If you are planning on applying for a mortgage...[][/sizDO NOT APPLY FOR ANY OTHER TYPE OF CREDIT PERIOD
DH is down there seeing if he can issue a "CREDIT" instead of voiding for the $258 and just let us pay cash tomorrow when it's fixed.
I just wanted to say thanks to all of you for giving me the courage to face the fears of dealing with the CRA'S!!!
(Eloan bad credit review) Now, RMA has picked up the account and has ILLEGALLY RE-AGED the account by 6 months, changing the DOLA to 12/96!!
poniedziałek, 4 lutego 2008
get a 5000 dollars loan overnight
Since MW is closed , you can no longer charge anything on the card and they cannot change your finance terms.
I'm trying to refinance the largest one so I can buy myself some time but I've recently had the problem that a few months ago when I've tried to refinance the lenders have posted hard inquiries on my credit reports.
Please post what they say in reference to the "previously investigated" subject. There have been alot of threads about it but no lawsuits completed in reference to it.
(Get a 5000 dollars loan overnight) 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
I'm trying to refinance the largest one so I can buy myself some time but I've recently had the problem that a few months ago when I've tried to refinance the lenders have posted hard inquiries on my credit reports.
Please post what they say in reference to the "previously investigated" subject. There have been alot of threads about it but no lawsuits completed in reference to it.
(Get a 5000 dollars loan overnight) 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
the loanshoponline
I am unable to provide documentation showing a date of separation because I was not married to the patient� at the time of service.
I am surprised to hear of all the anti-war demonstrations in the West.
Actually yes the CRA does have to delete, however they may not realize that.
(The loanshoponline) Feel free to join in the discussion It s a great place to find answers to your questions, support with your problems and general friendly discussion.
This guy, trent at CNet, got a signed letter from the clerk saying they don't "certify information as accurate" in response to a reinsertion notification by TU nor do the "verify" information in response to a dispute. He requested the procedures for verification and received the generic and usual name of the court and address.
I am surprised to hear of all the anti-war demonstrations in the West.
Actually yes the CRA does have to delete, however they may not realize that.
(The loanshoponline) Feel free to join in the discussion It s a great place to find answers to your questions, support with your problems and general friendly discussion.
This guy, trent at CNet, got a signed letter from the clerk saying they don't "certify information as accurate" in response to a reinsertion notification by TU nor do the "verify" information in response to a dispute. He requested the procedures for verification and received the generic and usual name of the court and address.
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Ypu can, of course, still refile CH7 and get the judgment released that way.
Maybe so you don't get a 1099 for interest at the end of the year. Less of a paper trail. I doubt any money actually exchanges hands from "affiliate" to "bank of our choice". If you earned interest, they would have to 1099 you, wouldn't they? They probably can't as I doubt the bank accounts that are the security for the "loans" are genuine. Probably paying the 1% as a fee for fraudulant reporting of a virtual loan. But , I could be wrong. This reminds me of the Bill B trick for improving scores.
After 9 months, we ended up filing anyway, and could have used that 9 month period of money for other things. We are 17months discharged from our Bk, almost lost our home to foreclosure, but have been able to start rebuilding credit. My husband Equifax is at 677, his Experian at 725.
(Fastlink mortgages loans uk) However, if there are accts reporting as included in bk, I would dispute those first, then dispute the public record.
Needless to say, if he does the interview, they will a cr and see it all, lol.
Often a builder has to raise the prices of the houses he is allowed to build to compensate for the loss of land he thought he could use. Depending on your location, municipal and state permit fees can often add several thousand dollars to the price of each lot.
Maybe so you don't get a 1099 for interest at the end of the year. Less of a paper trail. I doubt any money actually exchanges hands from "affiliate" to "bank of our choice". If you earned interest, they would have to 1099 you, wouldn't they? They probably can't as I doubt the bank accounts that are the security for the "loans" are genuine. Probably paying the 1% as a fee for fraudulant reporting of a virtual loan. But , I could be wrong. This reminds me of the Bill B trick for improving scores.
After 9 months, we ended up filing anyway, and could have used that 9 month period of money for other things. We are 17months discharged from our Bk, almost lost our home to foreclosure, but have been able to start rebuilding credit. My husband Equifax is at 677, his Experian at 725.
(Fastlink mortgages loans uk) However, if there are accts reporting as included in bk, I would dispute those first, then dispute the public record.
Needless to say, if he does the interview, they will a cr and see it all, lol.
Often a builder has to raise the prices of the houses he is allowed to build to compensate for the loss of land he thought he could use. Depending on your location, municipal and state permit fees can often add several thousand dollars to the price of each lot.
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For reference, I'm 27 and will probably work for the rest of my life .
I am pretty new to the real estate thing...havent had to deal with selling a home yet, as we didnt own one when we bought last year.
Slots Mark!!!???, I hit a couple of mini jackpots for $2000 at Caesars Palace, $1600 at Venetian, and $900 at Riviera my first night there, and within 1 hr.
(Cash till pay day uk only) After all, if you don't tell them what is going on, they have no idea why you are late.
Then send that letter to each of the three CRA's and have them update your account. You will have to go through a number of reps but you will eventually get to a manager who will help you. This is exactly waht I did a few months back and was able to get my nortgage. Make sure your letter from the cc company has all the information listed above or it will not be accepted. You could use the letter for a repid rescore as well.
I am pretty new to the real estate thing...havent had to deal with selling a home yet, as we didnt own one when we bought last year.
Slots Mark!!!???, I hit a couple of mini jackpots for $2000 at Caesars Palace, $1600 at Venetian, and $900 at Riviera my first night there, and within 1 hr.
(Cash till pay day uk only) After all, if you don't tell them what is going on, they have no idea why you are late.
Then send that letter to each of the three CRA's and have them update your account. You will have to go through a number of reps but you will eventually get to a manager who will help you. This is exactly waht I did a few months back and was able to get my nortgage. Make sure your letter from the cc company has all the information listed above or it will not be accepted. You could use the letter for a repid rescore as well.
niedziela, 3 lutego 2008
mortgage loan with a 635 credit score
It was so bad when we worked there that we weren't allowed to use our phones to call ext.
Other health-care competitors are exploiting new technology before the heavy competition moves in.
Took about 6 weeks of calling and writing to get it removed but it's gone.
(Mortgage loan with a 635 credit score) A shame, that is, when a person volunteers to defend our country, and
I am glad that we are presented with the opportunity to make these decisions, though...for that I am grateful!!
I went to a dealer...brought my reports in and specified I didnt want an inquiry done.
I had your same situation and kept trying and applying for different cards hoping I might get lucky. No dice. In fact, my score just kept going lower with every inquiry. The best thing for you to do is dispute and dispute and wait. Note that your score will go down initially after you remove some of these items. But, you will better off in the long run.
I have had it with Citibank and EX!!! I have an account which came off my report in 6/02 . I sent a verification letter, 30 day follow up, and 60 day follow up with NO answer. I sent all these letter w/ the CMRR slips to EX. NO answer. I caller EX who said they would remove it. All they did was re-investigate and Citibank verified it again! I am going in circles here. What is the next step?
Other health-care competitors are exploiting new technology before the heavy competition moves in.
Took about 6 weeks of calling and writing to get it removed but it's gone.
(Mortgage loan with a 635 credit score) A shame, that is, when a person volunteers to defend our country, and
I am glad that we are presented with the opportunity to make these decisions, though...for that I am grateful!!
I went to a dealer...brought my reports in and specified I didnt want an inquiry done.
