Me and my ex gf split months ago Names were both on the lease She has gone MIA and now the apartment complex is sending this to collections

Do I have any legal rights to come after the original creditor and her? Or what do I do It’s for 6k supposedly apartment complex added bs fees

I'm about to sign a lease, and my landlord mentioned that I could have a cosigner to strengthen my application. My credit score is 620 - not exactly the best, but I want to work on improving it. I know having a cosigner could help me get the apartment, but can it also help me build credit? Has anyone had experience with this? Will my credit eventually increase over time?

Am I screwed? We knew we were going to get a bill, however, never received it and didn’t think anything of it to be honest. We only became aware when we got a notification that we have a delinquent account. Our first delinquent account so we are a bit worried. We called the hospital and she said since there was an error in our address she is going to pull it back and call us to set up payment after it’s pulled back. I asked her about credit and she was not sure.

Every time I google I get different answers.

Im primary buyer, a friend is co-signer/co-buyer. They seem to be synonymous in Indiana. He wanted me to get refinanced into my name which I've had a hard time doing with my lack of credit history and no one else who could cosign.

He took car from my driveway, parked in his garage and refuses to let me drive it until he's off the loan. In order to do that, I have to get to work every day somehow which is rather difficult witout a vehicle.

I have paid all payments except for the last couple when they took it. His income is triple mine and he paid it before I could.

They're (him and wife) now taking me to small claims court, I'm assuming over the payments they've made. So first of all, im guessing I need to file my own case also? Over the actual car? I have not been served for their case, as they couldn't manage to spell my name or address right, even though its right in front of them, however I found it online. -what can I do in this scenario- do I still show up? Or miss the hearing, like happened with the first one because i wasnt aware, and never properly served?

Hey Everyone,

I attended a University in Maryland, and was living in off-campus student housing the entire time I attended the college. The apartments were outrageously expensive and horribly managed, and looking for any and everything possible to take advantage of students who were living away from their parents. I never paid rent or utilities late. When I moved out of the apartment, I was charged a $500 bill for the carpet in my apartment being "damaged". I went to the leasing office when I was notified about this charge and told them I would not be paying it. They offered to lessen the charge if I wrote a good review on google for their apartment building, which was the most ridiculous thing I had ever heard. Given how much money they had already taken from me, I simply was not going to pay this. They had sent a move out statement with a pdf attached with photos of our apartment, and they did NOT include any photo of this "damage to the carpet", only some trash that was left in the apartment, which they shouldn't have even charged for either, considering one of my roommates was still signed onto the lease for the next year.

This bill had since been forwarded to a third party collections agency, and I told them I will not be paying it, as it is just completely unfair and a scam. The apartment did not provide me with any proof of this damage whatsoever. I guess since then, it was forwarded to CCU, and I just received a letter in the mail from CCU saying I now owe almost $2500 for this. What can I do to avoid paying this? Can I take my apartment to small claims court or something? I tried to go back to the apartment leasing office a few weeks after they posted it to my account, but they said there is "nothing they can do about it now because it was already forwarded to collections." I had sent an email to the third-party collections unit they sent this baseless bill to and told them I would not be paying it and would consider taking legal action against the apartment building if this continues, and I never received another email from them. At that point, the bill was $559. This is the FIRST notification I have received from CCU, and the bill is now $2349.

Any advice/help regarding this matter would be greatly appreciated. I am going to try and call them this week also.

Thank you

Hello, I hope everyone is having a great morning!

So, about a week and a half ago, on my way to work my car started violently shaking, so I did what the normal person would do and called out of work to access the situation more and figured it was better to take it to a mechanic, so I took it and some time passed, but I was unable to work without my car, so of course no money was being made, car was “fixed” four days later, it costed me $3100 for nothing, note that was 80% of my money, not even an hour later it started back shaking. My mom told me to take it up to the dealership and that is what I did. They did the teardown and found out that my problem would be up to $7000-10000 to fix.

I said screw that and bought a used engine that I’m going to take to a mechanic my friend recommended me. So that would be at least $1500 and I have $1700 in credit card debt at the moment, but my score is a 686 currently. I am 19 years old and this situation has set me back by miles.

Everywhere I go I am denied for a personal loan, mainly because I only have 11 months worth of credit. I currently finance my car through Navy Federal, and my payments are $307 a month, I was denied for the Navy federal personal loan online, but I wanted to know if I can explain my situation to a loan officer at the branch is it possible that I would be able to be approved for the loan just based off the information I provided?

