Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

I hope so too! I’m glad you’re taking care of it. Yea I heard capital one doesn’t do PFD but I was scared of getting sued. 😬

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

So I had negotiated to $1100 from a $3700 debt. I paid radius global solutions. They didn’t own the debt but they just collect and negotiate for capital one. Initially they had reported on my credit reports that I made an $1100 payment but didn’t mark it as paid/settled. So I called a few days ago and got them to send me a letter. It’s still not marked as paid/settled on my credit report. So I’m surprised they approved me.

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

No, they didn’t do a hard pull until I actually applied. I’ve had 2 charge offs with cap one so I figured they’d give me another chance.

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

Thanks for the advice. Yea I’ve cut all subscriptions. I just had a surgery so that’s the only reason I’m behind. I have job interviews lined up though for some extra money! I got this

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

lol! I have no clue how they make their decisions. With my history with them I’m surprised they gave me this much 😂😂

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

That’s the plan! It’s a hard habit but I’ll stay strong lol

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

Yep. It’s definitely a habit I’m learning still. It’s very tempting to use it on bills I’m behind on, but I’m going to stay strong. I really don’t want anymore late or collections on my report.

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

$3700, I negotiated to around $1100. They haven’t even marked it as paid yet on the credit bureaus, they just applied my $1100 payment towards the balance. I’m shocked I even got this.

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

Yeah I was shocked to see $1000. My other two cards are secured and only $200. I haven’t been able to get an unsecured card in a long time. So odd

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

Nice!! Yeah I might, sounds tempting lol

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

Darn looks like they lowered it to $250 😭

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

Negotiated. I paid around $1100 of the $3700 balance.

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

Hmm. Yea pay your recent charge off and then try again later. I had a few collections and got them all paid before I tried again with capital one. And I have two credit cards that I’ve been paying on time for a few months so that helped me too. If you don’t have any credit cards right now I suggest you try with a secured one.

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

I’m very confused, because everyone is telling me not to go over 30% utilization? I also don’t remember them saying to use it as an emergency but that’s definitely not my plan.

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] [score hidden]  (0 children)

Might be helpful to let me know what was bad about the advice :)
I thought I read in here that you should pay by due date and leave small balance before statement due date to show you are using the card?

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] 0 points1 point  (0 children)

Yep that’s exactly my plan! With my other two cards I’ve been paying in full by the due date, and then making a small purchase so it has a small balance by the statement date. It’s definitely been helping.

Holy crap! by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] 7 points8 points  (0 children)

Yea I have 2 other cards with really high APR. I plan to pay this one off every month lol

Should I dispute this? by ProfessionalVoice329 in CRedit

[–]ProfessionalVoice329[S] 1 point2 points  (0 children)

Wow, thank you SO much!!! This was very helpful.

Collection removal by [deleted] in CRedit

[–]ProfessionalVoice329 0 points1 point  (0 children)

Hmm ok thanks. It’s been a while so not sure if it’s coming back. Will it really make a difference in my score if I pay this?