By the way Sarge - where have you been? You have been alittle quiet lately!
I now need to file an answer to the petition with the court and to serve a copy to plaintiffs attorney.
No problem. Okay our state web site has a judical section, and even better yet a pro se section. When you go into it, it simply says that we follow federal civil procedures. Then from there it linked me directly to the code I needed.
(Personal loans free qout) I mailed CRRR to both of these companies and havent heard a peep from them.
Just curious cause I have an account listed with EQ where the DOLA is 11/1996 which should have come off last year and is still hanging around. I figured since it was pretty cut and dry, I would just dispute online. However, when I enter my zip code it just refreshes the page and doesn't do anything, regardless of the zip code I enter.
You can't get your EX FICO as of yet unless you get it from a cooperative lender who can pull it.
poniedziałek, 4 lutego 2008
same day payday loan
With our "BABY", 10 years younger than the girls, we have learned a lot.
I have heard that when you have an investigation pending with TU that a score is not available.
and will my Fico score go up after the discharged BK TLs update to "included in BK" vs discharged still showing a balance owed?
(Same day payday loan) My CU pointed that out, said that that sets a "flag" in their system, as it may mean you are homeless, hiding, transient, etc...stability problem.
Do you have a particular game that you enjoy playing? What casinos are you going to?
I can understand thanking the Lord for many things, health, love,the beauty of nature, patience and kindness and other valuable attributes, but GOOD CREDIT ???
I have heard that when you have an investigation pending with TU that a score is not available.
and will my Fico score go up after the discharged BK TLs update to "included in BK" vs discharged still showing a balance owed?
(Same day payday loan) My CU pointed that out, said that that sets a "flag" in their system, as it may mean you are homeless, hiding, transient, etc...stability problem.
Do you have a particular game that you enjoy playing? What casinos are you going to?
I can understand thanking the Lord for many things, health, love,the beauty of nature, patience and kindness and other valuable attributes, but GOOD CREDIT ???
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But I want to state that, IMHO, a lot of debate arises on this board because a clear line doesn't get drawn between A) what's legally correct and characterizing how a CRA will react to a given approach.
A borrower wrongly saddled with a blemished credit report could be forced to pay a mortgage nearly 3 percentage points higher than a borrower with a clean credit record.
around here by myself with an $80,000 mortgage and no transportation."
(Quickclick loans rip off) Oh yeah, one more thing //consumers.creditnet.com/straighttal...&threadid=37924
A creditor may contract for, charge, and receive from an obligor interest or time price differential.
If this were me, I think I'd be talking to an atty about MBNA taking an UNauthorized withdrawal.
I just wonder should I lay low until I have confirmed higher scores or what.
Thats CRS, not CSC, and yes, it was Scott Hall personally as far as the paperwork is concerned.
A borrower wrongly saddled with a blemished credit report could be forced to pay a mortgage nearly 3 percentage points higher than a borrower with a clean credit record.
around here by myself with an $80,000 mortgage and no transportation."
(Quickclick loans rip off) Oh yeah, one more thing //consumers.creditnet.com/straighttal...&threadid=37924
A creditor may contract for, charge, and receive from an obligor interest or time price differential.
If this were me, I think I'd be talking to an atty about MBNA taking an UNauthorized withdrawal.
I just wonder should I lay low until I have confirmed higher scores or what.
Thats CRS, not CSC, and yes, it was Scott Hall personally as far as the paperwork is concerned.
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I am almost to the "good" point, but will still be watching everyday.
A search of CN led to some interesting data on FIN but no address that I could find .
I have only been doing this for 5 months now. Almost done with mine, going to start on DW next, and after that I think I will stick around. That is the only way I can thank everyone here. I feel that I need to help new people and pass on the kidness that I have gotten here. Beside if I can stick it to a Ca by helping someone else then hell yes I'll stay and play .
(Payday loans with no bank accounts) For whatever the reason, Capitol One is incapable of saying anything nice about me on my credit reports.
This signifies that the rating board believes that most American parents would feel that the film is patently adult and that children age 17 and under should not be admitted to it.
If it is an issue of going through the collections dept that will generate the "settled in full", then ask the VP to turn the account back over to general customer service and pay there, so that the computer will not code it as settled.
I have already contacted the OC and have documentation clearly evidencing that you did not in fact verify the information you are reporting nor could you have reinvestigated; therefore, delete the TL as you are required to do.
A search of CN led to some interesting data on FIN but no address that I could find .
I have only been doing this for 5 months now. Almost done with mine, going to start on DW next, and after that I think I will stick around. That is the only way I can thank everyone here. I feel that I need to help new people and pass on the kidness that I have gotten here. Beside if I can stick it to a Ca by helping someone else then hell yes I'll stay and play .
(Payday loans with no bank accounts) For whatever the reason, Capitol One is incapable of saying anything nice about me on my credit reports.
This signifies that the rating board believes that most American parents would feel that the film is patently adult and that children age 17 and under should not be admitted to it.
If it is an issue of going through the collections dept that will generate the "settled in full", then ask the VP to turn the account back over to general customer service and pay there, so that the computer will not code it as settled.
I have already contacted the OC and have documentation clearly evidencing that you did not in fact verify the information you are reporting nor could you have reinvestigated; therefore, delete the TL as you are required to do.
niedziela, 3 lutego 2008
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I also point out that I have a documented forbearance for the period in question.
And thanks to my AU and my secured cards I have a perfect payment history on 3 revolving accounts.
Should I put all of my disputes in one letter to each CRA? Or just one dispute per letter?
(Ez payday cash loan sandy springs ga) There is an email address for TU customer relations somewhere, I don't have it.
And thanks to my AU and my secured cards I have a perfect payment history on 3 revolving accounts.
Should I put all of my disputes in one letter to each CRA? Or just one dispute per letter?
(Ez payday cash loan sandy springs ga) There is an email address for TU customer relations somewhere, I don't have it.
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What would you all do? Is it possible to just keep disputing as "not mine" until they eventually get sick of me?
Then, looking at my new Exp report, the CU If they try that then you can just start spouting things about invasion of privacy and possible enablement of identity theft.
I got approved with 1 unpaid chargeoff for $545 and obtained a BofA and Chase card.
(Ace cash express loans) I didn't send to anyone in particular, because it was my first shot at them.
I know this is crap but would like the links proving that they cannot just wait past the 7 years to post it.
Got pre-qualified letter in the mail today. Balance transfer at 8.99% and 0% on purchases until Oct. 2004 nice 9K limit :mrgreen:
Then, looking at my new Exp report, the CU If they try that then you can just start spouting things about invasion of privacy and possible enablement of identity theft.
I got approved with 1 unpaid chargeoff for $545 and obtained a BofA and Chase card.
(Ace cash express loans) I didn't send to anyone in particular, because it was my first shot at them.
I know this is crap but would like the links proving that they cannot just wait past the 7 years to post it.
Got pre-qualified letter in the mail today. Balance transfer at 8.99% and 0% on purchases until Oct. 2004 nice 9K limit :mrgreen:
sobota, 2 lutego 2008
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Thanks for the info....I was nervous....she acted so strange on the phone and I was thinking it would really stink if they would get away with this...
I do hope you stick around longer today, really the brilliant c-boarders could help you get better interest rates and cards for your next family vacation.
Hopefully, one of the more experienced members on this board will jump in and voice their opinion also.
(Cash advance for unemployment) There is almost never a good reason to reaffirm a debt to keep consumer goods.
I do hope you stick around longer today, really the brilliant c-boarders could help you get better interest rates and cards for your next family vacation.
Hopefully, one of the more experienced members on this board will jump in and voice their opinion also.
(Cash advance for unemployment) There is almost never a good reason to reaffirm a debt to keep consumer goods.
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Every member of the current Bush administration from the President on down has catagorically stated that we are in Iraq only as long as it takes to assist the Iraqis in naming their own leaders and helping them to determine their own destiny.
What I dispute is this alleged debt that you are trying to collect from me.
I am just beginning my journey to improve my credit score and reports.
(5 000 no credit check personal loans) During the course of the lease I was hurt on the job and collecting workman's compensation.
What I dispute is this alleged debt that you are trying to collect from me.
I am just beginning my journey to improve my credit score and reports.
(5 000 no credit check personal loans) During the course of the lease I was hurt on the job and collecting workman's compensation.
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NOw I will have two open credit lines after not having any open for 3 or more years.
The only way I found out was I applied for a credit card and had issues.
he comes back and says he cant find a gallon but he had 4 quarts of moter oil in his hands.
(Faxless payday loans) Your company recently investigated and supposedly verified an account from xxxx.
Sorry guys - i have heard a few good things about them - AND I know they give very high cls to qualifying customers - but any cc company that pulls two hard inquiries from two different cras for approval just isn't worth it in my book.
Check that out, it my work for you if they decided to get really cute...
I merely provided the prior address in response to their form's request to list all prior addresses.
The only way I found out was I applied for a credit card and had issues.
he comes back and says he cant find a gallon but he had 4 quarts of moter oil in his hands.
(Faxless payday loans) Your company recently investigated and supposedly verified an account from xxxx.
Sorry guys - i have heard a few good things about them - AND I know they give very high cls to qualifying customers - but any cc company that pulls two hard inquiries from two different cras for approval just isn't worth it in my book.
Check that out, it my work for you if they decided to get really cute...
I merely provided the prior address in response to their form's request to list all prior addresses.
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They pulled a soft on TU to begin, then a hard on TU when I sent in the preapproval.
