I guess it finally sunk in - If you have to charge it, you can't afford it, so don't buy it.
I double-dog-dare Citibank to pull an AR of any kind on my credit report.
It has been over 30 days since i received the letter that says i have 30 days to dispute it.
(Hsbc credit loand) Now, I'm thinking about this...First, me personally, I would get a statement from GMAC stating the account is paid in full.
Have you tried pulling a report from worthknowing.com? Pull from there and see if the accounts are listed. Did they send you an updated report, and are they listed on that report?
Each of your FACTS listed above, how many of them do you have in writing?
poniedziałek, 4 lutego 2008
fastlink mortgages loans uk
The consumer reporting agency may not report the inaccurate or unverified information in subsequent reports.
I would like to know how to contact these people does anyone know an address for them?
Please be advised we will have to Order/Request the original billing for the service provided.
(Fastlink mortgages loans uk) and ask them to remove the trade from your reports since the account is no longer open.
If a DC is reporting on your CR, and you request validation, does the DC have to mark your account in dispute with the CRAs?
I would like to know how to contact these people does anyone know an address for them?
Please be advised we will have to Order/Request the original billing for the service provided.
(Fastlink mortgages loans uk) and ask them to remove the trade from your reports since the account is no longer open.
If a DC is reporting on your CR, and you request validation, does the DC have to mark your account in dispute with the CRAs?
niedziela, 3 lutego 2008
bad credit unsecured loans
Take Ohio for instance, the reason the "consumer sites" have a line for open accounts is because the statutes for Ohio credit card SOL are buried in a very complex maze of different areas of their statutes.
Maybe a lawsuit served will get their attention? I will not send a complaint for their review, nor a settlement letter. They have placed an R9 tradeline on my reports. The account was IIBK. They can go to h
I guess the real question is, how long is the window between applying and when we can actually make an offer?
(Bad credit unsecured loans) Check that post, I tryed the same thing and got all Equifax inqs deleted, experian on the other hand refused to put inquiries in dispute.
Tell them you signed and filed that agreement specifically to REBUILD and you're right, it does eliminate your bk protection on that asset.
Maybe a lawsuit served will get their attention? I will not send a complaint for their review, nor a settlement letter. They have placed an R9 tradeline on my reports. The account was IIBK. They can go to h
I guess the real question is, how long is the window between applying and when we can actually make an offer?
(Bad credit unsecured loans) Check that post, I tryed the same thing and got all Equifax inqs deleted, experian on the other hand refused to put inquiries in dispute.
Tell them you signed and filed that agreement specifically to REBUILD and you're right, it does eliminate your bk protection on that asset.
cashman loans
Ahh...I neglected to consider the part about "continue collection activity".
FYI: My current score is EX: 722 and this lien is the only derogatory statement on my report.
Today, 3/17/03, I received a response from Capital One, dated 2/26/03, declining my request based upon the following:
(Cashman loans) Maybe it is good that gm and corvette are the only score driven cards out there who pull eq.....
Those notes and paper trails are SO important, and I just BLEW IT! DAM :cry:
While I found you article interesting, my person opinion is the APR is not a usefull tool for borrowers.
It's ridiculous that there is absolutley no alternative available to deal with two small tax liens but to "wait", and for seven years, when the rest of my items are just fine.
CBSDNA=citi bank south dakota something or other that i can't remember now.
FYI: My current score is EX: 722 and this lien is the only derogatory statement on my report.
Today, 3/17/03, I received a response from Capital One, dated 2/26/03, declining my request based upon the following:
(Cashman loans) Maybe it is good that gm and corvette are the only score driven cards out there who pull eq.....
Those notes and paper trails are SO important, and I just BLEW IT! DAM :cry:
While I found you article interesting, my person opinion is the APR is not a usefull tool for borrowers.
It's ridiculous that there is absolutley no alternative available to deal with two small tax liens but to "wait", and for seven years, when the rest of my items are just fine.
CBSDNA=citi bank south dakota something or other that i can't remember now.
mte financial pay loan
It is POSSIBLE that you have no credit files because many of your derogs are either obsolete, or, in the case of the repos, not reportable because they were not carried out in accordance with State laws.
I am requesting this information because I have contacted Scumbag CA and requested validation that these debts are mine.
This is why I posted the link to the "this board is being watched" thread -- it's the Ah HA's.
(Mte financial pay loan) If you apply for a mortgage then they probably will verify what you tell them.
What are those cute, slimey but tasty bugs, that were in the lion king -- ya know that Fisher called fave Quixote????
It was sold a million times and I guess I'm not reading the report closely enough, but I can't tell who has it now.
I am requesting this information because I have contacted Scumbag CA and requested validation that these debts are mine.
This is why I posted the link to the "this board is being watched" thread -- it's the Ah HA's.
(Mte financial pay loan) If you apply for a mortgage then they probably will verify what you tell them.
What are those cute, slimey but tasty bugs, that were in the lion king -- ya know that Fisher called fave Quixote????
It was sold a million times and I guess I'm not reading the report closely enough, but I can't tell who has it now.
quick loan funding scam
I'm going over there tonight and we're pulling all 3 reports to see what's going on.
Now if someone could explain to me why I have to wait 25 hours, I'd be happy.
The funny thing is.. it is reporting to EX already! This is how I found out my CL!! I was told would receive in a couple of weeks. They pulled their CR on 9/5 and it is already reporting!!
(Quick loan funding scam) so they offer us the EIC amoung other things in order to get us to bredd and we still refuse.
She was thinking about refinancing the house to payoff the ch.13, I am really talking her out of this and into the ch.
Many cards have different rates for balance transfers, purchases and cash advances, looks to me like they always pay down the balance with the lowest rate.
Now if someone could explain to me why I have to wait 25 hours, I'd be happy.