I had your same situation and kept trying and applying for different cards hoping I might get lucky. No dice. In fact, my score just kept going lower with every inquiry. The best thing for you to do is dispute and dispute and wait. Note that your score will go down initially after you remove some of these items. But, you will better off in the long run.
I have had it with Citibank and EX!!! I have an account which came off my report in 6/02 . I sent a verification letter, 30 day follow up, and 60 day follow up with NO answer. I sent all these letter w/ the CMRR slips to EX. NO answer. I caller EX who said they would remove it. All they did was re-investigate and Citibank verified it again! I am going in circles here. What is the next step?
unitedcash loans complaints
Not BECAUSE of the BK, but because of my idiotic self continuing the bad payment history AFTER the BK.
What would happen if you called CCB and asked them to work with you on a settlement, if they'll agree to withdraw the file from the CA's?
Those the best issues to file a FDCPA lawsuit over. Because they are not going to go to the mat to fight you. They will be desperate to settle that case out of court and pay you $1000 as fast as possible. Their accountant is saying, "Why on earth are we paying a lawyer $5,000 to fight a case over a $250 debt?"
(Unitedcash loans complaints) I've had a CC with them since 1999 and each month has always been paid in full - never carried a balance, and feel my limit is pretty low.
2. Drastically increase credit limits on 2 of my current partially secured cc's. Keeping utilization between 0% and 30%
In order to break even, you would need to rent the combined property for $1000 per month.
I don't want to give misinformation so it's better to get it from the source.
What would happen if you called CCB and asked them to work with you on a settlement, if they'll agree to withdraw the file from the CA's?
Those the best issues to file a FDCPA lawsuit over. Because they are not going to go to the mat to fight you. They will be desperate to settle that case out of court and pay you $1000 as fast as possible. Their accountant is saying, "Why on earth are we paying a lawyer $5,000 to fight a case over a $250 debt?"
(Unitedcash loans complaints) I've had a CC with them since 1999 and each month has always been paid in full - never carried a balance, and feel my limit is pretty low.
2. Drastically increase credit limits on 2 of my current partially secured cc's. Keeping utilization between 0% and 30%
In order to break even, you would need to rent the combined property for $1000 per month.
I don't want to give misinformation so it's better to get it from the source.
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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?
When I put in my home zip code, located in the oldest suburb of Los Angeles, where winding streets lead to charming early 20th century bungalows nestled in the hills, it comes up with "Neighborhood Type -Inner City"
MBNA has refused to remove three 30-day late pays in the past 29 months and one 60-day.
(Unsecured credit with checking account) I am a newbie, so please forgive if this has been discussed previously.
When I put in my home zip code, located in the oldest suburb of Los Angeles, where winding streets lead to charming early 20th century bungalows nestled in the hills, it comes up with "Neighborhood Type -Inner City"
MBNA has refused to remove three 30-day late pays in the past 29 months and one 60-day.
(Unsecured credit with checking account) I am a newbie, so please forgive if this has been discussed previously.
sjm marketing
The SOL for NJ is 6 years was reporting the same account all over again and experian has a date of deletion posted as 2009!
Also, I didn't even realize there was an annual fee of $59 until I got the first statement. I don't like paying annual fees unless they're tied to a rewards program of some kind. At least my Chevron card doesn't have an annual fee!
On the bk7 paperwork, if I dispute a certain amount of claims, will the trustee request another meeting after the dispute has been resolved?
(Sjm marketing) Glad to have you back! Can you do something about Degafan? She won't stop talking about that icky canned meat. hehehehe
Also send a copy of the envelope it came in, lest the CRA respond with
I've gotten 4 deletions in the past month by disputing the date of delinquency/late payments with Experian......
Also, I didn't even realize there was an annual fee of $59 until I got the first statement. I don't like paying annual fees unless they're tied to a rewards program of some kind. At least my Chevron card doesn't have an annual fee!
On the bk7 paperwork, if I dispute a certain amount of claims, will the trustee request another meeting after the dispute has been resolved?
(Sjm marketing) Glad to have you back! Can you do something about Degafan? She won't stop talking about that icky canned meat. hehehehe
Also send a copy of the envelope it came in, lest the CRA respond with
I've gotten 4 deletions in the past month by disputing the date of delinquency/late payments with Experian......
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I happened to glance on his desk and my file was open...showing a new credit report.
When a debt is disputed under either mechanism, a notation must be entered on the debtor's report showing the item as in dispute. Again, this was not done and is a further violation of the FCRA.
he may argue that this is not "collection activity" as it is applied to all accounts, with no exception.
(Quicken loans secure advantage scam) I sent a dispute to Transunoin asking them to verify with Fleet Card Services and add the Fleet Card to my report.
Kinda cute he was trying to shake his butt and get his honky-tonk on in plastic flip-flops, LOL.
When a debt is disputed under either mechanism, a notation must be entered on the debtor's report showing the item as in dispute. Again, this was not done and is a further violation of the FCRA.
he may argue that this is not "collection activity" as it is applied to all accounts, with no exception.
(Quicken loans secure advantage scam) I sent a dispute to Transunoin asking them to verify with Fleet Card Services and add the Fleet Card to my report.
Kinda cute he was trying to shake his butt and get his honky-tonk on in plastic flip-flops, LOL.
non telecheck bank
I let DH persuade me to buy it instead of the nice, small Cavalier or Mustang that I wanted.
Actually, if I'm remembering right Texas has bang-up provisions for small claims and consumers.
like i said maybe on military service becasue i believe we should do a program like germany.
(Non telecheck bank) Of course conditions are that we send in the last collection deletion verification, hubby's divorce decree, and some CCCS paperwork back from '98 and we're totally set!!!
Anyway, I've always thought to myself, I might spend money on a credit repair firm...after I've done everything I could myself.
Actually, if I'm remembering right Texas has bang-up provisions for small claims and consumers.
like i said maybe on military service becasue i believe we should do a program like germany.
(Non telecheck bank) Of course conditions are that we send in the last collection deletion verification, hubby's divorce decree, and some CCCS paperwork back from '98 and we're totally set!!!
Anyway, I've always thought to myself, I might spend money on a credit repair firm...after I've done everything I could myself.
sobota, 2 lutego 2008
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..and discussed if it was true that for all datasets, multiple precision calculations will introduce computational inaccuracies, and will produce results which differ slightly from these certified values.
It's my understanding that even though these letters are being sent, they are still conducting the investigations, wait for the 30 days to expire and send them a follow up letter requesting deletion. No need to do any more then that.
That is exactly how mine looks. I have like 27 in the past 2 years on EX, and 1 each on TU and EQ.
(Americash advance centers) Cash plus deletion... doesn't get much better. Well, besides not being on there in the first place.
All of the interest rates match, What CCCS said I would be charged and what the creditors are charging me.
I have been reading the TN Consumer sight - but haven't come across anything yet.
It's my understanding that even though these letters are being sent, they are still conducting the investigations, wait for the 30 days to expire and send them a follow up letter requesting deletion. No need to do any more then that.
That is exactly how mine looks. I have like 27 in the past 2 years on EX, and 1 each on TU and EQ.
(Americash advance centers) Cash plus deletion... doesn't get much better. Well, besides not being on there in the first place.
All of the interest rates match, What CCCS said I would be charged and what the creditors are charging me.
I have been reading the TN Consumer sight - but haven't come across anything yet.
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They have a newer computer system and it appears to be immune to bumpage.
I believe most of the time the mortgage lender will then use the middle of those 3 FICOs to evaluate you.
I had to call USAA for reconsideration...the guy gave me 2k like "it's ALL I can give you".
(Cash advance chambersburg pa) I'm trying with this one got it under 650 then annual fee's came but I'm working on it.
