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since
11-30-2007
11-17-2021
fishbjc
Senior Contributor
3715
Posts
199
Kudos
06-04-2019
08:17 AM
Convergent can slap you with a collections account. That you do not want!!
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06-04-2019
07:57 AM
1 Kudo
My niece earns almost $300k and has trouble getting by. NYC is EXPENSIVE. Depends on where you live.
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05-31-2019
06:51 AM
sending you a PM
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05-28-2019
08:08 AM
1 Kudo
Oh boy. I went through something similar and here is how I knocked it down. I didn't buy anything that wasn't an absolute necessity. I sold whatever I could on eBay. Picked up extra hours. Let that 35% interest be your guiding force.
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05-20-2019
08:15 AM
My sister paid off her Barclay's account. (or so she thought) There ended up being a small amount due of $25, which rolled into three late charges. How she has a 120 day late on her perfect account. Any suggestions? She's been working so hard after her horrible divorce and now this!!!! Just got away from her I suppose.
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Labels:
04-23-2019
09:30 AM
Ummm. HELL NO. Hire an Attorney if you have to. Get that apartment collections taken care of, stat.
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04-23-2019
09:29 AM
Hmm, you may gain a few points. What do you have to lose by trying to have it removed??
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04-23-2019
09:27 AM
Nope. Chase isn't very forgiving. There are better cards. Keep getting your score up and don't app for anything until it's where you need it to be for approvals. Return to look into which card may be willing to help you out.
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03-28-2019
08:15 AM
OP: Please consider getting into a debt repayment plan with the creditor. Call them and talk to them. When I had medical issues, I called each creditor who lowered my percentage down to around 2-5% for six months or so. Of course, you won't be able to continue to use that card, but it did help quite a bit during those months. You're going to have to raise your income up. Add another job.
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03-28-2019
08:11 AM
12 Kudos
Placed a small order with HSN Customer Service Rep. Said I was 'pre-approved' for a HSN card. I said yes, and approved with a 3500 limit. I don't buy a TON on HSN, but occasionally something grabs my attention. No hard pulls hit.
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Labels:
02-04-2019
07:16 AM
Those inquiries may give you an immediate 'denial'. We have an actual group for Mortgages, check over there.
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02-04-2019
07:15 AM
Something to be made aware of: My niece was AU on my parents cc. She had to remove herself as AU before the underwriter would address her application.
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01-31-2019
08:30 AM
1 Kudo
Bankruptcy may be their best option. They will have to stop paying on their cards and put that $ toward the fees. Maybe you can help them with a proper budget? TakeChargeAmerica is who I used once for debt consolidation. It really was very helpful to me.
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01-17-2019
07:35 AM
1 Kudo
Might have a better 'feeling' if you were to tell us who the creditor is. I feel that 99% of removal of 120day is a NO GO. However, I do know of one person who did have good luck getting it removed. But like Medic says: You have a better chance of being struck by lightening.
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01-08-2019
08:09 AM
4 Kudos
Credit and Finances aren't taught in school. If a parent doesn't 'guide' a child, this is how it can begin. It's great that you're looking to help her, however, this is a journey that is HERS. She needs to be reading (and I hope she is) these boards and studying the information. Good luck!
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12-27-2018
08:43 AM
1 Kudo
120 day baddies will hold you back for SEVEN years! (ouch, ask me how I know). Sometimes awful things happen to good people and this appears to be one of those times. At least be happy that you are taking control and moving forward toward a happy future. My advice is to follow someone elses advice, LOL. Good Luck and may your mortgage dreams come true!!!
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11-19-2018
08:37 AM
It's a knife to my heart knowing that you're now dead to NFCU. Is there anything you can do to pay them in full? They are fabulous to have in your back pocket.
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11-19-2018
08:31 AM
2 Kudos
you're 27. You have loads of time to get a healthy credit picture going. It is awesome that you're here to read and learn. Stay in the garden. Before any future app's......ask before applying for anything (please). You're trying for cards that seasoned members know you weren't going to get an approval for. Do NOT burn an app and take a hit for nothing. Get the medical removed and work that PFD Hard. Even if it's 10%-20% discount if you apply for a card.....do not do it. Stay the course. Keep reading and learning.
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11-19-2018
08:28 AM
1 Kudo
You can get the medical removed using WhyChat's formula. Google it. I had 100% success rate with a LOT of medicals, they even removed two I didn't know about! The forumula cannot be discussed on this forum.
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11-19-2018
07:54 AM
2 Kudos
as a side note, my husband is collection free and one 30 day late from three years ago. Still getting denials from some cards citing 'current late'. So, research BEFORE applying for any cards to see who slaps you for one black mark. Current average is 740.
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11-19-2018
07:52 AM
Your 'currents' are really current and you will be held back. Depending on how long ago the Collection was put on, you may gain just a few points. Three years is considered young for baddies. Keep working those.
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08-07-2018
07:06 AM
1 Kudo
Rebuild is not a fast process. That repo is really hurting you! Pay your cc balances down to below 10%, then see where you're at.
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07-31-2018
10:04 AM
Pay them off as you have been doing. Time will be your friend. Let them sit. After six months, they may see you've changed your ways and will play nice again. Just be patient. Can you get into Navy Federal? How about a local Credit Union?
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07-31-2018
10:01 AM
Quite likely the other cards will end up balance chasing you or closing you completely if/when they review your accounts. I'm sorry this happened to you OP. BAD things, do indeed, happen to good people. However, I would put my best foot up and try to get this resolved. Congratulations on your home and I hope you wife is doing well.
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07-16-2018
10:28 AM
It hurts you for seven years, however, you can get into the 700 club, but won't see anything close high 700's most likely. It's going to sting a lot. All you can do now is beg for 'goodwill forgiveness'....and hope it works.
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07-12-2018
08:14 AM
I believe Cap One is also doing HP's on all three bureaus for each CLI request.
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06-26-2018
09:28 AM
Definitely ck your fico score. Make sure your payment has cleared. If you score is around 630, I think you have a nice shot, but the limit will start small. Maybe $1,000, but will build nicely over time.
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06-26-2018
09:27 AM
If you repay NFCU their $5,000, you CAN get back in good graces with them. It's going to take time. Your initial limit may be small, but can build nicely with clean payments. It's great that you have a 'plan' and are looking toward the future. Congrats!
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06-26-2018
09:21 AM
Kohl's is funded by Capital One. if it's charged off, does Capital One still own it or has it been transferred to an agency?
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05-01-2018
08:32 AM
You are going to get hit with two hard pulls, be warned. One for the new account and one for an increase. That's TWO pulls for this account. Apply and see what they offer. I would immediately call and see what they can do for you on ONE pull. some have had very good luck!!!
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