The funny thing is.. it is reporting to EX already! This is how I found out my CL!! I was told would receive in a couple of weeks. They pulled their CR on 9/5 and it is already reporting!!
(Quick loan funding scam) so they offer us the EIC amoung other things in order to get us to bredd and we still refuse.
She was thinking about refinancing the house to payoff the ch.13, I am really talking her out of this and into the ch.
Many cards have different rates for balance transfers, purchases and cash advances, looks to me like they always pay down the balance with the lowest rate.
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BTW, the definitive place to visit to figure out how to maximize rewards is: www.flyertalk.com.
My suggestions This thread, whose main thrust was essentially an invitation to endorse and enjoin lawbreaking, should be closed.
I told him that I wanted this account to show as Paid or Paid in Full.
(Same day payday loan) By the time I found out last year that Platinum had become the gold-standard, so to speak, my credit had been long trashed and I was too scared to ask for an upgrade.
LKH, I have a bk dismissed..it's 7 years in July...off on EXP already and TU says it will come off in 7/2003.
I was an idiot to believe what they promised, but at least I didn't send out a "nutcase" letter and I don't mind at all presenting to the judge/jury the faxes and e-mails I DID send.
My suggestions This thread, whose main thrust was essentially an invitation to endorse and enjoin lawbreaking, should be closed.
I told him that I wanted this account to show as Paid or Paid in Full.
(Same day payday loan) By the time I found out last year that Platinum had become the gold-standard, so to speak, my credit had been long trashed and I was too scared to ask for an upgrade.
LKH, I have a bk dismissed..it's 7 years in July...off on EXP already and TU says it will come off in 7/2003.
I was an idiot to believe what they promised, but at least I didn't send out a "nutcase" letter and I don't mind at all presenting to the judge/jury the faxes and e-mails I DID send.
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...with a new stained wood fence that has metal posts sunk in concrete and board-on-board slats.
This creep isn't the person I normally deal with anyway and I am absolutely sick and tired of them.
I went to EXP website and checked on my online disputes and I think they have even updated one account that is in dispute and the balance is now higher!!
(Cash advances in puerto rico) 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.
I know I've seen something on here about this before, but I can't find it under search.
I used to have entries on my accounts that said closed at credit granters request but after several disputes the notations drooped away.
Do you think an OC is likely to settle on a partial payment in exchange for negative deletion?
What had happened was when i was approved for the savings acct they had approved me for a 5K card, however a few weeks later - when i called to inquire why it hadn't arrived - the cs rep explained that even tho I was approved via their web site with the soft inquiry - they had changed their policy and that you had to apply seperately for a credit card - and that a hard inquiry would be pulled.
This creep isn't the person I normally deal with anyway and I am absolutely sick and tired of them.
I went to EXP website and checked on my online disputes and I think they have even updated one account that is in dispute and the balance is now higher!!
(Cash advances in puerto rico) 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.
I know I've seen something on here about this before, but I can't find it under search.
I used to have entries on my accounts that said closed at credit granters request but after several disputes the notations drooped away.
Do you think an OC is likely to settle on a partial payment in exchange for negative deletion?
What had happened was when i was approved for the savings acct they had approved me for a 5K card, however a few weeks later - when i called to inquire why it hadn't arrived - the cs rep explained that even tho I was approved via their web site with the soft inquiry - they had changed their policy and that you had to apply seperately for a credit card - and that a hard inquiry would be pulled.
sobota, 2 lutego 2008
firstcash advance
Asked the same question and was told they could although no explanation was really given.
I think this is the highest I have ever had...still not where I want to be, but it sure is progress!!!!
It hasn't been registered since april of 2000 no tags or nothing since april 2000 it was in my name april of 00,however
(Firstcash advance) Caramel, we'll be anxiously awaiting your precious arrival, as well!!
Also, you'd think that if they are in cahoots, they'd be a little more on the ball when it comes to marking accounts as disputed!
- meaning the Collector could not legally respond to the CRA- forcing the CRA to delete the account for "no response".
since I signed the papers saying I didnt want any of my medical info to be given out.
They gave me a chance when no one else would and it's my only current positive tradeline.
I think this is the highest I have ever had...still not where I want to be, but it sure is progress!!!!
It hasn't been registered since april of 2000 no tags or nothing since april 2000 it was in my name april of 00,however
(Firstcash advance) Caramel, we'll be anxiously awaiting your precious arrival, as well!!
Also, you'd think that if they are in cahoots, they'd be a little more on the ball when it comes to marking accounts as disputed!
- meaning the Collector could not legally respond to the CRA- forcing the CRA to delete the account for "no response".
since I signed the papers saying I didnt want any of my medical info to be given out.
They gave me a chance when no one else would and it's my only current positive tradeline.
5500 cash loan
I have really been reading up on the Civil Procedures as it appears that I am going to have to file in Federal Court.
Just when I thought I had seen it all in the game collecting..........
Then if you want gravy, ask for procedural descriptions on every item.
(5500 cash loan) I think Icicle is best......I'm gonna go see what Cobalt looks like, and see what you mean....
It's only 35 bucks, it's just the principle of the matter and I dont want the SOL starting all over again once it's paid!
Just when I thought I had seen it all in the game collecting..........
Then if you want gravy, ask for procedural descriptions on every item.
(5500 cash loan) I think Icicle is best......I'm gonna go see what Cobalt looks like, and see what you mean....
It's only 35 bucks, it's just the principle of the matter and I dont want the SOL starting all over again once it's paid!
business and personal loans
If you didn't have any right to validation after 30 days, I could just tell you that you owe me $2400 from a few years ago and your 30 day were up then and you'd have to pay it.
I as a broker have a couple of lenders that will give me .50% rebate if a client does this.
Like you might, on a whim tomorrow, become a heroin addict and stop paying.
