So if it's a chargeoff, whether or not the late history shows makes no impact on FICO. At least in this case. So just ignore PG making the change (like we didn't already know this! LOL but TU is my best score and i was gonna be MAJOR PO'd if PG would have been right.
Before all this happened TU sent me an updated report, listed was the places I applied for credit and the address I had given them.
On all letters, make sure you "cc" the bottom of the letter with important people...FTC, AG, etc.
(Personal loan contract example) I've been receiving monthly bills from MCI, even though I don't have MCI service.
I was just going to put all the documents out there to see with little comment by me.
short answer to this is to breathe.................trust your loan officer.........expect a GFE upfront.................then get a couple of second opinions to make sure that you are confident that you are recieving a good deal.
MY OPINION DON'T GIVE THEM ANY MONEY IF THEY PULL FOR A CHECKING/SAVINGS/CD....credit card or loan is fine to pull and logical...
Just want to make sure I have all the ammo I need in order to make a complaint against the OC if they wont delete.
poniedziałek, 4 lutego 2008
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I have been trying not to aquire new credit but based on what I have learned here today I am thinking perhaps I should request increases in some of my existing credit.
On the unpaid overtime thing well, employers I have worked for changed the rules any time they felt like it. Asking for a description of a job's duties and responsibilities during the hiring process is: A. bad form, and B. A sure fire way to not get hired. And besides, who cares. They are going to change the rules any time they feel like it anyways.
But if he has a close relative or friend they may ignore the law and use it.
(Vancouver bc cash car loan) I now know that there million dollar disk is nothing more than the million dollar information here 24/7.
EX hasn't been so creative and has labeled theirs the Experian/Fair Isaac Crdit Risk Score , those that vary the weighting of the various factors from the "standard" to suit their own company's needs, or even those based on an older revision of the FICO algorithm suite that they trust more than a newer revision.
we all get apathetic about certain things, but don't let that make you apathetic or discouraged.
I have heard stories that people send a goodwill letter, only to recieve a "We're Sorry" response.
On the unpaid overtime thing well, employers I have worked for changed the rules any time they felt like it. Asking for a description of a job's duties and responsibilities during the hiring process is: A. bad form, and B. A sure fire way to not get hired. And besides, who cares. They are going to change the rules any time they feel like it anyways.
But if he has a close relative or friend they may ignore the law and use it.
(Vancouver bc cash car loan) I now know that there million dollar disk is nothing more than the million dollar information here 24/7.
EX hasn't been so creative and has labeled theirs the Experian/Fair Isaac Crdit Risk Score , those that vary the weighting of the various factors from the "standard" to suit their own company's needs, or even those based on an older revision of the FICO algorithm suite that they trust more than a newer revision.
we all get apathetic about certain things, but don't let that make you apathetic or discouraged.
I have heard stories that people send a goodwill letter, only to recieve a "We're Sorry" response.
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On EQ, these same accounts are being reported by a CA, but on TU it lists the OCs' names.
A CA submits your account to the CRA's skip alert service, and if there is any activity at all with your credit, the CA gets the information.
that sounds like alot of action for a french wepon, it must have be assigined to an active member of the french military
(Payday cash advance 2 day payback) Hey that isn't fair I was drinking a big gulp of water when I read that, and about spit it from laughter ....
A credit report is the information that any one of the three of four major Credit Reporting Agencies
A CA submits your account to the CRA's skip alert service, and if there is any activity at all with your credit, the CA gets the information.
that sounds like alot of action for a french wepon, it must have be assigined to an active member of the french military
(Payday cash advance 2 day payback) Hey that isn't fair I was drinking a big gulp of water when I read that, and about spit it from laughter ....
A credit report is the information that any one of the three of four major Credit Reporting Agencies
niedziela, 3 lutego 2008
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If you dispute with the CRA's online, you get an e-mail sent from them stating they received your dispute in a certain date and time.
Has not been reported to a collection agency within the last 10 years.
Is it acceptable to sign up for this service to get copies of your reports and scores and then cancel before the end of the trial period, effectively getting the reports for free?
(550 fico for personal loan) The people on this board have helped me a lot---even if I don't post that often, I've learned that I'm not alone in this nightmare!!
Has not been reported to a collection agency within the last 10 years.
Is it acceptable to sign up for this service to get copies of your reports and scores and then cancel before the end of the trial period, effectively getting the reports for free?
(550 fico for personal loan) The people on this board have helped me a lot---even if I don't post that often, I've learned that I'm not alone in this nightmare!!
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I don't know anything about Lexington, and if there are other companies repairing credit, I don't know about them either......
My first CA came off after a little over 30 days of validating with them.
Hold up JEByrd for some more responses and clarify what you're looking for, you may have to be willing to lose the TL altogether, sorry to say -- whether you can live with that, or don't need it, depends on your reports and what else is on there.
(Magnum cash advance funding) I'll give this a little volleyball-style bump in case one of us has a little more detail.
He also stated we should send our bk discharge - that way if they STILL don't correct he can proceed to sue the OC and the CRA's, but I feel uncomfortable doing this as I've read so many times on this board to NEVER send your schedules or bk discharge info - as it dooms you for the full 10 yrs.
