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Just FYI, anyone looking at obtaining or gaining an increase for JC Penney. They only subscribe to Trans Union for evaluating their credit lines and do not look at your Experian or Equifax reports...

I can also assist with information on how to avoid collection accounts from ever being reported to your credit. You need to act within the first 30 days of receiving notification from the agency and...

Capital One is one of the better cards out there with respect to lower credit scores and interest rate / fees. If you have $1000 or more available, I would suggest obtaining a secured credit card...

A paid collection account will NEVER have a positive impact on your credit. It actually resets the clock on the statute of limitations and since that is new activity on your credit, it will affect...

Just to caution some people on here. Collection accounts have an impact the first 3 - 4 years, after that, they actually begin reporting as POSITIVE credit, as the scoring logirythm begins to pick...

To add to my note of 10 years for bankruptcies to remain on your credit, that is true with the exception of Chap 13 Wage Earners. Wanderer is correct on the Chap 13 wage earners of 7 years. I have...

Doing the permanent opt out should give you that 10 point bump, but go in and dispute as much as possible. :cheesing:

Much appreciated...

See my responses in RED below
1.Chapter 13 Bankruptcy, discharged in July of 2008
Dispute all of your bankruptcy information. Many times there is a date reported in error and that's enough for it...

Hi Classy,

Part of the reason billing takes so long is the coding and processing of the procedures with the insurance companies. I'm not saying doctors are unethical, however, there are many times...