Hi guys. I just needed help on getting my '90+ day' delinquent mark removed. I had a 3k loan that I completely forgot about during covid since it has been paused and one day woke up learning that my loan was transferred to edfinancial in Jan and that my credit dropped by a 100+ points as of 2 days ago. I got zero warnings, no 30 day or 60 day notification. My credit report says that this is the only missed payment. I own a home and car so I'm not desperate to fix my credit but feel like it's unfair for me to ruin my credit for a simple miscommunication. I called Edfinancial and they are not budging. I got the same agent twice on two different days lol. I guess they got their money and don't want to deal with me any longer. My question is can I dispute this with the 3 main credit bureaus? I'm not even sure how to even word the dispute as I'm so confused.

I just got car insurance for my new car and I got a letter days later saying they were missing a “signed application” from me. What does that even mean? I then called the customer service line and they put me on hold for an hour so I gave up. This was first acceptance car insurance

Basically, they screwed me over on an accident, failed to defend me when I was clearly not at fault, even according to the law. Showed law to the adjuster. Adjuster said "There is nothing you can do, or show me that will make me reconsider my decision." I said "even the law, sir?" He said "Nothing." Then tried to get my claim file a couple years after the fact, and they essentially denied me access and blocked my access to my online account by changing something in my name and changing my DOB. Filed for breach of contract, and their lawyer answered claim saying "he's not our customer", trying to pin it on the underwriter, who, as it turns out, isn't even the real underwriter! It's a fronting arrangement with multiple layers of shell companies.......totally not transparent. Complaint to DOI has been under review, but way past deadline for response or resolution. This is gonna be a fun project. Anybody run into something like this before?

Hi all! I have a 13 year old German shepherd mix Pitbull grandpa baby with no pre existing conditions. I took him to the vet recently and it looks like he may have signs of arthritis at his back legs. Aside from that he is relatively healthy and has a few years strong(hopefully) My question is whether to continue my current insurance with nationwide or switch to something relatively cheaper/better or stash cash. I recently used it for his visit and they only covered 70 % of the visit, vaccine was not included and I have a 250 deductible. My premium is about 200 a month. My family and I think aside from emergencies and possible end of life care we’re not sure if the premium is worth it. Any advice is deeply appreciated!

I have had Embrace pet insurance for my dog and cat for 10 years and they have always been Awesome and I have a 90% Reimbursement Rate on covered claims . They have covered many claims and have helped alot . I do pay a hefty monthly price to have this peace of mind. I’m use to an annual increase that’s incremental but a 55% jump from 220 a month is just outlandish in my opinion to 340 a month now . Have you experienced a High Rate Increase also?

I applied for a comenity card through Forever21 (big mistake). I had a total debt of $300 dollars on that account. The customer representative took down the wrong address and name so I never received a physical credit card resulting in not being able to make the payment. I had to leave country for a month and I couldn’t receive any calls from comenity resulting in a 60 days late payment. My credit score plummeted from 715 to 533 (Feb 2024). I am trying to get my credit score up. Despite my $2000 spending every month on my Amex card, my credit score has gone up to 581. I moved to US in 2022 so I don’t have a long payment history. What are my options here? Should I contact comenity? Or should I try to contact Transunion? I’m worried that I will get not get an apartment now that my lease is coming to an end.

Gcredit 151 na utang Hello guys. Sobrang taas kasi ng penaalty na pinataw sakin ni Gcredit, napabayaan ko na din ilang buwan kasi nalimutan ko na meron pala akong existing na na-utang don i think mula sa pagloload lang. Nung binuksan ko, 1500 ung penalty pero yung utang ko is 151 lang huhu. Feeling ko sobra naman yung penalty at nagcontact ako sa customer service ni gcash at email ng collection pero wala reply sa email at sa help center is wala silang nagagawa. Parang ayoko bayaran dahil feeling ko excessive naman. Total is 1651 lahat from 151 na utang. I know na fault ko na hindi lagi nagchecheck ng accounts ko pero balak ko naman sana bayaran pero hindi sana ganiyan kalaking penalty na 10x sa loan ko. I did research and saw BSP Circular No. 1133, series of 2021 which is "A total cost cap of 100 percent of total amount borrowed (applying to all interest, other fees and charges, and penalties) regardless of time the loan has been outstanding." valid po ba ito kay gcredit? Should that mean na 151 lang din dapat ang max fee (penalties, service charge and interest) na babayaran ko with my loan totalling to 302 pesos max?

Hello, I just found this sub. I am looking at getting pet insurance. I have a 3 month old cavapoo. I was going to go with fetch until I saw all these horror stories. I am in Canada. Any suggestions? I got quoted $108 with trupanion. Seems high. Fetch was like $60 with the wellness. I notice they all jack up premiums based on whatever yearly too. Even if trupanion says it's not based on age, they can blame it on whatever. I asked them and they said they're is not cap on how much premiums can increase. I understand it's a gamble. Might never need it but I want the piece of mind of having coverage.

I recently had a claim denied. For context, I lived in VA and had State Farm insurance for several years. Shortly before I moved out of state, my wife lost her engagement ring. I assumed that was just a total loss and didn't think anything else of it until I was setting up insurance in my new state, and they recommended that I talk to my old agent to see if it was covered. I then called my old agent's office in VA, and they told me that I should file a claim because that loss should be covered. Less than 24 hours later I get a call from the claims department saying that my policy does not cover lost jewelry unless it was stolen. To my understanding, having a denied claim can hurt me by causing future premiums to go up or making it more likely for me to be rejected for coverage outright. Is there anything that I can do to fix this given that the only reason that I even filed a claim to begin with was that they told me to do it?

hi there, i have a 4-year-old domestic longhair. I do not have insurance for him, and I need to know what you all recommend he is indoor so i am mainly looking for wellness and accidents. also, we dont have a hospital or 24/7 clinic nearby. I have heard bad things about lemonade, and I have some options, so i have Metlife, Petsbest, Spot and Nationwide, please let me know thank you