I have a hard time believing A) that they called at 6:51pm, as the csr told me they did.
They'll have to provide those records in court anyway, if you maintain it's not yours, no way around verifying for them, if you want to pursue the violations.
I went to a Communion at church and I was wearing this really cute skirt. It was long and had a zipper in the back. As we were walking from our car to go into the church, the early session had just got let out so the parking lot was full of people, I was holding my daughter
My first CA came off after a little over 30 days of validating with them.
Hold up JEByrd for some more responses and clarify what you're looking for, you may have to be willing to lose the TL altogether, sorry to say -- whether you can live with that, or don't need it, depends on your reports and what else is on there.
(Magnum cash advance funding) I'll give this a little volleyball-style bump in case one of us has a little more detail.
He also stated we should send our bk discharge - that way if they STILL don't correct he can proceed to sue the OC and the CRA's, but I feel uncomfortable doing this as I've read so many times on this board to NEVER send your schedules or bk discharge info - as it dooms you for the full 10 yrs.
I have a hard time believing A) that they called at 6:51pm, as the csr told me they did.
They'll have to provide those records in court anyway, if you maintain it's not yours, no way around verifying for them, if you want to pursue the violations.
I went to a Communion at church and I was wearing this really cute skirt. It was long and had a zipper in the back. As we were walking from our car to go into the church, the early session had just got let out so the parking lot was full of people, I was holding my daughter
sobota, 2 lutego 2008
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There are some penalty APRs for six months for being late on payments, etc.
I disputed the lates again and expect to see the results in the next 2-3 weeks.
Cras blandit, risus at placerat imperdiet, velit tortor vestibulum felis, ut ullamcorper massa turpis non neque.
(Aol lotteries ontario pay day) Which makes sense, they want to make sure that if they build the home that you can pay for it.
I disputed the lates again and expect to see the results in the next 2-3 weeks.
Cras blandit, risus at placerat imperdiet, velit tortor vestibulum felis, ut ullamcorper massa turpis non neque.
(Aol lotteries ontario pay day) Which makes sense, they want to make sure that if they build the home that you can pay for it.
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Drooling about union plus, lol...just need to know if they are score driven.
So doing your best to pay your revolving/charge account balances is a smart way to help increase your score.
I don't know about utility accounts, but I guess that disputing would work.
(Get a payday loan without a middleman) Because it was included in BK it gets complicated, so you don't want it to be a violation of the discharge injunction if possible.
I am getting all of my ducks in a row, in case I have to file a lawsuit against the CA that deposited a second check, without my permission.
Only other major choice is Airborne, They recently bought DHL. Two major corps that send to us use them because of better rates. Not as many drop off locations.
So doing your best to pay your revolving/charge account balances is a smart way to help increase your score.
I don't know about utility accounts, but I guess that disputing would work.
(Get a payday loan without a middleman) Because it was included in BK it gets complicated, so you don't want it to be a violation of the discharge injunction if possible.
I am getting all of my ducks in a row, in case I have to file a lawsuit against the CA that deposited a second check, without my permission.
Only other major choice is Airborne, They recently bought DHL. Two major corps that send to us use them because of better rates. Not as many drop off locations.
paycheck city
DH and me closed our JC Penney account last summer, balance was $85. DH had this TL prior to our marrying since 12/1/88. Pulled CR and TL shows "Credit Line Closed Consumer Request". But shows a Past Due Bal of $60. Spoke w/3 reps on phone, all confirmed account closed and that they did receive our payments. 2 mos pass and we notice that they have been charging us late fees and overlimit fees by lowering our credit limit to a totally arbitrary amount BELOW the $60 balance!! There should no credit limit because we closed the account. They input a number out of the sky below the balance so that it looks like we were ALWAYS over limit. Pulled CR again 2 weeks ago and now CR states "was 30, 60, 90 days past due, was 120 days or more past due." FIGHT-TIME
Both are still being disputed and I'm hopeful they will be gone for good in the next 30 days.
Do they apply the FICO criteria to the information contained in your TU report, or use the FAKO number provided by TU?
(Paycheck city) Well, I'm going to be in CO in a few weeks and would love to serve these suckers myself I'll do just about anything to get this off of Dh's report!
A broker is payed a SRP are based on the same PURCHASE price, see who has offered you the best "deal".
Both are still being disputed and I'm hopeful they will be gone for good in the next 30 days.
Do they apply the FICO criteria to the information contained in your TU report, or use the FAKO number provided by TU?
(Paycheck city) Well, I'm going to be in CO in a few weeks and would love to serve these suckers myself I'll do just about anything to get this off of Dh's report!
A broker is payed a SRP are based on the same PURCHASE price, see who has offered you the best "deal".
piątek, 1 lutego 2008
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Taxes: depends on when filed BK. If you file BK in January then you will have to give 2003 return to Trustee. If you file BK in October/Sept you will have to explain where the money went. You need to check your state too. Some states require both the BK filer and spouse file together. As far as insurance goes if you stay with the same company before and after no change. I tried to get insurance after with Progressive and it was going to be 1,100. It is 540 with State Farm. There are insurance companies out their that dont pull CR. Just have to shop around.
final question if anyone knows..Do i send the small claims suite to the P.O.