(Business and personal loans) The comments on the accounts say "account closed by subscriber, charged off account, etc."
This part says that if, say, NJ requires IL CA's to be licenesed in NJ as well and NJ, then the NJ CA's need to be licensed in IL as well...
Anyway, at least I know I wasn't totally off target for what I thought we should be at. He was very apologetic today, so I'm gonna chalk it up to the cold medicine he must be taking for something with all the credit troubles we have had--wahoo! Now I'm waiting for the GFE.
There wasn't any explanation with it at all. It was just the judgement. The amount he awarded us was the amount that we asked for. So, he gave them the MAXIMUM penalty allowed, plus our filing costs.
You are thinking that it's more likely those creditors would delete when faced with an upcoming contempt date instead of facing the Judge?�
I as a broker have a couple of lenders that will give me .50% rebate if a client does this.
Like you might, on a whim tomorrow, become a heroin addict and stop paying.
(Business and personal loans) The comments on the accounts say "account closed by subscriber, charged off account, etc."
This part says that if, say, NJ requires IL CA's to be licenesed in NJ as well and NJ, then the NJ CA's need to be licensed in IL as well...
Anyway, at least I know I wasn't totally off target for what I thought we should be at. He was very apologetic today, so I'm gonna chalk it up to the cold medicine he must be taking for something with all the credit troubles we have had--wahoo! Now I'm waiting for the GFE.
There wasn't any explanation with it at all. It was just the judgement. The amount he awarded us was the amount that we asked for. So, he gave them the MAXIMUM penalty allowed, plus our filing costs.
You are thinking that it's more likely those creditors would delete when faced with an upcoming contempt date instead of facing the Judge?�
cash call early payoff
I can't get another/different mortgage with these charge offs on there and they are naturally killing my fico score.
OK you want to dispute any derogatory accounts that do not say "included in bk" first.
Just make sure that you have the money to put back into your savings as well as buy the furniture to fill the darn place.
(Cash call early payoff) I decreased my overall usage several months ago from slightly over 50% to about 30% and saw an increase of over 40 pts.
This virus, which was first detected on June 5, was found by Sophos, a world-leader in anti-virus protection for businesses.
I know this problem is big enough that it has to be disclosed to a potential buyer, but I am afaid of losing the buyer if they know the repair will tear up their house right after they move in.
There are procedures for repo's. However, most contracts stipulate that if you are even 30 days late, or fail to provide insurance for the collateral, the Creditor can repo without notice. However, there are clauses, such as "Breach of the Peace", that forbid the repo company from threatening you, hurting, or attacking you, breaking in to a garage or fenced in area, is considered breach of the peace as well.
I hope you all continue to call/email me and I will continue to help you.
OK you want to dispute any derogatory accounts that do not say "included in bk" first.
Just make sure that you have the money to put back into your savings as well as buy the furniture to fill the darn place.
(Cash call early payoff) I decreased my overall usage several months ago from slightly over 50% to about 30% and saw an increase of over 40 pts.
This virus, which was first detected on June 5, was found by Sophos, a world-leader in anti-virus protection for businesses.
I know this problem is big enough that it has to be disclosed to a potential buyer, but I am afaid of losing the buyer if they know the repair will tear up their house right after they move in.
There are procedures for repo's. However, most contracts stipulate that if you are even 30 days late, or fail to provide insurance for the collateral, the Creditor can repo without notice. However, there are clauses, such as "Breach of the Peace", that forbid the repo company from threatening you, hurting, or attacking you, breaking in to a garage or fenced in area, is considered breach of the peace as well.
I hope you all continue to call/email me and I will continue to help you.
home loans bad credit
I have the report and contract for the inspector and will reread it today.
Fusce dui augue, scelerisque vitae, ullamcorper ut, lacinia eu, ante.
in general, the CRAs and OCs only keep hard copies of records for 2 years.
(Home loans bad credit) SOL does not stop them from trying to collect. It just prevents them from using the legal system to help them.
Certain types of practices by collection agencies are unlawful. These include:
I've started the whole challenge process, but I can tell by the threads on this board that it's going to be an uphill battle!
Not only did we never receive a modem from you, but we had no internet service at all for 6 months!
Make sure and give a copy of the letter to the bank also and let them know this CC company is not authorized to present any additional request for payment to the old account.
Rate your over all credit on a scale of 1-10: Post Chapter 7? or prior? Now its a 10 I guess, no lates, doing great with my two credit cards and share secured loan I just took out to help rebuild my credit.
Fusce dui augue, scelerisque vitae, ullamcorper ut, lacinia eu, ante.
in general, the CRAs and OCs only keep hard copies of records for 2 years.
(Home loans bad credit) SOL does not stop them from trying to collect. It just prevents them from using the legal system to help them.
Certain types of practices by collection agencies are unlawful. These include:
I've started the whole challenge process, but I can tell by the threads on this board that it's going to be an uphill battle!
Not only did we never receive a modem from you, but we had no internet service at all for 6 months!
Make sure and give a copy of the letter to the bank also and let them know this CC company is not authorized to present any additional request for payment to the old account.
Rate your over all credit on a scale of 1-10: Post Chapter 7? or prior? Now its a 10 I guess, no lates, doing great with my two credit cards and share secured loan I just took out to help rebuild my credit.
piątek, 1 lutego 2008
bad credit installment loan
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.
I'm going to follow along this tack for a bit longer. As others have pointed out, I probably wouldn't have some of these problems has I gone with Superior Court to start with. Trying some different approaches in the hopes that I can learn something which will help others. Assuming it goes throught to judgement, win or lose I'll post all the details and sign off of this nickname so others might gain from the information. If they come to their senses and offer a resonable settlement, then I'm kinda bound to not talking.
