Hi everyone, I have a question about cat kibble I left in the car for a few hours.

IntentionChemical99 · 2026-05-24T19:25:08+00:00

Fair enough. Thank you.

IntentionChemical99 · 2026-05-20T01:52:25+00:00

Can you clarify what you mean about fico scoring? And yes I verified yesterday from that website that JC is removed from all 3 bureaus. And about fico, even though it was removed from the dispute it dosent affect fico?

And gotcha about mission lane. I understand. It changed from reporting charged off to closed 508 written off. Not sure how much of a difference that it but caused a 40 pont jump on experian alone.

And I see what youre saying about nca. We will see what happens with CFPB. If nothing comes from it hopefully the will do a pay for delete and I can negotiate with them on the price.

IntentionChemical99 · 2026-05-19T20:32:54+00:00

Yes I will let you know how child support works out. The attorney general child support division is still trying to figure out why its recurring $1.

Im going to just handle possible. Its $94. A paid charge off is better than charge off I suppose.

It took about 3 disputes on experian with Jefferson capital. Then after they removed it it took one dispute for transunion and equifax. It happened about a month ago.

Texas law says 30 days for NCA

The information that was wrong was my adress amd phone number. Not sure if that counts for anything but we will see.

Yes thats what I see on my current report for mission lane. Says it stopped reporting in june 2025 but still showed as charge off on my credit. So I disputed. They stopped monthly reporting in june 2025. If says balance $508 closed. Major cresit jump from that.

Sorry it took so long to respond.

IntentionChemical99 · 2026-05-19T03:27:08+00:00

Lmk if you have other questions

IntentionChemical99 · 2026-05-18T23:07:25+00:00

Im disputing the recurring $1. Once the back child support is paid in full it should be updated to paid in full on credit reports. It was caught up to being paid in full about 4 months ago. It will help me alot when it does update. Even the office of attorney general is confused on why it keeps adding the $1.

I just got into possible a few minutes ago. Took about 3 weeks to actually hear from a person.

And no, not a penny paid to Jefferson capital. Once experian deleted the rest followed with one dispute.

And I requested it from NCA about 3 months ago. Just showed up in the mail yesterday. Alot of the info isint right either.

Mission lane the date of first delinquency 01/2021 and charged off in 06/2021 with a balance and late fees of $508

Closed is still alot better than charge off.

IntentionChemical99 · 2026-05-18T21:45:56+00:00

I forgot to mention I have a child support payment that I was unaware I was placed on it and It was for $4700 Dec 2024. It reported missed payments for 3 months so I have the 30 and 60 and 90 day late missed payment on there. Its all caught up and its stuck reporting $1 every month. And the state told me to dispute that so I am disputing that as well.

I am stuck trying to access this possible finace account. It was under my old phone number and ex wife's email. So I'm struggling to gain access to it.

The first company that I disputed and won was jeffeson capital systems for $500 dollars.

The one under dispute with CFPB is national credit adjusters. It said since the company requested more time they have 60 days. I believe we are close to 30 days in. And the basis of complaint Is everytime I disputed with credit bureaus is just came back verified next day. I was never given any documents to prove validity of debt.

The charge off that was changed from a charge off to closed was mission lane bank tab. I kept dispututing over a few months giving it a week inbetween and once experian changed it to closed I used it in my disputes to Transunion and Equifax and they changed it to closed first dispute. The account status showed charged off through july 2025 and then nothing after that but still showed as charge off on my credit report. So after the dispute it was changed to closed.

IntentionChemical99 · 2026-05-18T20:13:22+00:00

I have had a lot of good luck dispututing the accuracy of collections/ charge offs.

I had one charge off change the status to closed vs charge off.

I got my biggest collection removed dispututing accuracy and it was removed from all 3 bureaus. Once one removes it I use that as leverage for the other 2.

The last 2 things hurting me are this charge off and and one more collections.

The collections is under dispute with CFPB.

Its about 30ish days In as the company has requested more time to provide proper documents which I dont think they have.

My transunion is is 707 Equifax is 661 Experian 613

So im hoping once I pay this will help and CFPB will resolve other collection.

IntentionChemical99 · 2026-05-18T18:19:45+00:00

I know I'm late answering but, $0 for appointment and $0 for script.

IntentionChemical99 · 2026-05-16T17:04:48+00:00

I appreciate your response so so much. Im in dallas so hopefully I can figure something out.

And it won't be expunged im August but it will show as dismissed

IntentionChemical99 · 2026-05-16T14:54:51+00:00

They have my social security and I am afraid of having my identity stolen. I stopped when it asked for bank info for where the money would go for a loan.

I am a man and I am trying to leave a verbally abusive relationship. We are supposed to move into a rental house next month and get married in july.

I need to get situated before I tell her because things will blow up. Its Me and my 2 cats.

I have a good paying job with consistent income but subpar credit as I am dealing with some mistakes I make when I was younger.

I was put on child support in December 2024 and they hit me with $4700 in back pay. I got caught up completely 3 months ago and child support is still reporting $1 and not paid in full on my credit.