Of course, I alsways said Lowe's is on my blacklist for being buttheads.
(Instant cash loan same day payout) I thought that, for FICO purposes, mortgage shopping that took place within, say, a week or two would only count as one inq, or not at all.
final question if anyone knows..Do i send the small claims suite to the P.O.
Of course, I alsways said Lowe's is on my blacklist for being buttheads.
(Instant cash loan same day payout) I thought that, for FICO purposes, mortgage shopping that took place within, say, a week or two would only count as one inq, or not at all.
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The guy I talked to said they were aware of the problem and in the process of fixing it. He took down my info, said he is passing it to his supervisor to get it fixed. I can only believe him at this point. In a few days, if it isn't remove, I will take action.
Yes we know that CRA's can and do make mistakes, but because Discover knows this also, they are blaming the CRA instead of themselves.
2. I believe in prior post you mentioned your credit union. What was their initial response?
(Home loans without fico score) Some have said an included in Bk isn't counted in Fico, but I will tell you that I had impact when they were added and removed to my Fico using that notation so I feel it does.
Yes we know that CRA's can and do make mistakes, but because Discover knows this also, they are blaming the CRA instead of themselves.
2. I believe in prior post you mentioned your credit union. What was their initial response?
(Home loans without fico score) Some have said an included in Bk isn't counted in Fico, but I will tell you that I had impact when they were added and removed to my Fico using that notation so I feel it does.
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Sorry about that....that is another one of the reasons I think these offers are not good.....I know many have had success with them.......
DW is Belgian, English not her first language. I'm just ornery, I think it's genetic.
I noticed some of my positive tradelines from my TU report have been deleted.
(Payday loans with no chexsystem) I wonder if you can get rid of it because you weren't served properly , I would go to www.planetfeedback.com and write them and see if they will get rid of the late.
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.
I was only flabbergasted that the e-oscar begins 06/15/03 THAT with all the posters still asking what number do I call to do this.
I have seen programs that cost as little as 200 dollars. they do not raise the price of the hous ebecause they will get this money at closing. Look at a few of the websites listed in my previous posts and they should explain.
DW is Belgian, English not her first language. I'm just ornery, I think it's genetic.
I noticed some of my positive tradelines from my TU report have been deleted.
(Payday loans with no chexsystem) I wonder if you can get rid of it because you weren't served properly , I would go to www.planetfeedback.com and write them and see if they will get rid of the late.
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.
I was only flabbergasted that the e-oscar begins 06/15/03 THAT with all the posters still asking what number do I call to do this.
I have seen programs that cost as little as 200 dollars. they do not raise the price of the hous ebecause they will get this money at closing. Look at a few of the websites listed in my previous posts and they should explain.
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I just had an old c/o from Eddie Bauer/FCNB pop up on my credit report after being gone for over a year...
Crap 1 will start out at a $500 dollar limit and will probably get increase to 3 to 5K in two or three years. Same for Orchard.
Sometimes you can run into creditors that will take the easy way out and try to refer you back to the CRAs. But I won't settle for that answer and remind them that if they where reporting right in the first place I would not be now contacting them directly.
(Unitedcash loans complaints) When you dispute an item on your credit report, im assuming that the Credit bureau contacts the Origional creditor to validate the information reported. Does this prompt the Creditor to start the collections process again with me?
I wanted to let y'all know what a real, a TANGIBLE difference all of your contributions have made in our lives...a difference that will echo for years to come.
Title eliminated is where you eliminate the "license plate" of the home and combine it witht he land its on and now the home/land is real property.
On the phone with Americrap as I'm writing this....on hold of course...what a shock!
Crap 1 will start out at a $500 dollar limit and will probably get increase to 3 to 5K in two or three years. Same for Orchard.
Sometimes you can run into creditors that will take the easy way out and try to refer you back to the CRAs. But I won't settle for that answer and remind them that if they where reporting right in the first place I would not be now contacting them directly.
(Unitedcash loans complaints) When you dispute an item on your credit report, im assuming that the Credit bureau contacts the Origional creditor to validate the information reported. Does this prompt the Creditor to start the collections process again with me?
I wanted to let y'all know what a real, a TANGIBLE difference all of your contributions have made in our lives...a difference that will echo for years to come.
Title eliminated is where you eliminate the "license plate" of the home and combine it witht he land its on and now the home/land is real property.
On the phone with Americrap as I'm writing this....on hold of course...what a shock!
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Two upgrades that are worth considering are getting a 19 inch monitor and getting Microsoft Office.
I had ordered the 3in1 from Equifax back in January and I needed to dispute something from TransUnion.
Something does not smell right here! Is there anything here being reported on these accounts that I can use as a way to have these items deleted?
(No verify income cash advance) We got our discharge in December and since then, we have updated/corrected our credit reports.
I had ordered the 3in1 from Equifax back in January and I needed to dispute something from TransUnion.
