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Found 8 results

  1. I leased a 2015 Nissan Altima in 2015 with 77 miles on it. A few months after I bought the car I had a lapse in my insurance and during that time was involved in an accident, I was unable to drive the car anymore and was unable to afford to get the car fixed without the insurance. Eventually, the car was repossessed and I moved on. Shortly after they sent me a letter stating that I owed $26,913 on the car, this is also reported on my credit. I am now (4 years later) trying to buy my first home, but having this on my credit is really hurting my chances. Does anyone have any experience with
  2. Ok so, due to being ignored by the bureaus, i have sent my 3rd letter to all 3 bureaus warning them that i will be sending a formal complaint to the FTC, however i have never gotten this far. Can someone please assist me in writing a letter to the FTC about this.
  3. Excuse me as I am shaking as I write this. As many know I have been rebuilding for 4 months, my scores have gone from 550s to mid 600s across the board (FICO 8s),... I had MULTIPLE COLLECTIONS deleted, charge off from First Premier, and baddies. As of this morning, my last baddies were a Capital One CO from 2013 (only 2.5 years old, likely killing my score) and 3- 30 day lates for student loans in dispute from 12 months ago. I GWed Cap One for weeks, and got contstant denials ... UNTIL THIS AFTERNOON at 2pm. I kept getting the generic BS of "We can not delete inaccurate information blah b
  4. I have used the maximum amount of credit card limits if that makes sense. I have not maxed out each credit card but I have the maximum amount of credit limit allowed when you add them up apparently. My question is: I just payed off a credit card that had an $8000 limit. Will this help open up some credit that I can use. For instance I am now getting denied for credit card applications since I am "at my max" but will paying off the $8000 limit credit card help me? Any insight is greatly appreciated. Thanks.
  5. Hey all. I'm in a bit of a predicament. Let me start from the beginning: My daughter was born last February with an extremely rare skin condition. My mother agreed to help out by taking over my card payments. She didn't and waited until they threatened legal action to tell me. I called them and got the legal action dropped. Lesson learned, but now what? My credit rating is in shambles and I'm going to have to pay a ridiculous monthly payment to get back on track. My balance is almost $3,000 at this point and with a little one with a rare medical condition, I can't afford those kind of payments
  6. Hello all! Thanks in advance for any help. It's nice to find a public place like this to seek advice. I am curious how to best go about taking the next step in repairing my credit. Four years ago I went through a period of financial difficulty after closing my own business. I managed to settle a $2000 charge off with my debt collector thinking I was doing the right thing for my record. I now have this sizable black mark on my report I have been struggling to get out from under. I've had the good fortune in the ensuing years of learning a lot and becoming very gainfully employed. I o
  7. Hello all, been reading hundreds of posts from this forum and it has been inspirational as well as educational. I am in need of some specific advice however. I have been pretty bad over the years with collections and finance. I even had a chapter 7 bankruptcy back in 2005. Well I have had a good job for 5 years now ($90,000 a year). Still wasn't th ebest at paying stupid things however. For instance I have broken leases, broken cell phone contracts, medical bills etc I had not paid. Well as of last month I have paid every debt I have other than my car payment. My scores last month were 500,
  8. New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. T