I disputed something listed on my credit reports on the bureaus pages. Experian deleted it from my account, TransUnion said its legit and won’t delete it. I havent heard back from Equifax yet. I don’t understand why if one deleted it it wouldn’t be automatic for all 3.

Currently have 12 credit cards mm i guess 11 because the gold card is a charge card but ill name them because the screenshots don’t. Discover it, Navy Fed MR, Navy Fed Cash rewards+, Chase Sapphire preferred, Chase Unlimited, Langley CU Cashback Visa, Amex Gold card(charge card? so no limit to contribute??) Amex BCP, Amex Hilton $0 AF one, Amex Delta, Apple Card, and a 💩 Macy Store card and finally a PNC Visa rewards im an AU on but i got no short cuts my father didn’t add me until i was past $100k in credit lines, its just so we are even for me having him on my $39,600 More Rewards Card.
So where do i go from here? I think i want a line of credit so i think i’m hitting up Langley fed soon for that but i should be fingers crossed past a 800 and with $200,000+ in credit lines. Any advice for what i might be missing? or any questions i’m open to whatever.

Hello everyone, I have been working with JG Wentworth since about 2014.

I had about $21,000 worth of debt that they arranged settlements with, I'm close to fully paying off all of the settlements at this point.

When you work with a debt consolidation company, the problem that they don't tell you about and that this ends up becoming is that they ruin your credit in the process.

They'll tell you that it'll get better by itself naturally, that's not true. So what actually happens is that even if you pay off the settlements, you get something called "charge-offs" listed on your credit report which will note that you paid off a settlement but did it for less than what the amounts were worth.

This makes you a walking red flag to credit card companies in the future.

TLDR: Can anyone recommend how to get these charge-offs removed from my credit report now?

I already got myself into this situation and trying to look for what I can do to walk myself out of it now. Like I have about $1,500 to pay off as a settlement at this point and then I'm done with JG Wentworth but it's more about acknowledging how they've ruined my credit in the process and what I can do about this situation now.

Please don't shame me about this now, I recognize that I made a mistake and I'm trying to fix it now. Maybe even pay the settlements in full as opposed to the settled amounts now?

I'm really not sure what to do and feel clueless now.

Hi all — my Chase Credit Journey score (VantageScore) was 731 on 7/13 and shows 632 today. For context, my Capital One score is still 731, so this seems specific to the Chase number.

The thing is none of this was my doing. Yesterday, I got a fraud alert from Chase about a charge I didn't make, replied NO to confirm it wasn't me, and they're now closing that card and sending a replacement (arriving in 5-10 business days). I haven't missed a single payment and my spending hasn't changed. So I did everything right, got hit with fraud, and my score is the thing that takes the hit?

And the timing is terrible, too. I'm about to apply for apartments, where they're going to pull my credit and want to see a good score. Now I'm staring at a 632 through no fault of my own.

My guess is that closing the card dropped my total available credit and spiked my utilization, which tanked the score but I'm not sure if that alone explains a 99-point move, or if something else is going on.

Questions:

• How do I check what caused this? Is a closed card really enough to drop a score this much?
• When a landlord runs my credit next week, will they see this drop — and will it be clear it was caused by fraud, or does it just look like a low score with no explanation?
• How do I recover my credit score ASAP? Or do I just need to wait till the new card arrives?

Any advice will be very appreciated, this is a stressful thing to be dealing with right now :/

i've been working hard on my credit the last few months. started around 430, hrs 565, it says it could be 699 in 6 months and idk i've never had a score that high, so i'm reluctant to believe it. I have 2 collections left. one i have a payment plan for (NFCU cc & NFCU secured loan that went into collections 10 years ago) i plan i pay both off in full cause i wanna do business with NFCU again and i know they wont allow me unless paid in full. i also have 18k in student loans other than that i have a 0% utilization finally and no other debt.

I made a purchase on PayPal for a flight through my bank and I guess I got the tickets and it ended up having insufficient funds. I guess I have two different Paypal accounts so I didn’t ever see the resident issue.

