<!DOCTYPE html>
<html lang="en-US" dir="ltr">
	<head>
		<meta charset="utf-8">
		<title>Forums - Credit InfoCenter Forums</title>
		
			<!-- Google Tag Manager -->
<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src=
'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);
})(window,document,'script','dataLayer','GTM-TXZNBM8');</script>
<!-- End Google Tag Manager -->
		
		

	<meta name="viewport" content="width=device-width, initial-scale=1">


	
	


	<meta name="twitter:card" content="summary" />


	
		<meta name="twitter:site" content="@creditinfocentr" />
	


	
		
			
				<meta property="og:title" content="Credit InfoCenter Forums">
			
		
	

	
		
			
				<meta property="og:type" content="website">
			
		
	

	
		
			
				<meta property="og:url" content="https://www.creditinfocenter.com/community/">
			
		
	

	
		
			
				<meta property="og:site_name" content="Credit InfoCenter Forums">
			
		
	

	
		
			
				<meta property="og:locale" content="en_US">
			
		
	


	
		<link rel="canonical" href="https://www.creditinfocenter.com/community/" />
	




<link rel="manifest" href="https://www.creditinfocenter.com/community/manifest.webmanifest/">
<meta name="msapplication-config" content="https://www.creditinfocenter.com/community/browserconfig.xml/">
<meta name="msapplication-starturl" content="/">
<meta name="application-name" content="Credit InfoCenter Forums">
<meta name="apple-mobile-web-app-title" content="Credit InfoCenter Forums">

	<meta name="theme-color" content="#ffffff">






	

	
		
			<link rel="icon" sizes="36x36" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/android-chrome-36x36.png">
		
	

	
		
			<link rel="icon" sizes="48x48" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/android-chrome-48x48.png">
		
	

	
		
			<link rel="icon" sizes="72x72" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/android-chrome-72x72.png">
		
	

	
		
			<link rel="icon" sizes="96x96" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/android-chrome-96x96.png">
		
	

	
		
			<link rel="icon" sizes="144x144" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/android-chrome-144x144.png">
		
	

	
		
			<link rel="icon" sizes="192x192" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/android-chrome-192x192.png">
		
	

	
		
			<link rel="icon" sizes="256x256" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/android-chrome-256x256.png">
		
	

	
		
			<link rel="icon" sizes="384x384" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/android-chrome-384x384.png">
		
	

	
		
			<link rel="icon" sizes="512x512" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/android-chrome-512x512.png">
		
	

	
		
			<meta name="msapplication-square70x70logo" content="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/msapplication-square70x70logo.png"/>
		
	

	
		
			<meta name="msapplication-TileImage" content="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/msapplication-TileImage.png"/>
		
	

	
		
			<meta name="msapplication-square150x150logo" content="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/msapplication-square150x150logo.png"/>
		
	

	
		
			<meta name="msapplication-wide310x150logo" content="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/msapplication-wide310x150logo.png"/>
		
	

	
		
			<meta name="msapplication-square310x310logo" content="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/msapplication-square310x310logo.png"/>
		
	

	
		
			
				<link rel="apple-touch-icon" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/apple-touch-icon-57x57.png">
			
		
	

	
		
			
				<link rel="apple-touch-icon" sizes="60x60" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/apple-touch-icon-60x60.png">
			
		
	

	
		
			
				<link rel="apple-touch-icon" sizes="72x72" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/apple-touch-icon-72x72.png">
			
		
	

	
		
			
				<link rel="apple-touch-icon" sizes="76x76" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/apple-touch-icon-76x76.png">
			
		
	

	
		
			
				<link rel="apple-touch-icon" sizes="114x114" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/apple-touch-icon-114x114.png">
			
		
	

	
		
			
				<link rel="apple-touch-icon" sizes="120x120" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/apple-touch-icon-120x120.png">
			
		
	

	
		
			
				<link rel="apple-touch-icon" sizes="144x144" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/apple-touch-icon-144x144.png">
			
		
	

	
		
			
				<link rel="apple-touch-icon" sizes="152x152" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/apple-touch-icon-152x152.png">
			
		
	

	
		
			
				<link rel="apple-touch-icon" sizes="180x180" href="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/apple-touch-icon-180x180.png">
			
		
	





<link rel="preload" href="//www.creditinfocenter.com/community/applications/core/interface/font/fontawesome-webfont.woff2?v=4.7.0" as="font" crossorigin="anonymous">
		


	
		<link href="https://fonts.googleapis.com/css?family=Inter:300,300i,400,400i,500,700,700i" rel="stylesheet" referrerpolicy="origin">
	



	<link rel='stylesheet' href='https://www.creditinfocenter.com/community/uploads/css_built_1/341e4a57816af3ba440d891ca87450ff_framework.css?v=bccdc2a64f1650816944' media='all'>

	<link rel='stylesheet' href='https://www.creditinfocenter.com/community/uploads/css_built_1/05e81b71abe4f22d6eb8d1a929494829_responsive.css?v=bccdc2a64f1650816944' media='all'>

	<link rel='stylesheet' href='https://www.creditinfocenter.com/community/uploads/css_built_1/90eb5adf50a8c640f633d47fd7eb1778_core.css?v=bccdc2a64f1650816944' media='all'>

	<link rel='stylesheet' href='https://www.creditinfocenter.com/community/uploads/css_built_1/5a0da001ccc2200dc5625c3f3934497d_core_responsive.css?v=bccdc2a64f1650816944' media='all'>

	<link rel='stylesheet' href='https://www.creditinfocenter.com/community/uploads/css_built_1/62e269ced0fdab7e30e026f1d30ae516_forums.css?v=bccdc2a64f1650816944' media='all'>

	<link rel='stylesheet' href='https://www.creditinfocenter.com/community/uploads/css_built_1/76e62c573090645fb99a15a363d8620e_forums_responsive.css?v=bccdc2a64f1650816944' media='all'>





<link rel='stylesheet' href='https://www.creditinfocenter.com/community/uploads/css_built_1/258adbb6e4f3e83cd3b355f84e3fa002_custom.css?v=bccdc2a64f1650816944' media='all'>




		
		

	</head>
	<body class='ipsApp ipsApp_front ipsJS_none ipsClearfix' data-controller='core.front.core.app' data-message="" data-pageApp='forums' data-pageLocation='front' data-pageModule='forums' data-pageController='index'   >
		<a href='#ipsLayout_mainArea' class='ipsHide' title='Go to main content on this page' accesskey='m'>Jump to content</a>
		
			<div id='ipsLayout_header' class='ipsClearfix'>
				





				<header>
					<div class='ipsLayout_container'>
						


<a href='https://www.creditinfocenter.com/community/' id='elLogo' accesskey='1'><img src="https://www.creditinfocenter.com/community/uploads/monthly_2021_07/cic_logo-dark-3.png.ff71fd22aba60f51b6f5548fc3d59d46.png" alt='Credit InfoCenter Forums'></a>

						
							

	<ul id='elUserNav' class='ipsList_inline cSignedOut ipsResponsive_showDesktop'>
		
		<li id='elSignInLink'>
			<a href='https://www.creditinfocenter.com/community/login/' data-ipsMenu-closeOnClick="false" data-ipsMenu id='elUserSignIn'>
				Existing user? Sign In &nbsp;<i class='fa fa-caret-down'></i>
			</a>
			
<div id='elUserSignIn_menu' class='ipsMenu ipsMenu_auto ipsHide'>
	<form accept-charset='utf-8' method='post' action='https://www.creditinfocenter.com/community/login/'>
		<input type="hidden" name="csrfKey" value="c78d1bd73f465344f65bfbf5afdc858e">
		<input type="hidden" name="ref" value="aHR0cHM6Ly93d3cuY3JlZGl0aW5mb2NlbnRlci5jb20vY29tbXVuaXR5Lw==">
		<div data-role="loginForm">
			
			
			
				<div class='ipsColumns ipsColumns_noSpacing'>
					<div class='ipsColumn ipsColumn_wide' id='elUserSignIn_internal'>
						
<div class="ipsPad ipsForm ipsForm_vertical">
	<h4 class="ipsType_sectionHead">Sign In</h4>
	<br><br>
	<ul class='ipsList_reset'>
		<li class="ipsFieldRow ipsFieldRow_noLabel ipsFieldRow_fullWidth">
			
			
				<input type="text" placeholder="Display Name or Email Address" name="auth" autocomplete="email">
			
		</li>
		<li class="ipsFieldRow ipsFieldRow_noLabel ipsFieldRow_fullWidth">
			<input type="password" placeholder="Password" name="password" autocomplete="current-password">
		</li>
		<li class="ipsFieldRow ipsFieldRow_checkbox ipsClearfix">
			<span class="ipsCustomInput">
				<input type="checkbox" name="remember_me" id="remember_me_checkbox" value="1" checked aria-checked="true">
				<span></span>
			</span>
			<div class="ipsFieldRow_content">
				<label class="ipsFieldRow_label" for="remember_me_checkbox">Remember me</label>
				<span class="ipsFieldRow_desc">Not recommended on shared computers</span>
			</div>
		</li>
		<li class="ipsFieldRow ipsFieldRow_fullWidth">
			<button type="submit" name="_processLogin" value="usernamepassword" class="ipsButton ipsButton_primary ipsButton_small" id="elSignIn_submit">Sign In</button>
			
				<p class="ipsType_right ipsType_small">
					
						<a href='https://www.creditinfocenter.com/community/lostpassword/' data-ipsDialog data-ipsDialog-title='Forgot your password?'>
					
					Forgot your password?</a>
				</p>
			
		</li>
	</ul>
</div>
					</div>
					<div class='ipsColumn ipsColumn_wide'>
						<div class='ipsPadding' id='elUserSignIn_external'>
							<div class='ipsAreaBackground_light ipsPadding:half'>
								
									<p class='ipsType_reset ipsType_small ipsType_center'><strong>Or sign in with one of these services</strong></p>
								
								
									<div class='ipsType_center ipsMargin_top:half'>
										

<button type="submit" name="_processLogin" value="5" class='ipsButton ipsButton_verySmall ipsButton_fullWidth ipsSocial ipsSocial_facebook' style="background-color: #3a579a">
	
		<span class='ipsSocial_icon'>
			
				<i class='fa fa-facebook-official'></i>
			
		</span>
		<span class='ipsSocial_text'>Sign in with Facebook</span>
	
</button>
									</div>
								
									<div class='ipsType_center ipsMargin_top:half'>
										

<button type="submit" name="_processLogin" value="6" class='ipsButton ipsButton_verySmall ipsButton_fullWidth ipsSocial ipsSocial_twitter' style="background-color: #00abf0">
	