If the payments would just let up. I thing we'd be okay. We've negotiated with the car payment still owed and computer that will be paid off in April. We both work full time. Enough to pay our bills with some a very little some left over for emergency savings. Just not currently with the extra payment. We have explored the second job aspect too. We don't bring in enough to make up the difference. We can only work on weekends because of our weekly schedule. We talk again today to the guy at Intelligent Foreclosure. We haven't gone with them yet. The guy said he wanted to talk with our mortgage co. first to see if he could help us. The guy will act as a mediator not a loan officer or refinancer. He is suppose to according to what he told me mediate with the mortgage co. to get a better payment arrangement.
(Bad credit installment loan) In the end, their lawyer even admitted to me that the collection accts that belonged to someone else, were not mine and they knew it.
Nor are they going to have garage sales of multimillion $$ artwork given to them illegally by the same Corp.
You do want to serve the defendant with interrogetories and admissions as soon as possible.
I'm going to follow along this tack for a bit longer. As others have pointed out, I probably wouldn't have some of these problems has I gone with Superior Court to start with. Trying some different approaches in the hopes that I can learn something which will help others. Assuming it goes throught to judgement, win or lose I'll post all the details and sign off of this nickname so others might gain from the information. If they come to their senses and offer a resonable settlement, then I'm kinda bound to not talking.
If the payments would just let up. I thing we'd be okay. We've negotiated with the car payment still owed and computer that will be paid off in April. We both work full time. Enough to pay our bills with some a very little some left over for emergency savings. Just not currently with the extra payment. We have explored the second job aspect too. We don't bring in enough to make up the difference. We can only work on weekends because of our weekly schedule. We talk again today to the guy at Intelligent Foreclosure. We haven't gone with them yet. The guy said he wanted to talk with our mortgage co. first to see if he could help us. The guy will act as a mediator not a loan officer or refinancer. He is suppose to according to what he told me mediate with the mortgage co. to get a better payment arrangement.
(Bad credit installment loan) In the end, their lawyer even admitted to me that the collection accts that belonged to someone else, were not mine and they knew it.
Nor are they going to have garage sales of multimillion $$ artwork given to them illegally by the same Corp.
You do want to serve the defendant with interrogetories and admissions as soon as possible.
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More nodding, he/she found my words offensive, I apologized for it. If the apology too is offensive, I don't know what more I can do there; accept it or not.
Didn't we talk about CreditExpert in another thread...they have a limit as to online disputes per account.
Sears will show up in court, they will want to set up payments for items bought such as computer, furniture, appliances etc..
(Fast cash unsecured sydney) People whine and complain now about having to pay 40 bucks a month for X amount of minutes, and then the 40 cent a minute overage...now imagine everybody's cell phone bills going up to an 80 dollar a month minimum overnight. Somehow I don't think the added quality in service would placate the masses.
Well we have no intention of lying about her credit....unfortuanately she went through one of those credit repair companies in 2002 and even though she paid everything there are 6 entries that show unpaid, charged off...that is what she is trying to clear up. No lies, no sneakiness at all here.
Didn't we talk about CreditExpert in another thread...they have a limit as to online disputes per account.
Sears will show up in court, they will want to set up payments for items bought such as computer, furniture, appliances etc..
(Fast cash unsecured sydney) People whine and complain now about having to pay 40 bucks a month for X amount of minutes, and then the 40 cent a minute overage...now imagine everybody's cell phone bills going up to an 80 dollar a month minimum overnight. Somehow I don't think the added quality in service would placate the masses.
Well we have no intention of lying about her credit....unfortuanately she went through one of those credit repair companies in 2002 and even though she paid everything there are 6 entries that show unpaid, charged off...that is what she is trying to clear up. No lies, no sneakiness at all here.
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In other words, you will close the deal at X dollars if they install a fence by Y date.
I am a present customer of Chase, and I applied for another plat MC, and when I got the disappointing CL, I called and talked to retention, and I was told it was a computerized approval.
I tried a search for AMEX, American Express, and advantages, but I could not find anything to help.Is having an AMEX card just a status symbol, are there true benefits to having the American Express cards?Advantages?
(Ach debit mte financial phone number) After all, if you don't tell them what is going on, they have no idea why you are late.
Now, I guess the mortgage guy is going to call the appraiser this Tues.
I am a present customer of Chase, and I applied for another plat MC, and when I got the disappointing CL, I called and talked to retention, and I was told it was a computerized approval.
I tried a search for AMEX, American Express, and advantages, but I could not find anything to help.Is having an AMEX card just a status symbol, are there true benefits to having the American Express cards?Advantages?
(Ach debit mte financial phone number) After all, if you don't tell them what is going on, they have no idea why you are late.
Now, I guess the mortgage guy is going to call the appraiser this Tues.
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It's still easier to get a report from you than it is from Innovis.....LOLOLOLOL..
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.
I suggest you go find a template , and you take out the section where you site the violations and just insert the state violation.
(Heritage cash advance) As far as mortgages go, applying for the FHA almost always guarantees denial, because you can not have any unpaid collections or charge offs.
As far as finding a good buyer's agent, you may want to start by checking with some friends and see who they have used and how they felt about the experience.
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.
I suggest you go find a template , and you take out the section where you site the violations and just insert the state violation.
(Heritage cash advance) As far as mortgages go, applying for the FHA almost always guarantees denial, because you can not have any unpaid collections or charge offs.
As far as finding a good buyer's agent, you may want to start by checking with some friends and see who they have used and how they felt about the experience.
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I hope I didn't confuse you posting my TU report, but this gives you an idea of my Transunion CR.
I did an online dispute with TU regarding old addresses and a week later disputed 5 accounts via fax.
If they're not in the same folder, consider moving or copying the image files to the same folder where you're saving your HTML document.