But they all seem to cooperate just fine when it comes time to set prices.
After a creditor wins a lawsuit against a debtor and is awarded a judgement by the court, there is a time limit for collecting that judgement. However, many states allow judgements to be renewed one or more times, which could substantially extend the enforceability of a judgement, if the creditor is vigilant about the renewals. This can potentially result in a permanent legal obligation until it is paid.
charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification."
I believe most of the time the mortgage lender will then use the middle of those 3 FICOs to evaluate you.
I had to call USAA for reconsideration...the guy gave me 2k like "it's ALL I can give you".
(Cash advance chambersburg pa) I'm trying with this one got it under 650 then annual fee's came but I'm working on it.
But they all seem to cooperate just fine when it comes time to set prices.
After a creditor wins a lawsuit against a debtor and is awarded a judgement by the court, there is a time limit for collecting that judgement. However, many states allow judgements to be renewed one or more times, which could substantially extend the enforceability of a judgement, if the creditor is vigilant about the renewals. This can potentially result in a permanent legal obligation until it is paid.
charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification."
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TrueLink Inc., San Luis Obispo, CA, does business through the Web sites www.truecredit.com and www.freecreditprofile.com.
He is now in the process of striking back and litigation should soon follow but I wanted to warn all of you of the big online websites.
If you are looking for a lawsuit template to go after them, here is a recent one that I did.
(Cash advance sent western union) I guess the real question is, how long is the window between applying and when we can actually make an offer?
He is now in the process of striking back and litigation should soon follow but I wanted to warn all of you of the big online websites.
If you are looking for a lawsuit template to go after them, here is a recent one that I did.
(Cash advance sent western union) I guess the real question is, how long is the window between applying and when we can actually make an offer?
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I know if its asking for an access code just call up customer service and they'll ask you identity verifying questions and then tell you your code.
I've paid NCO nearly $1500 so far because apparently my debt consolidation place wasn't keeping on top of the balances owed .
"Certainly this is an issue that I and other pro-consumer members of Congress are raising."
(Bad credit auto loans in green bay wi) TranSouth is the original Creditor who I had a great history with until a situation that occured a couple of months ago. I am not walking walking out of that office without some sort of documentation from them - I will assure you of that!
If a Lebanese Loop is in position and your card gets stuck don�t just walk away and leave it.
I've paid NCO nearly $1500 so far because apparently my debt consolidation place wasn't keeping on top of the balances owed .
"Certainly this is an issue that I and other pro-consumer members of Congress are raising."
(Bad credit auto loans in green bay wi) TranSouth is the original Creditor who I had a great history with until a situation that occured a couple of months ago. I am not walking walking out of that office without some sort of documentation from them - I will assure you of that!
If a Lebanese Loop is in position and your card gets stuck don�t just walk away and leave it.
piątek, 1 lutego 2008
cash loan up 5000
I recieved spreadsheets, analysis, cost break downs, and articles emailed to me twice a day for a week because this gentleman was so afraid of not getting the best deal out there!
If the doctor was a participating physician with your insurance carrier, then in most cases they SHOULD NOT be billing you for the balance. I reccommend that you contact your insurance carrier and see if the doctor is allowed to bill balance you.
I know it is up to you, but if you are gonna do two, why not do all three?, that way you will be getting all three of them out the way at one time.
(Cash loan up 5000) Cit along with a couple of co-workers and deposit it about that time.
You and your loved ones give us the freedom to even have this discussion.
Online is great because you recieve e-mail confirmations from each CRA that they got your dispute.
Also, and more arguably more importantly, see if you can get some of those fees gone. At one point it seemed like $600 was added, though it wasn't clear if that was a fee or if they were just calling in a big part of the principal or something.
Many building sites fail to make the cut during the long approval process demanded by municipalities and state and local governments.
If the doctor was a participating physician with your insurance carrier, then in most cases they SHOULD NOT be billing you for the balance. I reccommend that you contact your insurance carrier and see if the doctor is allowed to bill balance you.
I know it is up to you, but if you are gonna do two, why not do all three?, that way you will be getting all three of them out the way at one time.
(Cash loan up 5000) Cit along with a couple of co-workers and deposit it about that time.
You and your loved ones give us the freedom to even have this discussion.
Online is great because you recieve e-mail confirmations from each CRA that they got your dispute.
Also, and more arguably more importantly, see if you can get some of those fees gone. At one point it seemed like $600 was added, though it wasn't clear if that was a fee or if they were just calling in a big part of the principal or something.
Many building sites fail to make the cut during the long approval process demanded by municipalities and state and local governments.
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Interesting that the CSR told you it only updates every 30 days - I had one tell me the same thing - and yet certain things change whenever there is activity... definitely the INQs are updated on a daily basis.
I have MANY collections that have been deleted and I am scared to have them pop up again.
CA wants a copy of CR w/all other TLs blacked out and a copy of all letters sent to CA.
(Payday loans without bank account) On the report it says "Collection Reported" so I'm assuming it's a collection account.
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.
I have MANY collections that have been deleted and I am scared to have them pop up again.
CA wants a copy of CR w/all other TLs blacked out and a copy of all letters sent to CA.
(Payday loans without bank account) On the report it says "Collection Reported" so I'm assuming it's a collection account.
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.
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I have done some research already and know what courses I need to take to qualify.
I have also sent a validation request to the CA that they should have recieved today?
Such validation is to include a complete accounting of all charges, credits, interest charges and fees, as well as a copy of any and all signed agreements and terms governing this account.
(Instant cash without cheque book in uk) Fire off another letter thanking them for their prompt response, but since they obviously reported the account in error, seeing as they can't find you now, that they must delete. Inform them that you make it a practice to never give out your personal information that they're requesting, and that if they can't validate it, please send you a letter verifying that they'll be deleting it within the next 10 days. Also mention that since you have NO idea what this alleged debt is for, you can't provide them any information as to the original creditor or account number.
I dont know if that is illegal but this practice had done it that way for a long time.
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.
OC's don't have to validate....and, the accounts are paid, I would hate for them to update your report to say 'Paid chargeoff'.
I have also sent a validation request to the CA that they should have recieved today?
Such validation is to include a complete accounting of all charges, credits, interest charges and fees, as well as a copy of any and all signed agreements and terms governing this account.
(Instant cash without cheque book in uk) Fire off another letter thanking them for their prompt response, but since they obviously reported the account in error, seeing as they can't find you now, that they must delete. Inform them that you make it a practice to never give out your personal information that they're requesting, and that if they can't validate it, please send you a letter verifying that they'll be deleting it within the next 10 days. Also mention that since you have NO idea what this alleged debt is for, you can't provide them any information as to the original creditor or account number.
I dont know if that is illegal but this practice had done it that way for a long time.
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.
OC's don't have to validate....and, the accounts are paid, I would hate for them to update your report to say 'Paid chargeoff'.
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At Efx website, if you click on the start dispute, and then enter your confirmation # as the report #, it will show that you have a dispute in progress and what the anticipated finish date is.
I sent both registered agents the FTC Opinon letter that reporting information was in and of itself collection activity.
The other 2 should have been reasonably accurate, meaning within 50 pts.
(Personal loan without job) I am surprised they let me go that long because usually they wipe my softs out early but I did lose 14 which is quite nice.
I got a secured card from American Pacific and all three scores shot up over 700!
Why isnt the person who admited the step-daughter taking responsibility for this debt?
I sent both registered agents the FTC Opinon letter that reporting information was in and of itself collection activity.
The other 2 should have been reasonably accurate, meaning within 50 pts.