I had a friend with a fico around the same as yours, obtain a loan from them.
I will restate that I am demanding you delete the items referenced immediately. Should you fail to remove these items from my report within 15 days, I will pursue any and all remedies afforded me by the FCRA and any other pertinent state and federal law.
(Subprime personal loan lenders) He did the charity fashion shows here,,, sigh,, forgrt it don't get me off- track!
HH has taken pretty seriously to making sure that people don't screw around with identity stuff. With SO, it was the fact that she was divorced and used to have accounts with them in her old married name....her new cards are in her maiden name...
I just said I wanted to dispute them becaus they accidentally pulled my info...explained that hubby applied for something individually, but used one of our joint cc's as reference card...when it was swiped, my info came up.
If they deposit, and fail to update your account, you have a violation.
I had a friend with a fico around the same as yours, obtain a loan from them.
I will restate that I am demanding you delete the items referenced immediately. Should you fail to remove these items from my report within 15 days, I will pursue any and all remedies afforded me by the FCRA and any other pertinent state and federal law.
(Subprime personal loan lenders) He did the charity fashion shows here,,, sigh,, forgrt it don't get me off- track!
HH has taken pretty seriously to making sure that people don't screw around with identity stuff. With SO, it was the fact that she was divorced and used to have accounts with them in her old married name....her new cards are in her maiden name...
I just said I wanted to dispute them becaus they accidentally pulled my info...explained that hubby applied for something individually, but used one of our joint cc's as reference card...when it was swiped, my info came up.
If they deposit, and fail to update your account, you have a violation.
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I would redraft this letter to site parts of the FCRA that they have violated and state that you want the tradeline deleted to avoid going to court.
Yes we know that CRA's can and do make mistakes, but because Discover knows this also, they are blaming the CRA instead of themselves.
OH - I loved the PAYPAL credit card offer displayed in the Paypal form section.
(Cash till pay day uk only) They say that they are within their 15 days of my PR as of today...I say they forfieted their 15 day window when the sent the first bogus attempt at providing the procedural information. Regardless they have still failed to provide me with the proper information. I also say that this whole comedy of errors I went through the last few days does not fit the statutes of "reasonable procedures". I would like some feedback from you all to boost me up and tell me I am not off my rocker and to go ahead and file in court tomorrow.
I hope you do not have to use it, because, once the complaint is actually filed, your HC provider will be in DEEP DOO-DOO
TCF Bank- OC..this was for an overdraft in 01, but paid directlt to them..
All I have is a 2 page report. The basic: what some creditors might view as adverse, etc etc. Only 4 tradelines listed!! Out of the four they list, Nissan and Sears have a new closed date for the 4th time. They keep reaging these 2 in perticular!
Got another Q for you, I get atleast one pre approved CC offer a day ....and today I got my first AMEX gold card pre-approval.
Yes we know that CRA's can and do make mistakes, but because Discover knows this also, they are blaming the CRA instead of themselves.
OH - I loved the PAYPAL credit card offer displayed in the Paypal form section.
(Cash till pay day uk only) They say that they are within their 15 days of my PR as of today...I say they forfieted their 15 day window when the sent the first bogus attempt at providing the procedural information. Regardless they have still failed to provide me with the proper information. I also say that this whole comedy of errors I went through the last few days does not fit the statutes of "reasonable procedures". I would like some feedback from you all to boost me up and tell me I am not off my rocker and to go ahead and file in court tomorrow.
I hope you do not have to use it, because, once the complaint is actually filed, your HC provider will be in DEEP DOO-DOO
TCF Bank- OC..this was for an overdraft in 01, but paid directlt to them..
All I have is a 2 page report. The basic: what some creditors might view as adverse, etc etc. Only 4 tradelines listed!! Out of the four they list, Nissan and Sears have a new closed date for the 4th time. They keep reaging these 2 in perticular!
Got another Q for you, I get atleast one pre approved CC offer a day ....and today I got my first AMEX gold card pre-approval.
quick loans without a job needed
The broker you contact may not KNOW VA and thus try to convince you to go conventional but there is not way to beat an IRRR loan!
I'd like to see someone's face at a stoplight...when I drive up..and there car is like smaller than mines and yada yada yada.
So, instead of disputing as account status wrong, I should dispute as being duplicate account and inaccurate info...yes I believe that was your advice.
(Quick loans without a job needed) The best news is, YOU can do something about it, you don't have to wait or feel hopeless, though that is what are supposed to feel and are made to feel as it is imposed on us -- don't accept it!
I had a similar email today, and had a verification link to click on.
I'd like to see someone's face at a stoplight...when I drive up..and there car is like smaller than mines and yada yada yada.
So, instead of disputing as account status wrong, I should dispute as being duplicate account and inaccurate info...yes I believe that was your advice.
(Quick loans without a job needed) The best news is, YOU can do something about it, you don't have to wait or feel hopeless, though that is what are supposed to feel and are made to feel as it is imposed on us -- don't accept it!
I had a similar email today, and had a verification link to click on.
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I just wonder should I lay low until I have confirmed higher scores or what.
I fired off a validation letter to Asta, received greencard back...never heard nothing back from them.
DO talk to at least 2 bk attorneys. Don't forget that even being on the phone with them they are on the clock, after you have retained one. If you have any cc's that are current try to keep from filing on them. Somehow our Chevron got left out of the bk filing which was a Godsend because it allowed us to keep a card and we were current on it up to our discharge and beyond, of course. We also had a dept store, JCP, with a 0 balance and a nation wide jewerly chain store card, 0 balance. These quickly helped us to establish a current pay history. Also, get a secured card, www.apbank.com, and get going on that. Fee of $35.00 to open 17% interest, $300 deposits to savings account, deposits increase credit limit, cash advance available, they report to all 3 cb's and do NOT report secured. Do not pay the sub-primes all those greaseball fees. Put it in your OWN account, it will convert to a regular account after 18 months or so, depending on your pay history, which you will of course keep current, right ;-) and you will have a nice savings account started. You can download the app. I agree too, many that have filed bk13 wish they'd have filed bk7. We are almost 2 years post bk7 and our myficos with credit repair are in the 725 range for both DH and myself, with the exception of 1 Equifax at 677. We started out at 500's. We qualify for a refi on our house already and we are getting by just fine. The Creditboards and Straight Talk/Credit Net have been amazingly helpful in rebuilding our credit. So, it's not the end of the world, not a decision made lightly either, but for us the only way to get a fresh start which is what bk is all about. Read the origins of Bk if you haven't already. The people on this board and ourselves are proof that you can recover nicely, does not mean there isn't a bumpy road ahead, but keep your payments current after your bk. Famous last line, "kiss of death" to a creditor if you make lates after a bk. You will really shoot yourself in the foot. My feeling with filing bk at all is that we had to sacrifice our credit and pride to do it. But we can sleep at night, make the housepayment and utilities, and eat. Good luck to you........
(Define loan credit) I never said it wasn;t a good program I just stated that is was a hybrid of what brokers can do and it is a really good way to package a certain program.
I love reading other peoples victories so thought I'd post a small one.
Now with either of these your interest rate will probably be 1/2 - 5/8 % higher if you don't pay a refinance fee.
I fired off a validation letter to Asta, received greencard back...never heard nothing back from them.
DO talk to at least 2 bk attorneys. Don't forget that even being on the phone with them they are on the clock, after you have retained one. If you have any cc's that are current try to keep from filing on them. Somehow our Chevron got left out of the bk filing which was a Godsend because it allowed us to keep a card and we were current on it up to our discharge and beyond, of course. We also had a dept store, JCP, with a 0 balance and a nation wide jewerly chain store card, 0 balance. These quickly helped us to establish a current pay history. Also, get a secured card, www.apbank.com, and get going on that. Fee of $35.00 to open 17% interest, $300 deposits to savings account, deposits increase credit limit, cash advance available, they report to all 3 cb's and do NOT report secured. Do not pay the sub-primes all those greaseball fees. Put it in your OWN account, it will convert to a regular account after 18 months or so, depending on your pay history, which you will of course keep current, right ;-) and you will have a nice savings account started. You can download the app. I agree too, many that have filed bk13 wish they'd have filed bk7. We are almost 2 years post bk7 and our myficos with credit repair are in the 725 range for both DH and myself, with the exception of 1 Equifax at 677. We started out at 500's. We qualify for a refi on our house already and we are getting by just fine. The Creditboards and Straight Talk/Credit Net have been amazingly helpful in rebuilding our credit. So, it's not the end of the world, not a decision made lightly either, but for us the only way to get a fresh start which is what bk is all about. Read the origins of Bk if you haven't already. The people on this board and ourselves are proof that you can recover nicely, does not mean there isn't a bumpy road ahead, but keep your payments current after your bk. Famous last line, "kiss of death" to a creditor if you make lates after a bk. You will really shoot yourself in the foot. My feeling with filing bk at all is that we had to sacrifice our credit and pride to do it. But we can sleep at night, make the housepayment and utilities, and eat. Good luck to you........
(Define loan credit) I never said it wasn;t a good program I just stated that is was a hybrid of what brokers can do and it is a really good way to package a certain program.
I love reading other peoples victories so thought I'd post a small one.
Now with either of these your interest rate will probably be 1/2 - 5/8 % higher if you don't pay a refinance fee.
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Are you suing for federal violations? I thought they might try to remand to higher court, but since you have had 3 hearings, this seems unlikely.