(Paypal fees cash advance) They can't have that information blank BUT until you let them know it is blank and give them the opportunity to fix it, it will stay.
Also, I would see if they have changed the tradeline dates.......you can get them on that....
I think if I were you, I'd dispute the BankFirst TL with the remaining CRA reporting it.
I did an online dispute with TU regarding old addresses and a week later disputed 5 accounts via fax.
If they're not in the same folder, consider moving or copying the image files to the same folder where you're saving your HTML document.
(Paypal fees cash advance) They can't have that information blank BUT until you let them know it is blank and give them the opportunity to fix it, it will stay.
Also, I would see if they have changed the tradeline dates.......you can get them on that....
I think if I were you, I'd dispute the BankFirst TL with the remaining CRA reporting it.
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Sorry I didn't see this post when you made it.....and the title seems so loud too
actually hubby did and it was awfull and everyone looked at me like I did it.
Even though you're better than almost everyone, your outward image makes everyone think you're just average.
(Cashcall payday advance default) I know it goes further, Nodding, that's what I meant about the antichrist spirit and he that controls the information, controls the money, and if you're controlling the money, you're controlling everything -- whole countries at a time .
actually hubby did and it was awfull and everyone looked at me like I did it.
Even though you're better than almost everyone, your outward image makes everyone think you're just average.
(Cashcall payday advance default) I know it goes further, Nodding, that's what I meant about the antichrist spirit and he that controls the information, controls the money, and if you're controlling the money, you're controlling everything -- whole countries at a time .
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I really don't know how you could dispute it without getting the rest of the account involved...............
I don't think anything was mentioned in the article that would attract CA's - it was about "Tricks" to raise your score.
All I have checked so far is my actual FICO through myfico.com, and best I can tell it is the real FICO, not a FAKO as some of you call the others.
(Semi truck loans for bad credit) Bk, and my ONLY open account on my report, my current car payment which has a couple 30 days late.
I wish that this matter be resolved as quickly as possible by remitting payment in full, if of course the above conditions are met, and look forward to your office contacting me so that the finer details of the arrangement can be worked out.
Major U.S. companies, including such giants as IBM, Microsoft and Procter & Gamble, are leading the pack. Tens of thousands of jobs already have been shipped out, and analysts project that millions more will go in coming years.
I don't think anything was mentioned in the article that would attract CA's - it was about "Tricks" to raise your score.
All I have checked so far is my actual FICO through myfico.com, and best I can tell it is the real FICO, not a FAKO as some of you call the others.
(Semi truck loans for bad credit) Bk, and my ONLY open account on my report, my current car payment which has a couple 30 days late.
I wish that this matter be resolved as quickly as possible by remitting payment in full, if of course the above conditions are met, and look forward to your office contacting me so that the finer details of the arrangement can be worked out.
Major U.S. companies, including such giants as IBM, Microsoft and Procter & Gamble, are leading the pack. Tens of thousands of jobs already have been shipped out, and analysts project that millions more will go in coming years.
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Added Deleted Deleted6/05/2003 103 --- 0 06/06/2003 105 2 0 06/07/2003 109 4 0 06/08/2003 113 4 0 06/09/2003 116 3 0 06/10/2003 119 3 0 06/11/2003 122 3 0 06/12/2003 127 5 0 06/14/2003 128 1 2 16/15/2003 128 0 3 16/16/2003 129 1 6 0 B Date Description of B ---6/14/2003 10/02/2001 Cell Phone Account Opening 6/14/2003 02/12/2003 CD-Intersections---6/15/2003 02/20/2003 Equifax Consumer Services6/15/2003 02/25/2003 Mortgage Application 6/15/2003 03/21/2003 Equifax-Auto MTNC Update---6/16/2003 03/26/2003 Equifax-Auto MTNC Update6/16/2003 03/31/2003 Equifax Consumer Services6/16/2003 03/31/2003 Equifax Consumer Services-SP6/16/2003 04/03/2003 Equifax-Auto MTNC Update6/16/2003 04/19/2003 CD-Consumerinfo.Com6/16/2003 04/20/2003 CD-Consumerinfo.Com
Just gave me 3 more dispute reasons. Besides the fact they are not licensed in my state or even regis. as a business in TX .
Anyone have any ideas if I should do a joint complaint with me and my husband or should I do two seperate claims?
(Bad credit loans up to 8000) I recall not being able to find an address for the collections company and didn't know what else to do with it.
BTW, send the letter to the CA CRRR and, just type your name-don't give a signature.
Just gave me 3 more dispute reasons. Besides the fact they are not licensed in my state or even regis. as a business in TX .
Anyone have any ideas if I should do a joint complaint with me and my husband or should I do two seperate claims?
(Bad credit loans up to 8000) I recall not being able to find an address for the collections company and didn't know what else to do with it.
BTW, send the letter to the CA CRRR and, just type your name-don't give a signature.
loan officers tools for credit repair
But I've been working on having and keeping good credit since about 1993.
ok...so i will send a second validate to ca...then its to cra, right?
Perhaps the other dealers will tell you if they are required to sign recourse.If so, you might check your local court records under the "other dealers" names and see how often they have had to file for deficiency judgments.
(Loan officers tools for credit repair) This won't help in the short run, but it is usually just a matter of sending 1-2 letters to EQ and TU to get those deleted from those two reports.
ok...so i will send a second validate to ca...then its to cra, right?
Perhaps the other dealers will tell you if they are required to sign recourse.If so, you might check your local court records under the "other dealers" names and see how often they have had to file for deficiency judgments.
(Loan officers tools for credit repair) This won't help in the short run, but it is usually just a matter of sending 1-2 letters to EQ and TU to get those deleted from those two reports.
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Hell Iv'e even gotten letters saying "we cannot accept your documents" reffering to evidence of my attempts to verify with the furnishers of info.