(Personal loan without job) I am surprised they let me go that long because usually they wipe my softs out early but I did lose 14 which is quite nice.
I got a secured card from American Pacific and all three scores shot up over 700!
Why isnt the person who admited the step-daughter taking responsibility for this debt?
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I never thought I would see the day. APPROVED for GOLD. WOW! EXP = 660.... 1 Paid Collection....4 recent Inqs
I like them also, and beginning to like them more and more each day! Everytime I call, they are very nice.
I have been of no help in this post, but at least I can say 'HI' to you and your lovely wife.
(Forum offer bad cedit personal loan) I pulled TU from their website. I think you just log in, then look for a link where you can "buy new report" or something to that effect. So if you've already put all your info in, you wont have to re-enter it. But I'm a newbie, and dont have experience with the other websites other than TU. Hope that helps guide you somewhat.
I shot off a letter to equifax last night.....saying it is reprting wrong- never charged off- lets see if that works.......hopefully worse case sceniero- it will go back to IIBK and I will just hold for the next 15 months..
Second, and I'll try to keep this short, I've had items deleted from my reports. The only negative item reporting is Crapone. I have a loan with Roadloans with a HIGH apr and two secured cards. The car loan is 8 months old, Orchard 6 months, and B of A 2 months. I would like to refinance the loan but cannot afford anymore inquiries. What can I do?
I like them also, and beginning to like them more and more each day! Everytime I call, they are very nice.
I have been of no help in this post, but at least I can say 'HI' to you and your lovely wife.
(Forum offer bad cedit personal loan) I pulled TU from their website. I think you just log in, then look for a link where you can "buy new report" or something to that effect. So if you've already put all your info in, you wont have to re-enter it. But I'm a newbie, and dont have experience with the other websites other than TU. Hope that helps guide you somewhat.
I shot off a letter to equifax last night.....saying it is reprting wrong- never charged off- lets see if that works.......hopefully worse case sceniero- it will go back to IIBK and I will just hold for the next 15 months..
Second, and I'll try to keep this short, I've had items deleted from my reports. The only negative item reporting is Crapone. I have a loan with Roadloans with a HIGH apr and two secured cards. The car loan is 8 months old, Orchard 6 months, and B of A 2 months. I would like to refinance the loan but cannot afford anymore inquiries. What can I do?
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As long as I have acceptable identification, would I have been within my rights to refuse to give them my SS# and occupation?
If you have any reasons to believe that the fee charged by a credit repair company was too high, and or it's services were misrepresented, please let us know if would like your situtation to be referred for investigation by filling out the form below bla bla...
First Tennessee...opened 2000...status="open/current, was past due 60days"...60 days as of 9-2002, 30days as of 8-2002, 11-2001, 4-2001...high balance 844, limit 500...paid this off yet it is not reflected on report
(Netspend cash loans) The few times lately when I haven't had a fax number, I've sent ltrs by CRRR.
and Chase.That that was pretty darn nifty - might even use the card for a tank of gas now.
I sent my ITS last Thursday and assume they will fold relatively soon or I will be heading to court.
If you have any reasons to believe that the fee charged by a credit repair company was too high, and or it's services were misrepresented, please let us know if would like your situtation to be referred for investigation by filling out the form below bla bla...
First Tennessee...opened 2000...status="open/current, was past due 60days"...60 days as of 9-2002, 30days as of 8-2002, 11-2001, 4-2001...high balance 844, limit 500...paid this off yet it is not reflected on report
(Netspend cash loans) The few times lately when I haven't had a fax number, I've sent ltrs by CRRR.
and Chase.That that was pretty darn nifty - might even use the card for a tank of gas now.
I sent my ITS last Thursday and assume they will fold relatively soon or I will be heading to court.
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Looking for some furniture and need them to pull eq. Checked the sites, but found no info.
Can they put an end to it and say 'no more disputing, we've already verified this'.
Someone paid for a medical test using my insurance card, and then never paid the co-payment .
(Same day cash advance) Then of course, you sell the house, or get a tenant/buyer at full market value with a downpayment large enough to get most of your investment back.
Oh, in case you thought appraisals meant something, I negoitiated a house where the seller had a recent appraisal valuing his house for 180K.
Radi8 gave a good answer, but I have always heard that creditors are very unlikely to work with you if the account is current.
I think he was referring to the FICO difference between his Equifax and Experian reports.....
I decided to start with my TU report that indicates a Tax Lien from August 1993.
Can they put an end to it and say 'no more disputing, we've already verified this'.
Someone paid for a medical test using my insurance card, and then never paid the co-payment .
(Same day cash advance) Then of course, you sell the house, or get a tenant/buyer at full market value with a downpayment large enough to get most of your investment back.
Oh, in case you thought appraisals meant something, I negoitiated a house where the seller had a recent appraisal valuing his house for 180K.
Radi8 gave a good answer, but I have always heard that creditors are very unlikely to work with you if the account is current.
I think he was referring to the FICO difference between his Equifax and Experian reports.....
I decided to start with my TU report that indicates a Tax Lien from August 1993.
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Not only did we never receive a modem from you, but we had no internet service at all for 6 months!
My advice - see when the original delinquency was, and if you are anywhere close to seven years - dispute.
BUT... we know that we have a VERY good deal. We will have probably close to $30,000 in instant equity in this place. Being our first home, we know this will set us up very nicely for our next home.
(Online loans bad credit) Proof of residence is considered some mail that you recieve at your principle place of residence. Normally accepted is utility bill, bank statement, insurance bill etc. YOU WILL HAVE TO PROVE you live where you say on the application. As far as filling out the application I recommend you simply check the box that says "other" and stipulate lives with fiance. In the monthly housing amount section of the application I would recommend you wite some figure in excess of $100.00. DO NOT WRITE 0.00
My advice - see when the original delinquency was, and if you are anywhere close to seven years - dispute.
BUT... we know that we have a VERY good deal. We will have probably close to $30,000 in instant equity in this place. Being our first home, we know this will set us up very nicely for our next home.
(Online loans bad credit) Proof of residence is considered some mail that you recieve at your principle place of residence. Normally accepted is utility bill, bank statement, insurance bill etc. YOU WILL HAVE TO PROVE you live where you say on the application. As far as filling out the application I recommend you simply check the box that says "other" and stipulate lives with fiance. In the monthly housing amount section of the application I would recommend you wite some figure in excess of $100.00. DO NOT WRITE 0.00
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I've been on hold just now with R for 23 minutes--bizzare during reg hours on a Thursday...no indication of how much longer the hold will be either, and I need to leave..
In my personal experience, this has been the single most powerful tool I've had in effectively dealing with some of the CA's.
"save the environment" rally.....packed with hydrocarbon-spewing Buses and vans.
(Refinance car loan affect credit) This is hilarious. I went to iplace.com and called up the number. They answered as consumerinfo.com. I said privacyguard said it was their fault because the inquiries were down as iplace.com. The lady on the other end said hold on let me transfer you over to the privacyguard department. LOL LOL LOL. PG told me they had nothing to do with iplace and it was their competition yet they TRANSFERED me over. hahaha. I have it all on tape. The pg supervisor treated me like I was a moron. She also kept changing her story. I HAVE IT ALL ON TAPE HAHAHA.
:::::: freeze that account, deny access, lose it, whatever it takes:::::::
In my personal experience, this has been the single most powerful tool I've had in effectively dealing with some of the CA's.
"save the environment" rally.....packed with hydrocarbon-spewing Buses and vans.