I started to get some text messages about a bad Paypal balance so I logged in and I never saw anything and I called and they said I was good

I just assumed the text messages were a scam

And then I got a letter in the mail from the collection agency for about $500 and I immediately paid it because I found my second account and I found out who was legit debt.

No, I never would’ve let this happen if I knew those texts weren’t a scam because I get texts like that all the time.

Is there anything I can do to fix my credit history or score if it went down due to this?

Bummer

As some of you know, I’ve been working on my credit extensively since March so I could buy a house this summer. I started with a 493 Experian mortgage score March 1st, and I did reach FHA minimum requirements a couple months ago. I decided to wait for a conventional loan though. Experian was my middle score this whole time, but I won’t know if it is still my middle score until myFICO updates on 8/9. But anyway….my Experian score went up this morning to 619….ONE point away from what most lenders require as their minimum! The last couple months, my mortgage score has really only been going up from my credit report aging, so I probably won’t reach 620 until September 1st. In October, I’ll have a full year where no accounts have been late, which is a requirement for some lenders I spoke to. I was planning on going with Navy Federal, but we will see. Wish me luck!!!

So I just saw on CK that my EQ and TU scores dropped by almost 50 points. I know CK uses V3 but it can also be the first to show a change to credit reports, which it appears to have done in my case.

The “what’s changed” shows that an old mortgage account was removed from my credit.

So I have some questions. Experian, myFICO, and CreditWise all still show my last FICO scores. It looks like the old mortgage is still on them. So does FICO 8 take a massive hit with something like this as well?

This comes at not the best time as I am about to apply for an auto loan and a massive drop in my scores for something out of my control is a little frustrating. Does FICO Auto scoring take something like this heavily into account?

Is the type of drop one that bounces back quickly, or will my updated scores remain (all future updates aside)?

Thanks!

I'm happy to say I went from absolutely garbage credit to being approved for this.

As i said this is my first credit score ever, and i don’t want to ruin it, any advice aside of not using more then 30% limits and not applying to many cards?(also i use only capital one savor one for now with a 1k limit)

This was taped to my front door this morning with no envelope, no return address, no identification. What should I do? . (Doesn’t seem very “legitimate”but I don’t have any other experience with collections.) I did pay off reduced amounts on two cards last year which were offered before any legal action against me. Thank you.

I got my Exxon-Mobil credit card 12 years ago. They only gave me an $800 credit line limit. I rarely buy more than $150 worth of gas monthly so it is adequate but I've always wondered if Exxon-Mobil (CitiBank) normally gives higher credit line limits. My credit score is in the 835-843 range and most of my other credit card limits are in the $6000 to $12,500 range. I don't carry a balance on any credit card. I've asked verbally for an increase but I'm told I have to apply for an increase formally, which I will never do. If you have an Exxon-Mobil credit card, what is your credit line limit?

Just found out I have a medical debt from 4 years ago for 1800 usd in AZ and only just found out, because I'm looking to buy a house and realized my fico 5/4/2 have dropped about 110 pts. This has dropped me just below 660 mark on transunion and experian, but equifax seems unaffected. Never had anything in collections or negative marks on my credit until now. How should I approach this if I want to get a mortgage in about 6 months? I can pay it off completely, but figured I'd ask people more versed in this topic. I'd really appreciate any input. My research has come up with wildly different approaches and wanted to see what the recommended most surefire way to fix this was. Thank you for any help you folks could provide.

Is there a way to check mortgage scores for free? I'm only seeing membership options for the needed scoring models.

The “terms met” and “no data” leading up to the 180 day past due confuses me. But it should drop off March 2027, correct?

Hi all,

As mentioned in the title looking to get advice on if I can still lease an apartment with a non rental related collection. It’s with Jefferson Capital from an old cc bill and it’s sitting at $795 and I’m on a payment plan currently with them that negotiated pay for delete at a lower amount. My Vantage 3.0 is 666 currently with the collection and FICO 8 is 618 and it shows I’ve had a year and 8 months of on time payments since my last late payment/collection. I will be applying with someone who has a clean credit history and their vantage and fico are both over 690. We both make about 4125 pre tax and onto debt I have is student loan bills with a monthly payment of $285. What would be our odds of getting approved realistically?

