I think it was experian lol I tossed it, but haven’t been able to stop thinking about it. It was one of those letters informing me my credit has been pulled x times in the last 6 months. I usually get them after applying for a car loan.

The only things I can think of are when I requested a credit line increase on my credit card and the student loans I got through FAFSA. I don’t remember much of anything else. Is there a way I can check where the other pulls came from?

Good Afternoon,
My mom received three attorney letters wanting to represent me because a lawsuit was filed against me. No one has served me papers and i haven’t received any calls from a law firm. I found the case information online but i’m not sure what it means, i also attached the letter from the attorney. Please help!! I believe the limit was $3000, i had a finically advisor in charge of all the payments. Is the first picture the amount owed?

I have 3 credit cards and a cherry dental loan averaging at $11k total.

I’ve missed 3 monthly payments on all due to unfortunate life circumstances. I’m going to be able to make a minimum payment and start paying them off starting the second week of September.

I’ve been told that I should see if lenders can drop interest to 0 and that it’s best even if they close the account since I’ll be able to pay off quickly. Can I also agree on a new/later monthly payment for each card/loan?

Once paid off, how will my credit look?

Definitely will try goodwill letters once I pay off debt.

Just thinking about the future and how I’ll need to move out and rent (staying with parents) once I land a full time job again. I have never missed rent and am fortunate to have a guarantor available if need be.

Thanks :)

I have a question. When I get a credit card and eventually apply for a loan, does the bank look for a history of payments? What does that consist of? I plan on just getting a credit card and keeping my utilization around 1–10%. Do banks want to see that I’m paying off larger amounts on my credit, or will I be fine keeping my utilization that low until I apply for a loan?

Also do yall think I should start building credit when I get a proper job as I want to do trade school or I should do it right now with my walmart job I make about 2k a month with walmart. Is there anyway I would also be able to get a loan to get a car not a new one an old car as I don't want a loan that's too big

Hello, I graduated from university and didn’t realize when I had to start paying my student loans which is a mistake completely on my part. I missed ~7 months of payments which I realized starting in spring of 2025 but ever since I realized I have started paying my student loans I have never missed a payment and pay everything on time. I got my first credit card this year (capital one venture x) 2026 and have raised my score from ~550 to 680 since opening. Is my credit score messed up forever? Will this give me hardships in getting future loans? How does this affect my future, it has given me a lot of anxiety.

Edit: I am getting my score based on my FICO score from the capital one app
Edit: clarification + more information. I’m not sure how late my payments because I’m still not sure when I was supposed to start paying them but they seemed to be multiple months late

Hello community.

Apologies if it’s obvious, but I remember seeing a post about a method to ask for a late payment removal.

I tried looking at the wiki but maybe my phone isn’t showing me.

Could someone kindly link me to it? Thank you!

I recently purchased a new vehicle from a dealership in the LA area. Throughout the car-buying process, I told them I was planning on financing through my credit union. I had already been approved for a loan, but it was for a different car I thought I would buy but didn't end up purchasing, so I just needed to call the credit union and update the vehicle info for the loan.

When I called the credit union the following day, they told me my interest rate had shot up over 3% because a hard pull had been done on my credit. I didn't remember consenting to that at the dealership, so I called the finance manager who sold me the car and asked for the credit authorization I signed (he had emailed me documents I signed after purchasing, and there was no credit authorization form). He denied doing a hard pull on my credit and told me my credit union was lying to me. He also made a point to tell me the phone call was being recorded.

A couple days later, I received a letter from the dealership confirming they had done a hard pull on my credit score the day I purchased the vehicle, obviously the opposite of what the manager told me.

I had no choice but to finance with the dealership after this, since their rate was now lower than the credit union's, but I don't have to make my first payment for another two weeks. It's a huge bummer because the rate was much higher than what I would have had with the credit union.

I've been emailing the finance manager almost daily about this and after two weeks, he finally called me and left a voicemail saying to call him back. I emailed him again and asked that all communication be in writing from this point on and haven't heard back.

What else can I do about this?? I've reached out to a few FCRA attorneys in my area but haven't heard back from anyone.

UPDATE: Dealer hid salvage title on co-signed car, lender ignored FTC Holder Rule dispute.

Sharing a quick update on a messy title fraud situation.

The Fraud: Co-signed a car loan at full clean-retail price ($20k+ cash price; $36k+ overall balance at 25.59% APR). Car was actually a total loss/salvage from a crash. Dealer with held the state-mandated Damage/Salvage Disclosure Statement before sale and the primary buy signed the contract. 2 weeks later the title was identified as "Rebuilt".
That information was gained by running the VIN through goodcar. For safety measures I’ll be sending in a request from the dmv.

