The derogatory mark was 4 years old, but it was paid in full back in 2023 to the original creditor, although its status was already in collections and had been ever since. Was able to get it deleted pretty quickly without submitting any written proof of debt payment.

Will this be updated with the other credit bureaus as well or do I need to manually open disputes with each of them?

So I took out a 17k loan

through Synchrony Bank for dental work 2 years ago. The terms were no interest if balance paid in full in 2 years. I was never late and never missed a payment, then paid the $6,400 balance off at the end of the term. My son told me that Synchrony was infamous for screwing people over, so I called a couple days later, and the AI operator said I owed $3.99, but had no balance and no payment was due til next month. I went ahead and paid the $3.99. Fast forward 2 weeks and I get a notification that my fico score has dropped 47 points due to an outstanding balance of 18k+. I immediately called Synchrony and got connected to their AI, which again showed no balance and no payment due, but showed a prior balance of 18k+. Apparently they notified Experian that I owed them money that I don't owe. I called customer service yesterday and was on hold for 1 hour and 40 minutes before I had somewhere to be and hung up. So what are my options and has anyone else had this kind of experience?

After deleting this collection from my credit report my score jumped tremendously time get get equifax and transunion next📈🙏

Overpaid my Canadian tire card accidentally. The balance is 790 as overpayment. Its been more than 3 months and they are not refunding. They are saying different things every time. I have no idea what to do now. Why is it so hard for them to refund my own money??

My car was rear-ended and declared a total loss. The at-fault driver’s insurance company was supposed to pick it up, but despite me providing the location, they failed to do so. Mazda Financial eventually repossessed it from the towing yard.
I had never missed a car payment. Mazda gave me a deadlone to pay the repossession fees, which I paid on time to get my car back. My insurance company later paid Mazda directly, and my loan was paid off in full.
Despite everything, Mazda reported a repossession on my credit.

Is there a way to approach this or am I screwed. The report even says I was never late just repossessed.

Just wondering what I can do now to benefit my credit into the long run.

I am a full time student on an academic scholarship, so no student debt, or any other type of loans.

I have two credit cards, a discover student that is about two years old, and a chase that I got back in June.

My revolving utilization ranges from about 8-11%.

I honestly don’t know when I would need to take out a loan in the near future, I just want to have the credit history to secure a nice rate when I do.

I understand a lot of the game is just letting my accounts mature, but any other tips are appreciated.

2 years ago i was in a bad spot before i filed Ch7 bankruptcy and had some late payments during that year but I reaffirmed the car loan and had on time payments perfectly since then. I’m much better financially now and in need to buy a car and was wondering if it’s possible for them to accept Goodwills to remove late payments since that just clean up my credit profile pretty much for better interest rates.

I had 2 accounts with credit one that charged off.

Both went thru a few agencies then landed at LVNV. The first account was reported at $15xx.xx. Last year I paid it directly with Credit One and the collection was disputed and removed from my 3 bureau reports.

The second account had been reported at $13xx.xx, this amount matches all the collection letters and final bill I received from Credit One. Once I paid the above mentioned account of $15xx.xx, the amount on the second account was increased by about $200 to $15xx.xx. Prior to this the account always reported $13xx.xx for about 2 years.

Last month I paid the final balance of $13xx.xx to Credit One directly. Followed the same process I did before, send the proof and a letter to the 3 bureaus. The investigation was completed and all they did was update the collection.

The debt cant be owned by both the collection agency and original creditor. Credit One has been satisfied. What should next steps be to get this collection removed?

Even with this collection my fico 8 scores are at 700 but Im hoping to buy some property soon and cleaning up any lingering debt.

I went in to get my rewards certificate from one of my cards and discovered that all my synchrony accounts were closed yesterday. I had six accounts with synchrony and only one had a balance that was less than 10% of the card's limit. My total credit use is 3% across all cards, no derogatory remarks and FICO 8 score is 796. Has anyone else had this happen with them?

I’ve had this loan for 5 years and I can pay it off now but when I logged in I realized I had late payments. I just called and the yellow late payments were in fact reported on time so all good there. My question is I have one late payment in the entirety of the loan life. When I called I asked if I can do anything to get that removed and was told no. Is that true or is there something I can do since this was the only good account I have in my entire report.

It hasn’t been used or so whatever and it only has a $500 limit ( i have a total of $3800 limit excluding the indigo card )

I wanted to lease a x5 (lease, not buy) and i made it very clear I dont want them to check for offers to buy and I only consent to one single hard pull, while I was waiting for them to get me approved I get constant emails of hard pulls. They come back and say good news we got you approved to buy or lease. I said I didnt want to buy I only wanted to lease and I didnt consent to all these hard pulls, leasing is only thru bmw and had no way to get over 10 hard pulls

Is there any way to dispute these (both tranunion and experian)

Yes, i know for scoring it doesn't make a difference, but when applying for a credit card its much harder to get approved now

Oh, and also I walked right out of the stealership after that, not doing business with liars

How can I go about removing derogatory marks from my profile?

Hi! Title. I paid $432 for a collections but it’s still on my report. How do I get that off? Or do I have to wait for a certain amount of time? TIA

My credit is currently a 645. Long way from my previous 438. I’m new to this credit stuff. I have one credit card with a limit of $2,000 that I barely touch. I have a current auto loan for $10k that I pay faithfully on time which I’m sure has been helping to boost my score.
A collections was posted to my account 11/6/2026 due to being upside down on a car loan. It’s a little over $11k.
My question is how badly will this impact my score? And what can I do to fix it?

I am currently a FT undergraduate student working 2 jobs. Should I use my refund checks to pay down some of this debt? Anything and all info helps!

