MsJody

14 Contributions 57 People Helped Top Contributor

Member Since: September 2013

Most Helpful Contribution

Capital One® Platinum Credit Card

May 07, 2015
EXTREMELY SATISFIED
Helpful to 24 out of 28 people

I applied for the Cap One card because of reviews I read. I wasn't sure if I would get it but to my surprise I not only got one Platinum card but 2 with a $300 CL. This was last month April 2015. About 3 weeks later I got a letter in the mail reading that I will get a CLI of $500 in OCT 2015. Will update you on that but so so excited. I applied for the Quicksilver card but they sent me 2 Platinum cards instead. Not even questioning it........good to go. Thanks Cap One for another chance.

Activity (14 Total Contributions)

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Capital One® QuicksilverOne® Cash Rewards Credit Card

Mar 15, 2015
GREAT CARD TO IMPROVE CREDIT
Helpful to 15 out of 15 people

I just applied for this card and was approved for $300.00. TU cs 579 EQ cs 594. Will touch basis with you when I have more info. Thanks Cap One. So far so good.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Mar 15, 2015
GREAT CARD TO IMPROVE CREDIT
Helpful to 8 out of 8 people

I just applied for this card and was approved for $300.00. TU cs 579 EQ cs 594. Will touch basis with you when I have more info. Thanks Cap One. So far so good.

Capital One® Platinum Credit Card

May 07, 2015
EXTREMELY SATISFIED
Helpful to 24 out of 28 people

I applied for the Cap One card because of reviews I read. I wasn't sure if I would get it but to my surprise I not only got one Platinum card but 2 with a $300 CL. This was last month April 2015. About 3 weeks later I got a letter in the mail reading that I will get a CLI of $500 in OCT 2015. Will update you on that but so so excited. I applied for the Quicksilver card but they sent me 2 Platinum cards instead. Not even questioning it........good to go. Thanks Cap One for another chance.

Navient late payments removal??

Jan 31, 2017
Helpful to 5 out of 6 people

I have a similar situation with student reporting a 90 and 120 day late on all three CB's that are 4 years old. I know for a fact that they were deferred. I have never faulted on my student loans. If I couldn't pay at that time I always had them deferred. That being said, Navient deleted these late payments off of Experian as well as Equifax but did not for TransUnion. As I am repairing my own credit I have emailed Navient and I received and email letting me know that disputes have to be done by mail. They gave me the information where to send the dispute. I sent a certified lettter to: 

Navient

ATTN: Correspondence

PO BOX 9500

Wilkes Barre, PA 18773-9500

They have 30 days to respond. I have not notified the Bureaus yet but will if I don't hear anything by February 17, 2017. I then will send the 2nd round to include the Bureaus. It can be a process but as long you have your documentation to back up your claim you can get them removed. DON'T GIVE UP

When you write to Bureaus send verification of your identity: copy of DL and utility bill, copy of the ceritified stamp sent to Navient showing that they received your letter and the letter itself, also state exactly what you are disputing along with the account number(s). Always always send certified. I hope this helps. Good Luck and Best Wishes.

Hard Inquiries and Soft Inquiries

Dec 15, 2016
Helpful to 3 out of 4 people

@diannered I have recently found out that the inquiry may stay on your report for 2 years but will only affect your score for 1 year. Even though if you apply for credit the creditors will still see the inquiry but will not have any bearing on your score if it's 1 year old. I hope this helps.

Capital One® Platinum Credit Card

Feb 04, 2017

I mean really. This is ridiculous

Navient late payments removal??

Jan 31, 2017

wow

Missed Vs Late Payment?!?

Jan 31, 2017

WOW Lauriesc. This is unfortunate but of course you know that what they are saying here is that they wanted you pay the month you missed as well as the current month. I have an installment persona loan and in fact did miss a payment but I have been with this company for a while and they let me pay both months with a heck of a lot of interest for them not to show me as missed. 

Dang 2 years of late payments my heart goes out to you to fix this. Maybe you can state your case with your creditor in person to a Senior Level staff and show your genuine side. The people love for you to kiss their butt. At times you just have to. Best Wishes!!!

Address of Transunion and Equifax

Jan 12, 2017

Very good question. I went to the post office today and was told that the PO Box 2000 was not going to get to them. I have asked TransUnion 3x for the address they keep telling me the same thing. I did call the FTC and they gave me a number to the CPB which also looked up that address and agreed with the Post office. I was told that I could send my dispute information to them and they would get it to TransUnion which they then have 15 days to respond vs 30 days. Ridiculous. I pay for them monitor my credit what a rip off.....Sneaky

!!!!CHARGED OFF/CLOSED ACCT BALANCE INCREASING!!!!

Dec 29, 2016

The account is still with the original creditor.

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