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About LianaCCB

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  • Birthday November 11

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    Tampa, FL
  1. Hi Lola, Definitely start by looking at a copy of your report. You can get a free trial of Credit Check Total or ScoreSense which will give you all three bureaus. There may be an old late payment or something hanging on there which is why it was denied. It's also recommended to remove the security freeze before applying. It can give the impression that you've been a victim of Fraud and credit lenders don't like the F word. Start with a lender like Capital One to help build up your personal credit profile. The new Discover IT card is good for that, too. Open a couple of cards, make a purcha
  2. You can try and see if any of the other services have coupon code options. I know with Credit Check Total and ScoreSense, when you try to cancel they will offer you a lower monthly rate. I had CCT down to $7 per month for three full credit reports per month.
  3. There's a couple things you can do here - 1. Dispute the inquiries. Contact the credit bureaus directly and have them remove the inquiries because they were all from the car dealership and did not result in a loan. 2. For the collections, contact the original lenders directly and work out a repayment plan. I did this personally with a student loan that was deferred. I set up a repayment schedule, and after a couple months of good payment history, they removed the derogatory from my credit report. They want their money, and if you're willing to play ball, they will usually help you. 3. Pay of
  4. This site has some info on student loans in bankrupcy depending on if you filed Ch 7 or Ch 13: I believe it would depend on the state as to what they have you include when filing for the BK - if you don't want the loans to show as included since they were not, you should be able to contact the credit bureaus directly and have them update/remove the IIB status. If the student loan company isn't reporting it as such, the bureaus should update it fairly easily considering you can prove that the loans were NOT included in t
  5. If you know what state/county the civil suit was filed in, that might be the best place to start. If you know the location, you can contact the local District Court and get more information on who filed it and why.
  6. It's never a good idea. Any client I've had who has utilized a service like that has not had much success. Either the tradelines only last on your report for a brief period of time, or don't report properly. Lenders like to see that you're either a Joint User or Borrower on an ccount. If you have anyone who has added you as an authorized user to an account (family member, partner, spouse, etc.) you can ask them to make it a Joint account, which means you share responsibility and liability for the account. That will be factored into your FICO score. Or you can look into obtaining personal o
  7. Instead of disputing it directly with Verizon, you can dispute it directly with the credit bureaus. State in your dispute that you want them to obtain verification from Verizon that the debt is legitimate. Since Verizon cannot provide that, the bureaus should remove the collection from your credit report.
  8. Government shutdown didn't end without repercussions Article courtesy of "Credit Card Builders" Premium Newsletter. The government shutdown has ended – at least for the moment. But the first shutdown since 1995 did take a toll on the country. Of course, the shutdown occurred because House Republicans were insistent that new spending bills include language that damaged or eliminated Obamacare; while Democrats were just as insistent it remained intact. Most people only think about the billions of dollars that were lost, such as the estimated $24 billion in lost economic output; and $450,000
  9. AmEx is usually a tough lender to get - Bank of America or Discover are usually pretty lenient, as long as the BK didn't involve accounts with them. The best thing is to take good care of the accounts you have. Make more than the minimum payment (even if it's just $5 or $10 more) or pay off the balance in full whenever you can. The lenders will jump to up your limits because they see you're utilizing the cards responsibly and aren't relying on the credit.
  10. When I moved into my apartment and when I entered my current employment, they ran a background check but not a credit report. Ironically I work for a financial consulting office, and I had bad credit (thanks to student loans and being dumb with money when I was 18!) Thanks to working here I've gained an entire education on credit and have been able to utilize it to repair and rebuild mine. I think that credit report can be a judge of character, but it shouldn't define someone entirely for whether or not they are capable of performing a job.
  11. Interesting article about the dropping jumbo mortgage rates. Article credit: Credit Card Builders - Anyone who routinely pays relatively close attention to mortgage rates is aware that they’re on the rise these days. But what you might not know is what is going on with some specific rates. Jumbo rates (rates for a loan of more than $417,000) have come down significantly – to the point where they are nearly the same as a conventional rate (those $417,000 and under). In fact, according to the Mortgage Bankers Association, a 30-year conventional mortgage rate in mid