Before when I had a bazillion baddies, I kinda went balls out and disputed 10-15 items at once on each report.
A PICC freeze is like a lock that you put on your long distance service so that nobody except you can switch it.
(Mba loans past semester fees bad credit) I believe this is what lizardking got as part of his settlement, but I wouldn't expect him to publicly confirm
So heres the deal..how can we turn that heloc into a fixed second? I would suggest going back to the loan guy that put you in the loan and ask what can be done to do it.....and he SHOULD do it for cost......if he Doesnt do it for cost...gimme a call and I will do it for ya......over and over the Heloc is used and it really hurts the borrower. Gimme a call sometime if you need some help on this. On the flip side though WHAT A GREAT HOME eh?
Even when computers aren't handling complaints, critics say creditors don't get much higher marks for dealing with customer disputes.
Before when I had a bazillion baddies, I kinda went balls out and disputed 10-15 items at once on each report.
A PICC freeze is like a lock that you put on your long distance service so that nobody except you can switch it.
(Mba loans past semester fees bad credit) I believe this is what lizardking got as part of his settlement, but I wouldn't expect him to publicly confirm
So heres the deal..how can we turn that heloc into a fixed second? I would suggest going back to the loan guy that put you in the loan and ask what can be done to do it.....and he SHOULD do it for cost......if he Doesnt do it for cost...gimme a call and I will do it for ya......over and over the Heloc is used and it really hurts the borrower. Gimme a call sometime if you need some help on this. On the flip side though WHAT A GREAT HOME eh?
Even when computers aren't handling complaints, critics say creditors don't get much higher marks for dealing with customer disputes.
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I know it can get discouraging at times. DH has had about 30 or so items overall removed from his reports and the scores have remained about the same. EXP has actually dropped about 50 points. He used to get really down about it but I finally got him to understand that it is better to have a clean report with a lower score than a report with some/several baddies and a higher score. We are now striving for a clean report. The score will eventually follow. Once the report is clean if credit is denied there is a better chance for approval when asking for reconsideration.
It took me so long to acknowledge that I had to do something about my reports.
If you have to serve them yourself, you send it certified mail, return reciept requested.
(Waterloo iowa paycheck advance) Blinn, a consumer lawyer in Rocky Hill who handles credit report cases.
Circuit City reported yesterday that its First North American National Bank produced a pretax loss of $22.1 million for the quarter ending May 31st."
On December 20, 2002, Collection Agency Inc., received a demand for validation from me.
They did reinsert it properly. I am probably the only one who has ever received a proper reinsertion notice from TU. And yes - it was a paid judgement. I got rid of all the old addresses about 6 months ago. I just kept disputing it. DOn't know why it came off this time.
It took me so long to acknowledge that I had to do something about my reports.
If you have to serve them yourself, you send it certified mail, return reciept requested.
(Waterloo iowa paycheck advance) Blinn, a consumer lawyer in Rocky Hill who handles credit report cases.
Circuit City reported yesterday that its First North American National Bank produced a pretax loss of $22.1 million for the quarter ending May 31st."
On December 20, 2002, Collection Agency Inc., received a demand for validation from me.
They did reinsert it properly. I am probably the only one who has ever received a proper reinsertion notice from TU. And yes - it was a paid judgement. I got rid of all the old addresses about 6 months ago. I just kept disputing it. DOn't know why it came off this time.
piątek, 1 lutego 2008
personal no income loans
Do not worry about the post here mentioning the lack of freedom of expression in Latin America.
So then this would then mean to me that they cannot conduct any sort of collection on the debt.
The rate you quoted 8 for your 80/20 loan was high... I think there was a mistake or something with that score and if you have two open tradelines for 24 months good rental or mortgage history and limited charge offs within the last 2 years that is a high rate...cheryl robinsonplcl@aol.comserving 48 states
(Personal no income loans) That's certainly news to me, considering I thought it was the law that a company has to have your authorization to pull a full credit report.
I wish you had it in writing, but nonetheless, don't let them off the hook -- they're both playing with you, must be Bank One and CA's nose-picking strategy of the month.
So then this would then mean to me that they cannot conduct any sort of collection on the debt.
The rate you quoted 8 for your 80/20 loan was high... I think there was a mistake or something with that score and if you have two open tradelines for 24 months good rental or mortgage history and limited charge offs within the last 2 years that is a high rate...cheryl robinsonplcl@aol.comserving 48 states
(Personal no income loans) That's certainly news to me, considering I thought it was the law that a company has to have your authorization to pull a full credit report.
I wish you had it in writing, but nonetheless, don't let them off the hook -- they're both playing with you, must be Bank One and CA's nose-picking strategy of the month.
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Grendel - In response to your question, this all happened this month.
I think it's best to get each credit report from each of the three CRA's separately.
First, talk to your payroll dept about stopping your next direct dep.
(Interim cash advance address) The mortgage on the condo will essentially be paid by the renters though.
I received one yesterday concerning my 2001 taxes and I do not want to respond without knowing what I'm doing.
Dangit - why the fuck dont they list what they are like equifax does?
If you aren't willing to do your part, you'll never be able to find the answers you are looking for, even if EVERY member registered were to respond to one of your posts.
Every year in the county where I live they list all of the tax certificates that are for sale and they publish it in the newspaper.
I think it's best to get each credit report from each of the three CRA's separately.
First, talk to your payroll dept about stopping your next direct dep.
(Interim cash advance address) The mortgage on the condo will essentially be paid by the renters though.
I received one yesterday concerning my 2001 taxes and I do not want to respond without knowing what I'm doing.
Dangit - why the fuck dont they list what they are like equifax does?
If you aren't willing to do your part, you'll never be able to find the answers you are looking for, even if EVERY member registered were to respond to one of your posts.
Every year in the county where I live they list all of the tax certificates that are for sale and they publish it in the newspaper.
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but some people have seen very old stuff on PG that was not on the individual reports...
If you have any of those, try to barter with them on you paying for removal of tradeline.
I get mine on Friday. My last 2 derogs that are on EQ have agreed to delete for payment! I am going to pay them first. Then I am going to pay 90% of my cc balances to get my utilization down and see my score finally hit 700!!!!
(Hsbc credit loand) A couple of months ago when TU first started suppressing Salli Mae items I still decided to dispute 3 SMs that were showing a balance even though I had consolidated them. At the end of the 30 day dispute period they updated to show them with a zero balance even though they were still suppressed. Last week they became unsuprressed again but this week they have been suppressed again on PG.
Before anyone takes that too seriously and posts a scathing additon to this thread that was a joke }
If you have any of those, try to barter with them on you paying for removal of tradeline.
I get mine on Friday. My last 2 derogs that are on EQ have agreed to delete for payment! I am going to pay them first. Then I am going to pay 90% of my cc balances to get my utilization down and see my score finally hit 700!!!!
(Hsbc credit loand) A couple of months ago when TU first started suppressing Salli Mae items I still decided to dispute 3 SMs that were showing a balance even though I had consolidated them. At the end of the 30 day dispute period they updated to show them with a zero balance even though they were still suppressed. Last week they became unsuprressed again but this week they have been suppressed again on PG.
Before anyone takes that too seriously and posts a scathing additon to this thread that was a joke }
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I'm having a hard time understanding, I would like to try and refinance our cars, we are paying 19% interrest for both of these cars.
I will be calling contractors tomorrow to get pricing on fixing the second story bathroom. The people that we purchased the home from, must have cut a supporting beam and the #$#$#$#$ bathroom floor is sagging!
Usually a person qualifies for a conventional 30 year mortgage 1-2 years after getting the discharge.
(Credit card loan calculator) And i know you'll realize that this situation can be solved easily with a little compassion and business sense by you and your company.
LOL....ok,here's what happened, she called # on card, it had already been reported lost,they asked her to cut it up and basically told her she ruled the world cuz she had called and that her boyfriend sounded cute and his name had a really cool spelling and was, indeed, mysterious!
I will be calling contractors tomorrow to get pricing on fixing the second story bathroom. The people that we purchased the home from, must have cut a supporting beam and the #$#$#$#$ bathroom floor is sagging!
Usually a person qualifies for a conventional 30 year mortgage 1-2 years after getting the discharge.
(Credit card loan calculator) And i know you'll realize that this situation can be solved easily with a little compassion and business sense by you and your company.
LOL....ok,here's what happened, she called # on card, it had already been reported lost,they asked her to cut it up and basically told her she ruled the world cuz she had called and that her boyfriend sounded cute and his name had a really cool spelling and was, indeed, mysterious!
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Just as in the Mahon case that we've been working on today, Mahon neglected to motion for oral argument.
When opening a new account, generation will give a very liberal credit line if you are doing a bt.
Sometimes people are just being cute with words -- uh huh, nodding, I know you know just the kind of posts I mean. The cute is obvious even if the words aren't -- other than those, ask for clarification, I say, don't decide what someone meant for them. Words are hard enough without having to include psychic abilities as well.
(Loans without an acceptance fee) When you next shop for a mortgage, what is the first question you should ask?
privacy services as SBC's Privacy Manager and Sprint's Privacy ID, both of
You may attempt to build up a file by being listed as an AU on someone elses account, but now you have id'd your old self again.
When opening a new account, generation will give a very liberal credit line if you are doing a bt.
Sometimes people are just being cute with words -- uh huh, nodding, I know you know just the kind of posts I mean. The cute is obvious even if the words aren't -- other than those, ask for clarification, I say, don't decide what someone meant for them. Words are hard enough without having to include psychic abilities as well.