		<span class='ipsSocial_icon'>
			
				<i class='fa fa-twitter'></i>
			
		</span>
		<span class='ipsSocial_text'>Sign in with Twitter</span>
	
</button>
									</div>
								
							</div>
						</div>
					</div>
				</div>
			
		</div>
	</form>
</div>
		</li>
		
			<li>
				
					<a href='https://www.creditinfocenter.com/community/register/' data-ipsDialog data-ipsDialog-size='narrow' data-ipsDialog-title='Sign Up' id='elRegisterButton' class='ipsButton ipsButton_normal ipsButton_primary'>Sign Up</a>
				
			</li>
		
	</ul>

							
<ul class='ipsMobileHamburger ipsList_reset ipsResponsive_hideDesktop'>
	<li data-ipsDrawer data-ipsDrawer-drawerElem='#elMobileDrawer'>
		<a href='#'>
			
			
				
			
			
			
			<i class='fa fa-navicon'></i>
		</a>
	</li>
</ul>
						
					</div>
				</header>
				

	<nav data-controller='core.front.core.navBar' class=' ipsResponsive_showDesktop'>
		<div class='ipsNavBar_primary ipsLayout_container '>
			<ul data-role="primaryNavBar" class='ipsClearfix'>
				


	
		
		
		<li  id='elNavSecondary_1' data-role="navBarItem" data-navApp="core" data-navExt="CustomItem">
			
			
				<a href="https://www.creditinfocenter.com/" target='_blank' rel="noopener" data-navItem-id="1" >
					CIC Home<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
		</li>
	
	

	
		
		
			
		
		<li class='ipsNavBar_active' data-active id='elNavSecondary_8' data-role="navBarItem" data-navApp="forums" data-navExt="Forums">
			
			
				<a href="https://www.creditinfocenter.com/community/"  data-navItem-id="8" data-navDefault>
					Forums<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
				<ul class='ipsNavBar_secondary ' data-role='secondaryNavBar'>
					


	
		
		
		<li  id='elNavSecondary_7' data-role="navBarItem" data-navApp="core" data-navExt="Search">
			
			
				<a href="https://www.creditinfocenter.com/community/search/"  data-navItem-id="7" >
					Search<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
		</li>
	
	

					<li class='ipsHide' id='elNavigationMore_8' data-role='navMore'>
						<a href='#' data-ipsMenu data-ipsMenu-appendTo='#elNavigationMore_8' id='elNavigationMore_8_dropdown'>More <i class='fa fa-caret-down'></i></a>
						<ul class='ipsHide ipsMenu ipsMenu_auto' id='elNavigationMore_8_dropdown_menu' data-role='moreDropdown'></ul>
					</li>
				</ul>
			
		</li>
	
	

	
		
		
		<li  id='elNavSecondary_2' data-role="navBarItem" data-navApp="core" data-navExt="CustomItem">
			
			
				<a href="https://www.creditinfocenter.com/community/discover/"  data-navItem-id="2" >
					Activity<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
				<ul class='ipsNavBar_secondary ipsHide' data-role='secondaryNavBar'>
					


	
		
		
		<li  id='elNavSecondary_5' data-role="navBarItem" data-navApp="core" data-navExt="YourActivityStreamsItem">
			
			
				<a href="https://www.creditinfocenter.com/community/discover/unread/"  data-navItem-id="5" >
					Unread Content<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
		</li>
	
	

	
		
		
		<li  id='elNavSecondary_3' data-role="navBarItem" data-navApp="core" data-navExt="AllActivity">
			
			
				<a href="https://www.creditinfocenter.com/community/discover/"  data-navItem-id="3" >
					All Activity<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
		</li>
	
	

	
		
		
		<li  id='elNavSecondary_4' data-role="navBarItem" data-navApp="core" data-navExt="YourActivityStreams">
			
			
				<a href="#"  data-navItem-id="4" >
					My Activity Streams<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
		</li>
	
	

	
		
		
		<li  id='elNavSecondary_6' data-role="navBarItem" data-navApp="core" data-navExt="YourActivityStreamsItem">
			
			
				<a href="https://www.creditinfocenter.com/community/discover/content-started/"  data-navItem-id="6" >
					Content I Started<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
		</li>
	
	

					<li class='ipsHide' id='elNavigationMore_2' data-role='navMore'>
						<a href='#' data-ipsMenu data-ipsMenu-appendTo='#elNavigationMore_2' id='elNavigationMore_2_dropdown'>More <i class='fa fa-caret-down'></i></a>
						<ul class='ipsHide ipsMenu ipsMenu_auto' id='elNavigationMore_2_dropdown_menu' data-role='moreDropdown'></ul>
					</li>
				</ul>
			
		</li>
	
	

	
		
		
		<li  id='elNavSecondary_12' data-role="navBarItem" data-navApp="core" data-navExt="Leaderboard">
			
			
				<a href="https://www.creditinfocenter.com/community/leaderboard/"  data-navItem-id="12" >
					Leaderboard<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
		</li>
	
	

	
	

	
	

	
		
		
		<li  id='elNavSecondary_10' data-role="navBarItem" data-navApp="core" data-navExt="StaffDirectory">
			
			
				<a href="https://www.creditinfocenter.com/community/staff/"  data-navItem-id="10" >
					Staff<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
		</li>
	
	

	
		
		
		<li  id='elNavSecondary_11' data-role="navBarItem" data-navApp="core" data-navExt="OnlineUsers">
			
			
				<a href="https://www.creditinfocenter.com/community/online/"  data-navItem-id="11" >
					Online Users<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
		</li>
	
	

	
		
		
		<li  id='elNavSecondary_15' data-role="navBarItem" data-navApp="core" data-navExt="Guidelines">
			
			
				<a href="https://www.creditinfocenter.com/community/guidelines/"  data-navItem-id="15" >
					Guidelines<span class='ipsNavBar_active__identifier'></span>
				</a>
			
			
		</li>
	
	

				<li class='ipsHide' id='elNavigationMore' data-role='navMore'>
					<a href='#' data-ipsMenu data-ipsMenu-appendTo='#elNavigationMore' id='elNavigationMore_dropdown'>More</a>
					<ul class='ipsNavBar_secondary ipsHide' data-role='secondaryNavBar'>
						<li class='ipsHide' id='elNavigationMore_more' data-role='navMore'>
							<a href='#' data-ipsMenu data-ipsMenu-appendTo='#elNavigationMore_more' id='elNavigationMore_more_dropdown'>More <i class='fa fa-caret-down'></i></a>
							<ul class='ipsHide ipsMenu ipsMenu_auto' id='elNavigationMore_more_dropdown_menu' data-role='moreDropdown'></ul>
						</li>
					</ul>
				</li>
			</ul>
			

	<div id="elSearchWrapper">
		<div id='elSearch' class='' data-controller='core.front.core.quickSearch'>
			<form accept-charset='utf-8' action='//www.creditinfocenter.com/community/search/?do=quicksearch' method='post'>
				<input type='search' id='elSearchField' placeholder='Search...' name='q' autocomplete='off' aria-label='Search'>
				<button class='cSearchSubmit' type="submit" aria-label='Search'><i class="fa fa-search"></i></button>
				<div id="elSearchExpanded">
					<div class="ipsMenu_title">
						Search In
					</div>
					<ul class="ipsSideMenu_list ipsSideMenu_withRadios ipsSideMenu_small" data-ipsSideMenu data-ipsSideMenu-type="radio" data-ipsSideMenu-responsive="false" data-role="searchContexts">
						<li>
							<span class='ipsSideMenu_item ipsSideMenu_itemActive' data-ipsMenuValue='all'>
								<input type="radio" name="type" value="all" checked id="elQuickSearchRadio_type_all">
								<label for='elQuickSearchRadio_type_all' id='elQuickSearchRadio_type_all_label'>Everywhere</label>
							</span>
						</li>
						
						
							<li>
								<span class='ipsSideMenu_item' data-ipsMenuValue='forums_topic'>
									<input type="radio" name="type" value="forums_topic" id="elQuickSearchRadio_type_forums_topic">
									<label for='elQuickSearchRadio_type_forums_topic' id='elQuickSearchRadio_type_forums_topic_label'>Topics</label>
								</span>
							</li>
						
						
						<li data-role="showMoreSearchContexts">
							<span class='ipsSideMenu_item' data-action="showMoreSearchContexts" data-exclude="forums_topic">
								More options...
							</span>
						</li>
					</ul>
					<div class="ipsMenu_title">
						Find results that contain...
					</div>
					<ul class='ipsSideMenu_list ipsSideMenu_withRadios ipsSideMenu_small ipsType_normal' role="radiogroup" data-ipsSideMenu data-ipsSideMenu-type="radio" data-ipsSideMenu-responsive="false" data-filterType='andOr'>
						
							<li>
								<span class='ipsSideMenu_item ipsSideMenu_itemActive' data-ipsMenuValue='or'>
									<input type="radio" name="search_and_or" value="or" checked id="elRadio_andOr_or">
									<label for='elRadio_andOr_or' id='elField_andOr_label_or'><em>Any</em> of my search term words</label>
								</span>
							</li>
						
							<li>
								<span class='ipsSideMenu_item ' data-ipsMenuValue='and'>
									<input type="radio" name="search_and_or" value="and"  id="elRadio_andOr_and">
									<label for='elRadio_andOr_and' id='elField_andOr_label_and'><em>All</em> of my search term words</label>
								</span>
							</li>
						
					</ul>
					<div class="ipsMenu_title">
						Find results in...
					</div>
					<ul class='ipsSideMenu_list ipsSideMenu_withRadios ipsSideMenu_small ipsType_normal' role="radiogroup" data-ipsSideMenu data-ipsSideMenu-type="radio" data-ipsSideMenu-responsive="false" data-filterType='searchIn'>
						<li>
							<span class='ipsSideMenu_item ipsSideMenu_itemActive' data-ipsMenuValue='all'>
								<input type="radio" name="search_in" value="all" checked id="elRadio_searchIn_and">
								<label for='elRadio_searchIn_and' id='elField_searchIn_label_all'>Content titles and body</label>
							</span>
						</li>
						<li>
							<span class='ipsSideMenu_item' data-ipsMenuValue='titles'>
								<input type="radio" name="search_in" value="titles" id="elRadio_searchIn_titles">
								<label for='elRadio_searchIn_titles' id='elField_searchIn_label_titles'>Content titles only</label>
							</span>
						</li>
					</ul>
				</div>
			</form>
		</div>
	</div>

		</div>
	</nav>

				
<ul id='elMobileNav' class='ipsResponsive_hideDesktop' data-controller='core.front.core.mobileNav'>
	
	
	
	<li >
		<a data-action="defaultStream" href='https://www.creditinfocenter.com/community/discover/'><i class="fa fa-newspaper-o" aria-hidden="true"></i></a>
	</li>