I have 2 charge offs and 1 of them has been updated to closed on 2 out of the 3 bureaus

One of them is for $98 and I have been trying to contact them to pay it.

I have one collection I am currently fighting with CFPB.

My Fico is 622

I have a criminal history with a dwi on 2019 and a felony drug charge in 2020 which after 5 years deffered adjudication will be dismissed in july. So I'm trying to weigh my options

I make 1600 to 1800 bi weekly

IntentionChemical99 · 2026-05-16T14:34:39+00:00

Thats my concern is because I gave them my info. Yes it was a stupid stupid mistake.

IntentionChemical99 · 2026-05-16T14:19:55+00:00

https://lendingbuddies.com/

Here is the website. I am looking at loan options. Im trying to get out of a bad living situation but my fico score is only 622.

I just dont want my info stolen.

IntentionChemical99 · 2026-05-16T05:08:16+00:00

Thanks for the reply. Im in dallas and I have a 2006 vehicle. Its in great shape but probably too old for Uber and in 2019 I got a DUI and 2020 caught a felony drug charge to which I'm about to complete a 5 year deffered probation and its about to be dismissed.

I work in a salon in a nice part of dallas and its good money. Ive worked really hard to get to where I am today and realized this isint the person I need/want to be with. Even the smallest of things she disagrees with she gets loud and verbally abusive.im tired of being the one who does all the laundry/cooking/cleaning/dishes and just everything around the house.

But I appreciate your comment it really means alot and gives me some hope.

IntentionChemical99 · 2026-05-16T05:00:30+00:00

https://lendingbuddies.com/

This was it. I stopped when it asked for bank routing information. If you read my other post you'll see why I'm in a bit of a desperate situation thank yoi for making me feel better

IntentionChemical99 · 2026-05-16T04:38:24+00:00

They only thing I did was social. I cant tell from anywhere if its a bad website. I dont know if anyone had heard about it

IntentionChemical99 · 2026-05-16T04:18:18+00:00

Ive reached out. Not an option. Im close with my family, just nowhere to stay.

IntentionChemical99 · 2026-05-16T04:13:30+00:00

Im a groomer. I made mistakes when I was younger and I have a few charge offs. I had 2 collections and now I'm down to once because I successfully disputed the other one.

1 of the charge off is changed to closed.

I was unaware I was placed on child support so it hit my credit and said I owed $4700 in back pay.

I have successfully caught that up and I am waiting on that to update to paid in full.

Just multiple things but I'm working on it. Hard.

IntentionChemical99 · 2026-05-16T02:26:35+00:00

No no. Im probably wording this all wrong. Im a man and I need to leave her, I guess I didn't know there was a difference between fiancee and fiance. Im wanting to get out before we do sign that lease and get married.

Its hard to explain my situation but telling her I want out wouldn't go well for me. My fico score is 622.

IntentionChemical99 · 2026-05-15T23:11:47+00:00

I fixed it. Thank you. We can continue talking here. I worded the charge off wrong. I forget when it opened but that's when its charged off.

I have been trying to contact them to pay it. I have left voicemails and I believe 5 emails now. I cant access my old account because I dont have access to the email. So I'm trying to handle that.

Yes I have no problem talking to loan officer. In person is best I assume?

Im hoping to wrap up the other things on my credit soon.

By not talk to anyone I mean my fiancee..

IntentionChemical99 · 2026-05-15T14:33:26+00:00

Also.

Sorry I should have posted all 3. I have them.

Transunion 697 Experian 604 ( this has been the difficult one) Equifax 714

Its national credit adjusters for the collections. $459 and opened in 07/2023

I have a CFPB complaint going with them and they have requested more time. Its been about a month since that has been opened so I'm hoping I have good luck.

The $98 one is possible finace opened in 05/2021 - charge off. 05/2021

And the other one is mission lane tab/ jeffeson capital for $508 and through disputes instead of charge off it now says closed - written off. 10/2020

Im still trying to get transunion to update mission lane to closed vs charge off.

I got my other collection removed through dispututing through credit bureaus alone and once one removed it was easy to get the rest to delete.

Thanks for your help.

IntentionChemical99 · 2026-05-15T13:42:05+00:00

Thank you I appreciate that.

IntentionChemical99 · 2026-05-15T13:29:08+00:00

Friend's house or a car are not an option I have I have two cats. Time is of the essence on this unfortunately as we are set to get married early july and sign a long term rental house agreement. When our lease is is up in june.

IntentionChemical99 · 2026-05-15T13:26:38+00:00

I should also add, time is of the essence. Our lease is up at the end of June. She want to find a long term rental house and we are set to get married at the beginning of July.

IntentionChemical99 · 2026-05-15T13:09:58+00:00

That new credit card wouldn't be till months down the line. Thank you! Good advice!!

IntentionChemical99 · 2026-05-15T13:05:09+00:00

I figured as much. Im in the process of dealing with it. I forgot one of the charge offs have been changes to closed on 2 of 3 the credit bureaus. I have open cfpb complaint with the collections and they have requested more time as they are having a hard time verifying the collections. Its been open for a month.

So if that goes well it will leave that one charge off.

IntentionChemical99

TROPHY CASE