(Loans without an acceptance fee) When you next shop for a mortgage, what is the first question you should ask?
privacy services as SBC's Privacy Manager and Sprint's Privacy ID, both of
You may attempt to build up a file by being listed as an AU on someone elses account, but now you have id'd your old self again.
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That was a tengent, anyway, things sound better than your first post, so I would do.
Make sure you also put in your letter that if upon finding you do not owe the money, they are to correct this with the collection agency, your credit report, etc.........
Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681 and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681 of this title.
(Loan with a bad crdit) That Amex Blue looks fake....clear...sorta like those fake cards that come attached to the CC apps
Usually it will write old versions of things to your hard disk and not a floppy.
Checking your scores yourself never creates what we call a hard inquiry.
Make sure you also put in your letter that if upon finding you do not owe the money, they are to correct this with the collection agency, your credit report, etc.........
Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681 and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681 of this title.
(Loan with a bad crdit) That Amex Blue looks fake....clear...sorta like those fake cards that come attached to the CC apps
Usually it will write old versions of things to your hard disk and not a floppy.
Checking your scores yourself never creates what we call a hard inquiry.
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Another project that may be mentioned is the idea of building a L5 space station. These are two positions between the Earth and the Moon that are gravity neutral. You can build a space station of almost infinite size and build it there and in requires just station keeping thrust to keep it there.
By not being able to capitalize on the value proposition of HIPAA; the routine, secure and seamless exchange of health care information could be in jeopardy.
I should receive all of this in writing within the next few days, but this is all I know at the time and the information on the website is limited at best.
(Credit score needed to get boat loan) Can you tell me if you had any problem suing in small claims if the other party was out of state?
You are technically correct, they have UNTIL 4/2003 to be in FULL compliance,however, they were and are required to take all the neccessary steps starting 4/2001 to BECOME fully compliant.
Most of us here are working on getting back to the good credit standing that we once had before hard times struck.
By not being able to capitalize on the value proposition of HIPAA; the routine, secure and seamless exchange of health care information could be in jeopardy.
I should receive all of this in writing within the next few days, but this is all I know at the time and the information on the website is limited at best.
(Credit score needed to get boat loan) Can you tell me if you had any problem suing in small claims if the other party was out of state?
You are technically correct, they have UNTIL 4/2003 to be in FULL compliance,however, they were and are required to take all the neccessary steps starting 4/2001 to BECOME fully compliant.
Most of us here are working on getting back to the good credit standing that we once had before hard times struck.
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The cra's only report what the oc/ca tells them to report, if they bother to even verify.
I would presume that if I was denied a mortgage based on my wife getting us denied, I would still have damages.
I have the letters that state that these accounts were open fraudulently and they are ignoring them telling me they might be fake.
(Allied cash advance human resources fl) I found the links you just sent on another thread and they have been invaluable in my pursuits....
Say you had one of those "no payments, no interest" deals on furniture or a washer or whatever, and your grace period expired and the payments started to be due.
Or start with a card with a lower limit to at lease the interest a bit.
LOL, I read through all that and basically what it says is that the creditor is legally responsible to report accurate information to the CRA's or delete information that is reporting that they cant verify WITHOUT me having to do an investigation through the CB's?
I would presume that if I was denied a mortgage based on my wife getting us denied, I would still have damages.
I have the letters that state that these accounts were open fraudulently and they are ignoring them telling me they might be fake.
(Allied cash advance human resources fl) I found the links you just sent on another thread and they have been invaluable in my pursuits....
Say you had one of those "no payments, no interest" deals on furniture or a washer or whatever, and your grace period expired and the payments started to be due.
Or start with a card with a lower limit to at lease the interest a bit.
LOL, I read through all that and basically what it says is that the creditor is legally responsible to report accurate information to the CRA's or delete information that is reporting that they cant verify WITHOUT me having to do an investigation through the CB's?
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OH yea - the Chap 13 from OCT 1996 is still on the reports - so - we know that JCB will look past that.
on day 16, send copy of petition I will be filing with 72 hour buffer for response.
Bk, and my ONLY open account on my report, my current car payment which has a couple 30 days late.
(No income cash loans) Either that or MAKE SURE it says FICO when you pay for a score through each CBs website.
on day 16, send copy of petition I will be filing with 72 hour buffer for response.
Bk, and my ONLY open account on my report, my current car payment which has a couple 30 days late.
(No income cash loans) Either that or MAKE SURE it says FICO when you pay for a score through each CBs website.
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I am to the point now that I could handle these, one at a time, and negotiate with someone.
I guess I've been watching too much of the Suze Orman show, but she's right on with her analysis of the psychology of money.
Sears -- An old, very old paid charge-off, long since removed from my reports, but I still cannot get approved.
(Paycheck today com) If you want all three reports that would be nothing that I have heard of. Right now for the value I think privacyguard is the best. Creditwatch was changed to 4 pulls a year. Experian is fine but you have to buy it alone. TU has nothing but of course worthknowing is free. Privista always lags behind by a couple of weeks. There simply is nothing out there with everything you want. If there was we would all snatch it up in a second.
Once Sallie Mae Servicing has reported updated information, it is up to
Ok, a few steps are in order...In TX, when a CA is not bonded, they will send us for a $10 fee an official letter of no record.
I figured by the time he went through the process, his score would have re-arranged itself somewhat.
I had signed up for EarthLink with my name and address information but my debit card was under my father's name.
I guess I've been watching too much of the Suze Orman show, but she's right on with her analysis of the psychology of money.
Sears -- An old, very old paid charge-off, long since removed from my reports, but I still cannot get approved.
(Paycheck today com) If you want all three reports that would be nothing that I have heard of. Right now for the value I think privacyguard is the best. Creditwatch was changed to 4 pulls a year. Experian is fine but you have to buy it alone. TU has nothing but of course worthknowing is free. Privista always lags behind by a couple of weeks. There simply is nothing out there with everything you want. If there was we would all snatch it up in a second.
Once Sallie Mae Servicing has reported updated information, it is up to
Ok, a few steps are in order...In TX, when a CA is not bonded, they will send us for a $10 fee an official letter of no record.
I figured by the time he went through the process, his score would have re-arranged itself somewhat.
I had signed up for EarthLink with my name and address information but my debit card was under my father's name.
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If you have 4 years of good history, perhaps it's time to move on to a better bank?
All that said, my first phone call would be to the atty that did the bk for them.
Heeeey JC....is the CA you are asking about licensed to do business in your state?...if not....they can't collect from you, and you can use this for deletion!!
(Bad credit auto loans in green bay wi) I do not plan to use your form as it does not contain the space needed to file a complete dispute. Also, like many others, I do not print as well as I can type. This saves me time and you confusion in trying to read it. If you worried as much about ensuring correct information, you would not need to worry about people writing their dispute.
OK I just wanted you to know I fought the good fight last night, spent an hour and a half on the phone bouncing between QWEST & their colection agency called FOCUS....I have to say this was INTERESTING!!
All that said, my first phone call would be to the atty that did the bk for them.
Heeeey JC....is the CA you are asking about licensed to do business in your state?...if not....they can't collect from you, and you can use this for deletion!!
(Bad credit auto loans in green bay wi) I do not plan to use your form as it does not contain the space needed to file a complete dispute. Also, like many others, I do not print as well as I can type. This saves me time and you confusion in trying to read it. If you worried as much about ensuring correct information, you would not need to worry about people writing their dispute.
OK I just wanted you to know I fought the good fight last night, spent an hour and a half on the phone bouncing between QWEST & their colection agency called FOCUS....I have to say this was INTERESTING!!
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The item in question was, for some reason, being listed twice on their credit report, but they are for the same account.
The odd thing is- I can get an auto loan through them but they won't let me open a checking account lol.
I know Sears will say "you settled, you didnt pay the full balance" at which time I will say "you charged it off already, so I paid the CA...you cant change the 7yr time period" where they will feed me another line about what they can and cant do.
(Cash lenders in london) I have disputed about 3 or 4 trade lines with TU including a bankruptcy, all were done online, at the end of June. Today I got a CR in the mail from them which is just a regular CR. There is nothing indicating anything is in dispute, or anything has been deleted or anything has been verified. This CR is dated July 1, 2003. Why did they send me a CR that is identical to the one I have disputed?
Always felt I had to "earn my keep"...well sometimes, I still do, lol.
Same thing's happened to me with equifax - 41 points down in the last month . They've got to be tampering with the scoring criteria. Equifax could not explain - escalated me to folks at fico - I haven't heard from them yet.
The brief also questioned whether Provena Covenant provides charity care to all who need and apply for it, as case law requires. The brief cited the hospital's suing large numbers of patients for nonpayment of bills and its use of two collection agencies.
Reminds me of the charts that show Roth IRA vs Traditional and all those so called experts on Money Maz etc.
I just got off the phone with them and . He said no problem, I'll have these expedited for you.
The odd thing is- I can get an auto loan through them but they won't let me open a checking account lol.
I know Sears will say "you settled, you didnt pay the full balance" at which time I will say "you charged it off already, so I paid the CA...you cant change the 7yr time period" where they will feed me another line about what they can and cant do.
(Cash lenders in london) I have disputed about 3 or 4 trade lines with TU including a bankruptcy, all were done online, at the end of June. Today I got a CR in the mail from them which is just a regular CR. There is nothing indicating anything is in dispute, or anything has been deleted or anything has been verified. This CR is dated July 1, 2003. Why did they send me a CR that is identical to the one I have disputed?