	

	
		<li class='ipsJS_show'>
			<a href='https://www.creditinfocenter.com/community/search/'><i class='fa fa-search'></i></a>
		</li>
	
</ul>
			</div>
		
		<main id='ipsLayout_body' class='ipsLayout_container'>
			<div id='ipsLayout_contentArea'>
				<div id='ipsLayout_contentWrapper'>
					
<nav class='ipsBreadcrumb ipsBreadcrumb_top ipsFaded_withHover'>
	

	<ul class='ipsList_inline ipsPos_right'>
		
		<li >
			<a data-action="defaultStream" class='ipsType_light '  href='https://www.creditinfocenter.com/community/discover/'><i class="fa fa-newspaper-o" aria-hidden="true"></i> <span>All Activity</span></a>
		</li>
		
	</ul>

	<ul data-role="breadcrumbList">
		<li>
			<a title="Home" href='https://www.creditinfocenter.com/community/'>
				<span>Home</span>
			</a>
		</li>
		
		
	</ul>
</nav>
					
					<div id='ipsLayout_mainArea'>
						
						
						
						

	




						

<div class='ipsPageHeader ipsClearfix ipsMargin_bottom cForumHeader ipsHeaderButtons ipsFlex ipsFlex-ai:center ipsFlex-jc:between'>
	<h1 class='ipsType_pageTitle ipsFlex-flex:11 ipsType_break'>
		Forums
	</h1>
	
		<ul class='ipsToolList ipsToolList_horizontal ipsClearfix sm:ipsPos_none sm:ipsMargin:none ipsFlex-flex:00'>
			<li class='ipsToolList_primaryAction ipsResponsive_hidePhone'>
				<a class="ipsButton ipsButton_medium ipsButton_important" href="https://www.creditinfocenter.com/community/startTopic/" data-ipsDialog data-ipsDialog-size='narrow' data-ipsDialog-title='Select Forum'>Start new topic</a>
			</li>
			

		</ul>
	
</div>
<ul class="ipsToolList ipsToolList_horizontal ipsResponsive_hideDesktop ipsResponsive_hideTablet ipsResponsive_block ipsClearfix">
	



<li class='ipsToolList_primaryAction ipsResponsive_hideTablet'>
	<a class="ipsButton ipsButton_medium ipsButton_important ipsButton_fullWidth" href="https://www.creditinfocenter.com/community/index.php?app=forums&amp;module=forums&amp;controller=forums&amp;do=add" rel="nofollow" data-ipsDialog data-ipsDialog-size='narrow' data-ipsDialog-title='Select Forum'>Start new topic</a>
</li>



</ul>

<section>
	<ol class='ipsList_reset cForumList' data-controller='core.global.core.table, forums.front.forum.forumList' data-baseURL=''>
		
			
			<li data-categoryID='166' class='cForumRow ipsBox ipsSpacer_bottom ipsResponsive_pull'>
				<h2 class="ipsType_sectionTitle ipsType_reset cForumTitle">
					<a href='#' class='ipsPos_right ipsJS_show ipsType_noUnderline cForumToggle' data-action='toggleCategory' data-ipsTooltip title='Toggle this category'></a>
					<a href='https://www.creditinfocenter.com/community/forum/166-announcements/'>Announcements</a>
				</h2>
				
					<ol class="ipsDataList ipsDataList_large ipsDataList_zebra" data-role="forums">
						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="187">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/187-please-read-before-posting-board-announcements/">PLEASE READ BEFORE POSTING / Board Announcements</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>Find posting etiquette tips, other "rules of the road", abbreviations explained, and announcements we need to share with you.  All new members should start here.</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">180</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/173953-backfromthedebt/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/173953-backfromthedebt/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to BackFromTheDebt's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%23c4629d%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EB%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='BackFromTheDebt' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/333216-please-do-not-post-in-board-announcements/" title='Please Do Not Post In Board Announcements'>Please Do Not Post In Board Announcements</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/173953-backfromthedebt/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/173953-backfromthedebt/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to BackFromTheDebt's profile" class="ipsType_break">BackFromTheDebt</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/333216-please-do-not-post-in-board-announcements/' title='Go to last post'><time datetime='2020-10-27T15:19:15Z' title='10/27/2020 03:19  PM' data-short='2 yr'>October 27, 2020</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="201">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/201-cosmetic-changes-to-the-forum/">Cosmetic Changes to the Forum</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>
	We're making some changes to the forum, starting with some color and cosmetics. 
</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">2</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/112261-harry-seaward/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/112261-harry-seaward/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Harry Seaward's profile">
		<img src='https://www.creditinfocenter.com/community/uploads/monthly_2016_08/20160807_192758_crop.jpg.ea721472e4c174a601de9832e99618ca.thumb.jpg.fe3d324e0acdae2804b154150071cb3f.jpg' alt='Harry Seaward' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/335301-making-a-few-cosmetic-changes-to-the-forum/" title='Making a few cosmetic changes to the forum...'>Making a few cosmetic changes to the forum...</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/112261-harry-seaward/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/112261-harry-seaward/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Harry Seaward's profile" class="ipsType_break">Harry Seaward</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/335301-making-a-few-cosmetic-changes-to-the-forum/' title='Go to last post'><time datetime='2021-11-23T23:04:32Z' title='11/23/2021 11:04  PM' data-short='1 yr'>November 23, 2021</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="189">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/189-resources/">Resources</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>Place to go to look up helpful information such as state laws, case law and other sites for finding great information regarding credit repair.</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">568</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/178377-bulldoger/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Bulldoger's profile">
		<img src='https://www.creditinfocenter.com/community/uploads/monthly_2021_09/xenasmall.thumb.jpg.6a1a913bbcf3d1fb7de06df446870396.jpg' alt='Bulldoger' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/334727-covid-sol-extensions-per-state/" title='COVID SOL extensions per state'>COVID SOL extensions per state</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/178377-bulldoger/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Bulldoger's profile" class="ipsType_break">Bulldoger</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/334727-covid-sol-extensions-per-state/' title='Go to last post'><time datetime='2021-06-22T23:47:09Z' title='06/22/2021 11:47  PM' data-short='1 yr'>June 22, 2021</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
					</ol>
				
			</li>
			
		
			
			<li data-categoryID='165' class='cForumRow ipsBox ipsSpacer_bottom ipsResponsive_pull'>
				<h2 class="ipsType_sectionTitle ipsType_reset cForumTitle">
					<a href='#' class='ipsPos_right ipsJS_show ipsType_noUnderline cForumToggle' data-action='toggleCategory' data-ipsTooltip title='Toggle this category'></a>
					<a href='https://www.creditinfocenter.com/community/forum/165-credit-repair/'>Credit Repair</a>
				</h2>
				
					<ol class="ipsDataList ipsDataList_large ipsDataList_zebra" data-role="forums">
						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="173">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/173-credit-repair/">Credit Repair</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>All your credit repair questions.</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">153.4k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/179343-jfdennis/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/179343-jfdennis/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to jfdennis's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%2362c495%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EJ%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='jfdennis' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/336124-what-to-ask-for-when-settling-with-jdb/" title='What to ask for when settling with JDB?'>What to ask for when settling with JDB?</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/179343-jfdennis/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/179343-jfdennis/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to jfdennis's profile" class="ipsType_break">jfdennis</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/336124-what-to-ask-for-when-settling-with-jdb/' title='Go to last post'><time datetime='2022-09-26T23:55:35Z' title='09/26/2022 11:55  PM' data-short='Sep 26'>September 26</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="174">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/174-collections/">Collections</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>All your questions about those nasty collection agencies and what to do about them.</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">154.7k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/104721-clydesmom/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/104721-clydesmom/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Clydesmom's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%2362bdc4%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EC%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='Clydesmom' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/336226-never-received-summons-wage-garnishment/" title='Never received summons - wage garnishment'>Never received summons - wage garnishment</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/104721-clydesmom/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/104721-clydesmom/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Clydesmom's profile" class="ipsType_break">Clydesmom</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/336226-never-received-summons-wage-garnishment/' title='Go to last post'><time datetime='2022-11-30T16:26:11Z' title='11/30/2022 04:26  PM' data-short='20 hr'>20 hours ago</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="175">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/175-credit-bureausreportsscores/">Credit Bureaus/Reports/Scores</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>Everything you wanted to know about the Big 3 (and all the other little ones, too!)</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">45.2k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/104721-clydesmom/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/104721-clydesmom/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Clydesmom's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%2362bdc4%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EC%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='Clydesmom' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/336156-auto-loan-was-just-closed-in-my-reports-but-the-loan-is-still-open/" title='Auto Loan was just &quot;closed&quot; in my reports but the loan is still open.'>Auto Loan was just &quot;closed&quot; in my reports but the loan is still open.</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/104721-clydesmom/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/104721-clydesmom/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Clydesmom's profile" class="ipsType_break">Clydesmom</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/336156-auto-loan-was-just-closed-in-my-reports-but-the-loan-is-still-open/' title='Go to last post'><time datetime='2022-11-11T16:29:20Z' title='11/11/2022 04:29  PM' data-short='Nov 11'>November 11</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="178">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/178-identity-theft/">Identity Theft</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>This is where you get to talk about the newest of criminal trends. Learn how to protect yourself!</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">1.6k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/175825-shadow99/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/175825-shadow99/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to shadow99's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%2391c462%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3ES%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='shadow99' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/336106-ally-someone-tried-to-open-an-account-in-my-name/" title='Ally - Someone tried to open an account in my name'>Ally - Someone tried to open an account in my name</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/175825-shadow99/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/175825-shadow99/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to shadow99's profile" class="ipsType_break">shadow99</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/336106-ally-someone-tried-to-open-an-account-in-my-name/' title='Go to last post'><time datetime='2022-09-13T00:41:18Z' title='09/13/2022 12:41  AM' data-short='Sep 13'>September 13</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
					</ol>
				
			</li>
			
		
			
			<li data-categoryID='167' class='cForumRow ipsBox ipsSpacer_bottom ipsResponsive_pull'>
				<h2 class="ipsType_sectionTitle ipsType_reset cForumTitle">
					<a href='#' class='ipsPos_right ipsJS_show ipsType_noUnderline cForumToggle' data-action='toggleCategory' data-ipsTooltip title='Toggle this category'></a>
					<a href='https://www.creditinfocenter.com/community/forum/167-legal-issues/'>Legal Issues</a>
				</h2>
				
					<ol class="ipsDataList ipsDataList_large ipsDataList_zebra" data-role="forums">
						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="177">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/177-is-there-a-lawyer-in-the-house/">Is There a Lawyer in the House</a>
				