That's a good idea Gib. But it may not be necessary. Keep in mind this is a Jim Walter home. They once had a very bad reputation but this is a solid built home. And, Jim Walter does their own financing and are possibly more lenient.
I'm not gonna let Capital One make me go bald with worrying.......ha ha, I don't care.......
(Bad credit installment loan) Fingerhut wrote me letters saying they have no files on me yet they keep verifying the debt....they didnt reply to my ITS....I tried 1 last ditch option this mornign which I will post about if it works....If not, I'll be immediately filing with AG & Small Claims, as I already have damages. Im far from 1 with the litigious mindset so Im not advocating the court system....
That's a good idea Gib. But it may not be necessary. Keep in mind this is a Jim Walter home. They once had a very bad reputation but this is a solid built home. And, Jim Walter does their own financing and are possibly more lenient.
I'm not gonna let Capital One make me go bald with worrying.......ha ha, I don't care.......
(Bad credit installment loan) Fingerhut wrote me letters saying they have no files on me yet they keep verifying the debt....they didnt reply to my ITS....I tried 1 last ditch option this mornign which I will post about if it works....If not, I'll be immediately filing with AG & Small Claims, as I already have damages. Im far from 1 with the litigious mindset so Im not advocating the court system....
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Like I said before, should I just wait it out since the washington mutual account goes into 7 yrs in about 3 months?
Thanks for that info Manequinne, i guess the middle score is still in effect.
Cap1 keeps sending me offers for better and better cards, but two letters from me to them via PFB has not yielded any results in either raising my credit limits or improving my terms or rate on my first card.
(Usurious moneytree washington) can someone point me in the direction of a law that says how this should be handled?
I wanted to ask a question about validation and asking creditors about
"I haven't missed any payments," said Ms. Marden, 44, a nursing home aide. "I haven't been late � ever. This doesn't make any sense." HSBC, which is acquiring the company that issued Ms. Marden's card, said it could not comment on individual customers.
I'd write back and say, thank you for your response, however it does not help me nor meet the minimum requirements of the description and information you are required to provided me within 15 days of my request pursuant to the FCRA.
Thanks for that info Manequinne, i guess the middle score is still in effect.
Cap1 keeps sending me offers for better and better cards, but two letters from me to them via PFB has not yielded any results in either raising my credit limits or improving my terms or rate on my first card.
(Usurious moneytree washington) can someone point me in the direction of a law that says how this should be handled?
I wanted to ask a question about validation and asking creditors about
"I haven't missed any payments," said Ms. Marden, 44, a nursing home aide. "I haven't been late � ever. This doesn't make any sense." HSBC, which is acquiring the company that issued Ms. Marden's card, said it could not comment on individual customers.
I'd write back and say, thank you for your response, however it does not help me nor meet the minimum requirements of the description and information you are required to provided me within 15 days of my request pursuant to the FCRA.
czwartek, 31 stycznia 2008
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Of course, me sitting in the dealership the following day...all day...staring at them didnt help their cause, lol.
When I added O/draft protection, they insisted on checking her credit as well as mine, since she has the ability to access the creditline.
I personally, would not recommend Mr.Bauer's advice on any legal matters.
(Subprime personal loan idaho) It won't be an issue, no one is going to call you and question you about it, or reject your application because of it.
If they know that they are going to lose, I'd look at it as an attempt to bluff you into dropping it.
When I added O/draft protection, they insisted on checking her credit as well as mine, since she has the ability to access the creditline.
I personally, would not recommend Mr.Bauer's advice on any legal matters.
(Subprime personal loan idaho) It won't be an issue, no one is going to call you and question you about it, or reject your application because of it.
If they know that they are going to lose, I'd look at it as an attempt to bluff you into dropping it.
app cash loan direct com
I am looking for a SUV in the 12-17 thoudsand range, not brand new , and not too much of a gas-guzzler.
It is their legal obligation to conduct the information and determine if the information is accurate - not yours.
If the underwriter comes back and says sorry, cant help you b/c of that one collection, then we are totally screwed b/c we've got a baby on the way in a month and a half!!!
(App cash loan direct com) And the company went out of business, so I finally took the page down - it served its purpose.
When we moved in it took me 6 weeks to get phone service connected because of her putting the service in her name under the lines.
It is their legal obligation to conduct the information and determine if the information is accurate - not yours.
If the underwriter comes back and says sorry, cant help you b/c of that one collection, then we are totally screwed b/c we've got a baby on the way in a month and a half!!!
(App cash loan direct com) And the company went out of business, so I finally took the page down - it served its purpose.
When we moved in it took me 6 weeks to get phone service connected because of her putting the service in her name under the lines.
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Being relatively new to the board, I would suggest you read my thread "why you should sue the CRAs and estoppel questions" That will answer how to set up the type of papertrail and damages that are needed to win any CRA/OC lawsuit, esp.
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.
I'm with you on the non-working address being illegal - I see that as deceptive practice/reporting and is noted on my lists of violations.
(Huge cash advance com) When your report gets clean, you will pretty much be able to write your own ticket.
FYI: Just received both National City and Chase secured card apps. and approval is guaranteed with both, even for post-BK'ers. Wells and B of A are not BK-friendly.
That's what Bart Womack, a command sergeant major of the elite 101st Airborne Division, asked himself as a grenade rolled past him after 1 a.m.
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.
I'm with you on the non-working address being illegal - I see that as deceptive practice/reporting and is noted on my lists of violations.
(Huge cash advance com) When your report gets clean, you will pretty much be able to write your own ticket.
FYI: Just received both National City and Chase secured card apps. and approval is guaranteed with both, even for post-BK'ers. Wells and B of A are not BK-friendly.
That's what Bart Womack, a command sergeant major of the elite 101st Airborne Division, asked himself as a grenade rolled past him after 1 a.m.
