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Credit Forum | Forum profile
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Forum profile page for Credit Forum on http://www.creditboards.com.
This report page is the aggregated overview from a single forum: Credit Forum, located on the Message Board at http://www.creditboards.com.
This forum profile page summarizes the general forum statistics such as: Users Activity, Forum Activity, and Top Authors, which are reported in either a table or graph below for a given reporting time period.
Additional forum profile information for "Credit Forum" on the Message Board at http://www.creditboards.com is also shown in the following ways:
1) Latest Active Threads
2) Hot Threads for Last Week
Warning: These statistics are generated using 'best efforts' and can experience delays and reporting errors at times. Please note that such statistics do not constitute a forum's popularity and/or exact posting volumes at any given reporting period.
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Posting activity on Credit Forum:
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Week
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Month
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3 Months
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Threads:
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1,079
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3,617
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10,225
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Post:
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6,871
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21,672
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57,970
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Credit Forum Posting activity graph:
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Top authors during last week:
user's latest post:
HSBC dispute with CRA
Published (2009-11-15 23:55:00)
QUOTE (AboveAverage @ Nov 15 2009, 09:39 PM) QUOTE (time2fix @ Nov 15 2009, 10:35 PM) QUOTE (hegemony @ Nov 15 2009, 09:00 PM) the 7 years is from 180 days plus 7 years from the first late/derog. does it show when it was first late? are you getting the dates from a hard copy mailed directly to you from the four major CRAs? Hardcopy mailed to me Im looking at shows same info that I saw online....
user's latest post:
offer to pay cc's in full
Published (2009-11-15 18:11:00)
It's possible it could happen, but I doubt it. If your current, your credit will more then likely not accept a settlement offer anything less then what the balance is owed. Now, if you were late, and near CO, that might be a different story.
user's latest post:
If you were the "FICO...
Published (2009-11-15 20:38:00)
I thought Lates went "away" after 3 years? We should recap the lesser-known ways FICO punishes GOOD Actions, as per FICO's model them being Bad. This is nice Theory.... but isnt the system set up for Profit? Also, there is that pesky Credit Card Act....
user's latest post:
Received an invitation to join...
Published (2009-11-15 16:14:00)
QUOTE (IndigoMoon @ Nov 15 2009, 01:48 PM) QUOTE (pryan67 @ Nov 15 2009, 01:29 PM) QUOTE (IndigoMoon @ Nov 15 2009, 10:38 AM) I got the postcard as well and I filed. I have 2 accounts from my BK that STARTED reporting in July 2009. I dispute, they remove- we do this dance every month. I would have qualified for FHA financing in August had it not been for these. What's worse is that they...
user's latest post:
Citi credit cards requesting info
Published (2009-11-15 16:18:00)
If they are asking for all that stuff, his chances are probably pretty good. If you don't mind providing the info, go for it. If you don't feel comfortable providing the additional info, don't.
user's latest post:
If you were the "FICO...
Published (2009-11-15 17:42:00)
I've always thought 5 and over accounts reporting a balance (even though I PIF) leads to deduction from FICO as ridiculous. Also, Inqs from non lending institutions such as utilities, phone etc should only appears as softs...
user's latest post:
Black Friday: Debit card...
Published (2009-11-13 19:57:00)
QUOTE (GEORGE @ Nov 13 2009, 06:32 PM) I'm glad I don't have to put up with excessive payments on "TOY" accounts Someday, I'll be past all of these crap limits and brother, that day cant come fast enough. Then, later, after experiencing the dizzying heights of 5 figure CLs, I'll join you in ubiquitous ranting after I get hammered with huge, baseless CLDs. In a lot of ways GEORGE, you are...
user's latest post:
Truecredit good choice?
Published (2009-11-15 08:27:00)
QUOTE (higher180 @ Nov 15 2009, 08:13 AM) I tried to go through the threads to see if I can find the information on truecredit. However, I couldn't seem to find it. I got a really good deal on truecredit(I think) for a 30 day free trial and 14.95 a month. Is it free daily pulls? Does it help with Eq bumpage? I used True Credit when I was working on my repairing my credit. It was convenient to check my score and reports...
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Latest active threads on Credit Forum::
Started 5 days, 16 hours ago (2009-11-11 14:33:00)
by Gudziel
It is impossible to get your EX score anymore. Sorry
Started 18 hours, 22 minutes ago (2009-11-16 12:26:00)
by BJHall
I'm searching for the same information, If you come across it please let me know. I am going through the same thing here in Detroit, MI. I even have it posted on my credit report but not all three, it not on my experian. I f i here anything I'll let you know.