				
			</h4>
			
				<ul class="ipsDataItem_subList ipsList_inline">
					
						<li class="">
							<a href="https://www.creditinfocenter.com/community/forum/197-post-judgment-forum/">Post Judgment Forum</a>
						</li>
					
						<li class="">
							<a href="https://www.creditinfocenter.com/community/forum/198-state-laws-case-law-sample-forms/">State Laws, Case Law, Sample Forms</a>
						</li>
					
						<li class="">
							<a href="https://www.creditinfocenter.com/community/forum/199-arbitration/">Arbitration</a>
						</li>
					
				</ul>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>Hang out with our expert legal minds - get advice on lawsuits, procedure and credit case law.</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">342.8k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/84763-bv80/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/84763-bv80/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to BV80's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%23c46268%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EB%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='BV80' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/336225-fcra-7-year-reporting-period-need-help-defining/" title='FCRA 7-Year Reporting Period, Need Help Defining'>FCRA 7-Year Reporting Period, Need Help Defining</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/84763-bv80/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/84763-bv80/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to BV80's profile" class="ipsType_break">BV80</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/336225-fcra-7-year-reporting-period-need-help-defining/' title='Go to last post'><time datetime='2022-12-01T03:02:50Z' title='12/01/2022 03:02  AM' data-short='10 hr'>10 hours ago</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="183">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/183-bankruptcy-q-and-a/">Bankruptcy Q and A</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>Have questions about filing a bankruptcy? Wondering what it will do to your credit? Here is the place to start.</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">15.9k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/80067-whocares1000/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/80067-whocares1000/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to WhoCares1000's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%23c4ac62%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EW%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='WhoCares1000' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/333853-do-i-have-to-disclose-discharged-bankruptcy-after-10-years-for-job-mortgage-anything/" title='Do I have to disclose discharged bankruptcy after 10 years?  For job? Mortgage? anything?'>Do I have to disclose discharged bankruptcy after 10 years?  For job? Mortgage? anything?</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/80067-whocares1000/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/80067-whocares1000/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to WhoCares1000's profile" class="ipsType_break">WhoCares1000</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/333853-do-i-have-to-disclose-discharged-bankruptcy-after-10-years-for-job-mortgage-anything/' title='Go to last post'><time datetime='2022-10-26T21:34:14Z' title='10/26/2022 09:34  PM' data-short='Oct 26'>October 26</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
					</ol>
				
			</li>
			
		
			
			<li data-categoryID='168' class='cForumRow ipsBox ipsSpacer_bottom ipsResponsive_pull'>
				<h2 class="ipsType_sectionTitle ipsType_reset cForumTitle">
					<a href='#' class='ipsPos_right ipsJS_show ipsType_noUnderline cForumToggle' data-action='toggleCategory' data-ipsTooltip title='Toggle this category'></a>
					<a href='https://www.creditinfocenter.com/community/forum/168-debt-validation/'>Debt Validation</a>
				</h2>
				
					<ol class="ipsDataList ipsDataList_large ipsDataList_zebra" data-role="forums">
						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="180">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/180-while-you-are-in-it-debt-validation-q-and-a/">While You are In It Debt Validation Q and A</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>This forum is for those of you who have started the debt validation process and need more information.</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">27k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/104721-clydesmom/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/104721-clydesmom/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Clydesmom's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%2362bdc4%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EC%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='Clydesmom' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/336214-dv-letter-for-mortgage-companybank/" title='DV letter for mortgage company/bank'>DV letter for mortgage company/bank</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/104721-clydesmom/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/104721-clydesmom/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Clydesmom's profile" class="ipsType_break">Clydesmom</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/336214-dv-letter-for-mortgage-companybank/' title='Go to last post'><time datetime='2022-11-24T19:33:28Z' title='11/24/2022 07:33  PM' data-short='Nov 24'>November 24</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="181">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/181-debt-settlement/">Debt Settlement</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>Tips and tricks for getting out from under all of that debt.</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">17.5k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/173953-backfromthedebt/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/173953-backfromthedebt/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to BackFromTheDebt's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%23c4629d%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EB%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='BackFromTheDebt' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/336120-i-have-been-served-summons-by-a-collection-agency-for-close-to-2k-considering-options-have-s/" title='I have been &quot;served&quot; (summons) by a collection agency for close to $2k; considering options, have ?s'>I have been &quot;served&quot; (summons) by a collection agency for close to $2k; considering options, have ?s</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/173953-backfromthedebt/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/173953-backfromthedebt/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to BackFromTheDebt's profile" class="ipsType_break">BackFromTheDebt</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/336120-i-have-been-served-summons-by-a-collection-agency-for-close-to-2k-considering-options-have-s/' title='Go to last post'><time datetime='2022-09-21T12:32:39Z' title='09/21/2022 12:32  PM' data-short='Sep 21'>September 21</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
					</ol>
				
			</li>
			
		
			
			<li data-categoryID='170' class='cForumRow ipsBox ipsSpacer_bottom ipsResponsive_pull'>
				<h2 class="ipsType_sectionTitle ipsType_reset cForumTitle">
					<a href='#' class='ipsPos_right ipsJS_show ipsType_noUnderline cForumToggle' data-action='toggleCategory' data-ipsTooltip title='Toggle this category'></a>
					<a href='https://www.creditinfocenter.com/community/forum/170-loans-and-banking/'>Loans and Banking</a>
				</h2>
				
					<ol class="ipsDataList ipsDataList_large ipsDataList_zebra" data-role="forums">
						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="184">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/184-obtaining-credit-cards-auto-loans-and-financing/">Obtaining Credit Cards, Auto Loans and Financing</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>Everything you want to ask about credit cards, auto financing and other types of loans other than mortgages: which programs are best, interest rates, etc.</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">45.6k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/53990-flyingifr/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/53990-flyingifr/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Flyingifr's profile">
		<img src='https://www.creditinfocenter.com/community/uploads/profile/photo-53990.jpg' alt='Flyingifr' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/333324-credit-protection-of-future-spouse/" title='Credit protection of future spouse'>Credit protection of future spouse</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/53990-flyingifr/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/53990-flyingifr/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Flyingifr's profile" class="ipsType_break">Flyingifr</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/333324-credit-protection-of-future-spouse/' title='Go to last post'><time datetime='2022-09-19T11:53:11Z' title='09/19/2022 11:53  AM' data-short='Sep 19'>September 19</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="179">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/179-mortgages/">Mortgages</a>
				
				
			</h4>
			
				<ul class="ipsDataItem_subList ipsList_inline">
					
						<li class="">
							<a href="https://www.creditinfocenter.com/community/forum/196-mortgage-fraud/">Mortgage Fraud</a>
						</li>
					
				</ul>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>By Popular Request</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">18.5k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/179641-micheldoms/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/179641-micheldoms/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to MichelDoms's profile">
		<img src='https://www.creditinfocenter.com/community/uploads/monthly_2022_08/dave-grohl-icon.thumb.png.bc3fdf348a991184e82b37c18329f3ef.png' alt='MichelDoms' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/332073-trying-to-sell-house-ditech-has-lien-but-they-are-in-bankruptcy/" title='Trying to Sell House - DiTech has lien, but they are in bankruptcy'>Trying to Sell House - DiTech has lien, but they are in bankruptcy</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/179641-micheldoms/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/179641-micheldoms/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to MichelDoms's profile" class="ipsType_break">MichelDoms</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/332073-trying-to-sell-house-ditech-has-lien-but-they-are-in-bankruptcy/' title='Go to last post'><time datetime='2022-08-11T11:45:55Z' title='08/11/2022 11:45  AM' data-short='Aug 11'>August 11</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="182">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/182-student-loans/">Student Loans</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>Get the latest news about credit and finance!</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">5.6k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/179510-lawyerdestroyer/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/179510-lawyerdestroyer/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to LawyerDestroyer's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%239ec462%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EL%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='LawyerDestroyer' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/329790-problems-with-navient-and-or-pioneer-credit-recovery/" title='Problems with Navient and or Pioneer Credit Recovery?'>Problems with Navient and or Pioneer Credit Recovery?</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/179510-lawyerdestroyer/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/179510-lawyerdestroyer/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to LawyerDestroyer's profile" class="ipsType_break">LawyerDestroyer</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/329790-problems-with-navient-and-or-pioneer-credit-recovery/' title='Go to last post'><time datetime='2022-04-30T04:09:30Z' title='04/30/2022 04:09  AM' data-short='Apr 30'>April 30</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="191">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/191-banking-and-finance/">Banking and Finance</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>Questions about a specific bank? Personal investment/finance questions? Ask the experts here!</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">4.8k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/179700-eraldert/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/179700-eraldert/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Eraldert's profile">
		<img src='https://www.creditinfocenter.com/community/uploads/monthly_2022_10/7787100.thumb.jpg.58e1e521e3f30f8722e518086fb484dd.jpg' alt='Eraldert' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/332350-how-is-everyone-managing-their-finances-with-covid-19/" title='How is everyone managing their finances with COVID-19?'>How is everyone managing their finances with COVID-19?</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/179700-eraldert/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/179700-eraldert/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Eraldert's profile" class="ipsType_break">Eraldert</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/332350-how-is-everyone-managing-their-finances-with-covid-19/' title='Go to last post'><time datetime='2022-10-03T11:22:59Z' title='10/03/2022 11:22  AM' data-short='Oct 3'>October 3</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
					</ol>
				
			</li>
			
		
			
			<li data-categoryID='171' class='cForumRow ipsBox ipsSpacer_bottom ipsResponsive_pull'>
				<h2 class="ipsType_sectionTitle ipsType_reset cForumTitle">
					<a href='#' class='ipsPos_right ipsJS_show ipsType_noUnderline cForumToggle' data-action='toggleCategory' data-ipsTooltip title='Toggle this category'></a>
					<a href='https://www.creditinfocenter.com/community/forum/171-non-credit/'>Non Credit</a>
				</h2>
				
					<ol class="ipsDataList ipsDataList_large ipsDataList_zebra" data-role="forums">
						
							



	<li class="cForumRow ipsDataItem ipsDataItem_responsivePhoto  ipsClearfix" data-forumID="185">
		<div class="ipsDataItem_icon ipsDataItem_category">
			
			
			
				
					
						<span class='ipsItemStatus ipsItemStatus_large cForumIcon_normal ipsItemStatus_read' 



>
							<i class="fa fa-comments"></i>
						</span>
					
				
			
		</div>
		<div class="ipsDataItem_main">
			<h4 class="ipsDataItem_title ipsType_break">
				
					<a href="https://www.creditinfocenter.com/community/forum/185-off-topic/">Off Topic</a>
				
				
			</h4>
			
			
				



