's state website, but I found nothing. Thanx again in advance for your help.
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08-10-2008
03:52 PM
Is there a way to get a judgement vacated, even though you don't live in the same state that the judgments were made? DH and I each have 2 judgements appiece. They were ordered in NJ and now we live in NC. One of my judgements is paid, but the other one as well as DH's 2 were ordered after we moved from NJ to NC. Can we try something here in NC, or would we have to file in NJ? If we have to go to NJ, we would file a motion to vacate providing that we pay the debts owed before we were to go to court. What do you think? Any advice is greatly appreciated!!
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08-09-2008
12:46 PM
Congrats on the Amex card!! May I ask what your scores are?
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08-08-2008
03:47 PM
Hi all, I hope to be in the 600 club by December. My current scores are TU 585, EQ 552, and EX 526 as of 08/04/2008. By this time next year, I hope to be in the 700 club. When I first started with my fico, my scores were in the very low 400 range (in 2005). Although I have made good use of the credit that I currently have, I really have not been serious about fixing the baddies until this point, so I know that I could have made so much more and better progress. Even though, I have been using myfico since 2005, I had not a clue about the forums until April of this year. I want to say thanx for the great advice that I have received by reading the postings here. It has been a tremendous help to get my scores to where thery are now!!! Message Edited by nmorton79 on 08-08-2008 06:47 PM
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07-30-2008
10:46 PM
Hi adamseve... Did you apply on line or in the store, if you don't mind me askin'?
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07-28-2008
08:54 PM
Hi all... I would like to know if you dont mind sharing, what were your scores when you applied, and which credit report did JCP pull? Thanx in advance for the input!!!
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07-25-2008
11:34 PM
I try google every day, but I cant find anything about the federal SOL. Is there a website that you (or anyone) knows about?
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07-13-2008
11:15 PM
Where can I find iformation on the Federal SOL?
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07-13-2008
11:02 PM
Thanx to everyone for the great advice...I'll be sure to keep you posted!!!!!
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07-13-2008
12:37 AM
Has anyone tried and had any luck with reopening accounts that went to collections or charged off? If so, may I ask who were the OC's and what the terms were? I hope I'm not implying. Your advice is greatly appreciated...thanx Message Edited by nmorton79 on 07-13-2008 03:40 AM
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