Always felt I had to "earn my keep"...well sometimes, I still do, lol.
Same thing's happened to me with equifax - 41 points down in the last month . They've got to be tampering with the scoring criteria. Equifax could not explain - escalated me to folks at fico - I haven't heard from them yet.
The brief also questioned whether Provena Covenant provides charity care to all who need and apply for it, as case law requires. The brief cited the hospital's suing large numbers of patients for nonpayment of bills and its use of two collection agencies.
Reminds me of the charts that show Roth IRA vs Traditional and all those so called experts on Money Maz etc.
I just got off the phone with them and . He said no problem, I'll have these expedited for you.
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Timely rewards......normally it is 12 or 24 months. The thing is.......with most programs it isnt advantageous to do.....hard to explain but basically they artificially "up" your rate and then give it back..........dunno if I like it. Gimme some scores and lets figure this out.
And to the best of my recollection, there were never any notices sent to me.
Also, be rvery carefull about rate quotes from people. if it sounds too good to be true it probably is. Rates change everyday and sometimes more than once a day. Bad brokers know this and use ths to lure you in. Call in for a quote and get soemthing that sounds great, start the process and ask again about rates and they tell you "oh that was yesterdays rate -- todays rate is..."
(Guaranteed oregon cash advance) I successfully removed a tradeline from a CA after I disputed a chargeoff with Equifax.
Should we attempt to begin a payment plan since the account states open status to help his credit score
I want to go back to school now. I have 'NO' TL showing on any of my reports for any type of student loans. Will I still be able to get student loans/financial aid? DO they check some other way for defaulted loans besides on my CR?I think this rip-off school also did something with my pell grant because I found out later that they were supposed to use my pell grant before any loans were touched. How do I find out about that?
When it does get jacked-up should I just close it or try the old direct to retention 800#?
And to the best of my recollection, there were never any notices sent to me.
Also, be rvery carefull about rate quotes from people. if it sounds too good to be true it probably is. Rates change everyday and sometimes more than once a day. Bad brokers know this and use ths to lure you in. Call in for a quote and get soemthing that sounds great, start the process and ask again about rates and they tell you "oh that was yesterdays rate -- todays rate is..."
(Guaranteed oregon cash advance) I successfully removed a tradeline from a CA after I disputed a chargeoff with Equifax.
Should we attempt to begin a payment plan since the account states open status to help his credit score
I want to go back to school now. I have 'NO' TL showing on any of my reports for any type of student loans. Will I still be able to get student loans/financial aid? DO they check some other way for defaulted loans besides on my CR?I think this rip-off school also did something with my pell grant because I found out later that they were supposed to use my pell grant before any loans were touched. How do I find out about that?
When it does get jacked-up should I just close it or try the old direct to retention 800#?
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The uneducated man also gave himself a doctorate of law and various titles such as MC and VSO.
Just rec'vd my credit report back - my fleet card that was discharged in my bk is still reporting open and owing - disputed and EQ verified this and updated as follows:
TU said it is not their fault and to call pg and they refused to remove it.
(Cash advance with no checking account) I CAN'T BY LAW charge more than I actually paid for it so in my mind if this all goes south take this mortgage company to the state...they are over charging you.
Only offering that in some cases the situation is dealt with differently.
I just noticed that this new lender performed two AR shortly before the loan transfer date.
If I knew what I know now, there's absolutely no reason why my rate should've been that high.. it even had a prepayment penalty. It simply had to do with the terrible mortgage broker.
So make the first one, something you know will be verified or of not great importance.
Just rec'vd my credit report back - my fleet card that was discharged in my bk is still reporting open and owing - disputed and EQ verified this and updated as follows:
TU said it is not their fault and to call pg and they refused to remove it.
(Cash advance with no checking account) I CAN'T BY LAW charge more than I actually paid for it so in my mind if this all goes south take this mortgage company to the state...they are over charging you.
Only offering that in some cases the situation is dealt with differently.
I just noticed that this new lender performed two AR shortly before the loan transfer date.
If I knew what I know now, there's absolutely no reason why my rate should've been that high.. it even had a prepayment penalty. It simply had to do with the terrible mortgage broker.
So make the first one, something you know will be verified or of not great importance.
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I'm needing to do a HIPAA letter..and the original creditor is Carepoint P.C....I need a current address, phone and can't find anything on the net...can someone PLEASE help??
I would have thought that over 10 years of history would be worth a whole heck of a lot more than 11 points.
In addition, comprehensive laws foster the privacy of individual consumer data by limiting the collection and uses of the information."
(Paycheck layout canada) I wrote a pretty threatning letter through PFB for an non-pp for a credit increase, Robin called me back and left a message but in my multiple tries in contacting her I have never received a call back.
From my perspective, 9k for 30 months is a lot of cash just to rent a vehicle.
Does Transunion have a business policy whereby new credit cards take a minimum of 4 months activity/account membership for the item to appear on the Transunion report?
The question is are they gone just because I am disputing them or did she remove them for me? There is no comment about that info being in dispute in that particular field so, I am hopeful that they are gone!
I would have thought that over 10 years of history would be worth a whole heck of a lot more than 11 points.
In addition, comprehensive laws foster the privacy of individual consumer data by limiting the collection and uses of the information."
(Paycheck layout canada) I wrote a pretty threatning letter through PFB for an non-pp for a credit increase, Robin called me back and left a message but in my multiple tries in contacting her I have never received a call back.
From my perspective, 9k for 30 months is a lot of cash just to rent a vehicle.
Does Transunion have a business policy whereby new credit cards take a minimum of 4 months activity/account membership for the item to appear on the Transunion report?
The question is are they gone just because I am disputing them or did she remove them for me? There is no comment about that info being in dispute in that particular field so, I am hopeful that they are gone!
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In general, it would seem to be bad strategy to send any information that would work against your goals.
Thank you for taking the time to visit our web-site. I apologize for the delay in responding. However, after receiving your faxed response to my letter, I had to work on getting the approval for a mutual resolution to your inquiry. Please forward the settlement to us, as previously agreed. We will update your credit report to show paid in full instead of settled. We will accept the settlement offer of $1300.00 and extend the due date to July 14, 2003. Please let me know if you can not complete this arrangement, by July 1, 2003. I will note your file accordingly to my offer. Again, I apologize for the delay in responding to your inquiry.
BTW - All4, I believe sometimes, like now, just making something like this be gone is a wise decision.
(5 000 cash advance) I forget I am in texas and that not every state does as us goofy texans do.....LOL
Thank you for taking the time to visit our web-site. I apologize for the delay in responding. However, after receiving your faxed response to my letter, I had to work on getting the approval for a mutual resolution to your inquiry. Please forward the settlement to us, as previously agreed. We will update your credit report to show paid in full instead of settled. We will accept the settlement offer of $1300.00 and extend the due date to July 14, 2003. Please let me know if you can not complete this arrangement, by July 1, 2003. I will note your file accordingly to my offer. Again, I apologize for the delay in responding to your inquiry.
BTW - All4, I believe sometimes, like now, just making something like this be gone is a wise decision.
(5 000 cash advance) I forget I am in texas and that not every state does as us goofy texans do.....LOL
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This CA has reported nothing to the CRA's, and honestly I have no clue who they are, or why they would be pulling a report on me.
If you have proof of the first time it went delinquent 180 days, then when December rolls around send an intent to sue to the EQ people and it should come off.
I'll probably try the simulator again, after my paydown to 5% shakes out through all my files, and see if it tells me a different sweet spot.
(Allied cash advance human resources fl) Failing that, the items must be deleted from the report as soon as possible:
There is a lot of new people in the industry that aren't always in full understanding of their programs.
In regards to Providian, even though you were 17 when you got the card, it sounds like you continued to use it and pay on it, for awhile anyway, after you were 18.
I couldn't agree more about our state laws! Did you speak w/Anne? That woman had the same attitude w/me
Today, she told me she finally got one and is recording her telephone conversations too.
If you have proof of the first time it went delinquent 180 days, then when December rolls around send an intent to sue to the EQ people and it should come off.
I'll probably try the simulator again, after my paydown to 5% shakes out through all my files, and see if it tells me a different sweet spot.
(Allied cash advance human resources fl) Failing that, the items must be deleted from the report as soon as possible:
There is a lot of new people in the industry that aren't always in full understanding of their programs.
In regards to Providian, even though you were 17 when you got the card, it sounds like you continued to use it and pay on it, for awhile anyway, after you were 18.
I couldn't agree more about our state laws! Did you speak w/Anne? That woman had the same attitude w/me
Today, she told me she finally got one and is recording her telephone conversations too.
czwartek, 31 stycznia 2008
telecheck eclipse forums
If I am offering you a chance to get a loan of 15000, why then would I give you a chance to make that money elsewhere
The OC must list zero balance ONLY if they "sold" the account outright.
Because my credit score is in the mid to upper 700s and because I've paid every bill on time since the beginning of time that there couldn't be anything derogatory on my credit report.
(Telecheck eclipse forums) After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriff�s office in your county and I will begin the process of attaching property or funds to satisfy the judgment.
According to this lady, when you dispute an account, if you just say not mine the CRA s sometimes don t even inquire as to whether the account is yours or not.
The OC must list zero balance ONLY if they "sold" the account outright.
Because my credit score is in the mid to upper 700s and because I've paid every bill on time since the beginning of time that there couldn't be anything derogatory on my credit report.