<div class='ipsType_richText ipsDataItem_meta ipsContained' data-controller='core.front.core.lightboxedImages' >

<p>Get to know each other here - all other non-credit questions....</p>

</div>

			
		</div>
		
			<div class="ipsDataItem_stats ipsDataItem_statsLarge">
				
					<dl>
						
						<dt class="ipsDataItem_stats_number">53.8k</dt>
						<dd class="ipsDataItem_stats_type ipsType_light"> posts</dd>
					</dl>
				
				
			</div>
			<ul class="ipsDataItem_lastPoster ipsDataItem_withPhoto">
				
					<li>


	<a href="https://www.creditinfocenter.com/community/profile/179650-jacobjohnson47/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/179650-jacobjohnson47/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to JacobJohnson47's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%2362c488%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EJ%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='JacobJohnson47' loading="lazy">
	</a>
</li>
					<li class='ipsDataItem_lastPoster__title'><a href="https://www.creditinfocenter.com/community/topic/329471-cryptocurrency-experience/" title='Cryptocurrency Experience'>Cryptocurrency Experience</a></li>
					<li class='ipsType_light ipsType_blendLinks'>
						
							By 


<a href='https://www.creditinfocenter.com/community/profile/179650-jacobjohnson47/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/179650-jacobjohnson47/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to JacobJohnson47's profile" class="ipsType_break">JacobJohnson47</a>, 
						
						
							<a href='https://www.creditinfocenter.com/community/topic/329471-cryptocurrency-experience/' title='Go to last post'><time datetime='2022-08-21T14:16:05Z' title='08/21/2022 02:16  PM' data-short='Aug 21'>August 21</time></a>
						
					</li>
				
			</ul>	
		
		
	</li>

						
					</ol>
				
			</li>
			
		
		
	</ol>
</section>
						


	<div class='cWidgetContainer '  data-role='widgetReceiver' data-orientation='horizontal' data-widgetArea='footer'>
		<ul class='ipsList_reset'>
			
				
					
					<li class='ipsWidget ipsWidget_horizontal ipsBox  ' data-blockID='app_core_whosOnline_czjifvxf7' data-blockConfig="true" data-blockTitle="Who's Online" data-blockErrorMessage="This block cannot be shown. This could be because it needs configuring, is unable to show on this page, or will show after reloading this page."  data-controller='core.front.widgets.block'>
<div data-controller='core.front.core.onlineUsersWidget'>
    <h3 class='ipsType_reset ipsWidget_title'>
        Who's Online
        
            &nbsp;&nbsp;<span class='ipsType_light ipsType_unbold ipsType_medium'><span data-memberCount="0">0 Members</span>, 0 Anonymous, 23 Guests</span>
        
        <span class='ipsType_medium ipsType_light ipsType_unbold ipsType_blendLinks'><a href='https://www.creditinfocenter.com/community/online/'>(See full list)</a></span>
    </h3>
    <div class='ipsWidget_inner ipsPadding'>
        <ul class='ipsList_inline ipsList_csv ipsList_noSpacing ipsType_normal'>
            
                <li class='ipsType_reset ipsType_medium ipsType_light' data-noneOnline>There are no registered users currently online</li>
            
        </ul>
        
    </div>
</div></li>
				
					
					<li class='ipsWidget ipsWidget_horizontal ipsBox  ' data-blockID='app_forums_forumStatistics_s1yt39z8g' data-blockConfig="true" data-blockTitle="Forum Statistics" data-blockErrorMessage="This block cannot be shown. This could be because it needs configuring, is unable to show on this page, or will show after reloading this page."  data-controller='core.front.widgets.block'>
<h3 class='ipsType_reset ipsWidget_title'>Forum Statistics</h3>
<div class='ipsWidget_inner'>
	
		<div class='ipsGrid ipsGrid_collapsePhone ipsWidget_stats'>
			<div class='ipsGrid_span6 ipsType_center'>
				<span class='ipsType_large ipsWidget_statsCount'>105.9k</span><br>
				<span class='ipsType_light ipsType_medium'>Total Topics</span>
			</div>
			<div class='ipsGrid_span6 ipsType_center'>
				<span class='ipsType_large ipsWidget_statsCount'>893.9k</span><br>
				<span class='ipsType_light ipsType_medium'>Total Posts</span>
			</div>
		</div>
	
</div></li>
				
			
		</ul>
	</div>

					</div>
					


	<div id='ipsLayout_sidebar' class='ipsLayout_sidebarright ' data-controller='core.front.widgets.sidebar'>
		
		
		
		


	<div class='cWidgetContainer '  data-role='widgetReceiver' data-orientation='vertical' data-widgetArea='sidebar'>
		<ul class='ipsList_reset'>
			
				
					
					<li class='ipsWidget ipsWidget_vertical ipsBox  ' data-blockID='app_forums_topicFeed_0abply1pj' data-blockConfig="true" data-blockTitle="Topic Feed" data-blockErrorMessage="This block cannot be shown. This could be because it needs configuring, is unable to show on this page, or will show after reloading this page."  data-controller='core.front.widgets.block'>

	<h3 class='ipsWidget_title ipsType_reset'>Topics</h3>

	
		<div class='ipsPad_half ipsWidget_inner'>
			<ul class='ipsDataList ipsDataList_reducedSpacing'>
				
					<li class='ipsDataItem '>
						<div class='ipsDataItem_icon ipsPos_top'>
							


	<a href="https://www.creditinfocenter.com/community/profile/173239-laneblane/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/173239-laneblane/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to LaneBlane's profile">
		<img src='https://www.creditinfocenter.com/community/uploads/monthly_2017_10/frenchbulldog.thumb.jpg.0daf8aff9d76a1d6d78cc43fc7746ed8.jpg' alt='LaneBlane' loading="lazy">
	</a>

						</div>
						<div class='ipsDataItem_main cWidgetComments'>
							<div class="ipsCommentCount ipsPos_right " data-ipsTooltip title='6 replies'>6</div>
							
							<div class='ipsType_break ipsContained'>
															
								<a href="https://www.creditinfocenter.com/community/topic/336225-fcra-7-year-reporting-period-need-help-defining/" title='View the topic FCRA 7-Year Reporting Period, Need Help Defining' class='ipsDataItem_title'>FCRA 7-Year Reporting Period, Need Help Defining</a>
							</div>
							<p class='ipsType_reset ipsType_medium ipsType_blendLinks ipsContained'>
								<span>By 


<a href='https://www.creditinfocenter.com/community/profile/173239-laneblane/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/173239-laneblane/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to LaneBlane's profile" class="ipsType_break">LaneBlane</a></span><br>
								<span class='ipsType_light'>Started <time datetime='2022-11-29T18:43:05Z' title='11/29/2022 06:43  PM' data-short='1 dy'>Tuesday at 06:43  PM</time></span>
							</p>
						</div>
					</li>
				
					<li class='ipsDataItem '>
						<div class='ipsDataItem_icon ipsPos_top'>
							


	<a href="https://www.creditinfocenter.com/community/profile/179742-jbslounge/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/179742-jbslounge/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to jbslounge's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%23aac462%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EJ%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='jbslounge' loading="lazy">
	</a>

						</div>
						<div class='ipsDataItem_main cWidgetComments'>
							<div class="ipsCommentCount ipsPos_right " data-ipsTooltip title='12 replies'>12</div>
							
							<div class='ipsType_break ipsContained'>
															
								<a href="https://www.creditinfocenter.com/community/topic/336212-screwed-up-arbitration-w-jdb/" title='View the topic Screwed up Arbitration w/ JDB' class='ipsDataItem_title'>Screwed up Arbitration w/ JDB</a>
							</div>
							<p class='ipsType_reset ipsType_medium ipsType_blendLinks ipsContained'>
								<span>By 


<a href='https://www.creditinfocenter.com/community/profile/179742-jbslounge/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/179742-jbslounge/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to jbslounge's profile" class="ipsType_break">jbslounge</a></span><br>
								<span class='ipsType_light'>Started <time datetime='2022-11-22T21:58:59Z' title='11/22/2022 09:58  PM' data-short='Nov 22'>November 22</time></span>
							</p>
						</div>
					</li>
				
					<li class='ipsDataItem '>
						<div class='ipsDataItem_icon ipsPos_top'>
							


	<a href="https://www.creditinfocenter.com/community/profile/179768-winston2022/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/179768-winston2022/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Winston2022's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%23c47c62%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EW%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='Winston2022' loading="lazy">
	</a>

						</div>
						<div class='ipsDataItem_main cWidgetComments'>
							<div class="ipsCommentCount ipsPos_right " data-ipsTooltip title='2 replies'>2</div>
							
							<div class='ipsType_break ipsContained'>
															
								<a href="https://www.creditinfocenter.com/community/topic/336228-sued-by-midland-credit-in-texas/" title='View the topic Sued by Midland Credit in Texas' class='ipsDataItem_title'>Sued by Midland Credit in Texas</a>
							</div>
							<p class='ipsType_reset ipsType_medium ipsType_blendLinks ipsContained'>
								<span>By 


<a href='https://www.creditinfocenter.com/community/profile/179768-winston2022/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/179768-winston2022/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Winston2022's profile" class="ipsType_break">Winston2022</a></span><br>
								<span class='ipsType_light'>Started <time datetime='2022-11-30T23:27:42Z' title='11/30/2022 11:27  PM' data-short='13 hr'>13 hours ago</time></span>
							</p>
						</div>
					</li>
				
					<li class='ipsDataItem '>
						<div class='ipsDataItem_icon ipsPos_top'>
							


	<a href="https://www.creditinfocenter.com/community/profile/177414-haal/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/177414-haal/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to haal's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%2362c485%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EH%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='haal' loading="lazy">
	</a>

						</div>
						<div class='ipsDataItem_main cWidgetComments'>
							<div class="ipsCommentCount ipsPos_right " data-ipsTooltip title='3 replies'>3</div>
							
							<div class='ipsType_break ipsContained'>
															
								<a href="https://www.creditinfocenter.com/community/topic/336227-arbitration-and-affirmative-defenses-ohio/" title='View the topic Arbitration and Affirmative Defenses (ohio)' class='ipsDataItem_title'>Arbitration and Affirmative Defenses (ohio)</a>
							</div>
							<p class='ipsType_reset ipsType_medium ipsType_blendLinks ipsContained'>
								<span>By 


<a href='https://www.creditinfocenter.com/community/profile/177414-haal/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/177414-haal/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to haal's profile" class="ipsType_break">haal</a></span><br>
								<span class='ipsType_light'>Started <time datetime='2022-11-30T15:53:16Z' title='11/30/2022 03:53  PM' data-short='21 hr'>21 hours ago</time></span>
							</p>
						</div>
					</li>
				