Something does not smell right here! Is there anything here being reported on these accounts that I can use as a way to have these items deleted?
(No verify income cash advance) We got our discharge in December and since then, we have updated/corrected our credit reports.
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That is the question. I just received word that I was approved for an 80/20 for up to $189.900. I am a first time home buyer, and now need to make a decision to escrow or not. In speaking with a co-worker, I learned that lenders frequently sell mortgages, and in her experience, there was a problem with transferring the escrow account. They were making the usual payments, and one day the Tax Collector calls them up to inform them taxes had not been paid, and a lien will be placed on the home if not paid. Is this an isolated incident, or something that tends to happen frequently? Other then having to only make 1 monthly payment for all costs, what are the advantages of escrow? As long as your disciplined enough, wouldn't making tax payments yourself make more sense?
I'ld settle for something similar with a lifetime subscription to EQ CWG thrown in for good measure
You are probably WAY past SOL for any legal collection.And likely past the 7 years for your credit report as well, which is why it is not on there.
(Getting a loan without a house) "Probably the most common problems consumers have - and this is a problem that, of its nature, will never go away, no matter how much good will and expertise collectors have - is the misidentification of someone as a consumer because of identical or very similar names, use of nicknames, name changes, etc.
The part that I DON'T like is that under the revised law, if the CA hasn't put the account on your credit report then they don't have to investigate or reply to you....
If anyone would like the full report with the graph please email me at don@aimloans.com.
I'ld settle for something similar with a lifetime subscription to EQ CWG thrown in for good measure
You are probably WAY past SOL for any legal collection.And likely past the 7 years for your credit report as well, which is why it is not on there.
(Getting a loan without a house) "Probably the most common problems consumers have - and this is a problem that, of its nature, will never go away, no matter how much good will and expertise collectors have - is the misidentification of someone as a consumer because of identical or very similar names, use of nicknames, name changes, etc.
The part that I DON'T like is that under the revised law, if the CA hasn't put the account on your credit report then they don't have to investigate or reply to you....
If anyone would like the full report with the graph please email me at don@aimloans.com.
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Again I put out the disclaimer that all lawsuits are up to interpretation and this is by no means a slam dunk, but I think all three of you should step back for a minute and stop thinking of this as a high level legal discussion and think of it as a way of getting to a CA who refuses to negotiate to work with you.
Should we try to negotiate a settlement or should I try to dispute the charge offs or should we just let them sit there and eventually drop off?
Does anybody out there know if having a past bk with a CU will stop us from being able to obtain a loan through a CU in the future?
(Personal loans for 500 fico) Oh well....I'm a rebuilder, and I already have some of the subprime cards...can't seem to get my foot in the door for some of the prime cards...not just yet anyway...so when I read about CB& T, I figured...well why not?
On EQ, are they listing in the CA section of the report, or in the regular creditor section?
Does anyone know the effect on disputing online with CSC if you do not have the full account no? I want to start because I am sick of waiting for my hard copy report, but the account numbers i can get off PG are not complete. Should I wait, or dispute with only partial account no's?
They will just tell you that local law enforcement will handle your case and seek damages from the person who did it.
(A jar of salsa is nice but it's not that great right out of the bottle.
Should we try to negotiate a settlement or should I try to dispute the charge offs or should we just let them sit there and eventually drop off?
Does anybody out there know if having a past bk with a CU will stop us from being able to obtain a loan through a CU in the future?
(Personal loans for 500 fico) Oh well....I'm a rebuilder, and I already have some of the subprime cards...can't seem to get my foot in the door for some of the prime cards...not just yet anyway...so when I read about CB& T, I figured...well why not?
On EQ, are they listing in the CA section of the report, or in the regular creditor section?
Does anyone know the effect on disputing online with CSC if you do not have the full account no? I want to start because I am sick of waiting for my hard copy report, but the account numbers i can get off PG are not complete. Should I wait, or dispute with only partial account no's?
They will just tell you that local law enforcement will handle your case and seek damages from the person who did it.
(A jar of salsa is nice but it's not that great right out of the bottle.
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My mother in law is telling us that we need to buy 2 rent houses to add to the other 2 before we buy our own home.
Picantel I had no problems with him either, but he has further stated that that remark was aimed directly at me lol..
I had a repo in 99 that was reaged in March to make it look like it happened infeb...of THIS year!
(Loans without teletrack approval) Since then, our situation has dramatically changed and I am researching for some answers to a couple of questions that I have to determine our best possible choice of options now in order to be able to get another mortgage in 2 to 3 years.
Americredit actually followed the law and put a notation "consumer disputes accuont information" on all of my reports...when I didn't.
And of course, they haven't sent me another preapproval like all the others do if you don't take the first offer.
Picantel I had no problems with him either, but he has further stated that that remark was aimed directly at me lol..
I had a repo in 99 that was reaged in March to make it look like it happened infeb...of THIS year!
(Loans without teletrack approval) Since then, our situation has dramatically changed and I am researching for some answers to a couple of questions that I have to determine our best possible choice of options now in order to be able to get another mortgage in 2 to 3 years.