(Telecheck eclipse forums) After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriff�s office in your county and I will begin the process of attaching property or funds to satisfy the judgment.
According to this lady, when you dispute an account, if you just say not mine the CRA s sometimes don t even inquire as to whether the account is yours or not.
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So, Sassy, are you in effect saying, that if you dispute a negative by using the "not mine" choice and it comes back "verified" that you have no other options.
They are allowed additional days to respond to you after the investigation is completed, this includes extra days to print up your report and mail it.
Also I sent them a ton of proof of my attempts to verify and/or validate with the furnishers as well as copy's of EQ and EXP to illustrate how they are reporting inncaurate info...
(Personal loans alberta) I've called the following creditors and have been unable to obtain a contact name to send a non-pp letter, anyone have a contact name at any of these:
I just checked EX investigation results and one of the OC's I sent verification to and proof of charge off. They cant do it b/c they dont have it but they continue to verify. Just thought I'd summarize this TL to avoid confusion..
They are allowed additional days to respond to you after the investigation is completed, this includes extra days to print up your report and mail it.
Also I sent them a ton of proof of my attempts to verify and/or validate with the furnishers as well as copy's of EQ and EXP to illustrate how they are reporting inncaurate info...
(Personal loans alberta) I've called the following creditors and have been unable to obtain a contact name to send a non-pp letter, anyone have a contact name at any of these:
I just checked EX investigation results and one of the OC's I sent verification to and proof of charge off. They cant do it b/c they dont have it but they continue to verify. Just thought I'd summarize this TL to avoid confusion..
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They told me that even though my statement states a credit limit, it is up to them if they let me surpass that at any given time.
In most states it is the date of default, referred to as the "cause of action," but, it can be different.
We moved, my husband has to drive a good 45 mins, but it is well worth it.
(Cash loans for bad telecheck review) My student loan is now on in-school deferment which equifax is showing as positive, but it was 90 days late in payment once and 60 days late three times because they were contacting my mother regarding repayment after i left school and because i went to school as an independent student i don't know why they would contact her instead of me.
My BK was from 2001. The actual BK public record was deleted by chance after I disputed it. Lucked out I guess.
In most states it is the date of default, referred to as the "cause of action," but, it can be different.
We moved, my husband has to drive a good 45 mins, but it is well worth it.
(Cash loans for bad telecheck review) My student loan is now on in-school deferment which equifax is showing as positive, but it was 90 days late in payment once and 60 days late three times because they were contacting my mother regarding repayment after i left school and because i went to school as an independent student i don't know why they would contact her instead of me.
My BK was from 2001. The actual BK public record was deleted by chance after I disputed it. Lucked out I guess.
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The one that throws me right now is; what kind of credit limit do you want to have available for my income bracket?
OK I just wanted you to know I fought the good fight last night, spent an hour and a half on the phone bouncing between QWEST & their colection agency called FOCUS....I have to say this was INTERESTING!!
BTW I saw Vince Gill and his wife on the Dove Awards last night, maybe it was a rerun.
(Need a 5 000 dollar loan) Interesting. I thought this thing about an individual account having high %UT was true but hadn't seen anyone quantify it's importance yet. .
Actually how are YOU? I know you've been back for a few weeks already and how come you no post?
I can't get another/different mortgage with these charge offs on there and they are naturally killing my fico score.
OK I just wanted you to know I fought the good fight last night, spent an hour and a half on the phone bouncing between QWEST & their colection agency called FOCUS....I have to say this was INTERESTING!!
BTW I saw Vince Gill and his wife on the Dove Awards last night, maybe it was a rerun.
(Need a 5 000 dollar loan) Interesting. I thought this thing about an individual account having high %UT was true but hadn't seen anyone quantify it's importance yet. .
Actually how are YOU? I know you've been back for a few weeks already and how come you no post?
I can't get another/different mortgage with these charge offs on there and they are naturally killing my fico score.
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I have heard of that when applying for a mortgage, but with that score, you don't even have to do the normal paperwork for a mortgage, if you don't want to - not to worry.
And, the contract...do you have a copy of the so-called contract they refer to??
Meaning if I am late on my car payment and they contact me and I tell them I will mail it when I can, they cannot call me again for another 30 days.
(Bad credit cash loans nz) That was my point, I am pointing out the other side of the coin� I think the consumer side is well represented here� don�t you think?
It certainly says "something" when a professionals are afraid to use their real name.
She will be fair. She got an item reinvestigated for me that had already been disputed twice. it had been verified a couple of times years ago and the regular dumbasses who answer the phone told me to get bent. I found her number online, called her, told her what teh deal was, that now this business is out of business and I had requested validation blah blah blah, she told me she would reinvestigate if I provided new information. I did, the CMRRR's from my validation. it was deleted a few weeks later when the did not verify. She did it perfect. Give her a chance. But don't expect rules to be broken for you. And remember, more flies with honey....
Another project that may be mentioned is the idea of building a L5 space station. These are two positions between the Earth and the Moon that are gravity neutral. You can build a space station of almost infinite size and build it there and in requires just station keeping thrust to keep it there.
And, the contract...do you have a copy of the so-called contract they refer to??
Meaning if I am late on my car payment and they contact me and I tell them I will mail it when I can, they cannot call me again for another 30 days.
(Bad credit cash loans nz) That was my point, I am pointing out the other side of the coin� I think the consumer side is well represented here� don�t you think?
It certainly says "something" when a professionals are afraid to use their real name.
She will be fair. She got an item reinvestigated for me that had already been disputed twice. it had been verified a couple of times years ago and the regular dumbasses who answer the phone told me to get bent. I found her number online, called her, told her what teh deal was, that now this business is out of business and I had requested validation blah blah blah, she told me she would reinvestigate if I provided new information. I did, the CMRRR's from my validation. it was deleted a few weeks later when the did not verify. She did it perfect. Give her a chance. But don't expect rules to be broken for you. And remember, more flies with honey....
Another project that may be mentioned is the idea of building a L5 space station. These are two positions between the Earth and the Moon that are gravity neutral. You can build a space station of almost infinite size and build it there and in requires just station keeping thrust to keep it there.
paycheck city
If you have any old addresses, you can get rid of them, and try your disputes again.
unless you have a loan amount of well over 200k then your scenario just doesnt work.
As far as I am concerned, I have not reached a settlement with ANYONE, and I have agreed to NOTHING and I'm not going to back down, because I do have a rock solid case.
(Paycheck city) I have an indoor gas furnace with a heat exchanger inside my house that supplies gas heat to my home.
I think the only one I havent done yet is Target visa...but I think I would try for blu for biz first...that is...if it is instant.
unless you have a loan amount of well over 200k then your scenario just doesnt work.
As far as I am concerned, I have not reached a settlement with ANYONE, and I have agreed to NOTHING and I'm not going to back down, because I do have a rock solid case.
(Paycheck city) I have an indoor gas furnace with a heat exchanger inside my house that supplies gas heat to my home.
I think the only one I havent done yet is Target visa...but I think I would try for blu for biz first...that is...if it is instant.
fulton bank personal loans
What he's not telling you is that a settled collection is no better credit- wise than an unpaid collection.
I know this first hand. My current employeer did this, I can't disclose the amount, but let's say the other person does not have to work for a couple of years.
Secondly, there is caselaw where you may sue for both bk code violations and, FDCPA violations.
(Fulton bank personal loans) When they contact the OC the OC will verify the account as being accurate and forget or willfully not tell the CRA that you are in dispute.
Even in our own homes we break the law behind closed doors....TX just arrested 2 gay men under the sodomy law not long ago...broke into their home .....now I dont tell straights how to manage their private sex life....I dont care...why is there so much interest in what we do behind closed doors?
If you have any of those, try to barter with them on you paying for removal of tradeline.
Please respond. I think I read somewhere its the UP Union plus that has larger limits BUT I just called up the Union Plus Customer Service and they also deal with the Corevette Cards and they said that all Corvette Cards are platinum. I asked which one generally has higher limits and she said she believes that the Corvette card does.
I know this first hand. My current employeer did this, I can't disclose the amount, but let's say the other person does not have to work for a couple of years.
Secondly, there is caselaw where you may sue for both bk code violations and, FDCPA violations.
(Fulton bank personal loans) When they contact the OC the OC will verify the account as being accurate and forget or willfully not tell the CRA that you are in dispute.
Even in our own homes we break the law behind closed doors....TX just arrested 2 gay men under the sodomy law not long ago...broke into their home .....now I dont tell straights how to manage their private sex life....I dont care...why is there so much interest in what we do behind closed doors?
If you have any of those, try to barter with them on you paying for removal of tradeline.
Please respond. I think I read somewhere its the UP Union plus that has larger limits BUT I just called up the Union Plus Customer Service and they also deal with the Corevette Cards and they said that all Corvette Cards are platinum. I asked which one generally has higher limits and she said she believes that the Corvette card does.
cashcall credit
There has to be a way to update my balances ASAP. Is there a specific person I need to contact at each of these CC's ?
Just having the car taken car of makes me feel a lot lighter.. but also anxious because I must now move on to the other bills.. but we will be ok, sooner or later.
One of these was a First USA entry that was listed on all six reports.
(Cashcall credit) But he told me that he trusts me and that he would just do what I told him.
Afterwards, I felt like I was going to pass out. I slept better that night than I have in years!!
Just having the car taken car of makes me feel a lot lighter.. but also anxious because I must now move on to the other bills.. but we will be ok, sooner or later.