					<li class='ipsDataItem '>
						<div class='ipsDataItem_icon ipsPos_top'>
							


	<a href="https://www.creditinfocenter.com/community/profile/179767-timey/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/179767-timey/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to timey's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%23c462b0%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3ET%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='timey' loading="lazy">
	</a>

						</div>
						<div class='ipsDataItem_main cWidgetComments'>
							<div class="ipsCommentCount ipsPos_right " data-ipsTooltip title='1 reply'>1</div>
							
							<div class='ipsType_break ipsContained'>
															
								<a href="https://www.creditinfocenter.com/community/topic/336226-never-received-summons-wage-garnishment/" title='View the topic Never received summons - wage garnishment' class='ipsDataItem_title'>Never received summons - wage garnishment</a>
							</div>
							<p class='ipsType_reset ipsType_medium ipsType_blendLinks ipsContained'>
								<span>By 


<a href='https://www.creditinfocenter.com/community/profile/179767-timey/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/179767-timey/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to timey's profile" class="ipsType_break">timey</a></span><br>
								<span class='ipsType_light'>Started <time datetime='2022-11-30T07:34:55Z' title='11/30/2022 07:34  AM' data-short='1 dy'>Yesterday at 07:34  AM</time></span>
							</p>
						</div>
					</li>
				
			</ul>
		</div>
	
</li>
				
					
					<li class='ipsWidget ipsWidget_vertical ipsBox  ' data-blockID='app_forums_postFeed_imrbewmu0' data-blockConfig="true" data-blockTitle="Post Feed" data-blockErrorMessage="This block cannot be shown. This could be because it needs configuring, is unable to show on this page, or will show after reloading this page."  data-controller='core.front.widgets.block'>

	<h3 class='ipsType_reset ipsWidget_title'>Posts</h3>
	
		<div class='ipsWidget_inner ipsPad_half'>
			<ul class='ipsDataList ipsDataList_reducedSpacing'>
				
					<li class='ipsDataItem'>
						<div class='ipsDataItem_icon ipsPos_top'>
							


	<a href="https://www.creditinfocenter.com/community/profile/84763-bv80/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/84763-bv80/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to BV80's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%23c46268%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EB%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='BV80' loading="lazy">
	</a>

						</div>
						<div class='ipsDataItem_main'>
							<div class='ipsType_break ipsContained'><a href="https://www.creditinfocenter.com/community/topic/336225-fcra-7-year-reporting-period-need-help-defining/?do=findComment&amp;comment=1408388" title='View the topic FCRA 7-Year Reporting Period, Need Help Defining' class='ipsType_medium ipsTruncate ipsTruncate_line'> FCRA 7-Year Reporting Period, Need Help Defining</a></div>
							<p class='ipsType_reset ipsType_light ipsType_medium ipsType_blendLinks'>By 


<a href='https://www.creditinfocenter.com/community/profile/84763-bv80/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/84763-bv80/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to BV80's profile" class="ipsType_break">BV80</a> &middot; <a href='https://www.creditinfocenter.com/community/topic/336225-fcra-7-year-reporting-period-need-help-defining/?do=findComment&amp;comment=1408388' class='ipsType_blendLinks'>Posted <time datetime='2022-12-01T03:02:50Z' title='12/01/2022 03:02  AM' data-short='10 hr'>10 hours ago</time></a></p>
							<div class='ipsType_medium ipsType_textBlock ipsType_richText ipsType_break ipsContained ipsSpacer_top ipsSpacer_half' data-ipsTruncate data-ipsTruncate-type='remove' data-ipsTruncate-size='6 lines' data-ipsTruncate-watch='false'>
								It should not have been reporting for more than 7.5 years after the date of first delinquency.  A payment plan does not change the date of delinquency that led to the charge off.  
 

							</div>
						</div>
					</li>
				
					<li class='ipsDataItem'>
						<div class='ipsDataItem_icon ipsPos_top'>
							


	<a href="https://www.creditinfocenter.com/community/profile/178377-bulldoger/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Bulldoger's profile">
		<img src='https://www.creditinfocenter.com/community/uploads/monthly_2021_09/xenasmall.thumb.jpg.6a1a913bbcf3d1fb7de06df446870396.jpg' alt='Bulldoger' loading="lazy">
	</a>

						</div>
						<div class='ipsDataItem_main'>
							<div class='ipsType_break ipsContained'><a href="https://www.creditinfocenter.com/community/topic/336212-screwed-up-arbitration-w-jdb/?do=findComment&amp;comment=1408387" title='View the topic Screwed up Arbitration w/ JDB' class='ipsType_medium ipsTruncate ipsTruncate_line'> Screwed up Arbitration w/ JDB</a></div>
							<p class='ipsType_reset ipsType_light ipsType_medium ipsType_blendLinks'>By 


<a href='https://www.creditinfocenter.com/community/profile/178377-bulldoger/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Bulldoger's profile" class="ipsType_break">Bulldoger</a> &middot; <a href='https://www.creditinfocenter.com/community/topic/336212-screwed-up-arbitration-w-jdb/?do=findComment&amp;comment=1408387' class='ipsType_blendLinks'>Posted <time datetime='2022-12-01T00:40:32Z' title='12/01/2022 12:40  AM' data-short='12 hr'>12 hours ago</time></a></p>
							<div class='ipsType_medium ipsType_textBlock ipsType_richText ipsType_break ipsContained ipsSpacer_top ipsSpacer_half' data-ipsTruncate data-ipsTruncate-type='remove' data-ipsTruncate-size='6 lines' data-ipsTruncate-watch='false'>
								So they plan to spend dollars to collect pennies makes no sense you would think they learn by now.  Check contract what state law applies and check that state's laws.  Also check Oregon law about if they get an award they have  to take it to court to have it turn to a judgement you can argue those fees are not allowed in Oregon and possibly get a smaller judgement. 
 

							</div>
						</div>
					</li>
				
					<li class='ipsDataItem'>
						<div class='ipsDataItem_icon ipsPos_top'>
							


	<a href="https://www.creditinfocenter.com/community/profile/178377-bulldoger/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Bulldoger's profile">
		<img src='https://www.creditinfocenter.com/community/uploads/monthly_2021_09/xenasmall.thumb.jpg.6a1a913bbcf3d1fb7de06df446870396.jpg' alt='Bulldoger' loading="lazy">
	</a>

						</div>
						<div class='ipsDataItem_main'>
							<div class='ipsType_break ipsContained'><a href="https://www.creditinfocenter.com/community/topic/336225-fcra-7-year-reporting-period-need-help-defining/?do=findComment&amp;comment=1408386" title='View the topic FCRA 7-Year Reporting Period, Need Help Defining' class='ipsType_medium ipsTruncate ipsTruncate_line'> FCRA 7-Year Reporting Period, Need Help Defining</a></div>
							<p class='ipsType_reset ipsType_light ipsType_medium ipsType_blendLinks'>By 


<a href='https://www.creditinfocenter.com/community/profile/178377-bulldoger/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Bulldoger's profile" class="ipsType_break">Bulldoger</a> &middot; <a href='https://www.creditinfocenter.com/community/topic/336225-fcra-7-year-reporting-period-need-help-defining/?do=findComment&amp;comment=1408386' class='ipsType_blendLinks'>Posted <time datetime='2022-12-01T00:31:03Z' title='12/01/2022 12:31  AM' data-short='12 hr'>12 hours ago</time></a></p>
							<div class='ipsType_medium ipsType_textBlock ipsType_richText ipsType_break ipsContained ipsSpacer_top ipsSpacer_half' data-ipsTruncate data-ipsTruncate-type='remove' data-ipsTruncate-size='6 lines' data-ipsTruncate-watch='false'>
								In the case of my wife for the years she made the small payments on a payment plan after charge off it was considered to be in current status the CR were reporting current paid on time even though account was closed.  
 

							</div>
						</div>
					</li>
				
					<li class='ipsDataItem'>
						<div class='ipsDataItem_icon ipsPos_top'>
							


	<a href="https://www.creditinfocenter.com/community/profile/178377-bulldoger/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Bulldoger's profile">
		<img src='https://www.creditinfocenter.com/community/uploads/monthly_2021_09/xenasmall.thumb.jpg.6a1a913bbcf3d1fb7de06df446870396.jpg' alt='Bulldoger' loading="lazy">
	</a>

						</div>
						<div class='ipsDataItem_main'>
							<div class='ipsType_break ipsContained'><a href="https://www.creditinfocenter.com/community/topic/336228-sued-by-midland-credit-in-texas/?do=findComment&amp;comment=1408385" title='View the topic Sued by Midland Credit in Texas' class='ipsType_medium ipsTruncate ipsTruncate_line'> Sued by Midland Credit in Texas</a></div>
							<p class='ipsType_reset ipsType_light ipsType_medium ipsType_blendLinks'>By 


<a href='https://www.creditinfocenter.com/community/profile/178377-bulldoger/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Bulldoger's profile" class="ipsType_break">Bulldoger</a> &middot; <a href='https://www.creditinfocenter.com/community/topic/336228-sued-by-midland-credit-in-texas/?do=findComment&amp;comment=1408385' class='ipsType_blendLinks'>Posted <time datetime='2022-12-01T00:22:31Z' title='12/01/2022 12:22  AM' data-short='12 hr'>12 hours ago</time></a></p>
							<div class='ipsType_medium ipsType_textBlock ipsType_richText ipsType_break ipsContained ipsSpacer_top ipsSpacer_half' data-ipsTruncate data-ipsTruncate-type='remove' data-ipsTruncate-size='6 lines' data-ipsTruncate-watch='false'>
								If payment online works file answer stating debt is paid.  File motion to dismissed account paid/settled with printout of receipt.  
 