Americredit actually followed the law and put a notation "consumer disputes accuont information" on all of my reports...when I didn't.
And of course, they haven't sent me another preapproval like all the others do if you don't take the first offer.
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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.
Look for the thread on amex minimum approval criteria, it was recently discussed.
Or they just call you in for a deposition in aid of execution and ask about your assets, try a surprise garnishment on wages or bank accounts, etc. You need to make them think that any payment will not be coming from your own resources .
(Personal loans 28no questions asked 29) I have heard this also, but some card companies play around a little with this.
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I understand that with a few unsuccessfully attempts will affect your overall credit score but like "Wiggums" stated he dropped his interest payment from 14% to 6.5. With a savings like that wouldn't it be worth it to look around and see what I could get?
Look for the thread on amex minimum approval criteria, it was recently discussed.
Or they just call you in for a deposition in aid of execution and ask about your assets, try a surprise garnishment on wages or bank accounts, etc. You need to make them think that any payment will not be coming from your own resources .
(Personal loans 28no questions asked 29) I have heard this also, but some card companies play around a little with this.
waalien for extra skins, great ideas, and soon to be unveiled html pages.[lis
I understand that with a few unsuccessfully attempts will affect your overall credit score but like "Wiggums" stated he dropped his interest payment from 14% to 6.5. With a savings like that wouldn't it be worth it to look around and see what I could get?
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Thanks for that info..I'd like to start the dispute process, because 3 more calls got me nothing...
Is it enough for me to say to not call me at home or work or does this have to be in writing? Have others in this situation simply gotten caller ID and screened all their calls?
Until recently my lead-footed older son was on my auto insurance policy .
(Easy qualifying bad credit instant loan) CONTRACTING FOR, CHARGING, OR RECEIVING INTEREST OR TIME PRICE DIFFERENTIAL; USURIOUS INTEREST.
NCO COLLECTED ALOT OF MONEY AND NEVER FORWARDED THE MONEY TO THE CREDITOR AFTER 5 YEARS AND YES I KNOW ITS AGAINST FRCA
My allegation is that CA was in receipt of dispute/validation request and failed to report account as disputed.
Is it enough for me to say to not call me at home or work or does this have to be in writing? Have others in this situation simply gotten caller ID and screened all their calls?
Until recently my lead-footed older son was on my auto insurance policy .
(Easy qualifying bad credit instant loan) CONTRACTING FOR, CHARGING, OR RECEIVING INTEREST OR TIME PRICE DIFFERENTIAL; USURIOUS INTEREST.
NCO COLLECTED ALOT OF MONEY AND NEVER FORWARDED THE MONEY TO THE CREDITOR AFTER 5 YEARS AND YES I KNOW ITS AGAINST FRCA
My allegation is that CA was in receipt of dispute/validation request and failed to report account as disputed.
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Likely they didn't REALLY verify or it wouldn't have been deleted from the other 2 and you wouldn't have received only a copy of an application as an attempt at validation and from someone who doesn't own the debt.
Consumers directly affected by the suit will be notified by early August.
I asked about reporting and the woman said she has no control over it and that it is done automatically in the system.
(No bank account cash advance) I think they shot themselves in the foot by changing the trade line to $0 owed, when we didn't pay them anything.
My question is this, if I mail a copy of this check to the person it belongs to with a copy of the FDCPA, what would their recourse be.
Consumers directly affected by the suit will be notified by early August.
I asked about reporting and the woman said she has no control over it and that it is done automatically in the system.
(No bank account cash advance) I think they shot themselves in the foot by changing the trade line to $0 owed, when we didn't pay them anything.
My question is this, if I mail a copy of this check to the person it belongs to with a copy of the FDCPA, what would their recourse be.
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I probably could have done a little bit better, but this is good enough.
Thankfully, our monthly "debts" are low but between childcare, rent, insurance, medical,groceries and utilities etc there isn't a lot each month left over to save.
If you just attempt to bargin in good faith the CA will eat you alive and then spit out your financial future.
(Quick cash instant approval bad credit) Most of the stuff has pretty decent potential for disappearing eventually, I think. But I'm out of time. I need it gone today.
It's just difficult sometimes to interpret the laws and to remember everything you read.
It also keeps me from getting in over my head while allowing me to perpetuate a good history....
I know he may feel like a failure, we all do, we all have our days, but I just can't tell you how much of a change it made. My DH was a wreck and he too was the one who fought it too, FOR THE 9 MONTHS!!!! I pay the bills, so I see where the money goes, and then whre it didn't go because we didn't have it. Our home was at the 45 day mark to foreclosure, thank GOD we had a plan, sold the last of a crappy stock we had and were able to keep our home. Our neighbors and friends know NOTHING, we just told them with the changes in job and income, some things have to go, as far as the Jeep was concerned. We kept our home, furniture, my jewelry, not that I have alot, but I do have a couple of nice things, however, you can't sell or pawn them for squat, which teaches me that I will never spend a dime on another diamond.
Thankfully, our monthly "debts" are low but between childcare, rent, insurance, medical,groceries and utilities etc there isn't a lot each month left over to save.