(Refinance car loan affect credit) This is hilarious. I went to iplace.com and called up the number. They answered as consumerinfo.com. I said privacyguard said it was their fault because the inquiries were down as iplace.com. The lady on the other end said hold on let me transfer you over to the privacyguard department. LOL LOL LOL. PG told me they had nothing to do with iplace and it was their competition yet they TRANSFERED me over. hahaha. I have it all on tape. The pg supervisor treated me like I was a moron. She also kept changing her story. I HAVE IT ALL ON TAPE HAHAHA.
:::::: freeze that account, deny access, lose it, whatever it takes:::::::
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I�m added as joint user on cousin account with DMB year ago, at time when I didn�t have SSN.
My point is that if you have already opened an account, you mite as well leave it open.
4) Send 2nd validation request after 30 days and no validation response
(Automated credit cashnetusa paydayadv) Marlin's ultimate goal of total client satisfaction will be achieved by offering a fair price for bad debt receivables, ensuing that as owners of the debt we effect collections in such a manner as to minimize complaints, enhance the perception of our clients so they will not be at a disadvantage in a competitive environment, and to address client inquiries immediately and from the perspective of knowledge of the industry.
The fin. co. getting the money is not the probelm in my case; it is when they posted it apparently. I kind of stuck at a brick wall with these people, but working at it. Company polices etc. My real question is the charge off; and what it really means with regard to the fin. co. still receiving money regularly and how they consider it a charge off. I thought it meant this loan was a complete loss - as in bad debt, when it's not
Sadly, if you read the letter you received with the offer, it tells you the limit, how much it can/will be increased to, etc...
My point is that if you have already opened an account, you mite as well leave it open.
4) Send 2nd validation request after 30 days and no validation response
(Automated credit cashnetusa paydayadv) Marlin's ultimate goal of total client satisfaction will be achieved by offering a fair price for bad debt receivables, ensuing that as owners of the debt we effect collections in such a manner as to minimize complaints, enhance the perception of our clients so they will not be at a disadvantage in a competitive environment, and to address client inquiries immediately and from the perspective of knowledge of the industry.
The fin. co. getting the money is not the probelm in my case; it is when they posted it apparently. I kind of stuck at a brick wall with these people, but working at it. Company polices etc. My real question is the charge off; and what it really means with regard to the fin. co. still receiving money regularly and how they consider it a charge off. I thought it meant this loan was a complete loss - as in bad debt, when it's not
Sadly, if you read the letter you received with the offer, it tells you the limit, how much it can/will be increased to, etc...
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Also if you don't include in your answer the SOL affirmative defense you cannot use it.
I don't give a rat's behind 'cause I'm moving in, I'm sick & tired of living in A VAN DOWN BY THE RIVER!!!
Just ordered the notebook...the auth hit immediately, and I've got around $340 left, so I think around a $100 DVD player should leave me enough breathing room for interest and whatever probably good enough?
(Illegal telecheck) Of course, you could just use my trophy letter and put your name and address in!
So then this would then mean to me that they cannot conduct any sort of collection on the debt.
I don't give a rat's behind 'cause I'm moving in, I'm sick & tired of living in A VAN DOWN BY THE RIVER!!!
Just ordered the notebook...the auth hit immediately, and I've got around $340 left, so I think around a $100 DVD player should leave me enough breathing room for interest and whatever probably good enough?
(Illegal telecheck) Of course, you could just use my trophy letter and put your name and address in!
So then this would then mean to me that they cannot conduct any sort of collection on the debt.
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But I would also contact First Franklin and/or Credco and explain this to them and see what they will do.
A corporate AMX card for a company that went out of business was on my credit as a chargeoff.
No doubt discrimination is a factor or could be a factor, but you've not done the work to prove it.
(Payday loan forum cashnetusa) Can, I file a dispute saying the classification is incorrect and ask for it to be deleted?
I have been trying to track down Helig M for 7 months..I've send unanswered letters, the number listed for their HQ is not in service, I've disputed with TU about this account..it always come back verified.
I recall when you dispute information as dupicatem sometimes both are deleted.
A corporate AMX card for a company that went out of business was on my credit as a chargeoff.
No doubt discrimination is a factor or could be a factor, but you've not done the work to prove it.
(Payday loan forum cashnetusa) Can, I file a dispute saying the classification is incorrect and ask for it to be deleted?
I have been trying to track down Helig M for 7 months..I've send unanswered letters, the number listed for their HQ is not in service, I've disputed with TU about this account..it always come back verified.
I recall when you dispute information as dupicatem sometimes both are deleted.
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I am a 22 year old and I have a few problems on my credit report. I will list them below:
I thought that one could request validation at any time if they were confused and wanted proof before disputing or considering settlement, etc..
With this pre-approval, the lender will give you a formal pre-approval letter up to the amount that you qualify for that you can take to seller.
(High risk personal loans) FYI: My current score is EX: 722 and this lien is the only derogatory statement on my report.
I thought that one could request validation at any time if they were confused and wanted proof before disputing or considering settlement, etc..
With this pre-approval, the lender will give you a formal pre-approval letter up to the amount that you qualify for that you can take to seller.
(High risk personal loans) FYI: My current score is EX: 722 and this lien is the only derogatory statement on my report.
czwartek, 31 stycznia 2008
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The guarantee does not apply to UPS Commercial and Residential Ground shipments that are picked up or scheduled to be delivered between December 12 and December 24.
"Atlanta, Brussels, Chicago, Cleveland, Columbus, Dallas, Frankfurt, Hong Kong, Houston, Irvine, London, Los Angeles, Madrid, Menlo Park, Milan Mumbai, Munich, New Delhi, New York, Paris, Pittsburgh, Shanghai, Singapore, Sydney, Taipei, Tokyo, Washington"
Ok, you can get by with it this time....but I'm still waiting for you or humblemarc to win me money in Vegas for my new shoes!!
(Kids clothing telecheck) MAYBE, since you were only AU on the accout, if you dispute it as not mine, it will be deleted.
I'm certain that others will have better advice for you, so hang in there.
"Atlanta, Brussels, Chicago, Cleveland, Columbus, Dallas, Frankfurt, Hong Kong, Houston, Irvine, London, Los Angeles, Madrid, Menlo Park, Milan Mumbai, Munich, New Delhi, New York, Paris, Pittsburgh, Shanghai, Singapore, Sydney, Taipei, Tokyo, Washington"
Ok, you can get by with it this time....but I'm still waiting for you or humblemarc to win me money in Vegas for my new shoes!!
(Kids clothing telecheck) MAYBE, since you were only AU on the accout, if you dispute it as not mine, it will be deleted.
I'm certain that others will have better advice for you, so hang in there.
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Guess my main concern is since they did a hard inquiry even if they change it now to a soft inquiry will I get the points back on my FICO score? Seems it doesn't always work that way.
After family leaves, I'll go and seek out the Georgia Laws specifically or you can look for them using the sections described in the paragraph I quoted.
I'm thinking you should do just as Dixie suggested and dispute one last time with all documentation. Say too, in a cover letter, this is not mine and the OC refuses to provide me with any substantiating verification. As a last resort, I'm requesting a reinvestigation and requesting you go beyond the routine methods of verification. The reason being, you will show that you exhausted all avenues, with a second chance too, before having to file a lawsuit.
(Mte financial arizona) <>You obviously feel guilty about something you wrote, because you continue to try and make yourself believe nothing offensive was written. The fact that the thread was locked says otherwise, whether you want to admit it or not.
First three months are 3.25% and the payments are simple intrest only.
Other health-care competitors are exploiting new technology before the heavy competition moves in.
After family leaves, I'll go and seek out the Georgia Laws specifically or you can look for them using the sections described in the paragraph I quoted.
