| Posts by joshuaheckathorn |
| Posting date
| Subject |
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| Sat May 5 8:07:47 2012 |
You can dispute them all at once if you want to, .. |
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| Tue Apr 24 11:25:10 2012 |
Are the debts with collection agencies now If .. |
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| Tue Apr 24 11:18:08 2012 |
I agree- it can't hurt. There's really no reason .. |
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| Wed Feb 8 1:37:53 2012 |
I wouldn't say it's essential for someone who .. |
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| Mon Feb 6 5:41:43 2012 |
Your credit card balances are reported to the .. |
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| Wed Feb 1 11:27:55 2012 |
The OP said nothing about the debt being handled .. |
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| Fri Jan 27 3:41:47 2012 |
Once the creditor agrees to remove the negative .. |
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| Tue Jan 3 7:29:17 2012 |
Where do you bank Check there first and see if .. |
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| Thu Dec 1 1:54:24 2011 |
All 3 hard inquiries dinged your FICO scores, but .. |
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| Mon Nov 28 10:11:12 2011 |
If you have a $0 balance on all your credit .. |
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| Mon Nov 28 10:09:21 2011 |
The divorce decree doesn't trump the fact that .. |
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| Mon Nov 28 10:00:37 2011 |
Consumers don't have access to Experian-based .. |
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| Mon Nov 21 1:00:45 2011 |
Who sent you a letter
If the letter was sent .. |
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| Fri Nov 18 11:45:56 2011 |
Wait until after you close, and then you .. |
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| Fri Nov 18 11:42:28 2011 |
Nope, every lender is going to pull all 3 of your .. |
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| Fri Nov 18 11:40:43 2011 |
Glad to hear you're interested in building your .. |
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| Tue Nov 15 11:07:23 2011 |
I suggest avoiding any companies selling aged .. |
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| Tue Nov 15 11:03:41 2011 |
A PFD is ideal as it will remove all the negative .. |
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| Tue Oct 25 9:47:50 2011 |
The only credit scores you should really care .. |
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| Mon Oct 24 2:06:23 2011 |
@Yvonne- use the card sparingly (10% or less of .. |
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| Tue Oct 18 2:45:03 2011 |
@Kat - are you sure you actually cosigned the .. |
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| Mon Oct 17 2:07:38 2011 |
Yes, you can apply to add someone as a .. |
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| Wed Oct 12 9:35:56 2011 |
I'm sorry to say the damage is already done to .. |
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| Mon Oct 10 1:27:57 2011 |
NO!!! Why do friends tell friends these sorts of .. |
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| Thu Oct 6 2:21:35 2011 |
I'll assume all 3 of these medical debts are in .. |
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| Mon Oct 3 10:26:58 2011 |
I wouldn't worry too much about it. The soft .. |
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| Fri Sep 30 8:41:14 2011 |
Having your husband add you as an AU is a great .. |
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| Mon Sep 26 3:02:58 2011 |
There's a chance, but remember that the loan app .. |
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| Fri Sep 23 2:50:53 2011 |
How much debt are we talking about here My guess .. |
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| Thu Sep 22 9:37:36 2011 |
Give it at least 60 days. It should show up all .. |
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| Thu Sep 22 9:36:16 2011 |
He could, but probably won't unless your credit .. |
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| Wed Sep 21 10:13:32 2011 |
Yes, it's definitely worth looking into. Auto .. |
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| Tue Sep 20 5:09:27 2011 |
Apply for a card jointly and also add him as an .. |
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| Tue Sep 20 5:07:52 2011 |
Most lenders wouldn't report this as a 30-day .. |
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| Tue Sep 13 3:19:33 2011 |
Unfortunately, the divorce decree doesn't absolve .. |
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| Mon Sep 12 8:48:07 2011 |
It's possible to start seeing increases, .. |
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| Sun Sep 4 8:33:53 2011 |
Sorry Noenoeclue, gas cards don't destroy credit. .. |
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| Thu Sep 1 8:21:04 2011 |
There's actually no difference between a gas card .. |
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| Thu Sep 1 8:18:44 2011 |
Yes Shimmer, if your joint application for credit .. |
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| Mon Aug 29 10:55:55 2011 |
Your credit card companies aren't going to shut .. |
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| Wed Aug 24 10:37:01 2011 |
I agree- negotiate directly with the collection .. |
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| Tue Aug 23 10:50:47 2011 |
Paying down your credit card debt (revolving .. |
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| Fri Aug 19 9:32:28 2011 |
Your FICO scores will initially take a small hit .. |
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| Fri Aug 19 9:23:12 2011 |
Refinance the auto loan so it's only in your .. |
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| Tue Oct 19 5:06:06 2010 |
You're going to want to at least get above the .. |
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| Tue Oct 12 7:16:37 2010 |
That's a great question. I don't see why it .. |
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| Thu Oct 7 8:54:04 2010 |
How long have you had your secured card Most .. |
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| Wed Oct 6 10:43:14 2010 |
Yes, if they obtain a judgement first, then they .. |
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| Wed Oct 6 10:15:55 2010 |
Lenders don't really "negotiate" with .. |
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| Wed Oct 6 10:08:34 2010 |
If the debt was incurred in a community property .. |
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| Fri Jun 11 10:34:34 2010 |
I agree with Sandra...Cap One can keep adding .. |
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| Mon May 31 1:40:10 2010 |
They must be looking to see if the collection was .. |
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| Mon May 31 1:35:44 2010 |