If you just attempt to bargin in good faith the CA will eat you alive and then spit out your financial future.
(Quick cash instant approval bad credit) Most of the stuff has pretty decent potential for disappearing eventually, I think. But I'm out of time. I need it gone today.
It's just difficult sometimes to interpret the laws and to remember everything you read.
It also keeps me from getting in over my head while allowing me to perpetuate a good history....
I know he may feel like a failure, we all do, we all have our days, but I just can't tell you how much of a change it made. My DH was a wreck and he too was the one who fought it too, FOR THE 9 MONTHS!!!! I pay the bills, so I see where the money goes, and then whre it didn't go because we didn't have it. Our home was at the 45 day mark to foreclosure, thank GOD we had a plan, sold the last of a crappy stock we had and were able to keep our home. Our neighbors and friends know NOTHING, we just told them with the changes in job and income, some things have to go, as far as the Jeep was concerned. We kept our home, furniture, my jewelry, not that I have alot, but I do have a couple of nice things, however, you can't sell or pawn them for squat, which teaches me that I will never spend a dime on another diamond.
czwartek, 31 stycznia 2008
cash advacne loan e blogger
Builders often borrow to buy the site, so interest and lender fees also are figured into the lot price. Land costs include off-site improvements, such as building water and sewer lines to existing service that could be up to a mile away and even an off-site pumping station.
This morning I awake to find that Crapitol One has added a negative TL to my report dropping my score from the low 600's down to the mid 500's.
Note: Before I start this post, I am sharing this information only because there is so much concern about privacy and I thought it would truly be helpful for some. If you don't feel this post applies to you, forgive the inconvenience.
(Cash advacne loan e blogger) When I was complaining about this on another board, one poster suggested that I make a copy of my DL, SS card and utility bill and send it in with the dispute, that way they really can't contact you again and stall, as you are sending in the information they require.
This morning I awake to find that Crapitol One has added a negative TL to my report dropping my score from the low 600's down to the mid 500's.
Note: Before I start this post, I am sharing this information only because there is so much concern about privacy and I thought it would truly be helpful for some. If you don't feel this post applies to you, forgive the inconvenience.
(Cash advacne loan e blogger) When I was complaining about this on another board, one poster suggested that I make a copy of my DL, SS card and utility bill and send it in with the dispute, that way they really can't contact you again and stall, as you are sending in the information they require.
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When I applied for chase online. I had to wait the whole ten days before they sent me an email stating I was approved for 1500.00. It's been 9 days sice I was approved and I still havent got my card yet. They pulled TU and on my split files I had a 650 on my good report and 600 on my bad report. , so hopefully, I'll be approved. I have no derogs on my report, but utilization is high.
They are allowed to disclose a limited amount of information for the purpose of collecting only.
"worst advice: someone told me to dispute a tradeline and the CRA still verified it.
(Seured personal loans) And since when do they figure in CLOSED accounts?? I actually closed some HELP my score!! I only have 4 OPEN at this point, and I am still being penalized for past accounts?!?!
They are allowed to disclose a limited amount of information for the purpose of collecting only.
"worst advice: someone told me to dispute a tradeline and the CRA still verified it.
(Seured personal loans) And since when do they figure in CLOSED accounts?? I actually closed some HELP my score!! I only have 4 OPEN at this point, and I am still being penalized for past accounts?!?!
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My point is that if you have already opened an account, you mite as well leave it open.
I would like to dispute this again and include the Termination of Lein but am afraid to send it as it was notarized August 2002.
I might have found a lender that will work with me on investment loans and our home loan too....he is supposed to call me on Monday.
(5 000 no credit check loan) For the record, I faxed 2nd DV last week to NCO, NO NOTATIONS TO THE DISPUTE are showing....for either NCO or Marlin!!
I'm of the mindset that I'd LOVE to see what lenders would say, and what my score would be, if I had NO hard inquiries at all. I mean, I HATE the credit game. I'm realizing it's good for cash flow, particularly in my case, where I have a large number business expenditures that I am currently paying out of my own personal accounts and being reimbursed, which limits the uses I have with my own cash.
She and I also had a nice conversation about CA's re-inserting, and validation and the FDCPA.
It's completely untrue that the negatives will stay past the original 7 years from when
Can you verify if I flushed and washed my hands today, I believe I'm allowed to go 4 times a day and you are reporting I went 6!!!!!!!!!!!
Well, I called Amex way before I found this board and didn't know anything.
I would like to dispute this again and include the Termination of Lein but am afraid to send it as it was notarized August 2002.
I might have found a lender that will work with me on investment loans and our home loan too....he is supposed to call me on Monday.
(5 000 no credit check loan) For the record, I faxed 2nd DV last week to NCO, NO NOTATIONS TO THE DISPUTE are showing....for either NCO or Marlin!!
I'm of the mindset that I'd LOVE to see what lenders would say, and what my score would be, if I had NO hard inquiries at all. I mean, I HATE the credit game. I'm realizing it's good for cash flow, particularly in my case, where I have a large number business expenditures that I am currently paying out of my own personal accounts and being reimbursed, which limits the uses I have with my own cash.