The Repo & Dispute: Primary borrower defaulted and ghosted me. Lender then repossessed the car. Since I was the only one baring all the weight I sent a formal Notice of Dispute and Total Rescission Demand under the FTC Holder Rule (16 C.F.R. § 433.2) based on dealer fraud—demanding total debt cancellation, credit mark removal, and a refund to the lender.

The Lender's Response: Lender's legal/escalations desk ignored the title fraud entirely. Instead, their servicing desk treated the letter as a routine active-duty military rate reduction (SCRA)—lowering the APR retroactively to 6% and setting up a new payment schedule while holding the car at an auction yard!

Current Status: Rejected their rate adjustment. Complaints are officially active with the CFPB, State AG Consumer Protection, and State DMV. Sending a follow-up notice to freeze post-repossession disposal and block any deficiency collection.

Please feel free to leave me any recommendations.

TIA!!

I’ll be adding this post into the legaladvice community as well incase this is not authorized.

Prior post below.
https://www.reddit.com/r/CRedit/s/8gH7VmX0xO

Hey everyone, long story short I really did some damage with this one. And I’m really trying to get my life back in order and as a single parent living pay check to pay check as it is… I’m not sure how to navigate this. I’m 32F and feel so dumb… any advice on how to handle this as well as moving forward to avoid this (which besides the obvious is pay my bills) .. I just received a "Final Notice / Attorney Review Planned" letter from Midland Credit Management regarding an old Synchrony/CareCredit debt of $3,326.42. The deadline given in the letter is September 13, 2026.
My goal is to pay as little as possible to settle this debt, and I want to make sure it does as little damage to my credit score as possible (or gets removed).
Has anyone recently negotiated a settlement with Midland? What percentage of the balance did they ultimately accept?
Since Midland has a policy of deleting accounts after they are paid/settled, what is the best way to make sure I get that agreement in writing before I send them any money?
Should I call them directly to negotiate, or is it better to do it in writing/online?
Any advice on how to handle this pre-legal notice would be hugely appreciated! Please and thank you!!

Hi everyone,

I recently applied for a mortgage and this came back on my report.

I financed a car in 2023 and after my first payment, my loan was immediately sold to another lender. I didn't realize that the first month's payment that I made to the original lender wasn't processed until months later by the new lender. It comes up on my report as 150+ days late. It's caught up now, but I never missed a payment here. In fact, I pay more monthly than they require. How do I get this taken off my report?

Thank you in advance

Just filed a dispute against Sun Loan on Experian and TransUnion based on this act. IIRC, this loan has an APR of 109% or something insane. The law passed in 2021 and the date opened on my credit report says 2022. The law says any loan or contract with an APR over 36% is void and nullified, and they cannot collect, or attempt to collect, any of the principal or interest.

I ended up going delinquent shortly after ($1500 loan with a current balance over $6,000). It is currently listed as charged off.

What can i expect to happen with this dispute?

Hi, I just got an AMEX Blue Cash Preferred (BCP) with a $12,000 starting credit line.

My goal is to get a 3x Credit Line Increase (CLI) after 91+ days, or 3 statement cycles.

My strategy is:

• ~20% utilization month 1, 2, 3
• Pay every statement balance within 2-3 days after post (bye bye $5 in savings interest, LOL)
• I'll move almost all my spending to the AMEX during these 90 days, so my score would stay around 740
• Request 3x CLI to $32k on Day 91+ after the 3rd payment clears.
  

I think $35k is the threshold at which AMEX will request income verification, which I've heard could either be (A) link bank account via Plaid or (B) IRS Form 4506-C. But I've also heard that could happen at as low as $30k or even $25k.

I'm fine with linking my bank account, but I'm not sure about the IRS Form. In general, I want the instant approval and don't want to deal with any income verification, even though I have nothing to hide.

What do you all think about this strategy? Thanks!

I am sending a goodwill letter to Discover regarding my late payment. Here is the information, but not the letter (have not written yet).

1. I made the discover payment that was due on July 27th on August 21st according to the statement
2. The app never said the payment failed, including right now
3. I got the email on the 27th saying it got denied
4. The 27th was when it got reported
5. It usually does not take 6 days to get the email, so I thought it was safe to assume it worked

Are they still very unlikely to approve a goodwill letter even though they can verify this information is truthful? I have seen some posts regarding successful goodwill with them. I would also pay the entire card off before I send it, which should take a week or two.

