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About spellboundfox

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    Springfield, MO

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  1. Hello! I have a repossession on my credit report from 2008, and a judgment entered for it from 2010. (Yay, divorce!) They have never actively tried to collect on it. Since it's been so long, I'm wondering if anyone has ever had success trying to negotiate on a judgment? Also, what steps can I take to protect myself and my bank account in communications with them? I'm willing to make payments to get it paid off because I really want to buy a house, but I don't want to be garnished. Thanks!
  2. Thanks for the response! I already have the regular webbank card... I'm wondering how long I should wait to apply for a credit card that's completely unrelated to Fingerhut. Like a Capital One card or something.
  3. Hello! I was wondering if anyone has any insight on graduating from the easy to obtain Fingerhut credit to a regular unsecured credit card? I've had the Fingerhut account long enough to make one payment. (This is NOT the Fresh Start program... it's standard Fingerhut credit.) How long should I do this before I try to apply for an standard unsecured credit card? Please let me know if I'm actually asking the wrong question. Haha
  4. Original Creditor is PFS... I actually just got home and looked in some old paperwork, and thatbis actually the car reposession from my divorce... I guess the name I remembered was a subsidiary or DBA. Are they allowed to keep "renewing" a repossession like that? That seems bogus...
  5. Is there a reason it would be showing up as new? That seems like a problem. Haha
  6. I was just looking back at old notifications on Credit Karma and saw one from a few months ago that said one of my accounts went into repossession in August 2014. The only repossession I've ever had was during my divorce in 2008. Does "repossession" mean something else entirely in this circumstance? Thanks!