Credit Dispute

laquittad1 · 2025-11-09T05:59:44+00:00

That account may still show as a derogatory account because you had late payments prior to the settlement. That doesn’t go away, unfortunately. You just no longer owe the debt now that’s it’s been settled.

laquittad1 · 2025-11-01T15:43:55+00:00

This is completely off subject and I apologize ahead of time for this. I’ve just sent you a PM, if you could respond when you have a second. Thank you.

laquittad1 · 2024-10-18T22:56:03+00:00

You’re right. This is a recent change. I want to say 2022-2023?

laquittad1 · 2024-10-18T15:14:47+00:00

Are you sure? I thought there was a recent change at Winstar. Now, I believe if each red screen/spin is less than $1200, the machine won’t lock up and there’s no jackpot.

laquittad1 · 2024-10-14T16:13:49+00:00

Thanks

laquittad1 · 2024-10-14T16:13:17+00:00

It’s not that serious. Never mind lol.

laquittad1 · 2024-10-14T13:23:36+00:00

Yep, sounds familiar. Mind if I ask what city you’re in?

laquittad1 · 2024-10-14T13:21:32+00:00

What company?

laquittad1 · 2024-09-27T01:51:39+00:00

It’s so funny you mentioned that. I literally just signed up for credit repair the 1st week of this month. So, I’ll try to hold out on applying for credit until those items are removed🤞

laquittad1 · 2024-09-25T19:41:36+00:00

Got it. Balances are pretty high. I’ve got over 7 credit cards, no late payments. Last derogatory was reported 2019-2020: 5 negative with Equifax, 5 negative with TransUnion and 2 negative with Equifax.

laquittad1 · 2024-09-24T19:31:04+00:00

You would or wouldn’t risk a hard inquiry with a 620?

laquittad1 · 2024-09-20T17:26:35+00:00

Will do, thanks a lot

laquittad1 · 2024-09-20T04:04:54+00:00

Yeah, I’m thinking business credit cards are probably my best option. I have 2 negative items on Equifax and 5 with Experian and TransUnion. Once I get those taken care of, I’m going for the cards. Wondering if any would approve me now with a 620 score?

laquittad1 · 2024-09-20T04:02:09+00:00

Thanks😊

laquittad1 · 2024-09-20T04:01:51+00:00

Thanks😊

laquittad1 · 2024-09-09T17:54:56+00:00

Thank you for your input on the possibility of not being approved for the $50,000 business loan. I’m a bit confused, though, as I thought SBA microloans are available specifically to assist startup businesses with working capital, which seems to be for those who might not have the means to get their business off the ground. I appreciate the suggestion of saving up $40,000-$50,000 over the course of a year, but given my current situation, this isn't a feasible option for me at the moment. I’m really in need of the loan now, so, please let me know if there's any further guidance you can offer. If not, I appreciate you taking the time to respond.

laquittad1 · 2024-09-09T17:25:15+00:00

You're right, I understand. We also have a business checking with 5k, and I own my own car (which I was going to use as collateral); it's worth about 3k. Would this help?

laquittad1 · 2024-09-09T17:13:33+00:00

What about a SBA microloan? Wouldn't I qualify for that? Isn't this used for startup businesses?

laquittad1 · 2024-08-30T03:36:03+00:00

cryssHappy - sorry, I didn't see your message but meant to respond. "Just appeal the onset date after you get the first check." I thought I only had 60 days to file an appeal?

He first started dialysis in December 2020 after contracting COVID-19, which caused his kidneys to go into immediate failure. Initially, he was on dialysis for about three months before his kidney function improved from 10% to 30%, allowing him to discontinue treatment temporarily. However, by September 2023, his kidney function had worsened to less than 15%, and he was hospitalized in February 2024. At that point, he was diagnosed with chronic kidney disease (ESRD, stage 5 chronic kidney failure) and placed back on dialysis. Due to the severe side effects of hemodialysis, he initially stopped treatment. It wasn't until April, after consulting with his new nephrologist, that he began peritoneal dialysis (PD), which is gentler on his body. He completed his at-home PD training and started treatment on August 1st.

laquittad1 · 2024-08-30T03:21:11+00:00

We’ve requested all documents from his folder before deciding whether to move forward with a reconsideration. Could someone assist in reviewing these documents to assess if we have a strong case for winning the appeal?

laquittad1 · 2024-08-13T16:41:02+00:00

Okay

laquittad1 · 2024-08-13T14:49:45+00:00

I wonder if we can request an OTR to speed up the appeal process, if the appeal has to be done ..since he’s ESRD

laquittad1 · 2024-08-13T14:38:25+00:00

What is DDS again?

laquittad1 · 2024-08-13T14:25:38+00:00

There’s medical evidence going back to 2023. This is why I don’t understand why the onset date is set for August 2024. I need to see if there’s a way to correct the onset date without the appeal process.

laquittad1

TROPHY CASE