Capitol One charged off my CC and now it is in collections and Scott and Associates is sueing me for $5300. I had them send me validation that I owe the debt and I do. I'm not fighting that and it is within the SOL. I want to settle this before the court date. I haven't told them anything about being injured outside of work and that I was unable to work for 3 years. I went back to work last year but I am restricted to 4 hours a day. Since I can no longer perform my duties at work I have filed for SS and will also receive a federal pension. I want to offer Scott and Associates a lump sum payment to settle this debt. What are your thoughts about how to handle this? Should I tell them about my injuries, part time work and leaving my job? Does anyone know about working with Scott and Associates? Are they hard to deal with? What is my best course of action?

I am curious if anyone has had their mortgage payment to Carrington returned NSF. Will they try to redeposit it?

I have multiple charged off accounts that will be 7 years old in various months coming up in 2025. Can I dispute them now and have them removed since they are close close to 7 years old. Some will be 7 in Jan, some later in the year.

Long story short i had a rough couple months financially and missed a couple credit card payments, idk what to do now 😭 i only need like 600 ish to pay it off but the minimum everywhere is like 2000 and i can't get approved

Hired these guys to fix my credit. We had some communication in the beginning after the first month they disappeared on me. Dont have these scammers fix your credit.

https://www.creditcorrect.info/?fbclid=PAZXh0bgNhZW0CMTEAAaagzoTtccAuQLsVqVcjetkR15-4Z6zX3K8ud_ZwasBJ2ie_u70QVpgKfMw_aem_aXj6jc8hmQs3KD2lmjkcsg

2025 is my year for ALL 9 late payments to age off. I remember thinking in 2021 how far away that was, but I am entering this season now. I’m using Chase Bank Credit Journey and can see all nine late payment months (6 at 30 days, 3 at 60 days) and expected age of dates

3 October 2025 4 November 2025 2 December 2025

I remember all of these late payments in 2018 and will never make that mistake again. I truly did not understand how badly it impacted my credit and didn’t care enough either. I went on a trip and threw caution to the wind as I simply said “EFF IT!” and returned home to be broke and chaotic in my finances for several months. It took me about 6-8 months to somewhat normalize, though carrying debt and not saving was not a good normal.

How do you think the age off will impact my Experian and Vantage scores? I’m hopeful it will be a great boost since I’m rated POOR 🔴 for this category.

CURRENT CREDIT SCORES: 600 Experian via Chase Credit Journey 610 Transunion Vantage via Capital One Creditwise 637 FICO Score via Discover Card 643 FICO Score via American Express

You know I will be closely watching each month beginning September 30.

Thank you.

Has anyone ever had their payement to Carrington Home Mortgage returned NSF? Will they try the payment a second time?

So I've been in the US for 5 months but my credit score is still at 630. I have 2 major credit cards (Discover and capital one) and 2 shopping cards (TJ max and maurices). How TF do I improve my credit score by next year since I am planning to purchase a car.

I've never used a credit card before and this is my first time so I dont know how credit score works. For context, I usually use 60-70% of my card1 and pay it off in 2 months. For Card2, it's pretty new so I dont have a statement for it yet.

Any idea how to boost credit score to 700+?

I need to rebuild my credit what’s the best way to do this? Someone told me to open up whatever card I can get offered and use it? Any advice?

I’m hoping I’m not alone or maybe someone can give me some advice. I’m 24 and in the past year have really turned my life around. I got married, I have a great job ($150k+), and now I’m looking to fix my credit.

I grew up dirt poor with absolutely no positive financial guidance and did the typical college student thing.. racked up cc debt and treated them like free money. Stupid, I know! I accumulated a little over 4K in cc debt over 3 cards along with a 20k car loan. I got behind on payments with 2 of the cards and they charged off.

I went back in last year and paid the charge offs as well as paid off the car loan. I’m now at just under 2k left on a cc but I’ve had perfect payments. I brought my score up from a 550 to a 656 in the last 6 months to a year.

Here’s the issue: I cannot get approved for a new credit card. I could really use one for work. I spend about 2k per month in expenses and as of now just do it through my checking. It feels like no major credit card will take me because of my (very stupid) past. I’ve learned from my mistakes but how do I show them that? Who do I go to? Are there special cards for idiots like me that don’t just have a $200 limit?

It really feels like I’m on the outside looking in and no matter what I do I can’t rectify my past. Anyone else ever been in this situation or have any advice? Thank you!

Just got my first credit score on November 26th and was curious if it’s normal or expected for it to go down a bit at first?

