Need help asap

For just about anything you want to get off your chest about credit cards.
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Need help asap

Postby impaladre63 » Thu Oct 16, 2014 12:52 am

Credit karma score 754:
Portfolio recovery coming at me for second debt.. The debt owed is $3200 bought from capital one bank the letter is dated 10/9/14 i received it 10/14/14 theyre giving me until 10/31/14 to accept pif or 320/mo for 6 mos. Can i dv to buy some time? Because im trying to use the sol to dispute but i dont know the dola..I checked experian, tu, and its not showing up on those two i lost wifi connection before getting equifax.. now i have to request that one by mail but wont have time for it get back in time.. I live I live in Tn isn't the sol 6 or 7 yrs? When I went to court to reduce my garnishment on the last one from portfolio the clerk said that they had 10 yrs? Im guessing since portfolio won by default because i didnt show up in court they figured i would fold again.. just like this time I didn't see it on my cr so I stupidly ignored the letters and missed the court date they garnished me for $8000 I'm paying 120/ mo double of what the oc (unifund) wanted.. Can i dv and get the dola date? I dont know my real credit score but on credit karma its 754 i worked gard for this and finally started being responsible i have chase freedom with 4500 cl barclaycard with 1500 cl.. leaders credit union with 500 cl and a lcu loan all in good standing no missed payments credit utilization 10 percent or less I won't be doing cash advances .. ps. I got the chase and Barclaycard in June 2014 should I wait til December to apply discover it and amex with no annual fee? And last but not least.. the only potentially negative on my credit is from 1st premier bank opened 06/2006 it was only late in November 09 (30 past due) then closed it (not smart)because my mom had this card and didn't know it until I saw a late statement.. can I get this removed somehow?

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Say what?

Postby randeman » Tue Oct 21, 2014 5:27 pm

Well, I read it, and couldn't make sense of most of what you wrote. Punctuation is your friend. If you want to rewrite it, clearly and concisely, maybe you can get more feedback. The only thing I did understand is your question regarding the statute of limitations. It varies from state to state. Just be aware that the SOL governs how long the debt can stay on your credit report and how much time they have to sue you, should they choose to. As long as the debt is unpaid, even after the SOL expires, they can still pursue collection--but it's about as effective as a fangless rattlesnake.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

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Postby djrez4 » Tue Oct 21, 2014 8:37 pm


What randeman said...
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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Postby lobbythis » Tue Oct 21, 2014 8:45 pm

Pay your bills. You don't need more credit cards.

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Postby beef.stu » Wed Oct 22, 2014 1:38 am

lobbythis wrote:Pay your bills. You don't need more credit cards.

+1 .
(01/10) - Wells Fargo VISA Platinum
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature

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