She and I also had a nice conversation about CA's re-inserting, and validation and the FDCPA.
It's completely untrue that the negatives will stay past the original 7 years from when
Can you verify if I flushed and washed my hands today, I believe I'm allowed to go 4 times a day and you are reporting I went 6!!!!!!!!!!!
Well, I called Amex way before I found this board and didn't know anything.
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A Homeland Security official said passengers would probably be able to find out why they were kept off flights as long as they did not see intelligence reports and other classified information, which would be handled by an ombudsman.
SO many people have problems that its amazing another Howard Jarvis hasn't appeared on the scene.
We've faced foreclosure 2x now and a third attempt was made but I was able to prove the mortgage company was in the wrong. We were put in a payment plan 2x the amount of our original payment. We can't take it any longer. Credit cards have gone to collection agencies. We went without food. We lost our car. Anyway in doing some more research on foreclosure and help on the internet, I came across Intelligent Foreclosure Solution. Has anyone heard of them. The BBB doesn't have anything. I called and talked to someone and from what the man said a great deal correlates with what I've seen here. But before I go with them for help I just wanted to know if someone here has any knowledge of them.
(Home loans bad credit) that to get a CL increase on my card, I would have to have a 680 score.
The guy said he would delete, but didn't DH's going to call again tomorrow.
But, admin is on top of things...and we DO have a notification system implemented, so when things happen, we can always contact admin.
SO many people have problems that its amazing another Howard Jarvis hasn't appeared on the scene.
We've faced foreclosure 2x now and a third attempt was made but I was able to prove the mortgage company was in the wrong. We were put in a payment plan 2x the amount of our original payment. We can't take it any longer. Credit cards have gone to collection agencies. We went without food. We lost our car. Anyway in doing some more research on foreclosure and help on the internet, I came across Intelligent Foreclosure Solution. Has anyone heard of them. The BBB doesn't have anything. I called and talked to someone and from what the man said a great deal correlates with what I've seen here. But before I go with them for help I just wanted to know if someone here has any knowledge of them.
(Home loans bad credit) that to get a CL increase on my card, I would have to have a 680 score.
The guy said he would delete, but didn't DH's going to call again tomorrow.
But, admin is on top of things...and we DO have a notification system implemented, so when things happen, we can always contact admin.
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Include a copy of the letters you have sent to the CRA's and a copy of the green cards.
We as brokers still get the generous SRP from the VA on these loans so most IRRR loans should be no cost loans for you and does not require an appraisal!
Chances are they won't give you anything - then you send copies of EVERYthing and an ITS letter.
(Same day payout loan) One other thought, all the letters from this so called collection agency are addressed to "The Parents of [my nam" Maybe I should say my 6 year old filled out the subscription and he's been grounded.
But it bugs me to think "what if this was a CA that was going to lie to experian anyway"
We as brokers still get the generous SRP from the VA on these loans so most IRRR loans should be no cost loans for you and does not require an appraisal!
Chances are they won't give you anything - then you send copies of EVERYthing and an ITS letter.
(Same day payout loan) One other thought, all the letters from this so called collection agency are addressed to "The Parents of [my nam" Maybe I should say my 6 year old filled out the subscription and he's been grounded.
But it bugs me to think "what if this was a CA that was going to lie to experian anyway"
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My husband loves to point out my hill billy roots when I walk around without any shoes on.
I did figure out the hard way that I couldn't upload from my computer, the image has to be in cyberland somewhere.
Once they have received your dispute, they must investigate the reported info and, they must also report the acct as disputed with the cra's.
(Cashpoint advance) I will dispute old addresses and other invalid information but I do not know how to WORD the disputes for the paid collections.
Then you get cut off if you haven't paid by then, which also incurs a reconnect charge which severely eats into one's investment profits.
Have you checked your state and the state of the CA to see if they are legal?
I am not sure if how the accounts that were included in you BK are listed impact your score but I suspect they do. Because the creditors are not entitled to any money after BK they have nothing to gain by fighting so I have found that after some disputes all my accounts that were included in BK are all listed as just included in CH 7 BK or something similar.
I did figure out the hard way that I couldn't upload from my computer, the image has to be in cyberland somewhere.
Once they have received your dispute, they must investigate the reported info and, they must also report the acct as disputed with the cra's.
(Cashpoint advance) I will dispute old addresses and other invalid information but I do not know how to WORD the disputes for the paid collections.
Then you get cut off if you haven't paid by then, which also incurs a reconnect charge which severely eats into one's investment profits.
Have you checked your state and the state of the CA to see if they are legal?
I am not sure if how the accounts that were included in you BK are listed impact your score but I suspect they do. Because the creditors are not entitled to any money after BK they have nothing to gain by fighting so I have found that after some disputes all my accounts that were included in BK are all listed as just included in CH 7 BK or something similar.
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I know you mentioned Fleet, and I know they all don't work the same, but I would imagine they could.
Can I apply with the companies who I disputed their inquiries with in the future?
I'm certain that others will have better advice for you, so hang in there.