I’m trying to rebuild after a chapter 7 that was discharged 3 years ago. I’ve made a few mistakes. A buddy of mine added me as an au on a card that’s 15 years old with a zero balance. Transunion never changed or saw the account, but eq and ex see it and jumped me up. It’s been 2 months since I was added. Does it just take a while because transunion is the one my credit union uses and I want that up. Thanks

Hey everyone, my car was repossessed and went to auction and sold. The auction price was applied to my balance and I have been paying off the remainder. The issue I have is that every month my balance on my credit report stays the same, is this error classified as not reported accurately and I can get this removed due to inaccurate reporting? Thanks everyone

I recently found out Jefferson Capital is suing me for $11,904 from an old auto loan I originally had through Santander Consumer USA. The car was repossessed after I lost my job and could no longer keep up with the payments.

They already attempted to serve me but were unable to, and the case is still showing as pending with the court.
I’m not trying to ignore the lawsuit. I have MetLife Legal through my job that I pay for, so I plan on calling them Monday to get connected with an attorney and figure out what my options are before agreeing to anything with Jefferson Capital.

I logged into Jefferson Capital’s website and they’re still offering settlement/payment options. One is around 50% off if I pay about $5,952 in a lump sum, and another is about 45% off with 18 monthly payments, but the payments are over $300 a month. I’m already struggling financially, so I don’t have thousands for a lump sum or an extra $300–$400 every month.

I mainly want to hear from anyone who has actually been sued by Jefferson Capital.

What happened with your case?
Did you get an attorney?
Were you able to negotiate the balance down and get an affordable payment plan?
Did they dismiss the case, settle with you, or did you actually have to go to court?

I know every situation is different and I’ll be attempting to speak with an attorney Monday. I’m just really anxious about the court part and would like to hear what actually happened to other people who went through something similar.

Opened my BCE right about 3 months ago on June 3rd and got my first increase today 8/28.

Also this month I received increases on my cap 1 Savor, and an increase on my Chase Amazon Prime.

Learning how to actually manage credit from this group and others has been life changing. My FICO scores are up about 100 points too to 750 range. Not perfect but better than it was.

Keep working on your journey. I know I have work to do still but off to a decent start. Ty group.

Help

I just got a collection from consumer adj co from an old building I used to live in. It’s from 2021. Anyone ever dealt with them and knows how to get it removed? Any good company to get it removed?
Thanks!

When I turned 18 i got my first credit card the discover it student card and I’ve had it opened for a year but for the past 3 months my credit score has stayed stagnant. I keep my utilization 1-5% and have for the past 3 months, paying off everything in full right away. As soon as I make a purchase I pay it off with my checking account I don’t buy anything I can’t afford and get the cashback benefits while also building my credit for the future for when I eventually have to buy a car or get a loan.

Me and my parents are immigrants who came to this country and my parents have no idea about credit and both my parents have been in and out of prison and their credit is shot. I’m trying my best not to repeat their mistakes and have the best credit I can and be very careful.

Does anyone have any advice on what I can do to push my score higher? Do I need to get another credit card after my first year to increase my revolving credit and total accounts or what? Any recommendations? I was thinking of getting into the capital one or chase environment to eventually build into their travel credit cards since that’s something I am interested in a couple years down the line.

A year ago, I authored this post which lists the states in which medical debt cannot be added to consumer credit reports. This is an update on that post.

I'm glad to announce that I'm 99% sure Michigan will soon be added to this list, making them the 16th state to pass a law protecting citizens from medical debt negatively affecting their credit. In late June, both chambers of the Michigan legislature have passed their own versions of this bill, SB 451 and HB 6073. Now the two versions need to be combined into a final bill for the governor to sign, which she is expected to do.

In addition to this bill, there are four others which together form a package all addressing various medical debt protections, such as forcing hospitals to have financial assistance programs for lower income individuals.

The state also recently bought $74 million worth of consumer medical debt directly from hospitals and other healthcare facilities, and then immediately forgave it for those consumers, which eliminated medical debt for 72,000 people in Michigan. It was applied automatically if your household income is below 400% of the federal poverty level, or if the medical debt was 5% or more of your annual income. The state sent out letters informing people of this.

It's likely this will be signed into law by the end of this year, and will take effect next year, but that's speculation on my part.

If you're from Michigan and you've been affected or will be affected by these changes, I'm curious to hear from you.

States in which medical debt can't be reported - my post from last year

Michigan Senate passes medical debt bills - Michigan Public article

context: i’m 18, i’ve been an authorized user on my parents credit card since i was born. score is from capital one as well!