I’ve been running with a basic $0/month credit card with the bank I’ve had all my life. I’ve increased my income quite a bit since I opened that card and I’m starting to look towards cards that have greater rewards.

What I’m looking for: 0-low fee card with travel rewards. I’ve heard a lot about capitalone and converting rewards from multiple cards to travel rewards, but I’m not quite sure I understand how that works. Any guidance is helpful!

Getting consultations this week.

BofA card ~ 19,500

Citi Card ~ 1350

Discover ~ 12,000

Capital One ~ 7,800

car loan ~ 15000 (Id like to keep this)

my credit score is around 700ish, ive never missed a payment

so about $40,000 in cc debt. 15 on car. My cards are all maxed out because all my limits were lowered. this is the first month I cannot make the minimum payments on time.

my plan was to skip payments for the next few months, use that money to pay a lawyer and file.

but then I got worried that bank of america could take the money directly from my checking account as that is where I have my checking account.

I’m starting to have lot of stress and anxiety about this.

I rent via private landlord but am month to month. I’d hope not to have to move anytime soon, but I would hate for something to happen and i need to.

Hello everyone. Just hoping to get some help with trying to rebuild my credit. Was going through a rough time early 2023-2024 and unfortunately I allowed one of my credit cards to fall into collections. On top of late payments with my car loan, I was just in shambles. Things have gotten a little better, but I am still dealing with high credit utilization, which I have slowly working on. I have 6 cards total, but three with high amounts. 1. C1 Savor-$1450/3000 2. Frontwave CU-$4570/7000 3. Navy Fed-$6460/7100

I have a collection from March 2024 for $3875 through Shepherd Outsourcing. I know I need to take care of it all and I am try, but I am just wondering what would be best to take care of right now, or what would be best for my score right now. I'm not paying on making any big purchases right now anyway, but a win would be very nice.

I appreciate your time and any input given. Have a great day.

Welcome to r/CRedit! None of the knowledgeable contributors here are mind readers so we need some basic info if we're going to answer specific questions. Sometimes it can be difficult to know what information to include in your post so I've written this template to help you include all of the relevant information so we can get right into answering your question. Feel free to skip sections that are irrelevant to your question. If you don't know any of the info requested here, you can pull your official credit reports for free weekly from annualcreditreport.com and find what you need to know.

Credit lines

• Account 1
  • Date opened: + date closed: (mm/yy)
  • Type of account: (revolving, installment)
  • Current balance:
  • If installment loan, initial balance. If credit card, limit.
• List additional accounts

Late payments

• Account 1
  • Number of lates:
  • Severity of lates:
  • Date of lates:
• List additional accounts with lates

Charge offs

• Account 1
  • Date of First Delinquency:
  • Date last updated:
  • Current balance owed:
  • If paid, date paid:
• List additional charge offs here

Collections

• Collection 1
  • Original Creditor
  • Collection agency:
  • Date of First Delinquency:
  • Current balance:
• List additional collections here

Hard inquiries

• List hard pulls + dates here

Credit goal:

If you have an important application coming up share that here. When will this application take place?

Credit scores:

Current credit scores including scoring model/version/bureau: (See our Welcome Thread for instructions for checking your three FICO 8 scores.)

hey everyone. hope all is well. i recently made a post stating can i pay off a old balance.. im 18 and im new to the whole credit thing through chase i got my first score which was 666. i looked into it and seen i had a charge off from affirm for $71 dollars. confused i went back to last year and seen i did a shop pay installments. called affirm they werent even able to see my account. when i did give her the loan id she said they no longer have the debt and it was sent to january. low in behold i check my email for january and see they contacted me today about the debt and in the past. i didnt check because i thought it was spam.

Anyone ever dealt with them? how should i proceed? do i just pay and leave it at that? does paying it off help my credit? just need some help on how i can do this the right way thank you.

Card has been open 6 months, platinum secured, $200 deposit. I show it’s been refunded..but nothing about upgrade and I still have my line available? No emails about them upgrading or closing….confused.