The score you can get from creditkarma is good .. |
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| Tue May 25 10:16:35 2010 |
There are literally hundreds of credit scores .. |
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| Tue May 25 10:05:50 2010 |
Believe me, I understand how bad you would like .. |
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| Mon May 24 7:06:00 2010 |
@Sandrawilli43 - Sorry, but you can't get your .. |
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| Mon May 24 6:54:54 2010 |
You father's credit will not be affected in any .. |
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| Thu May 13 10:40:38 2010 |
I'm no expert on the value of mobile homes, but I .. |
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| Wed Apr 14 10:21:39 2010 |
As long as you make 2009 contributions to the .. |
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| Wed Apr 14 10:07:42 2010 |
George is right...the inquiries aren't going .. |
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| Fri Apr 9 6:24:13 2010 |
Borrowers can't specifically choose their .. |
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| Thu Apr 1 6:24:58 2010 |
Sussane is right...you've lost any leverage you .. |
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| Thu Apr 1 6:18:47 2010 |
It's a common credit-scoring myth that paying off .. |
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| Thu Apr 1 6:02:52 2010 |
Unfortunately, that's not how credit scores work. .. |
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| Mon Mar 22 7:06:18 2010 |
Also, AU= authorized .. |
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| Sun Mar 21 7:50:17 2010 |
The FCRA prohibits credit bureaus from reporting .. |
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| Fri Mar 19 8:19:27 2010 |
Yea, my personal favorite is when people say .. |
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| Thu Mar 18 7:10:00 2010 |
If the OC sold the debt, they don't have to .. |
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| Wed Mar 17 6:59:06 2010 |
The retail card won't hurt in getting you started .. |
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| Wed Mar 17 6:26:39 2010 |
I'm not a lawyer, but I agree with adonis. Any .. |
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| Wed Mar 17 6:16:45 2010 |
The size of the hit you will take depends on .. |
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| Thu Mar 11 9:26:46 2010 |
It doesn't sound like the OP is trying to secure .. |
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| Thu Mar 11 12:36:03 2010 |
4th Q of last year. I haven't personally added .. |
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| Wed Mar 10 5:48:54 2010 |
The ECOA (Equal Credit Opportunity Act) precludes .. |
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| Wed Mar 10 8:46:58 2010 |
I'm really sorry to hear this happened to you .. |
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| Wed Mar 10 8:33:14 2010 |
Is your wife willing to add you as an authorized .. |
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| Fri Mar 5 7:48:44 2010 |
Awesome...I love reading posts like .. |
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| Fri Mar 5 7:46:40 2010 |
This situation exemplifies why it's so important .. |
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| Thu Mar 4 6:44:09 2010 |
Adonis is right. The original creditor will .. |
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| Mon Mar 1 7:39:45 2010 |
It's not bad, and it's not good either. A FICO .. |
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| Sun Feb 28 9:17:51 2010 |
adonis is right. If they don't belong to you, .. |
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| Sat Feb 27 8:30:30 2010 |
If the cards don't have annual fees, I suggest .. |
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| Tue Feb 23 6:43:13 2010 |
Stick with MyFico.com to buy your FICO scores. .. |
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| Tue Feb 23 8:37:59 2010 |
Did you get it in writing .. |
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| Tue Feb 23 8:36:03 2010 |
It's tough to make an educated guess because .. |
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| Tue Feb 23 8:04:44 2010 |
Nope, you can't get your Experian-based FICO .. |
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| Mon Feb 22 11:16:54 2010 |
I'm sorry to hear about your husband's death, and .. |
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| Mon Feb 22 11:00:31 2010 |
I believe they can approach you about refinancing .. |
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| Sun Feb 21 5:34:20 2010 |
If the quitclaim hasn't been notarized and .. |
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| Sun Feb 21 5:17:42 2010 |
I'm sorry to hear about the death of your .. |
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| Tue Feb 16 10:27:42 2010 |
Sorry - OC= Original Creditor and CA= Collection .. |
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| Tue Feb 16 6:00:14 2010 |
This is very common. The OC may have sold the .. |
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| Sun Feb 14 5:50:54 2010 |
I know the $8K sounds enticing, but do yourself a .. |
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| Sun Feb 14 5:41:15 2010 |
They will happily sell you an Experian credit .. |
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| Thu Feb 11 7:06:45 2010 |
I'm really sorry to hear about your situation, .. |
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| Thu Feb 11 6:07:56 2010 |
Good for you, but I can't understand your .. |
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| Thu Feb 11 6:01:28 2010 |
Your credit report should report what actually .. |
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| Wed Feb 10 5:22:32 2010 |
Consumers should also be aware that a bunch of .. |
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| Tue Feb 9 5:35:31 2010 |
Because Experian got ticked off at FICO in .. |
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| Tue Feb 9 5:31:36 2010 |
You can expect to see them hang around for about .. |
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| Tue Feb 9 5:24:17 2010 |
I know. It just doesn't seem like it should be .. |
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| Tue Feb 9 11:21:14 2010 |
Hi George - No, I didn't misunderstand her. I .. |
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| Tue Feb 9 10:55:33 2010 |
Lydia - I agree with you that it's not advisable, .. |
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| Tue Feb 9 10:42:08 2010 |
I would be very cautious of any company that .. |
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| Tue Feb 9 2:57:28 2010 |
Hello!
My name is Josh Heckathorn, and I run .. |
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| Tue Feb 9 2:38:19 2010 |
Do you have a close relative or friend that's .. |
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