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And croft, I forgot, I have your testosterone overloaded brutus smiley for days when you don't want anyone to know you are sweet, he he he
I am going to file now, 2 years of school, 3 years working ................and maybe by then I will have my life back.
I have been learning a tremendous amount since my discovery of it this weekend.
(Personal loans in northern va) It can be embarrasing when you miss something because you have predetermined ideas about a property or market.
You can find the information on line about your judgment and see if the dates match EXACTLY, if they do not, get a certified copy and dispute it with the CRA as follows.
I dont know about the rate or how easy it is to get, but it is popular because:
What order should one apply for their cards in search of the almighty "black" etc.
I am going to file now, 2 years of school, 3 years working ................and maybe by then I will have my life back.
I have been learning a tremendous amount since my discovery of it this weekend.
(Personal loans in northern va) It can be embarrasing when you miss something because you have predetermined ideas about a property or market.
You can find the information on line about your judgment and see if the dates match EXACTLY, if they do not, get a certified copy and dispute it with the CRA as follows.
I dont know about the rate or how easy it is to get, but it is popular because:
What order should one apply for their cards in search of the almighty "black" etc.
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Now, if it has yet to be reported and the ca sends the initial collection out, and the debtor disputes the acct with the ca, then of course, the ca can not legally report it until such time as they properly validate the debt.
When I got my MBNA LOC, the tradeline showed up without any activity associated with it.
There are trees still down on the powerlines in her neighborhood, and the power co. expects that power won't be restored until Monday, at the earliest.
(Cash advance for ga residents) Also, does anyone know what "chattel" means? I don't remember where I saw it but I think it was a comment on my exp or eq report.
I don't know about 3k a month but my dh uses our card for his business.
When I got my MBNA LOC, the tradeline showed up without any activity associated with it.
There are trees still down on the powerlines in her neighborhood, and the power co. expects that power won't be restored until Monday, at the earliest.
(Cash advance for ga residents) Also, does anyone know what "chattel" means? I don't remember where I saw it but I think it was a comment on my exp or eq report.
I don't know about 3k a month but my dh uses our card for his business.
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Risk Management is hooked up with Equifax, and they always 'verify'..please.........they are just as bad....
He said all the stuff that shows up on my report show up on his because of our name differences.
I've dug deeper into another acct that was showing BK as well, but they've changed it into a charge off ....which I'm sure is worse than a BK notation/with a $0 bal?
(Moneytree cams) Ok, then how about "deletion-for-not-suing"? Read the section on false or deceptive practices....
I applied for BOFA and was denied. Sent in a reconsideration letter and haven't heard anything. I pull PG just now and boom, Bank of America is reporting with a $3500 credit limit.
This is an account I made my first mistake with, I disputed that I made a late payment.
He said all the stuff that shows up on my report show up on his because of our name differences.
I've dug deeper into another acct that was showing BK as well, but they've changed it into a charge off ....which I'm sure is worse than a BK notation/with a $0 bal?
(Moneytree cams) Ok, then how about "deletion-for-not-suing"? Read the section on false or deceptive practices....
I applied for BOFA and was denied. Sent in a reconsideration letter and haven't heard anything. I pull PG just now and boom, Bank of America is reporting with a $3500 credit limit.
This is an account I made my first mistake with, I disputed that I made a late payment.
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Unpaid taxes, fines, alimony, or tort claims, because they are not debts incurred from a "transportation property
sent off a DV letter to a CA that was on my report, disputed through TU as not mine.
If it is a medical collection and you get it taken away then your score will recover after that.
(Adverse credit personal loans) OMG, just pulled EQ...my BK is gone..but get this...honestly, my score dropped 25 points!??!
VA doe snot have a specific hard and fast answer on this. Much depends on the reason for the BK.
Usually when YOU apply directly with a lender and are turned down then the dealer CANNOT get the same lender to approve you, SINCE THEY HAVE ALREADY DECLINED your loan app.
sent off a DV letter to a CA that was on my report, disputed through TU as not mine.
If it is a medical collection and you get it taken away then your score will recover after that.
(Adverse credit personal loans) OMG, just pulled EQ...my BK is gone..but get this...honestly, my score dropped 25 points!??!
VA doe snot have a specific hard and fast answer on this. Much depends on the reason for the BK.
Usually when YOU apply directly with a lender and are turned down then the dealer CANNOT get the same lender to approve you, SINCE THEY HAVE ALREADY DECLINED your loan app.
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Oh and marc, it seems that 1 notice of dispute is enough but I suppose multiple notices show wilfullness!
I imagine it's possible, but before I'll apply for anything from now on, I will pull my FICO instead of relying on my FAKO. I had a 727 FAKO on PG, so I applied for a Chase card a while back. Denied. Come to find out, my FICO was only a 696 at the time. Cards aren't strictly scoredriven, but in my case, 31 'might' have made a difference.
Great marketing idea but the benifit to most borrowers is noth there.
(Direct advance lenders) If you tell them "no contact at all," the only thing they can do to attempt to collect is sue you.
$8,500 is a LOT of money to CASH a check and give out CASH for it - especially to a non-depositor.
I imagine it's possible, but before I'll apply for anything from now on, I will pull my FICO instead of relying on my FAKO. I had a 727 FAKO on PG, so I applied for a Chase card a while back. Denied. Come to find out, my FICO was only a 696 at the time. Cards aren't strictly scoredriven, but in my case, 31 'might' have made a difference.
Great marketing idea but the benifit to most borrowers is noth there.
(Direct advance lenders) If you tell them "no contact at all," the only thing they can do to attempt to collect is sue you.
$8,500 is a LOT of money to CASH a check and give out CASH for it - especially to a non-depositor.
child daycare payment receipts
And, yes, i rarely see her give good credit advice, definitely nothing like you'll find here.