Started 1 day, 9 hours ago (2009-11-15 21:00:00)
by hegemony
the 7 years is from 180 days plus 7 years from the first late/derog. does it show when it was first late? are you getting the dates from a hard copy mailed directly to you from the four major CRAs?
Started 1 day, 19 hours ago (2009-11-15 11:25:00)
by hegemony
not that anyone wants me to post, but you may be better off asking this question in the SL forum. IMHO there is no " good faith" from partial payments unless you have a written agreement stating as such.
Started 3 days, 23 hours ago (2009-11-13 06:55:00)
by pryan67
I'm assuming your credit reports are clean? If so...is it worth it to you to take the hit on your reports if you negotiate for less?
Started 1 day, 18 hours ago (2009-11-15 12:48:00)
by TrevorHere
QUOTE (Xecuter2 @ Nov 15 2009, 10:35 AM) Is anyone applying for the Schwab Visa lately? I know that it's more or less disappeared from their site. Just wondering if it's worth going for. One of the better cards...
Started 11 hours, 41 minutes ago (2009-11-16 19:07:00)
by greywolf
What area of the country are you in? There are some good regional banks in the Northeast (where I am), but they do not lend out of the region. Big banks are treating small business owners like lice, so avoid them if you can. Local and regional banks/CUs are the best option. Ideally, if you can get in front of a loan officer/Underwriter you are in a much better position....
Started 2 days, 10 hours ago (2009-11-14 20:37:00)
by mysschevous
Do you have any assets you need protected? If it were me, I think I would file BK if it were possible. I would advise you speak to an attorney to see what your options are. There are a lot of people here who have recovered nicely after a BK, and probably more who have toughed it out for as long as possible, and THEN had to file. It's a decision you have to make but make sure you don't ...
Started 19 hours, 1 minute ago (2009-11-16 11:47:00)
by Ron1
link: http://www.sys-con.com/node/1188188 Ron.
Started 15 hours, 59 minutes ago (2009-11-16 14:49:00)
by toopooor
QUOTE (vintagespeed @ Nov 16 2009, 02:30 PM) is there a strategy i'm missing here? Ya got me. I'm not closing my accounts that were CLD - in part because i worry it will lead to more CLD. My two CLDs both came soon after i closed accounts last yr (Amex) and this week (Juny and Boa - they took about 30K over the weekend too, closed one acct i barely used). BoA is reporting the...
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Hot threads for last week on Credit Forum::
Started 6 days, 13 hours ago (2009-11-10 17:26:00)
by gerray
If you signed all the paperwork you may be SOL. I would go up there now and ask for whatever manager is on duty and talk to them, the longer you wait (even if it until the next morning) the worse off you are going to be in trying to defend your actions! Hurry, go now!
Started 4 days, 10 hours ago (2009-11-12 20:08:00)
by GEORGE
QUOTE (Larsimo @ Nov 12 2009, 06:06 PM) DID I READ THAT RIGHT $12.00 LG WATER
Started 3 days, 23 hours ago (2009-11-13 06:55:00)
by pryan67
I'm assuming your credit reports are clean? If so...is it worth it to you to take the hit on your reports if you negotiate for less?
Started 1 day, 18 hours ago (2009-11-15 12:48:00)
by athensgaguy
FICO doesn't factor in income because that's not part of credit. It's the job of the lender to determine DTI and whether a debt load is acceptable. Maybe utilization on accounts with CL less than a certain amount should count less, but I don't think total debt should matter for FICO.
Started 1 week, 1 day ago (2009-11-08 21:56:00)
by hegemony
I have bad credit. my spouse on the other hand...
Started 5 days, 12 hours ago (2009-11-11 18:09:00)
by Jen23514
Started 2 days, 9 hours ago (2009-11-14 21:06:00)
by Sniper762
Started 3 days, 12 hours ago (2009-11-13 17:49:00)
by ChristiL
I believe that people on here are advising others NOT to call BoA for any reason.
Started 19 hours, 1 minute ago (2009-11-16 11:47:00)
by Ron1
link: http://www.sys-con.com/node/1188188 Ron.
Started 1 day, 8 hours ago (2009-11-15 22:22:00)
by Kevin22
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