One of these was a First USA entry that was listed on all six reports.
(Cashcall credit) But he told me that he trusts me and that he would just do what I told him.
Afterwards, I felt like I was going to pass out. I slept better that night than I have in years!!
personal loan poor credit no morgage
Just looked on pg and for all 3 under remarks it says "checked" and under payment it says "checked".
So I found out that these are special military accounts that DO charge off when they become 60 days delinquent.
Fort Knox National Bank is on my CR - says I had a $1000 limit, high balance $1000 and that the credit grantor canceled the account but I'm payign as agreed. Unless I fell asleep and opened this account, and ran up a $1000 bill, and paid it off while sleep walking I have no idea where this came from. Anyone know anything about these people? I also have an inquiry from Encore and it says its for collection services though I have never had anything from this company....
(Personal loan poor credit no morgage) What should my next step be with this OC? I know this wouldn't be sufficient for a CA, but what about an OC?
Just curious cause I have an account listed with EQ where the DOLA is 11/1996 which should have come off last year and is still hanging around.
So I found out that these are special military accounts that DO charge off when they become 60 days delinquent.
Fort Knox National Bank is on my CR - says I had a $1000 limit, high balance $1000 and that the credit grantor canceled the account but I'm payign as agreed. Unless I fell asleep and opened this account, and ran up a $1000 bill, and paid it off while sleep walking I have no idea where this came from. Anyone know anything about these people? I also have an inquiry from Encore and it says its for collection services though I have never had anything from this company....
(Personal loan poor credit no morgage) What should my next step be with this OC? I know this wouldn't be sufficient for a CA, but what about an OC?
Just curious cause I have an account listed with EQ where the DOLA is 11/1996 which should have come off last year and is still hanging around.
quick personal loans
Obviously, there can NOT be any other changes on the report or it won't prove anything.
Do I need to send them a leeter stating they need to validate, or send them one stating they did not state my dispute?
Although at the time I didn't have anything they could take, I had told my attorney I wanted to file 13 because I felt guilty about not paying anyone back, after all, I did charge all that stuff. He smiled and said that's nice but your credit is ruined already, why pay anything back if you don't have to? I felt bad, but I saw it his way .
(Quick personal loans) It was 721 on EQ last month, so it'll probably drop into the 600s when this month reports, then where it goes, nobody knows...
Im soooo happy, curcuit city is off my report with a mere dipute online with experian, now I gotta check with the other two CRA's. If the original is off my CRA's can the collection agency that took over Circuit City still report?????
yes a system the FTC will worn you about yet the feds use it the largest offender is social security.
Do I need to send them a leeter stating they need to validate, or send them one stating they did not state my dispute?
Although at the time I didn't have anything they could take, I had told my attorney I wanted to file 13 because I felt guilty about not paying anyone back, after all, I did charge all that stuff. He smiled and said that's nice but your credit is ruined already, why pay anything back if you don't have to? I felt bad, but I saw it his way .
(Quick personal loans) It was 721 on EQ last month, so it'll probably drop into the 600s when this month reports, then where it goes, nobody knows...
Im soooo happy, curcuit city is off my report with a mere dipute online with experian, now I gotta check with the other two CRA's. If the original is off my CRA's can the collection agency that took over Circuit City still report?????
yes a system the FTC will worn you about yet the feds use it the largest offender is social security.
gemb fast cash loan
I don't know, maybe I am obsessed now, and I see so many things that I can do to improve on my current scores.
I've been reading this board for the past couple of months -- it's great.
checked all 3 reports today, still nothing showing from NCO except inquiries on 4-23.
(Gemb fast cash loan) This was so long ago I didn't even know him then and I have known him for going on 9 years.
It will be my goal in life to never ever need to resort to their type AGAIN!
I've been reading this board for the past couple of months -- it's great.
checked all 3 reports today, still nothing showing from NCO except inquiries on 4-23.
(Gemb fast cash loan) This was so long ago I didn't even know him then and I have known him for going on 9 years.
It will be my goal in life to never ever need to resort to their type AGAIN!
theatre review entertaining mr sloan
At this point in the game there is NOT A SINGLE REASON I can thing of why the CMG can give you a decent estimate within $200.
First I've heard of loan being sold and no communications to change auto payment info.
What are you talking about? Is the air too thin where you are? Of course there is an incentive. I've been doing this for over 12 years. Most of my business is referral. Provide crappy service you don't get that referral. Each client is wroth about $10,000 to me over their life time. Because I will most likely do 2-3 loans for them, 2-3 for friends or family of theirs. While many nbew peoplein this business look for one deal at a time, people that last do things differently.
(Theatre review entertaining mr sloan) Last week I had a TL from a CA deleted from EQ and yesterday I recieved a letter stating that this letter is veriying that this is my account...LOL...I sent them one more validation letter. I can't believe they are going through so much trouble for $28
ON SEP 10th, you on paid XX by your check XXX and $XX by your check XXX and $ XXX.
Welcome to the board.......you have found a great place to begin your credit journey.
If they haven't, they are in violation of the FCRA and you can use that as leverage to have it removed.
First I've heard of loan being sold and no communications to change auto payment info.
What are you talking about? Is the air too thin where you are? Of course there is an incentive. I've been doing this for over 12 years. Most of my business is referral. Provide crappy service you don't get that referral. Each client is wroth about $10,000 to me over their life time. Because I will most likely do 2-3 loans for them, 2-3 for friends or family of theirs. While many nbew peoplein this business look for one deal at a time, people that last do things differently.
(Theatre review entertaining mr sloan) Last week I had a TL from a CA deleted from EQ and yesterday I recieved a letter stating that this letter is veriying that this is my account...LOL...I sent them one more validation letter. I can't believe they are going through so much trouble for $28
ON SEP 10th, you on paid XX by your check XXX and $XX by your check XXX and $ XXX.
Welcome to the board.......you have found a great place to begin your credit journey.
If they haven't, they are in violation of the FCRA and you can use that as leverage to have it removed.
ten dollar cash loans
If your former payment history with Beneficial is good, that seems to be worth a lot with them.
I would like to know if any of you know of a lender that can lend in GA that will work with both of us.
A credit report is the information that any one of the three of four major Credit Reporting Agencies
(Ten dollar cash loans) This is also notification of my intent to sue under the same FCRA, as I have documents from the following creditors, which support deletion from my credit report:
They MAY, if reviewing your account and seeing your BK decide to increase your interest rate or reduce your limit,and they MAY when it is up for renewal decide to non-renew, but I see no way that any State's credit laws would allow them to cancel a card that is not delinquent or over limit.
By starting this thread I thought people would respond with their positive and negative experiences based on the INFORMATION they had gotten from others.
Plus, I hear that there have been judgments against Capital One for consumer fraud.
I did tell you as well, your problem is a billing error, but you seem not to want to focus on that and have decided it's useless -- that works for me.
I would like to know if any of you know of a lender that can lend in GA that will work with both of us.
A credit report is the information that any one of the three of four major Credit Reporting Agencies
(Ten dollar cash loans) This is also notification of my intent to sue under the same FCRA, as I have documents from the following creditors, which support deletion from my credit report:
They MAY, if reviewing your account and seeing your BK decide to increase your interest rate or reduce your limit,and they MAY when it is up for renewal decide to non-renew, but I see no way that any State's credit laws would allow them to cancel a card that is not delinquent or over limit.
By starting this thread I thought people would respond with their positive and negative experiences based on the INFORMATION they had gotten from others.
Plus, I hear that there have been judgments against Capital One for consumer fraud.
I did tell you as well, your problem is a billing error, but you seem not to want to focus on that and have decided it's useless -- that works for me.
no ssn required for personal loans
I'm aware that there are some good reasons to close credit card accounts but one of them isn't so it won't look like you have too many CCs.
So make the first one, something you know will be verified or of not great importance.
If it's something that you need to keep quiet, just tell them you found it just before your dog swallowed it or something. And were curious as to what it was in case he had found more and needed to go to the vet.
(No ssn required for personal loans) The only scene that looked like Buffalo was when he was walking on water - you could see the sky line.
A call to Experian disputed this saying all previous history remains.
So make the first one, something you know will be verified or of not great importance.
If it's something that you need to keep quiet, just tell them you found it just before your dog swallowed it or something. And were curious as to what it was in case he had found more and needed to go to the vet.
(No ssn required for personal loans) The only scene that looked like Buffalo was when he was walking on water - you could see the sky line.
A call to Experian disputed this saying all previous history remains.
get a student loan without cosigner
Credit please, glad to hear your holding off the purchase until you can improve your scores, can't tell you how many people actually ok a deal at extreme interest rates just to get a deal done, bad move.
I posted this on CreditNet also, but wanted to see if anyone here might have some information:
So I finally got a hold of Carrie in Special Handling at Experian and she was able to locate a phone number of someone in Probate to finally say, she's not deceased. So now this account is updated to settled, as of today. This is a 5 year old charge off.
(Get a student loan without cosigner) They will send the information on the program to me soon and I'll respond in kind.
Then the recording says "Goodbye." And it disconnects you.
I posted this on CreditNet also, but wanted to see if anyone here might have some information:
So I finally got a hold of Carrie in Special Handling at Experian and she was able to locate a phone number of someone in Probate to finally say, she's not deceased. So now this account is updated to settled, as of today. This is a 5 year old charge off.
(Get a student loan without cosigner) They will send the information on the program to me soon and I'll respond in kind.
