Lender made arrangements to push due date back, then reported me
Credit Info Center » Credit Repair
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2w ago
I have a personal loan, I'm mid divorce so I am having financial issues(hence the reason for the loan.)  I made payment arrangements for March and April...they were going to push march back to May first, and April back to June 1st, I was going to double up each month.  They told me they would move the due date.  Mid april, they reported me late.  I filed a FCRA complaint, they responded, then the FCRA closed the complaint.  What do I do next ..read more
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Rebuilding Credit Help
Credit Info Center » Credit Repair
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3w ago
HI all!  First things first this forum has been nothing short of amazing to find!  Apologies in advance for a lengthier post here.   Have gotten serious about rebuilding my credit and getting it back on track the last couple of months.  I am going to have to relocate for work in October so wanting to make sure I have a credit score that meets minimums to be qualified for a mortage.  My loan officer has told me I need a minimum of a 580 but ideally at least a 620 to have a better DTI ratio.     Last month I had 10 collection accounts that were with the fo ..read more
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Getting inquires removed off a so-called business credit card pull.
Credit Info Center » Credit Repair
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3M ago
There is a credit repair company that is getting inquiries for "business" credit cards removed because it's not permissable purpose to pull personal credit for what the banks are touting as a business card. This is a legitimate credit repair company, and they claim anyone can do it. Their parent company that aquires business credit for businesses even offer a do it yourself guide if you hire them. Is there any case law on this? Can you shed any light? It makes sense, but why haven't I heard of this before? A lawyer also told me he heard of it and it had promise ..read more
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Step by step fixing credit
Credit Info Center » Credit Repair
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5M ago
Hello guys is there a step by step on how to fix your credit guide somwhere ? Id highly appreciate it if someone could help me ..read more
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Whats next after you opt out of nexs lexis, core logic, innovis etc
Credit Info Center » Credit Repair
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5M ago
So just opted out of  Lexis Nexis Sagestream Corelogic Innnovis   THey said they would mail me something in the mail, what is next? Do I have to send dispute letters ? If yes where do I send to? top 3 creditors ? Is there a guide step by step on how to fix my credit.  ..read more
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Proof that the reasons they give you for yourcredit score are nonsense
Credit Info Center » Credit Repair
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10M ago
    Posted Friday at 02:37 PM (edited) I recently went to my bank's "credit watch" (it's free, so why not?) and pulled up my scores. This is "Vantage" (but FICO seems to run about the same) from Trans Union through Credit Karma (yeah, I know, FAKO, but FICO does the exact same thing). First, the information was pulled yesterday, Sept 7. Now, let's look at the reasons my 816 Vantage score is what it is:   They Say: Too many bankcard or other revolving accounts were opened recently The Truth: My most recent account of any type was opened September 2022. There was on ..read more
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Charge off on a charge off?
Credit Info Center » Credit Repair
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11M ago
I got on payment plans for a couple charge-offs. Just wondering if I fail to make the payments for some reason do they charge it off. Is there such a thing as a charge-off for a charge-off.   ..read more
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Credit Repair
Credit Info Center » Credit Repair
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1y ago
How can I contact dovly credit solution? I want to build a good credit score to get a loan My friends who contacted them have an increase score of 815 and no negative items anymore on there credit report ..read more
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Credit Repair - Removing Late payments
Credit Info Center » Credit Repair
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1y ago
Over the past few years I have gotten into a lot of financial problems and mismanagement of paying things on time. I am finally back on track, but there are several accounts that have late payment history etc.  What is the best/practical way to try to get those removed if possible.   i know this is a loaded topic, so helpful if any links within the forum available     ..read more
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SUPER EXCITED
Credit Info Center » Credit Repair
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1y ago
I haven’t been with PINNACLE CREDIT SPECIALIST for long at all however I got an excellent service…. I spoke with PINNACLE CREDIT SPECIALIST and he was attentive, knowledgeable and easy to speak with, during the conversation I explained my credit situation, I felt excited about getting my credit situation in order. I can’t believe what my eyes have seen on my credit report. They increased my credit score to 805 TransUnion, 808 Equifax, and 811 Experian. PINNACLE CREDIT SPECIALIST has made me feel like we were in my credit situation together, like we are a team. I’m super excited I sincerely rec ..read more
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