No, the rejection will not have a negative affect on your credit.....it is already on your report
Its funny when you panic and dont remember to do the stuff you should!
(Child daycare payment receipts) In short, since FCRA and FDCPA are federal law, can complaints be heard in small claims courts or is a motion to dismiss or motion to change venue to federal court based on jurisdiction always valid?
No, the rejection will not have a negative affect on your credit.....it is already on your report
Its funny when you panic and dont remember to do the stuff you should!
(Child daycare payment receipts) In short, since FCRA and FDCPA are federal law, can complaints be heard in small claims courts or is a motion to dismiss or motion to change venue to federal court based on jurisdiction always valid?
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Collecting any amount not authorized by law or by the agreement between consumer and creditor.
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.
One thing I will tell you now. Since I have been moderator . I have also refrained, except where required for TOS reasons, to edit any posts.
(Cannot get approved for a cash advance) I am so jealous you guys! We have been through literal hell just getting financed. We have been trying since Sept, when we found our dream house. Credit scores up and down, contract on the house expiring over and over again, getting laid off, other buyers interested in the house, loan denials...... :cry:
Midland claims to consumer only has 30 days to request validation or we lose all right to request validation later
From http://www.aimloans.com/wholesale/fraWelco...ccessCode=guest &page=main&LoanID=
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.
One thing I will tell you now. Since I have been moderator . I have also refrained, except where required for TOS reasons, to edit any posts.
(Cannot get approved for a cash advance) I am so jealous you guys! We have been through literal hell just getting financed. We have been trying since Sept, when we found our dream house. Credit scores up and down, contract on the house expiring over and over again, getting laid off, other buyers interested in the house, loan denials...... :cry:
Midland claims to consumer only has 30 days to request validation or we lose all right to request validation later
From http://www.aimloans.com/wholesale/fraWelco...ccessCode=guest &page=main&LoanID=
horrible credit personal loan
For a borrower looking to end an auto loan early, there isn't a worse way a lender could calculate your payoff amount. Using the "Rule of 78s" method, your lender applies more of your previous payments toward interest and less of your previous payments toward principal.
They sent a print out of their computer screen. It was a phonne bill, long distance, from a carrier I never heard of.
Seems like this would raise a red flag somewhere and I don't want her to end up in more trouble than she's alreay in.
(Horrible credit personal loan) Equifax showed 651. It was around 595 around 6/1/03
They sent a print out of their computer screen. It was a phonne bill, long distance, from a carrier I never heard of.
Seems like this would raise a red flag somewhere and I don't want her to end up in more trouble than she's alreay in.
(Horrible credit personal loan) Equifax showed 651. It was around 595 around 6/1/03
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I made the lists! Yippeeee!!
Funny thing is I purchased a 97 Rally Sport Camaro w/them and paid it off in 1998. 12.25% total purchase 28K w/ $10K DP.
Excellent news, Ginger!! We're all happy for U!! We'll be here to help you with the rest of the credit stuff, you'll be great in no time!
(Consolidate personal school loans) Congratulations on your success so far!!!
maybe im just wayyyyy off base here. Not at all.
I sent a letter of complaint to the BBB in their corporate office area that then referred it...to California.
Funny thing is I purchased a 97 Rally Sport Camaro w/them and paid it off in 1998. 12.25% total purchase 28K w/ $10K DP.
Excellent news, Ginger!! We're all happy for U!! We'll be here to help you with the rest of the credit stuff, you'll be great in no time!
(Consolidate personal school loans) Congratulations on your success so far!!!
maybe im just wayyyyy off base here. Not at all.
I sent a letter of complaint to the BBB in their corporate office area that then referred it...to California.
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I wish I could have a case, but I don't have any proof that they said that. They also threatened to file papers the NEXT DAY if I didn't pay them by 3:00 pm. I sent them a validation letter, but they said that since I sent it outside of the initial 30 day notice period, that they didn't have to validate. I just want to get them off my back at this point
Looking for some furniture and need them to pull eq. Checked the sites, but found no info.
What does your BIZ platinum say you can go up to?
(Cis loan reviewers florida) 5) My credit history is 15 years
You should start writing to FUSA to build a paper trail. Upon receiving your FIRST response from them, file a formal complaint with the OCC. In your letter to the OCC be sure to state you are filing a formal complaint. Include a copy of how your FUSA is reporting on at least one CR and also a copy of FUSA's response to your attempt to correct the reporting problem. Keep replying to FUSA's non-responses and send a copy of each of their responses to the OCC citing your case number. Also consider sending a letter with above documentation to the office of the judge who ordered the discharge of your debt.
So we checked his scores..They are very low, like 600ish. SO! Buyer beware of what looks like a great deal. In the end it can screw you.
I don't know whether to be mad or not, but from what everyone's saying, I probably should be mad...guess it's soon time to shoot a letter off to the lender...
Looking for some furniture and need them to pull eq. Checked the sites, but found no info.
What does your BIZ platinum say you can go up to?
(Cis loan reviewers florida) 5) My credit history is 15 years
You should start writing to FUSA to build a paper trail. Upon receiving your FIRST response from them, file a formal complaint with the OCC. In your letter to the OCC be sure to state you are filing a formal complaint. Include a copy of how your FUSA is reporting on at least one CR and also a copy of FUSA's response to your attempt to correct the reporting problem. Keep replying to FUSA's non-responses and send a copy of each of their responses to the OCC citing your case number. Also consider sending a letter with above documentation to the office of the judge who ordered the discharge of your debt.
So we checked his scores..They are very low, like 600ish. SO! Buyer beware of what looks like a great deal. In the end it can screw you.
I don't know whether to be mad or not, but from what everyone's saying, I probably should be mad...guess it's soon time to shoot a letter off to the lender...
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