Could someone please explain the deal with disputed items being an issue for securing a mortgage? I am in the rebuild process and am waiting on 3 late payments to drop off my oldest Citibank card that I opened in 2014:

• 30 day late Dec 2018
• 60 days late January 2019
• 30 days late August 2019

A while back I tried submitting a Goodwill letter and instead of honoring my request, they updated my credit reports to say that I disputed/disagreed, even though I acknowledged my mistake. I tried calling all three bureaus to have them change/told them I do not disagree with the information and while they agreed to update it, it never happened. Now, I’ve heard in numerous places that it will not be possible to secure a mortgage with any disputed accounts. Could someone explain what I need to do? Once the late payments fall off, will the remark still be there if the account is still open?

I’ve got one credit card with about 15K on it currently, and have a plan to pay it off in less than a year. I recently made a large payment which decreased my credit card utilization from 34% to 29%. After this, my Vantage score on Credit Karma dropped from 784 to 772.
The card is still open and not closed, so the account is still active. All my other credit cards are paid off, in good standing, and have active accounts. My mortgage is also in good standing. I have no late payments or negative marks on my credit report.

I cannot for the life of my figure out why this would have negatively affected my credit in such a dramatic way.

Any thoughts?

So, several years ago I was young and dumb and made some really stupid mistakes. Amscot loan I never paid back (2016), overdrafted a bank acct (2017), took a loan out for a phone that I never fully paid off (2019). Anyways, my credit was pretty horrible. The last couple years ive been trying to get my life together, and my credit score really wasn’t that high on my priority list. But now it is. I’m sitting at 599, and the only thing that’s marking my credit down is a derogatory mark from “Jefferson’s Capital System” (a collections agency I assume) for $509. But the thing is, it says this mark was added on Dec 20th, 2023. I have no idea what this could possibly be. I know some of my marks have fallen off with time, but I haven’t done anything that could affect my score within the last couple years. What could this be, and how do I remove it? Is there any way to find out what exactly this mark is for? I disputed it through credit karma, so hopefully it gets taken off.

Hello...long story short, At ages 21-23 I made some POOR financial choices that hurt my credit. My worst score was 482 in 2023. As of today I just got 600 on Experian, 597 on MyFICO, and CK is showing 611/606. I would be grateful for some guidence. Here are my debts. I'll bold the ones I need the most help on.

Credit Cards:

• Capital One Platiumn - Statement balance 192. I plan to pay the statement balance this week. $300 credit limit.
• Discover - AUTHORIZED USER. Never missed payment.
• JPMCB Card - AUTHORIZED USER. Never missed payment.
• AVA Finance - $2500 limit used for streaming and entertainment. I've never missed payment and pay in full every month.
• Chime Credit Card - I put like $50 on it. Small bills, paypal orders, and doordash
• Discover(Closed) - My closed account that shutdown due to not using it(I had a fear of credit cards once I realized how bad of a hole I was in). $2637 balance out of $3000. I don't fully understand how closed/inactive accounts works. I make payments on it and plan to do a settlement. Is that a good idea? What's the best way to handle this?

Loans:

Edfinancial Student Loans - In foreberance. Previously was enrolled in a program before foreberance.

Sallie Mae Student Loans - $111,424.55 between 11 loans. I used to pay 2k on this. Now I pay $600 after they agreed to lower payment cost. Prior I had alot of missed payments for a year. Since being at $600 I have not missed payments.

AFFIRM - I had some AFFIRM loans go to collections. I've paid all but 3 off. I plan to settle these 3. I'm settling 154 for 77, 259 for 199, and another 259 for 114. I plan to do this in December and January. Is this a good idea?

OneMain - I had a OneMain loan for 1500 that I paid this year after getting charged off.

Upstart - I had a loan for 5000 that got charged off. On my reports it say balance $0 and 100% paid off but I know this isn't true. However I don't know what debt collector this was sold to. When I login to the app it doesn't show my loan. What can I do about this? Do I ignore it since I don't know who the debt collector is? I wanted to settle this as well.

Collections:

• Collection 1 - 358 that I'm settling for 110 this week. They agreed in writing and verbally for a pay to delete. That should help correct? How much of an impact would a deleted collection have on my credit?

• Collection 2 - 2,244 that I'm settling for 850 in December or January. They also agreed in writing and verbally for a pay to delete. That should help correct? How much of an impact would a deleted collection have on my credit?