							</div>
						</div>
					</li>
				
					<li class='ipsDataItem'>
						<div class='ipsDataItem_icon ipsPos_top'>
							


	<a href="https://www.creditinfocenter.com/community/profile/178377-bulldoger/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Bulldoger's profile">
		<img src='https://www.creditinfocenter.com/community/uploads/monthly_2021_09/xenasmall.thumb.jpg.6a1a913bbcf3d1fb7de06df446870396.jpg' alt='Bulldoger' loading="lazy">
	</a>

						</div>
						<div class='ipsDataItem_main'>
							<div class='ipsType_break ipsContained'><a href="https://www.creditinfocenter.com/community/topic/336228-sued-by-midland-credit-in-texas/?do=findComment&amp;comment=1408384" title='View the topic Sued by Midland Credit in Texas' class='ipsType_medium ipsTruncate ipsTruncate_line'> Sued by Midland Credit in Texas</a></div>
							<p class='ipsType_reset ipsType_light ipsType_medium ipsType_blendLinks'>By 


<a href='https://www.creditinfocenter.com/community/profile/178377-bulldoger/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Bulldoger's profile" class="ipsType_break">Bulldoger</a> &middot; <a href='https://www.creditinfocenter.com/community/topic/336228-sued-by-midland-credit-in-texas/?do=findComment&amp;comment=1408384' class='ipsType_blendLinks'>Posted <time datetime='2022-12-01T00:12:07Z' title='12/01/2022 12:12  AM' data-short='12 hr'>12 hours ago</time></a></p>
							<div class='ipsType_medium ipsType_textBlock ipsType_richText ipsType_break ipsContained ipsSpacer_top ipsSpacer_half' data-ipsTruncate data-ipsTruncate-type='remove' data-ipsTruncate-size='6 lines' data-ipsTruncate-watch='false'>
								Have you tried their website. If account is still listed you can pay online.  https://www.midlandcredit.com/ 
 


	 
 

							</div>
						</div>
					</li>
				
			</ul>
		</div>
	

</li>
				
					
					<li class='ipsWidget ipsWidget_vertical ipsBox  ipsWidgetHide ipsHide ' data-blockID='app_forums_hotTopics_3qzhz4rcu' data-blockConfig="true" data-blockTitle="Popular Now" data-blockErrorMessage="This block cannot be shown. This could be because it needs configuring, is unable to show on this page, or will show after reloading this page."  data-controller='core.front.widgets.block'></li>
				
					
					<li class='ipsWidget ipsWidget_vertical ipsBox  ' data-blockID='app_core_topContributors_hqr2w2k9u' data-blockConfig="true" data-blockTitle="Popular Contributors" data-blockErrorMessage="This block cannot be shown. This could be because it needs configuring, is unable to show on this page, or will show after reloading this page."  data-controller='core.front.widgets.block'>
<h3 class='ipsType_reset ipsWidget_title'>Popular Contributors</h3>
<div class='ipsTabs ipsTabs_small ipsTabs_stretch ipsClearfix' id='elTopContributors' data-ipsTabBar data-ipsTabBar-updateURL='false' data-ipsTabBar-contentArea='#elTopContributors_content'>
	<a href='#elTopContributors' data-action='expandTabs'><i class='fa fa-caret-down'></i></a>
	<ul role="tablist" class='ipsList_reset'>
		<li>
			<a href='#ipsTabs_elTopContributors_el_topContributorsWeek_panel' id='el_topContributorsWeek' class='ipsTabs_item ipsTabs_activeItem' role="tab" aria-selected='true'>Week</a>
		</li>
		<li>
			<a href='https://www.creditinfocenter.com/community/index.php?app=core&amp;module=system&amp;controller=ajax&amp;do=topContributors&amp;time=month&amp;limit=5&amp;orientation=vertical' id='el_topContributorsMonth' class='ipsTabs_item' role="tab" aria-selected='false'>Month</a>
		</li>		
		<li>
			<a href='https://www.creditinfocenter.com/community/index.php?app=core&amp;module=system&amp;controller=ajax&amp;do=topContributors&amp;time=year&amp;limit=5&amp;orientation=vertical' id='el_topContributorsYear' class='ipsTabs_item' role="tab" aria-selected='false'>Year</a>
		</li>
		<li>
			<a href='https://www.creditinfocenter.com/community/index.php?app=core&amp;module=system&amp;controller=ajax&amp;do=topContributors&amp;time=all&amp;limit=5&amp;orientation=vertical' id='el_topContributorsAll' class='ipsTabs_item' role="tab" aria-selected='false'>All Time</a>
		</li>
	</ul>
</div>

<section id='elTopContributors_content' class='ipsWidget_inner ipsPad_half'>
	<div id="ipsTabs_elTopContributors_el_topContributorsWeek_panel" class='ipsTabs_panel'>
		

	
		<ol class='ipsDataList ipsDataList_reducedSpacing cTopContributors'>
			
			
				
				<li class='ipsDataItem'>
					<div class='ipsDataItem_icon ipsPos_middle ipsType_center ipsType_large ipsType_light'><strong>1</strong></div>
					<div class='ipsDataItem_main ipsPhotoPanel ipsPhotoPanel_tiny'>
						


	<a href="https://www.creditinfocenter.com/community/profile/104721-clydesmom/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/104721-clydesmom/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Clydesmom's profile">
		<img src='data:image/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%201024%201024%22%20style%3D%22background%3A%2362bdc4%22%3E%3Cg%3E%3Ctext%20text-anchor%3D%22middle%22%20dy%3D%22.35em%22%20x%3D%22512%22%20y%3D%22512%22%20fill%3D%22%23ffffff%22%20font-size%3D%22700%22%20font-family%3D%22-apple-system%2C%20BlinkMacSystemFont%2C%20Roboto%2C%20Helvetica%2C%20Arial%2C%20sans-serif%22%3EC%3C%2Ftext%3E%3C%2Fg%3E%3C%2Fsvg%3E' alt='Clydesmom' loading="lazy">
	</a>

						<div>
							


<a href='https://www.creditinfocenter.com/community/profile/104721-clydesmom/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/104721-clydesmom/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Clydesmom's profile" class="ipsType_break">Clydesmom</a>
							<br>
							
								<span title="Member's reputation this period" data-ipsTooltip class='ipsRepBadge ipsRepBadge_positive'><i class='fa fa-plus-circle'></i> 2</span>
							
						</div>
					</div>
				</li>
			
				
				<li class='ipsDataItem'>
					<div class='ipsDataItem_icon ipsPos_middle ipsType_center ipsType_large ipsType_light'><strong>2</strong></div>
					<div class='ipsDataItem_main ipsPhotoPanel ipsPhotoPanel_tiny'>
						


	<a href="https://www.creditinfocenter.com/community/profile/178377-bulldoger/" rel="nofollow" data-ipsHover data-ipsHover-width="370" data-ipsHover-target="https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard" class="ipsUserPhoto ipsUserPhoto_tiny" title="Go to Bulldoger's profile">
		<img src='https://www.creditinfocenter.com/community/uploads/monthly_2021_09/xenasmall.thumb.jpg.6a1a913bbcf3d1fb7de06df446870396.jpg' alt='Bulldoger' loading="lazy">
	</a>

						<div>
							


<a href='https://www.creditinfocenter.com/community/profile/178377-bulldoger/' rel="nofollow" data-ipsHover data-ipsHover-width='370' data-ipsHover-target='https://www.creditinfocenter.com/community/profile/178377-bulldoger/?do=hovercard&amp;referrer=https%253A%252F%252Fwww.creditinfocenter.com%252Fcommunity%252F' title="Go to Bulldoger's profile" class="ipsType_break">Bulldoger</a>
							<br>
							
								<span title="Member's reputation this period" data-ipsTooltip class='ipsRepBadge ipsRepBadge_positive'><i class='fa fa-plus-circle'></i> 1</span>
							
						</div>
					</div>
				</li>
			
		</ol>
		
			<div class="ipsMargin_top:half">
				
				<a href="https://www.creditinfocenter.com/community/leaderboard/?time=week" class='ipsButton ipsButton_small ipsButton_light ipsButton_fullWidth'>Show More</a>
			</div>
		
	

	</div>
</section></li>
				
			
		</ul>
	</div>

	</div>

					
<nav class='ipsBreadcrumb ipsBreadcrumb_bottom ipsFaded_withHover'>
	
		


	

	<ul class='ipsList_inline ipsPos_right'>
		
		<li >
			<a data-action="defaultStream" class='ipsType_light '  href='https://www.creditinfocenter.com/community/discover/'><i class="fa fa-newspaper-o" aria-hidden="true"></i> <span>All Activity</span></a>
		</li>
		
	</ul>

	<ul data-role="breadcrumbList">
		<li>
			<a title="Home" href='https://www.creditinfocenter.com/community/'>
				<span>Home</span>
			</a>
		</li>
		
		
	</ul>
</nav>
				</div>
			</div>
			
		</main>
		
			<footer id='ipsLayout_footer' class='ipsClearfix'>
				<div class='ipsLayout_container'>
					
					

<ul id='elFooterSocialLinks' class='ipsList_inline ipsType_center ipsSpacer_top'>
	

	
		<li class='cUserNav_icon'>
			<a href='https://facebook.com/creditinfocenter' target='_blank' class='cShareLink cShareLink_facebook' rel='noopener noreferrer'><i class='fa fa-facebook'></i></a>
		</li>
	
		<li class='cUserNav_icon'>
			<a href='https://www.pinterest.com/creditinfocentr/' target='_blank' class='cShareLink cShareLink_pinterest' rel='noopener noreferrer'><i class='fa fa-pinterest'></i></a>
		</li>
	
		<li class='cUserNav_icon'>
			<a href='https://twitter.com/creditinfocentr' target='_blank' class='cShareLink cShareLink_twitter' rel='noopener noreferrer'><i class='fa fa-twitter'></i></a>
		</li>
	
		<li class='cUserNav_icon'>
			<a href='https://www.linkedin.com/company/credit-info-center/' target='_blank' class='cShareLink cShareLink_linkedin' rel='noopener noreferrer'><i class='fa fa-linkedin'></i></a>
		</li>
	

</ul>


<ul class='ipsList_inline ipsType_center ipsSpacer_top' id="elFooterLinks">
	
	
	
	
	
		<li><a href='https://www.creditinfocenter.com/community/privacy/'>Privacy Policy</a></li>
	
	
		<li><a rel="nofollow" href='https://www.creditinfocenter.com/community/contact/' data-ipsdialog data-ipsDialog-remoteSubmit data-ipsDialog-flashMessage='Thanks, your message has been sent to the administrators.' data-ipsdialog-title="Contact Us">Contact Us</a></li>
	
</ul>	


<p id='elCopyright'>
	<span id='elCopyright_userLine'>Copyright 2022 (c) Cordus Partners, LLC</span>
	<a rel='nofollow' title='Invision Community' href='https://www.invisioncommunity.com/'>Powered by Invision Community</a>
</p>
				</div>
			</footer>
			
<div id='elMobileDrawer' class='ipsDrawer ipsHide'>
	<div class='ipsDrawer_menu'>
		<a href='#' class='ipsDrawer_close' data-action='close'><span>&times;</span></a>
		<div class='ipsDrawer_content ipsFlex ipsFlex-fd:column'>
			
				<div class='ipsPadding ipsBorder_bottom'>
					<ul class='ipsToolList ipsToolList_vertical'>
						<li>
							<a href='https://www.creditinfocenter.com/community/login/' id='elSigninButton_mobile' class='ipsButton ipsButton_light ipsButton_small ipsButton_fullWidth'>Existing user? Sign In</a>
						</li>
						