I'm thinking you should do just as Dixie suggested and dispute one last time with all documentation. Say too, in a cover letter, this is not mine and the OC refuses to provide me with any substantiating verification. As a last resort, I'm requesting a reinvestigation and requesting you go beyond the routine methods of verification. The reason being, you will show that you exhausted all avenues, with a second chance too, before having to file a lawsuit.
(Mte financial arizona) <>You obviously feel guilty about something you wrote, because you continue to try and make yourself believe nothing offensive was written. The fact that the thread was locked says otherwise, whether you want to admit it or not.
First three months are 3.25% and the payments are simple intrest only.
Other health-care competitors are exploiting new technology before the heavy competition moves in.
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If you already have two or three letters/instances of them violating then you might not have to worry about.
Also, it is illegal for the OC to be collecting on a debt they have already sold.
Just means hi, sometimes there's not a good place or thread to just say hi, good to see ya today. It's not ALL about credit, sometimes just gotta say hi to those we like.
(Yamaha credit card loan) To have the judgment in IL vacated, it would have to be done in IL in the court where the judgment was obtained.
My Derogs are paid Full charge off's I did A&S's for them and if we both had 700 scores we could qualify for a 100% financing no imcome documanting loan, and though the interest won't be the best it will still be good and that's why I'm thinking condo, because a house would choke us at this point?
Also, it is illegal for the OC to be collecting on a debt they have already sold.
Just means hi, sometimes there's not a good place or thread to just say hi, good to see ya today. It's not ALL about credit, sometimes just gotta say hi to those we like.
(Yamaha credit card loan) To have the judgment in IL vacated, it would have to be done in IL in the court where the judgment was obtained.
My Derogs are paid Full charge off's I did A&S's for them and if we both had 700 scores we could qualify for a 100% financing no imcome documanting loan, and though the interest won't be the best it will still be good and that's why I'm thinking condo, because a house would choke us at this point?
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1. Any creditor can object. Most of them don't. There are debts that you can't get out of. You'd have to ask a lawyer about whether or not this person who sued you has grounds to object. If a creditor objects, you have a right to fight it. If you're expecting this as a possibility, get a lawyer who includes court appearances in their fee .
Hopefully I ll get all the points back the following month, but knowing how RNG works, I shouldn t guess on anything :twisted:Why didn t you just use one of their purchase checks and deposit it into you acct, then pif when statement cuts.
I forget I am in texas and that not every state does as us goofy texans do.....LOL
(Personal loans for students) The collection agencies will not send you a letter stating that you paid them as agreed.
All true. Fair Isaac Company would probably just say that others whom have the same profile as you tend to demonstrate with a high correlation of accuracy predictable payment behaviors. They then quantify your likelihood of future default with neat little number. Don't bother to ask how they do this. They're not required to say, and they won't. You trust them, don't you? There's absolutely no evidence that they may be kowtowing to the folks that provide their profits either�so don�t even go there.
:twisted: My god they have their own anti-fan mail web sites put up by people who hate them.
Hopefully I ll get all the points back the following month, but knowing how RNG works, I shouldn t guess on anything :twisted:Why didn t you just use one of their purchase checks and deposit it into you acct, then pif when statement cuts.
I forget I am in texas and that not every state does as us goofy texans do.....LOL
(Personal loans for students) The collection agencies will not send you a letter stating that you paid them as agreed.
All true. Fair Isaac Company would probably just say that others whom have the same profile as you tend to demonstrate with a high correlation of accuracy predictable payment behaviors. They then quantify your likelihood of future default with neat little number. Don't bother to ask how they do this. They're not required to say, and they won't. You trust them, don't you? There's absolutely no evidence that they may be kowtowing to the folks that provide their profits either�so don�t even go there.
:twisted: My god they have their own anti-fan mail web sites put up by people who hate them.
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Nothing in the FDCPA requires anyone to communicatewith a return receipt.
If you aren't in one of those catagories, then welcome to the great American dream Jones family.
yes i would dispute first as not mine, but even still with scores like this i think mike could still help you.
(Canadian bad credit loans) If I call CCB, I'm sure I probably shouldn't talk to an ordinary CSR.
AND since I've just gotten my new Fleet card with a $3500 CL I won't be using Cap1 that much anyway.
Although I still watch it every Thursday night it has lost a bit of the Jazz that it once had.
I have a summer home with a brand new address because i just built the place.
If you aren't in one of those catagories, then welcome to the great American dream Jones family.
yes i would dispute first as not mine, but even still with scores like this i think mike could still help you.
(Canadian bad credit loans) If I call CCB, I'm sure I probably shouldn't talk to an ordinary CSR.
AND since I've just gotten my new Fleet card with a $3500 CL I won't be using Cap1 that much anyway.
Although I still watch it every Thursday night it has lost a bit of the Jazz that it once had.
I have a summer home with a brand new address because i just built the place.
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You can do that whenever you like, as many times as you like -- because you CAN.
Legally, they CAN list it as a foreclosure, BUT they cannot list it as past due, nor can they list any outstanding balance, or past due amount. Read this:
Thank you, Manequinne, for the link, I found the list after I posted my first mssg here.
(Cash loans usa) Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for $1000 or actual damages to both the consumer and to the consumer reporting agency from which the report is procured.
Unfortunately, he then got involved in a class-action suit and got busy and forgot about me.
Legally, they CAN list it as a foreclosure, BUT they cannot list it as past due, nor can they list any outstanding balance, or past due amount. Read this:
Thank you, Manequinne, for the link, I found the list after I posted my first mssg here.
(Cash loans usa) Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for $1000 or actual damages to both the consumer and to the consumer reporting agency from which the report is procured.
Unfortunately, he then got involved in a class-action suit and got busy and forgot about me.
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From what I have learned from the year that I have personaly doing my own credit repair eddieboy is that when you do it yourself and read on this board with all the help that is here yes its harder to do it yourself but you also have some pride in seeing the results.
Any ideas? It doesn't even show "No data" or anything. I am seeign this through PG and confirmed it by pulling all 3 CRA's indiviudally. I am upset because I paid this CC down to $0 but EXP is still showing a $500 Bal.
I think I made a good friend this morning sharing this stuff with her.
(Cat jobs paying 500 day) What really helped is if you try to pull worthknowing with the wrong info.
Any ideas? It doesn't even show "No data" or anything. I am seeign this through PG and confirmed it by pulling all 3 CRA's indiviudally. I am upset because I paid this CC down to $0 but EXP is still showing a $500 Bal.
I think I made a good friend this morning sharing this stuff with her.
(Cat jobs paying 500 day) What really helped is if you try to pull worthknowing with the wrong info.
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I am shocked that you would consider such actions with such severe consequences and without having even done some basic research.
I would mention that the Judgment obtained in the Capital ONe Bank case was Vacated.
If you pay your Chase down to under 50% of the limit, I would call and see if they would be willing to raise the limit, without a hard inquiry....if they pull your report the lates would hurt......
(Yes personal loans good comments) Can someone tell me what this means, what it means to homestead your home and how you do it.
If I would have an attorney, I wouldn't even have to go to any inquest trials. All he would have to do is to go to the Judgment clerk office and to enter a judgment.
Don't some mortgage companies have a program where you can tack some payments on the tail end of the loan? I know mine would rather kill me first, but it seems like I've read somewhere that someone had this done.
I would mention that the Judgment obtained in the Capital ONe Bank case was Vacated.
If you pay your Chase down to under 50% of the limit, I would call and see if they would be willing to raise the limit, without a hard inquiry....if they pull your report the lates would hurt......