This is from my credit report today. 25M. I know I put myself in the hole but this year showed me there's light at the end of the tunnel. I almost cried seeing 600 after working hard to bounceback from 482. Shoutout to my wife for helping me as well. My family isn't very knowledgeable when it comes to credit so I'm learning as I go. In terms of my poor life choices...I won't do them again but I did what I did and got to live with that. Best thing I can do is fix what I can fix.

Thanks for the help in advance.

Ok so this isn't actually me, it's a friend of mine but for the sake of storytelling we'll pretend it's me. I bought a house with my then boyfriend. He didn't have good credit, I did. So we are on the loan together. We have since split up but still live together in different rooms. I pay for utilities. He pays the mortgage. We put the house on the market a while ago, but took it off. He refuses to sell now and wants to buy me out. I refuse to move out with my name still on the loan. We have since gotten a roommate to help pay for the mortgage, but he is still paying it late just to spite me and ruin my credit. (While all this was going on he also went out and bought a new car while complaining about not having money for the mortgage). It's there any legal action I can take?

Hi! My FICO 9 score is currently 605. I need to increase it to 650 to meet loan approval requirements.

I just recently paid off a credit card that was reporting 127% utilization. This increased my score by 21 points, but now I am getting a negative remark as "insufficient or no recent activity on credit cards and/or bank-issued open ended accounts" because that was the only credit card I had a reporting and now it is closed.

According to the myFICO 8 simulator, opening a card with a $500 limit will increase my credit score by 30 points because it's really dragging it down not having any type of open credit. I was looking into Self Credit Card to open a secured card with no hard inquiry.

Another negative remark is that I have too many credit accounts with balances. (1 credit union loan, 8 student loans, and a car loan) The credit union loan I have already paid off and am waiting to update to the credit bureaus. 3 of the student loans I can pay off in full in order to lower the total amount of credit accounts. So I would go from 10 open accounts to 6.

So basically, would opening a new line of credit and lowering the total amount of credit accounts I have be a good start to increasing my score? I am a bit worried about closing the student loan accounts because I've heard conflicting information about how that can drop my score even more.

As for my overall credit history, both the card reporting 127% utilization and the credit union loan were charge offs. I understand that there's nothing I can do about the late payment history, but once the paid off loan updates to the credit bureaus my understanding is that FICO 9 ignores paid collections so I'm hoping paying that off helps quite a bit. My student loans and my car payment are all in good standing with no late payments/delinquency.

Thank you so much for any insight!!

I’m gonna keep it simple. I just turned 20 I didn’t have a job and was searching for one. I was living off 3 credit cards Wells Fargo (2k) capital one (800) and discover (2.5k) totaling over 5k and I never was able to pay it off until now. they have been delinquent for about 5-6 months. My credit tanked down to 470. So, couple questions. I want to eventually apply for an apartment in the next year. Can the delinquencies be removed off my report? And should I pay them back fully one time or pay them back over time?

Hello everyone,

I am trying to get some guidance/advice from people who aren't my mother/grandmother lol. I am a 28F and my husband is 30M. We have been working extremely hard to get ourselves in a better financial situation and educating ourselves. We own our current townhome and are wanting to move in the future, as soon as we are able to get our credit up. Our credit scores are both low, and I wanted to see what others thought of the debt we have on our reports (all debt is individual). These are specifically collections debt, which is 90% of our debt aside from our home and auto loan. I am getting this information from our Experian credit report.

I am curious to know if I should try paying on any of these, trying to get a settlement, pay for deletion, or what I should do with them. We are hoping to move in the next year or two depending on how fast we can get our scores up, so that is definitely the priority. Any help would be appreciated! Debt is below -

28F:

- $536 - On record until Dec 2027.

- $176 - On record until Sep 2030.

- $8,519 - On record until May 2027.

- $249 - On record until Jul 2026.

30M:

- $634 - On record until Oct 2030.

- $354 - On record until Sep 2029.

- $487 - On record until Nov 2026.

