Would paying more on a rehab student loan hurt me?

Mar 132011
 

Hello all, would paying more on my rehabilitation  student loans hurt me more than a help to me?  The amount of money they requested that I pay each month on a certain day I can actually pay more sometimes. I would love to pay more but I don’t want this to come back and bite me on my rear end later. I was told that after I pay the ninth month payment that they reevaluate me and I may have to pay more than what I am paying now, and I don,t want them to think just because I paid $200 this month that I can do it every month. If someone can please give me some advice I will greatly appreciate it. :smileysad: I found this site this month, and I don’t know what I will do without it now.

My score seems to be stuck

Aug 262010
 

Hello all,

 

Thanks to all the help from the forums I have been able recesistate a half dead credit score, and now I need help again. My scores have been the same for the last couple of years give or take a few points. I was wondering if anyone had some advice to help boost my scores up. Here’s a my situation:

 

Orchardbank Mastercard 2005- 1600/ 300bal statement hasn’t cut yet, and I made a payment today

Orchard Platinum Visa     2007- 1550/ $0 bal

Capital One Visa               2007-  1050/$0 bal

Macy’s charge card           2000-  1500/$0 bal

Amex Zync                          2010-         $0 bal Opening this card didn’t lower my score either

 

There are no inquiries on my TU report. On my EQ report there is 1 from sept and dec of 09 and 1 from mar in 2010. There is one baddie showing from 2004.

 

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Those who’ve had AFNI PFD success, please help!

Jul 182010
 

I am starting my second round of PFD letters and the first one is going to be to AFNI. I have read that many people have had successful PFD with them, so if you have could you give me some advice?!! and Please PM me the email that you used?   I have only been able to find the recovery team email and haven’t received much of a response!

Also let me know what amt you offered pfd as well as the original amount of the debt?

Thank you in advance!! I hope to get this one paid and off my reports!!!!!!!

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CA violating FDCPA

May 112010
 

im curious if anyone has gone through a suit with a CA about violating FDCPA regulations?

 

Im looking for some advice or tips with dealling with a CA maybe using it as leverage to convince them to accept a PFD or even follow it through for the $1000 fine?

Thanks in advance

Secured Credit Card help

Mar 182010
 

Hello all,

 

I have bad credit right now and all of my old cc is in collection agency and it will fall off within the next 3 years, im trying to rebuild my  credit, i had some people advising me to get a secured credit card. I was wondering anyone in this forums had any experience with any secured credit card.

 

here are a list of cards i researched.

 

BOA secured

New Millennium Bank secured

Orchard banks Secured

WellsFargo Secured

First Premier

Public Secured

 

i want to get a card that  can report to the 3 credit bureau, can be upgraded to a unsecured credit card eventually.

 

can you guys please give me some advice or recommendation.

 

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