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Everything posted by queenofwands

  1. You can also download and use CutePDF writer for free...anything that you can "print" can be saved as a PDF. Another option! I couldn't post the link but just do a google search for it, super easy to find...
  2. I just checked Credit Karma for updates to my reports, and suddenly they are reporting a "new account" for a Bank of America credit card that was opened in 2000, with a $14k limit and $0 balance. This can't be mine. It is however showing that my utilization is waaaaay down now, so it sounds like it's an open account? But it didn't affect my overall credit karma score, which I find strange if it's an older open account with a high limit and no balance... How can I get more information about this? I have no clue which bureau is reporting it, and the bureaus have until 11/5 to respond to my disp
  3. Thanks Tom! I will look into my local credit union next. It also seems like by throwing an extra $100 on my secured card limit, my score has readily gone up every month. I'm not planning on paying anything towards the old debt. Everything but that midland acct is out of SOL. Outside of a judgement from 2007, the worst account will be falling off in March at the latest. I also need to research more on how to vacate the judgement. I'm in CA... When I take the Midland call, I need to tell them the call is being recorded right? And also, their number comes through on my caller ID as "unknown"...I
  4. Hello! I’m in the process of Repairing and Rebuilding my credit, and I’ve been lurking around these boards for about two weeks and reading reading reading! I’m hoping maybe a few of you veterans can look at my situation and make sure I’m on the right path? Long story short, had amazing credit 9 years ago at 22, until a deadbeat ex took advantage of that and ultimately caused nearly all my positive accounts to go negative (w/ exception of my car loan, sold the car but perfect pmt history and 13yo account). In 2006 my score was around 514. In July 2012, it was 596 (EX). I needed to lease a c