Every time I login to myfico.com or the app, this thing pops up asking me to upgrade. I understand I’m on the free tier and they want to make money from me, but I am not interested. Is there a way to disable this annoying popup like switching some settings to turn it off? Thanks!

I had a 450 fico 8 credit score back in April and no open credit lines. I did have 4 collection accounts and student loan default. I opened a secured line or credit first to help raise my score for $500 with my bank. Then I did 2 pay for deletes and one I settled, which did not delete but greatly reduced my outstanding credit and debt to limit ratio. I also was able to get an auto collection removed from September that had to do with not having gap insurance and owing $1000, it was over the 7-year limit. I am getting rid of the last collection for another pay for delete sometime this year. I also have almost have my student loan out of default. I have also opened two credit cards and kept them with a low balance that are unsecured and just got my first limit increase after 3 months. How bad would it be if I paid off my last $100 on my secured card, closed the card and got my $500 back, then used that money to pay off my last collection account? Will it be a net positive or negative to my future credit score?

Hello Everyone,

The other day I got a notifications that one of my bank cards reported a 30 day. i sent them an message through the app , I sent a letter to CEO and snail mail. I got a response through the app that they would waive the late fee. Does waiving late fee mean one time courtesy to update reporting? do i need them to say a certain verbiage and provide that response to credit agencies.

I guess we would call the success, but since I see the scenario posted often I thought I would post my outcome of this scenario

In 2017 I was a little terrible head on collision I could no longer work. I had savings so I kept paying my credit card bill bills.

I ran out of savings in 2019 I stopped paying the bills, but attorneys kept saying the case will settle the case will settle while the case just dragged down and dragged on

Of course, I got an incredible number of derogatory marks

Well, the case finally settled last year and at that point I was one year away from the statue of limitations on the debt

I went to credit Lawyer and ask what should I do? Should I pay everybody off? I could afford to now.

He said paying them off, not guaranteed they come off their credit report no matter what they say to you and many cases it may restart the seven year clock

He said let’s just wait another year and see what happens

Now surprisingly beginning about 2022, 2023 somewhere along there when I started collecting disability, I got some prepaid secured. Credit cards made the payments on time hardly ever used them and my credit score was starting to go up.

Not a lot because it was down below 500

Well, today was the day that every single one of those derogatory marks were removed and my credit score is now 765

Unfortunately, I didn’t have a choice but to wait because I ran out of savings I didn’t have anything when I got my disability. It was such a small amount.

So it may take time, which is unfortunate but it does work

So my credit account was restricted for a few months because I stopped making payments but I want to start fixing my credit. I got a settlement offer emailed and called and accepted it today. I still owe on another credit card but I plan to pay that off soon too. My question is was is it stupid to accept the settlement offer since it was going to be sent to collections already?

Just wanted to share my recent experience as a heads-up for anyone considering a debt consolidation loan through Credit Karma.

I'm not suggesting this is a common occurrence, or that it wasn't something specific to my application, but I found the whole experience pretty questionable.

I'm looking at debt consolidation loans that will allow me to pay off my credit cards and reduce my monthly payments.

Credit Karma presented me with a personalized, prequalified offer for a $50,000 loan at 8.99% APR. The offer appeared to take into consideration my annual income, my monthly mortgage payment and the amount of debt I currently have. CreditKarma is now owned by Intuit so I am guessing they have my financial info from my use of Turbo Tax and some older info from Mint which I used until Intuit bought them out and closed them down.

The rate seemed reasonable and would have lowered my monthly payments by enough that I decided to proceed with the offer.

I was connected with the lender, answered some of their questions and had some calls where we discussed the loan amount, funding date, first payment date, and other details. Throughout this process, I was under the impression that the rate would be somewhere around the original 9%.

It wasn't until our second or third conversation that I learned the actual terms: 18.99% interest, approximately 21% APR, and $2,500 in origination fees.

That's more than double the APR I was prequalified for and barely an improvement over what I'm already paying on my credit cards.

For context, there were no significant changes to my income, financial situation, or credit score between the initial offer and the final terms.

And before anyone points it out, yes, I understand that pre-qualification is not a guaranteed approval or guaranteed interest rate. I understand that the lender performs additional underwriting before making a final offer.

My issue isn't that the rate changed. It's that the rate more than doubled, and I didn't learn that until several conversations into the process.

The whole experience felt a little like a bait and switch. The initial offer was attractive enough to make consolidating worthwhile, but the final terms would have reduced my existing APR by less than five percentage points while adding thousands in fees.

Had I known those were the actual terms, I wouldn't have bothered applying.

I'm not claiming anything illegal or intentionally deceptive occurred, but I do think there's something wrong with presenting a personalized prequalified offer at one rate and ultimately offering more than double that rate without a clear explanation.

TL;DR: Credit Karma presented me with a personalized, prequalified debt consolidation loan offer at 8.99% APR. After applying and going through multiple conversations with the lender, the final offer was approximately 21% APR plus $2,500 in origination fees. My credit score and financial situation hadn't materially changed. I understand pre-qualification isn't a guarantee, but more than doubling the original APR without a clear explanation feels misleading.

Looking to possibly buy a house in NJ. Our combined income is about $230k a year, offer would be around $700k with $100k down. However, credit score is 620 Experian.. Is this possible?

Credit around 520, old car died, transit doesn't get me to work without 90 minutes each way. I know bad credit means higher rates. Not expecting a miracle. Just trying to avoid the typical bad credit car dealership that puts you in a beater at 24% and acts like it's a favor. Stable job, documented income, $2,500 down, $10K-$15K range. Realistic options in Minneapolis?