(Yes personal loans good comments) Can someone tell me what this means, what it means to homestead your home and how you do it.
If I would have an attorney, I wouldn't even have to go to any inquest trials. All he would have to do is to go to the Judgment clerk office and to enter a judgment.
Don't some mortgage companies have a program where you can tack some payments on the tail end of the loan? I know mine would rather kill me first, but it seems like I've read somewhere that someone had this done.
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Now that I am thinking about it I may not be the right guy to be posting on here beins I might be a lil biased on the subject.
I filed suit April 30 against Wells Fargo for non PP of my CR and my DH CR , the FCRA with the applicable sections marked and the FTC Opinion letters to Wells Fargo legal department 1 week before I filed my claim, stating I would file on such and such day.
Go by what you got from myFICO. The score you got from EX is definitely CreditXpert, nothing to do with FICO. The one you got from TU is probably a useless FAKO "Personal Credit Score".
(Faxless low fee loansmoney gram) I also stated that i don't think he lied, but gave an arguement for why it makes sence to me, he felt he had too in order to get our support.
What an interesting article. I personally hate going to the car lots. Hubby brought home three cars for me to see because I refused to go. Now I know that I really will stay away. Too many cons for me.
What happens when I go to court and they don't have the validation papers?
I'm not sure, but I believe that this would have about the same effect as a settlement
I filed suit April 30 against Wells Fargo for non PP of my CR and my DH CR , the FCRA with the applicable sections marked and the FTC Opinion letters to Wells Fargo legal department 1 week before I filed my claim, stating I would file on such and such day.
Go by what you got from myFICO. The score you got from EX is definitely CreditXpert, nothing to do with FICO. The one you got from TU is probably a useless FAKO "Personal Credit Score".
(Faxless low fee loansmoney gram) I also stated that i don't think he lied, but gave an arguement for why it makes sence to me, he felt he had too in order to get our support.
What an interesting article. I personally hate going to the car lots. Hubby brought home three cars for me to see because I refused to go. Now I know that I really will stay away. Too many cons for me.
What happens when I go to court and they don't have the validation papers?
I'm not sure, but I believe that this would have about the same effect as a settlement
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I received a phone call from Ameriquest Mortgage soliciting their services, I told them there was no way we could qualify since we just filed BK7.
I was preapprove for a FHA loan. While looking for a house I came across builder who has a few new projects that I might be interested in. My questions is who pays for the closing close for FHA loan on a new project?
Let's assume that in 12 months, each scenario has the person paying all debt on time each month.....
(Urgent emergency loan in uae) "We are hopeful that in the next little while we can present our conclusions, together as Congress examines those issues, understanding that fundamentally the answer must be what is best for the consumer."
I was preapprove for a FHA loan. While looking for a house I came across builder who has a few new projects that I might be interested in. My questions is who pays for the closing close for FHA loan on a new project?
Let's assume that in 12 months, each scenario has the person paying all debt on time each month.....
(Urgent emergency loan in uae) "We are hopeful that in the next little while we can present our conclusions, together as Congress examines those issues, understanding that fundamentally the answer must be what is best for the consumer."
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Amazingly, they verified 3 of the 4 items...even one of the items we had a cancellation letter for.
On another board, a person was able to prove they were duplicates and got them removed.
When I told her that an address was incorrect, she would only let me correct it to the proper address.
(Fast money payday loan) Thanks so much for that info! I didn't know how to pull the fresh report. I'm wondering something...I just paid off my auto loan a week ago and it is still showing past due and a balance. How long would it normally take for them to update that? Just curious.
I currently have 6 months of 0% interest and deferred payment with that card and after the promotion period it goes up to 23%!
I included that one in my bankruptcy, it went to foreclosure but was saved by the SSCRA.
But, the PG score is created by CreditXpert and a lot of banks do use the CreditXpert formula.
On another board, a person was able to prove they were duplicates and got them removed.
When I told her that an address was incorrect, she would only let me correct it to the proper address.
(Fast money payday loan) Thanks so much for that info! I didn't know how to pull the fresh report. I'm wondering something...I just paid off my auto loan a week ago and it is still showing past due and a balance. How long would it normally take for them to update that? Just curious.
I currently have 6 months of 0% interest and deferred payment with that card and after the promotion period it goes up to 23%!
I included that one in my bankruptcy, it went to foreclosure but was saved by the SSCRA.
But, the PG score is created by CreditXpert and a lot of banks do use the CreditXpert formula.
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If they do not notify you before cashing the postdated one, instant violation.
I know that is a short period of time but if these guys have done this before they know EXACTLY what hurts the most and can start there and work there way down pretty quickly.
And in true sit-com form, a happy ending is ensured when he returns to the appliance store and is instantly approved for their new dryer.
(Student loans without a cosigner) I figured why not try...since they have a habit of deleting positive tl's when you request them to reflect the credit limit.
Letters and exhibits do not have to be folded, and they really stand out due to the envelope size and the green on white envelopes.
I know that is a short period of time but if these guys have done this before they know EXACTLY what hurts the most and can start there and work there way down pretty quickly.
And in true sit-com form, a happy ending is ensured when he returns to the appliance store and is instantly approved for their new dryer.
(Student loans without a cosigner) I figured why not try...since they have a habit of deleting positive tl's when you request them to reflect the credit limit.
Letters and exhibits do not have to be folded, and they really stand out due to the envelope size and the green on white envelopes.
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I'm really ticked off that NextBank failed because we had a great credit line with them and excellent payment history. I loved their rewards program. We used it and earned a $50 JC Penney Card, a B-BQ Grill set, a $50 Toys R Us card, and a portable CD player. Didn't have to spend a dime last Christmas!!! Gift cards combined with 2 for 1 offers and tons of coupons was great.
This General conditional release of liability agreement is contingent upon NCO FINANCIAL SYSTEMS, INC., aka MARLIN INTEGRATED CAPITAL, complying fully with the above conditions and only releases NCO FINANCIAL SYSTEMS, INC., aka MARLIN INTEGRATED CAPITAL from all liability if these requirements and conditions have been met.
One week I picked up - it was Sprint trying to get me to buy local service [ i use them for cell ].
(Quick and easy personal loansbad credit) I've had a Discover card for almost 10 years now and I can say they are hard to deal with.
Another piece of advice I can offer, I have used this several times with some of my clients:
Due to my first round and contesting the entries on my reports with the CRA, I just got approved for a new loan on a new pontiac montana.
I know I've seen something on here about this before, but I can't find it under search.
This General conditional release of liability agreement is contingent upon NCO FINANCIAL SYSTEMS, INC., aka MARLIN INTEGRATED CAPITAL, complying fully with the above conditions and only releases NCO FINANCIAL SYSTEMS, INC., aka MARLIN INTEGRATED CAPITAL from all liability if these requirements and conditions have been met.
One week I picked up - it was Sprint trying to get me to buy local service [ i use them for cell ].
(Quick and easy personal loansbad credit) I've had a Discover card for almost 10 years now and I can say they are hard to deal with.
Another piece of advice I can offer, I have used this several times with some of my clients:
Due to my first round and contesting the entries on my reports with the CRA, I just got approved for a new loan on a new pontiac montana.
I know I've seen something on here about this before, but I can't find it under search.
faxless payday installment loans
If you are looking for judgemental, this is the wrong place. We are here to answer questions and assist. Many people go through tough times. There are a few lenders that will lend right after BK discharge.