- $547 - On record until Aug 2025.

i’m freaking out. i have almost an 800 credit score. I’m 26 and have been leasing with Honda since i was 18. i have NEVER missed a payment. i recently got a new lease in august and they paid for my first payment, making my first official payment due sept 30th. i paid for the sept 30th payment and SWOREEEE up and down i set up autopay.. apparently didn’t and logged onto my account to missed payments for 10/30 and 11/30. paid it instantly. I never got a statement for November for some reason over email, so just didn’t pay attention.. no phone calls or anything either which I felt like would happen if i was late but maybe not.. do i call Honda financial services in the morning and beggg that they don’t report it? it was due friday at midnight so i’m hoping no reporting happens until Monday morning (tomorrow) when they’re back in the office and i can catch them in time 😅

I’m dealing with a deeply frustrating and concerning situation involving Equifax. I feel like their actions (or inactions) are not just putting me at risk of identity theft but actively helping an identity thief replace me. Here’s what’s happening:

• I have a valid Social Security Number (SSN) and a Citibank credit card. Until October 2024, I had no issues accessing my FICO score and credit report from Equifax.
• In October, Equifax stopped updating my FICO score. When I contacted them, they claimed my SSN didn’t match their records.
• They asked me to mail documents, so I sent my SSN card, utility bill, passport, and a correct report from TransUnion.

Despite confirming receipt of my documents, Equifax refused to process the dispute. Instead, they:

• Claimed they don’t accept foreign passports (even though it’s valid and supported by my SSN).
• Insisted that, as a non-citizen, I shouldn’t have an SSN but an ITIN, which is false.

When I requested a copy of my Equifax report, I found alarming errors:

1. My name and address were completely wrong.
2. My correct name was listed as "Other Name."
3. The Citibank credit card on my file was associated with the wrong name and address.

I filed an online dispute to correct this, providing the same documents. Instead of fixing the errors, Equifax:

• Deleted my correct name from the "Other Name" section.
• Replaced my current address with an incorrect one.

What’s even more troubling is that, over the past year, the identity thief has opened three credit cards using my information. This fraudulent activity appears in my Equifax report but is not reflected in the accurate reports from TransUnion and Experian. It feels like Equifax is actively enabling this identity thief by protecting fraudulent data and refusing to update my correct information.

To make things worse, Equifax seems to discriminate based on nationality, refusing to accept foreign passports and insisting I shouldn’t have a credit report because I’m a non-citizen. I believe this violates the Fair Credit Reporting Act (FCRA) and possibly other anti-discrimination regulations.

I’ve filed a complaint with the CFPB and plan to escalate to the Illinois Attorney General, but I feel overwhelmed and unsure what else I can do.

Does anyone have advice on:

1. How to hold Equifax accountable for enabling identity theft?
2. Protecting myself while this is unresolved?
3. Escalating this issue further to address the discrimination and regulatory violations?

Thank you for reading—I really appreciate any help or insights you can share.

My mother is 85 years old, and has been summoned to Small Claims Court for an unpaid credit card debt of around $5 thousand.

It is a retail credit card, and it's the issuing bank (not a collections agency) filing the complaint.

She has no assets, gets Social Security, lives in an assisted living facility (paid for by my brother and me), has serious mobility issues and is starting to have cognitive issues.

She is in Medicare, Care Plus. When she was served, she didn't even understand what was happening.

She has gone through a lot: my sister passed away recently, the individual who handled her affairs moved out of state and stopped helping her because of a Cancer diagnosis, she moved from her apartment to an assisted living facility, then to a new one.

I have a power of attorney from her. Taking her to the hearing would be very ugly.

Questions:

• What are her options?
• Should I write a letter to the court and the plaintiffs asking for dismissal, show up in court to negotiate a payment plan (to be paid by me) or something else?
• If negotiation (mediation) is the solution, what is a feasible deal? Letter says damages, court costs, post judgement interest, etc.
• If she doesn't show up, the court will issue a default judgement. What would it look like?
• What kind of lawyer or organization can help?
• Is it worth hiring a lawyer for a $5200 case?

I understand they cannot garnish her SS payment, which is her only income.

Thank you for your help!

My partner grew up in the US and had good credit, getting rentals, credit cards, always paying on time, etc, but has lived o/s with me for the last 8 years, where he could no longer maintain a us bank account to have a us credit card as he was no longer a resident.

We are now in the process of moving to the US - I know our excellent credit in Australia cannot be transferred, but how can we build our credit quickly so we can either get a rental or mortgage?

Someone in an immigration sub told me that if we have an American Express card that can transfer over - is this correct? We both have an amex that is paid off on time in full.

Does money in savings/investments do anything to help with credit?

We would maybe buy a car when we arrive (depending on where we live), and would do this in cash because we wouldn't want the interest of a loan, or is it better/possible to get a loan that has no interest if paid on time? Would we even be able to get a loan for this with no credit?

MCM has filed a lawsuit to sue me for a debt collection but a) they filed it in a county that I no longer live in (my license and USPS show my actual address), and b) also attempted to serve me at my parents’ house, where I do not live. What are the chances that they re-file in the correct county? Would they bother?