Then the recording says "Goodbye." And it disconnects you.
bank installment loan software with ach
just want a small phone flip phone, dont care about the push to talk thing, but do care about shared minutes.
there is a website where people can look up their past Federal Student Loans. You can see the amounts due/paid
2. The statement is "...Use everywhere Visa DEBIT cards are accepted..."
(Bank installment loan software with ach) Now before you get all wild and excited, and call the CU. PLEASE let me know where the loan originated?
there is a website where people can look up their past Federal Student Loans. You can see the amounts due/paid
2. The statement is "...Use everywhere Visa DEBIT cards are accepted..."
(Bank installment loan software with ach) Now before you get all wild and excited, and call the CU. PLEASE let me know where the loan originated?
teletrack home page
One sugesstion I might give you is finding a couple of LOCAL mortgage brokers in the area that you may be moving to in addition to anyone that might be national. This will give you another contact in the new state if you have never been there and realistically if this local broker is a few hundred dollars higher then the national guys the information about the area and helping you transition could prove to be very valuable. Good luck with your move!
Who has experience with this card & services?
... all three bureuas use separate credit scoring companies. So If you go to FICO that only will work for Equifax. Experian uses Beacon and TU someone else who I can't remember.Just to clarify further:
(Teletrack home page) So, did you get the bk off of all cras, what are your scores from eq & exp? I was only able to get it off, along with 5 accounts IIB, from TU. The other two cras use a local company to handle disputes and they are very thorough and always call me.
Who has experience with this card & services?
... all three bureuas use separate credit scoring companies. So If you go to FICO that only will work for Equifax. Experian uses Beacon and TU someone else who I can't remember.Just to clarify further:
(Teletrack home page) So, did you get the bk off of all cras, what are your scores from eq & exp? I was only able to get it off, along with 5 accounts IIB, from TU. The other two cras use a local company to handle disputes and they are very thorough and always call me.
person to person loans
Comments: Charged Off Account,
it appears that the bible would rather we rely on God, than ourselves...
Okay, ya GOTTA elaborate, lol...
(Person to person loans) Ok. I am ok now.......and I was not yelling at you
it appears that the bible would rather we rely on God, than ourselves...
Okay, ya GOTTA elaborate, lol...
(Person to person loans) Ok. I am ok now.......and I was not yelling at you
loan money with low credit
If your last negative and your last activity of any kind was in 98, then in '05 they should fall off. But, if in 2004 you decide to take the creditor up on his "generous" offer to reopen your account so you can pay off the past due balance, then you have just had "activity" and the 7 year clock starts all over from that point. So, guess what? Your 1998 negative that was getting ready to fall of will stick around now until 2011. Not only that, but, depending on what state you are in, the staute of limitations on collecting the debt was probably expired. So, they couldnt get a judgement against you anyway. But, once you renew the debt, if you default, you are wide open to suit again. Its no wonder creditors are suddenly making these offers. Its a win-win for THEM. Be warned.......
TU 15 bad/13 goods FICO 545; 1/1/04 - 1 bad/14 good, 704
1st things first I am removing my old addresses on all 3 reports. Now, I have a question about Capital One Bank account. It is not listed on Equifax but it is on EXP and TU..my mom cosigned for it when I was 17 then my mom closed it about 6 months later, I am now 20. I was wondering if I should try to take it off or not.
(Loan money with low credit) As the consumer, you can only provide the information that is on your credit report regarding a specific trade line, your name and address. You don't need to give them ANY other information. If the information supplied is not enough for them to find you, oh well, account doesn't exist and you have proof to give to the CRA the trade line is indeed invalid.
Were I you, and I knew the SOL was run, I'd DV Cavalry a few days after they miss their 90 day window. Well, maybe you should do it now. I'm conflicted. If you do DV them now mention nothing about the DOLA at this time. When you do DV them, DV them via fax. Don't fax from home or office. Send DV CMRRR the same day too.
i know in seattle they pulled EQ for me...but thats all i know about them. i know the local bmw dealer pulls eq too.
TU 15 bad/13 goods FICO 545; 1/1/04 - 1 bad/14 good, 704
1st things first I am removing my old addresses on all 3 reports. Now, I have a question about Capital One Bank account. It is not listed on Equifax but it is on EXP and TU..my mom cosigned for it when I was 17 then my mom closed it about 6 months later, I am now 20. I was wondering if I should try to take it off or not.
(Loan money with low credit) As the consumer, you can only provide the information that is on your credit report regarding a specific trade line, your name and address. You don't need to give them ANY other information. If the information supplied is not enough for them to find you, oh well, account doesn't exist and you have proof to give to the CRA the trade line is indeed invalid.
Were I you, and I knew the SOL was run, I'd DV Cavalry a few days after they miss their 90 day window. Well, maybe you should do it now. I'm conflicted. If you do DV them now mention nothing about the DOLA at this time. When you do DV them, DV them via fax. Don't fax from home or office. Send DV CMRRR the same day too.
i know in seattle they pulled EQ for me...but thats all i know about them. i know the local bmw dealer pulls eq too.
cash advance in 24 hour
if I called them .. would they see that I just cancel a membership today...
In general Umbrella Bank left me with a bad impression.
Great job Gargoyle. :wink:
(Cash advance in 24 hour) So it's a tossup about how effective it really is. Guess we can all give a report this time next month
Ummm.. how would cont'd collection activity be a violation if all you sent was a SOL letter? Am I confused or are you?
Just recieved faxed update from American General as follows:
There was a post about an e-mail scam recently re: Citibank. Well now, whomever is behind all these scams is doing the same thing with Earthlink/Mindspring and PayPal.
In general Umbrella Bank left me with a bad impression.
Great job Gargoyle. :wink:
(Cash advance in 24 hour) So it's a tossup about how effective it really is. Guess we can all give a report this time next month
Ummm.. how would cont'd collection activity be a violation if all you sent was a SOL letter? Am I confused or are you?
Just recieved faxed update from American General as follows:
There was a post about an e-mail scam recently re: Citibank. Well now, whomever is behind all these scams is doing the same thing with Earthlink/Mindspring and PayPal.
does loan mart use telecheck
I've moved this thread to General Discussion, as it clearly is not credit related.
I'm going to start selling things on e-bay and I need to buy a digital camera. I obviously need it for e-bay, but I also want it for family pics etc. I would like to be able to have good quality even when blown up to 8x10 size and I would like to go no higher than $500 on price. Under $400 would be even better.
Long story short...the actual debt has been placed in a new acct...so the SOL starts over if you default. BUT the old acct should not have a new SOL. It gets confusing since there are 2 issues here.
(Does loan mart use telecheck) 9. Fill out credit application
They haven't broken any federal laws, yet.
My comments regarding edits had nothing to do with you, but with the 1st posting in this thread.
I'm going to start selling things on e-bay and I need to buy a digital camera. I obviously need it for e-bay, but I also want it for family pics etc. I would like to be able to have good quality even when blown up to 8x10 size and I would like to go no higher than $500 on price. Under $400 would be even better.
Long story short...the actual debt has been placed in a new acct...so the SOL starts over if you default. BUT the old acct should not have a new SOL. It gets confusing since there are 2 issues here.
(Does loan mart use telecheck) 9. Fill out credit application
They haven't broken any federal laws, yet.
My comments regarding edits had nothing to do with you, but with the 1st posting in this thread.
quickclick loans ratings
With Your scores, Id be hottign up for soem of the Prime cards that are offering 0% and no fee BTs.....Citi. Bof A..National City to name a few....Fleet even....You're likely to get a nice CL which will help you UTILs...and a decent APR which will help as well.....only downside wil be the affect it has on your avg age of account....
i applied for the blue for students too. hope you get it.
2.I told my credit union I recently filed Chapter 7, told them the dates and they said id have to have MINIMUM 1 year of good, re-established credit POST Chapter 7 to even be considered for a loan. I asked them what I could do in the meantime to start rebuilding my credit, and they suggested I take out a $500 share secured loan thru them, to pay off in 6 months, which is direct debited every month, and then they said at the end of the first 6 months,take out another one, dont miss any payments, then at the conclusion of the 2nd note being payed off in full, then we could talk. So basically nothing from them for a year.........
(Quickclick loans ratings) The others are tiny, less than $100 but charged interest on things they had no right to do so on!
Should be gone monday..............I hope!!
I've got ACA on Asset, so I'm sitting back, patting myself on my back, thinking like yeah, they should be off by the end of the month.
I also overpaid on this utility account by a few dollars, of which they have made no attempt to refund to me.
i applied for the blue for students too. hope you get it.
2.I told my credit union I recently filed Chapter 7, told them the dates and they said id have to have MINIMUM 1 year of good, re-established credit POST Chapter 7 to even be considered for a loan. I asked them what I could do in the meantime to start rebuilding my credit, and they suggested I take out a $500 share secured loan thru them, to pay off in 6 months, which is direct debited every month, and then they said at the end of the first 6 months,take out another one, dont miss any payments, then at the conclusion of the 2nd note being payed off in full, then we could talk. So basically nothing from them for a year.........
(Quickclick loans ratings) The others are tiny, less than $100 but charged interest on things they had no right to do so on!
Should be gone monday..............I hope!!
I've got ACA on Asset, so I'm sitting back, patting myself on my back, thinking like yeah, they should be off by the end of the month.
I also overpaid on this utility account by a few dollars, of which they have made no attempt to refund to me.
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