If you tell them that you're aware that they're INTENTIONALLY violating the BK code, then they may delete easier....not sure if they will, but get a deletion instead of changing it to IIB if at all possible
I am receipt of your correspondence postmarked [DAT. You state that the account is reporting accurately in your opinion. However, it is not. I have contacted the alleged creditor, [NAME OF ORIGINAL CREDITO. They state that the account is an open account and paying as agreed .
(Faxless payday installment loans) I believe it is a subassembly of a bigger contraption, not a complete device.
If you tell them that you're aware that they're INTENTIONALLY violating the BK code, then they may delete easier....not sure if they will, but get a deletion instead of changing it to IIB if at all possible
I am receipt of your correspondence postmarked [DAT. You state that the account is reporting accurately in your opinion. However, it is not. I have contacted the alleged creditor, [NAME OF ORIGINAL CREDITO. They state that the account is an open account and paying as agreed .
(Faxless payday installment loans) I believe it is a subassembly of a bigger contraption, not a complete device.
no chex or teletrack payday loan
On my 15th or so attempt today at pulling WK I got an error MSG...
If you look up First American Credco on the net, they appear as another CRA.
Sooo...13 months? I've had 50 deletions for each of us over all 3 reports. These last ones that are stuck are going to be HARD but it's going to be feel SOOOO good with that Amex Blue in my wallet
(No chex or teletrack payday loan) Yup, that's what I'm after. The district court in question is not on the web and I have not found any other district courts within the state that have the information I am looking for, other than the statutes I quoted above. I have tried asking the court clerk for the info but she isn't the helpful type. :?
If you look up First American Credco on the net, they appear as another CRA.
Sooo...13 months? I've had 50 deletions for each of us over all 3 reports. These last ones that are stuck are going to be HARD but it's going to be feel SOOOO good with that Amex Blue in my wallet
(No chex or teletrack payday loan) Yup, that's what I'm after. The district court in question is not on the web and I have not found any other district courts within the state that have the information I am looking for, other than the statutes I quoted above. I have tried asking the court clerk for the info but she isn't the helpful type. :?
cash loane
Take the third step and charge $70 on each of the cards.
but only CrapitalOne would charge $59 for 0% for 6 months. I don't know what the equivalent APR is, but that SUCKS!!!
Same type of folks call those who actively choose not to procreate a selfish people...
(Cash loane) So we can agree to disagree, but I will not have you bully me out of my right in this country to have my dispute heard by an impartial third party. I am an educated professional, and your threats will not prevent me from doing what I think is right. I don't think that trying to have one's credit report reported in a fair and accurate manner is frivolous. So with that being said I guess I will see you in court as I see you have no intention of settling this amicably. If you change your mind, you can contact me via e-mail or at work at XXX-XXX-XXXX.
But, I have also noticed, that a few TLs I disputed with TU were never listed on PG as being disputed. I got a letter yesterday from TU, stating my accounts have been "verified- no change?"
sorry, I didn't intend to offend anyone, which is why I held off posting my opinion. believe me, I have sympathy for those who have been through a bad divorce, but I have almost been there myself. When my husband and I got engaged, he wanted me to sign a pre-nup because he was involved in a very profitable family business, left me with no money, and I had no access at all to that business. All during this time his brother's living the good life. Fact is, he left me with HIS kids and no money, Whether that family business was still together or not, whatever assets were there, I had a right to in order to protect my kids. MY KIDS had a right to it. If I had signed a pre-nup like his family wanted and that business was still together, my kids would have never seen a dime of it. That's why I say, don't ever give up your legal rights to the assets of a marriage. You set your kids up to get screwed. We were fortunate enough to save our marriage, he made a conscious choice to save our marriage and I forgave him. But please don't think that I haven't been there because I have, and I almost got burned.
Bankruptcy in a Community property state
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Maybe there is a nicer house in a nicer neighborhood somewhere out there that will be available by the time you guys get your credit straight.
but only CrapitalOne would charge $59 for 0% for 6 months. I don't know what the equivalent APR is, but that SUCKS!!!
Same type of folks call those who actively choose not to procreate a selfish people...
(Cash loane) So we can agree to disagree, but I will not have you bully me out of my right in this country to have my dispute heard by an impartial third party. I am an educated professional, and your threats will not prevent me from doing what I think is right. I don't think that trying to have one's credit report reported in a fair and accurate manner is frivolous. So with that being said I guess I will see you in court as I see you have no intention of settling this amicably. If you change your mind, you can contact me via e-mail or at work at XXX-XXX-XXXX.
But, I have also noticed, that a few TLs I disputed with TU were never listed on PG as being disputed. I got a letter yesterday from TU, stating my accounts have been "verified- no change?"
sorry, I didn't intend to offend anyone, which is why I held off posting my opinion. believe me, I have sympathy for those who have been through a bad divorce, but I have almost been there myself. When my husband and I got engaged, he wanted me to sign a pre-nup because he was involved in a very profitable family business, left me with no money, and I had no access at all to that business. All during this time his brother's living the good life. Fact is, he left me with HIS kids and no money, Whether that family business was still together or not, whatever assets were there, I had a right to in order to protect my kids. MY KIDS had a right to it. If I had signed a pre-nup like his family wanted and that business was still together, my kids would have never seen a dime of it. That's why I say, don't ever give up your legal rights to the assets of a marriage. You set your kids up to get screwed. We were fortunate enough to save our marriage, he made a conscious choice to save our marriage and I forgave him. But please don't think that I haven't been there because I have, and I almost got burned.
Bankruptcy in a Community property state
You agree not to post or use Creditboards.com to distribute or send any illegal material of any kind, including but not limited to, illegal material in the form of text, graphics, video, programs or audio. Posting content or participating in any form of discussion with the intention to commit any illegal activity is strictly prohibited.
Maybe there is a nicer house in a nicer neighborhood somewhere out there that will be available by the time you guys get your credit straight.
americash loan stores
Breeze, believe me it's Cap1 who gave the CA your address.
Even though you are in a community property state, the legal separation should prevent anyone going after any of your STBx's assets. Creditors are a different matter. If you incurred the debts while married, then creditors could go after the STBX for repayment of a 'community debt'.
Does anyone else have accounts with First USA that were discharged in a bankruptcy? If so, how are they reporting those accounts? Also, does anyone have the name or address of someone in First USA's legal department. It looks like they will be receiving a certified letter from me soon regarding the non-permissible purpose inquiries and the inaccurate reporting.
(Americash loan stores) Minolta Maxxum $299 warranty
Exp has 4 inquiries in last 6 months, Eq 0 and TU 2...
To be honest... my DW and I decided a Pre-Nup was a GOOD idea... mainly because she knew how hard i worked to get my credit good and get my assets where they have to be... She realizes that even though we are married, the way life works is that YOU NEVER KNOW, and she wouldnt want tu ruin all I worked for if anything did happen.
Even though you are in a community property state, the legal separation should prevent anyone going after any of your STBx's assets. Creditors are a different matter. If you incurred the debts while married, then creditors could go after the STBX for repayment of a 'community debt'.
Does anyone else have accounts with First USA that were discharged in a bankruptcy? If so, how are they reporting those accounts? Also, does anyone have the name or address of someone in First USA's legal department. It looks like they will be receiving a certified letter from me soon regarding the non-permissible purpose inquiries and the inaccurate reporting.
(Americash loan stores) Minolta Maxxum $299 warranty
Exp has 4 inquiries in last 6 months, Eq 0 and TU 2...
To be honest... my DW and I decided a Pre-Nup was a GOOD idea... mainly because she knew how hard i worked to get my credit good and get my assets where they have to be... She realizes that even though we are married, the way life works is that YOU NEVER KNOW, and she wouldnt want tu ruin all I worked for if anything did happen.
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