							<li>
								
									<a href='https://www.creditinfocenter.com/community/register/' data-ipsDialog data-ipsDialog-size='narrow' data-ipsDialog-title='Sign Up' data-ipsDialog-fixed='true' id='elRegisterButton_mobile' class='ipsButton ipsButton_small ipsButton_fullWidth ipsButton_important'>Sign Up</a>
								
							</li>
						
					</ul>
				</div>
			

			

			<ul class='ipsDrawer_list ipsFlex-flex:11'>
				

				
				
				
				
					
						
						
							<li><a href='https://www.creditinfocenter.com/' target='_blank' rel="noopener">CIC Home</a></li>
						
					
				
					
						
						
							<li class='ipsDrawer_itemParent'>
								<h4 class='ipsDrawer_title'><a href='#'>Forums</a></h4>
								<ul class='ipsDrawer_list'>
									<li data-action="back"><a href='#'>Back</a></li>
									
									
										
										
										
											
												
											
										
									
													
									
									
									
										


	
		
			<li>
				<a href='https://www.creditinfocenter.com/community/search/' >
					Search
				</a>
			</li>
		
	

										
								</ul>
							</li>
						
					
				
					
						
						
							<li class='ipsDrawer_itemParent'>
								<h4 class='ipsDrawer_title'><a href='#'>Activity</a></h4>
								<ul class='ipsDrawer_list'>
									<li data-action="back"><a href='#'>Back</a></li>
									
									
										
										
										
											
												
											
										
											
												
													
													
									
													
									
									
									
										


	
		
			<li>
				<a href='https://www.creditinfocenter.com/community/discover/unread/' >
					Unread Content
				</a>
			</li>
		
	

	
		
			<li>
				<a href='https://www.creditinfocenter.com/community/discover/' >
					All Activity
				</a>
			</li>
		
	

	
		
			<li>
				<a href='' >
					My Activity Streams
				</a>
			</li>
		
	

	
		
			<li>
				<a href='https://www.creditinfocenter.com/community/discover/content-started/' >
					Content I Started
				</a>
			</li>
		
	

										
								</ul>
							</li>
						
					
				
					
						
						
							<li><a href='https://www.creditinfocenter.com/community/leaderboard/' >Leaderboard</a></li>
						
					
				
					
				
					
				
					
						
						
							<li><a href='https://www.creditinfocenter.com/community/staff/' >Staff</a></li>
						
					
				
					
						
						
							<li><a href='https://www.creditinfocenter.com/community/online/' >Online Users</a></li>
						
					
				
					
						
						
							<li><a href='https://www.creditinfocenter.com/community/guidelines/' >Guidelines</a></li>
						
					
				
				
			</ul>

			
		</div>
	</div>
</div>

<div id='elMobileCreateMenuDrawer' class='ipsDrawer ipsHide'>
	<div class='ipsDrawer_menu'>
		<a href='#' class='ipsDrawer_close' data-action='close'><span>&times;</span></a>
		<div class='ipsDrawer_content ipsSpacer_bottom ipsPad'>
			<ul class='ipsDrawer_list'>
				<li class="ipsDrawer_listTitle ipsType_reset">Create New...</li>
				
			</ul>
		</div>
	</div>
</div>
			







	




	





<div id='elGuestTerms' class='ipsPad_half ipsJS_hide' data-role='guestTermsBar' data-controller='core.front.core.guestTerms'>
	<div class='ipsLayout_container'>
		<div class='ipsGrid ipsGrid_collapsePhone'>
			<div class='ipsGrid_span10'>
				<h2 class='ipsType_sectionHead'>Important Information</h2>
				<p class='ipsType_reset ipsType_medium cGuestTerms_contents'>We have placed <a href='https://www.creditinfocenter.com/community/cookies/'>cookies</a> on your device to help make this website better. You can <a href='https://www.creditinfocenter.com/community/cookies/'>adjust your cookie settings</a>, otherwise we'll assume you're okay to continue.. For more information, please see our <a href='https://www.creditinfocenter.com/community/privacy/'>Privacy Policy</a> and <a href='https://www.creditinfocenter.com/community/terms/'>Terms of Use</a>.</p>
			</div>
			<div class='ipsGrid_span2'>
				<a href='https://www.creditinfocenter.com/community/index.php?app=core&amp;module=system&amp;controller=terms&amp;do=dismiss&amp;ref=aHR0cHM6Ly93d3cuY3JlZGl0aW5mb2NlbnRlci5jb20vY29tbXVuaXR5Lw==&amp;csrfKey=c78d1bd73f465344f65bfbf5afdc858e' rel='nofollow' class='ipsButton ipsButton_veryLight ipsButton_large ipsButton_fullWidth' data-action='dismissTerms'><i class='fa fa-check'></i>&nbsp; I accept</a>
			</div>
		</div>
	</div>
</div>
			

	
	<script type='text/javascript'>
		var ipsDebug = false;		
	
		var CKEDITOR_BASEPATH = '//www.creditinfocenter.com/community/applications/core/interface/ckeditor/ckeditor/';
	
		var ipsSettings = {
			
			
			cookie_path: "/community/",
			
			cookie_prefix: "ips4_",
			
			
			cookie_ssl: true,
			
			upload_imgURL: "",
			message_imgURL: "",
			notification_imgURL: "",
			baseURL: "//www.creditinfocenter.com/community/",
			jsURL: "//www.creditinfocenter.com/community/applications/core/interface/js/js.php",
			csrfKey: "c78d1bd73f465344f65bfbf5afdc858e",
			antiCache: "bccdc2a64f1650816944",
			jsAntiCache: "bccdc2a64f1666371009",
			disableNotificationSounds: true,
			useCompiledFiles: true,
			links_external: true,
			memberID: 0,
			lazyLoadEnabled: false,
			blankImg: "//www.creditinfocenter.com/community/applications/core/interface/js/spacer.png",
			googleAnalyticsEnabled: false,
			matomoEnabled: false,
			viewProfiles: true,
			mapProvider: 'none',
			mapApiKey: '',
			pushPublicKey: "BP7npgHiijgeyelwZvj1cuDjOoNnBOSzZtOSeHdJej5i87rqMGqfLesI0ZjhSNR7pNWBE96m9RWDeK6NLTwBaKA",
			relativeDates: true
		};
		
		
		
		
			ipsSettings['maxImageDimensions'] = {
				width: 1000,
				height: 750
			};
		
		
	</script>





<script type='text/javascript' src='https://www.creditinfocenter.com/community/uploads/javascript_global/root_library.js?v=bccdc2a64f1666371009' data-ips></script>


<script type='text/javascript' src='https://www.creditinfocenter.com/community/uploads/javascript_global/root_js_lang_1.js?v=bccdc2a64f1666371009' data-ips></script>


<script type='text/javascript' src='https://www.creditinfocenter.com/community/uploads/javascript_global/root_framework.js?v=bccdc2a64f1666371009' data-ips></script>


<script type='text/javascript' src='https://www.creditinfocenter.com/community/uploads/javascript_core/global_global_core.js?v=bccdc2a64f1666371009' data-ips></script>


<script type='text/javascript' src='https://www.creditinfocenter.com/community/uploads/javascript_global/root_front.js?v=bccdc2a64f1666371009' data-ips></script>


<script type='text/javascript' src='https://www.creditinfocenter.com/community/uploads/javascript_core/front_front_core.js?v=bccdc2a64f1666371009' data-ips></script>


<script type='text/javascript' src='https://www.creditinfocenter.com/community/uploads/javascript_forums/front_front_forum.js?v=bccdc2a64f1666371009' data-ips></script>


<script type='text/javascript' src='https://www.creditinfocenter.com/community/uploads/javascript_global/root_map.js?v=bccdc2a64f1666371009' data-ips></script>



	<script type='text/javascript'>
		
			ips.setSetting( 'date_format', jQuery.parseJSON('"mm\/dd\/yy"') );
		
			ips.setSetting( 'date_first_day', jQuery.parseJSON('0') );
		
			ips.setSetting( 'ipb_url_filter_option', jQuery.parseJSON('"none"') );
		
			ips.setSetting( 'url_filter_any_action', jQuery.parseJSON('"allow"') );
		
			ips.setSetting( 'bypass_profanity', jQuery.parseJSON('0') );
		
			ips.setSetting( 'emoji_style', jQuery.parseJSON('"native"') );
		
			ips.setSetting( 'emoji_shortcodes', jQuery.parseJSON('true') );
		
			ips.setSetting( 'emoji_ascii', jQuery.parseJSON('true') );
		
			ips.setSetting( 'emoji_cache', jQuery.parseJSON('1627568501') );
		
			ips.setSetting( 'image_jpg_quality', jQuery.parseJSON('75') );
		
			ips.setSetting( 'cloud2', jQuery.parseJSON('false') );
		
		
	</script>



<script type='application/ld+json'>
{
    "@context": "http://www.schema.org",
    "publisher": "https://www.creditinfocenter.com/community/#organization",
    "@type": "WebSite",
    "@id": "https://www.creditinfocenter.com/community/#website",
    "mainEntityOfPage": "https://www.creditinfocenter.com/community/",
    "name": "Credit InfoCenter Forums",
    "url": "https://www.creditinfocenter.com/community/",
    "potentialAction": {
        "type": "SearchAction",
        "query-input": "required name=query",
        "target": "https://www.creditinfocenter.com/community/search/?q={query}"
    },
    "inLanguage": [
        {
            "@type": "Language",
            "name": "English (USA)",
            "alternateName": "en-US"
        }
    ]
}	
</script>

<script type='application/ld+json'>
{
    "@context": "http://www.schema.org",
    "@type": "Organization",
    "@id": "https://www.creditinfocenter.com/community/#organization",
    "mainEntityOfPage": "https://www.creditinfocenter.com/community/",
    "name": "Credit InfoCenter Forums",
    "url": "https://www.creditinfocenter.com/community/",
    "logo": {
        "@type": "ImageObject",
        "@id": "https://www.creditinfocenter.com/community/#logo",
        "url": "https://www.creditinfocenter.com/community/uploads/monthly_2021_07/cic_logo-dark-3.png.ff71fd22aba60f51b6f5548fc3d59d46.png"
    },
    "sameAs": [
        "https://facebook.com/creditinfocenter",
        "https://www.pinterest.com/creditinfocentr/",
        "https://twitter.com/creditinfocentr",
        "https://www.linkedin.com/company/credit-info-center/"
    ]
}	
</script>

<script type='application/ld+json'>
{
    "@context": "http://schema.org",
    "@type": "ContactPage",
    "url": "https://www.creditinfocenter.com/community/contact/"
}	
</script>


			
			
		
		<!--ipsQueryLog-->
		<!--ipsCachingLog-->
		
		
			
		
	</body>
</html>