Good will issue with my favorite bank
Subject: I tried a GW letter to my bank and was declined. History: I've been getting my loans through a small local bank since high school. I've had somewhere around 12 of them without looking at my report. The loan officer also graduated only a year ahead of me in high school. He is still my loan officer, but he is the Vice President of the branch now as well. I have a few bad dings of lates on 3 accounts, 1 particularly, that are from around 2005-2007 or so. Years ago. Since then I've been in my career and stable for 4+ years and counting. No lates at all but it shows 1 in 2008 for some reason
Categories: General Credit Tags: '60s, baddies, Career, days-late, favorite bank, goodwill, happened-within, imagine-the-30s, layoff, loan-officer, loans, local-bank, president, right direction, things-tracking, time apr, time mar, vp
NCO Hard Inquiry
I just bought my TU report and it looks like NCO did a hard pull of my report on 5/25. I have no collection accounts on CR from them. All of my baddies fell off as of 1/1/10, as they were all passed 7 yrs from DOFD. All I have left on all 3 reports is 1 medical collection (under $200) DOFD 5/06, whiich was last reported on Jan/07 from Alliance One. I keep getting calls from NCO, but have not recieved a dunning letter from them. I do not answer the phone and have never spoken to them. My only accounts , besides the 1 medical collection (Alliance), are all recent ones within the passed year, all with on-time payments.
Categories: General Credit Tags: baddies, baddies-fell, dunning-letter, keep-getting, not-recieved, only-accounts, Passed, Phone, report, reported-on-jan, started-at-655
Worth the GW? Impact of lates?
Hi all, New here to the boards, but no stranger to trying to get my credit and life back in order. Wanted to get opinions on writing GWs for a few accounts. Most accounts have single 30/60 days lates back in 2005.
Categories: General Credit Tags: bad rash, baddies, been-reading, boards, consumer's, cr, Credit, dispute-instead, few-consumers, get-opinions, great-people, gws, ing, Insight, score, smaller-impact, stranger
Now that all the baddies are deleted what is next?
I got the last baddie deleted two weeks ago now I started getting capital one credit card offers like every other day so did apply for two approved for one and denied for the 2nd. What should my next course of action be, should I just sit back make the payments on time keep uti very low or should I apply for more credit? am not too crazy about loans and would rather skip them if there is another way I can gain points without it.
Categories: General Credit Tags: another-way, baddie, baddies, capital one credit card, capital-one, credit-card, last-baddie, loans, more-credit, payments, started-getting, the-payments, two-weeks
Ever use PlanetFeedback? How long until they responded?
Hello: I have read where several folks have used PFB as a system to get multiple credit issues resolved. Most of the posts read that PFB contacted them within a day or two.
Categories: General Credit Tags: baddies, baddies-through, Couple Of Days, credit-issues, creditor, Experience, get-multiple, Hello, longest, posts, still-wanted, take-longer, the-creditor, the-longest, understand-some
high total of outstanding debt
First off, thanks to myFICO, I'm finally otw to good credit! I've lived 7 years in credit HELL and now I'm finally seeing my scores come up as all my baddies fell off! I pulled my report again today as my next to last baddy fell off and my score rose 20 pts to 644! YAY! My last one will be gone in about three weeks. Now looking at my myfico report, the high total of outstanding debt is the only thing that is "not good" on the FICO score ingredients. My question is, is my debt keeping my score down?
Categories: General Credit Tags: baddies, baddy, because-it-told, cl 500, Credit, credit hell, credit-card, credit-report, fico, fico-score, finally-seeing, installment debts, keep-it-down, myfico-report, report, revolving credit, score, scores, student-loan, will-it-ever
Portfolio calling during verification
A little history: I began the task of rebuilding my credit back in November. One of my baddies that came back verified from the big 3 is Portfolio Recovery. So, I sent them a DV CMRRR which they did not respond to.
Categories: General Credit Tags: baddies, balance, balance-owed, began-the-task, caller id, cmrrr, e mail address, eq, experian, from-the-big, from-the-first, green cards, hiccup, little-history, little-inquiry, mov, Phone, portfolio, procession, the-procession, truecredit
A word of caution regarding inquiries
I imagine that more than one of us have been tempted to fill out one of those poor credit auto loan applications that send out your info to the local dealers. Well, I was one of the people that was tempted
Categories: General Credit Tags: auto loan applications, bad news, baddies, caution, credit auto, different companies, dropped-down, E Mail, eq, fact, fill-out-one, good-news, info., mail local, People, poor credit auto loan, report, score
PLEASE, advise me on what to do to repair my credit…..
Needing help tackling these Baddies..... 1. First Premier/ Pinnacle Financial Group , is reporting CHARGE OFF balance of $440
Categories: General Credit Tags: arrow-financial, baddies, because-adding, cap-one, Credit, credit-reports, credit-score, equifax, financial group, first-premier, help-tackling, nco, pinnacle, pinnacle financial, reached-out, state, Thanks In Advance, these-accounts
My brother is loan mod’ing/debt cons., will it affect my additional card user/authorized user acct?
My oldest tradeline is an additional card user/authorized user account with AmEx, but unfortunately, my brother is currently starting loan modification and will be defaulting on a fair share of accounts soon, including his AmEx. My question is, will his baddies show up on my CR's as baddies
Categories: General Credit Tags: additional-card, amex, authorized-user, baddies, Brother, card-user, cr, debt cons, fair share, ing, its-immediate, loan modification, message-edited, old-tradeline, tradeline