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.

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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..

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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.

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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.

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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.

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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.

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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.

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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!!

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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.

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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.

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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!

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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.

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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.

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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.

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.

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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?

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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.

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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

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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.

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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.

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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.

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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.