(Cash loans in 24 hours) If you have 2 pg accounts like I now have it does not give you double soft inquiries at least on equifax.
We, all of us, are the product of our life experiences and surroundings.
Can I apply with the companies who I disputed their inquiries with in the future?
I'm certain that others will have better advice for you, so hang in there.
(Cash loans in 24 hours) If you have 2 pg accounts like I now have it does not give you double soft inquiries at least on equifax.
We, all of us, are the product of our life experiences and surroundings.
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Oh well, I'll try to give them a call tomorrow and see what they say.
Ive allready saved enough in hotel bills to pay for the hmm , I thinks its $30 a yer in fees for the premium card.
Thanks again for your input. I was wondering if you think 6.5% is too high for a fixed, no down, 30 year, 100% financing? To be honest, I'm not sure how long I plan on staying in the house. It will be my 1st house and its a real nice one. Construction should be completed within 2 months. I'm sure if another house comes along and it is better than mine, I will pounce on it:) Of course this all depends on the equity in my house. I bought the house 3 months ago for 341k upgrades. The same house is now being sold for 354k. Thus, I'm already up 13k! This is the 1st phase btw and there should be 6-7 more phases. Its gonna be a large development, 800 homes or so. Thus, I should have no problems buiding equity in the house. I dont think there are any penalties in refinancing the home if I decide to go with the ARM. I was wondering if the ARM is related to the 30 year rate somehow. I dont think they are. Is the ARM always cheaper than the 30 year fixed? In other words, lets say 5 years down the road, the 30 year fixed is at 7-8%. Would the ARM be adjusted to that? Or would the ARM be cheaper than the 30 year rate. I hope I am making sense. Thanks again.
(Cash advance that approve meta bank) Previously financed w/ same Lender. I fell behind, car charged off. But, paid them in full AFTER charge off...hence why they gave me another chance.
I don't know the rest of the story.i.e, bankruptcies or collections, though.
Does anyone know the effect on disputing online with CSC if you do not have the full account no? I want to start because I am sick of waiting for my hard copy report, but the account numbers i can get off PG are not complete. Should I wait, or dispute with only partial account no's?
Ive allready saved enough in hotel bills to pay for the hmm , I thinks its $30 a yer in fees for the premium card.
Thanks again for your input. I was wondering if you think 6.5% is too high for a fixed, no down, 30 year, 100% financing? To be honest, I'm not sure how long I plan on staying in the house. It will be my 1st house and its a real nice one. Construction should be completed within 2 months. I'm sure if another house comes along and it is better than mine, I will pounce on it:) Of course this all depends on the equity in my house. I bought the house 3 months ago for 341k upgrades. The same house is now being sold for 354k. Thus, I'm already up 13k! This is the 1st phase btw and there should be 6-7 more phases. Its gonna be a large development, 800 homes or so. Thus, I should have no problems buiding equity in the house. I dont think there are any penalties in refinancing the home if I decide to go with the ARM. I was wondering if the ARM is related to the 30 year rate somehow. I dont think they are. Is the ARM always cheaper than the 30 year fixed? In other words, lets say 5 years down the road, the 30 year fixed is at 7-8%. Would the ARM be adjusted to that? Or would the ARM be cheaper than the 30 year rate. I hope I am making sense. Thanks again.
(Cash advance that approve meta bank) Previously financed w/ same Lender. I fell behind, car charged off. But, paid them in full AFTER charge off...hence why they gave me another chance.
I don't know the rest of the story.i.e, bankruptcies or collections, though.
Does anyone know the effect on disputing online with CSC if you do not have the full account no? I want to start because I am sick of waiting for my hard copy report, but the account numbers i can get off PG are not complete. Should I wait, or dispute with only partial account no's?
loans for only 300 dollars
OC may be waiting for your repsonse to get back to cra...if no response, then you may get deletion.
Tell 'em the judgment is reporting, and it's not right to have 3 negative TLs ... see if you get any traction that way.
I receive fax today and it states that I have been 90 days late 1 time, and 30 days twice...............geez
(Loans for only 300 dollars) If they gave the CA's the account, are the OC's showing 0 balances?, open, etc.......you can use that if they aren't 0, and are open, etc........
The no GFE within 3 days of either application of credit inquiry is another area of non-compliance.
Tell 'em the judgment is reporting, and it's not right to have 3 negative TLs ... see if you get any traction that way.
I receive fax today and it states that I have been 90 days late 1 time, and 30 days twice...............geez
(Loans for only 300 dollars) If they gave the CA's the account, are the OC's showing 0 balances?, open, etc.......you can use that if they aren't 0, and are open, etc........
The no GFE within 3 days of either application of credit inquiry is another area of non-compliance.
big limited cash advance
- but then my second bid, which was only $20 more per person, was accepted, which made me wonder if their system doesn't just reflexively do that for most first bids.
On the next page, you then click on 'view my past reports', it is the second link in the middle of the page.
High-speed computer search programs troll the databases, looking for accounts and loans with the same information.
(Big limited cash advance) Note that this does not work if you are dialing an 800#, they'll still get your number.
I will keep copies of all the complaints, etc, and forward those via crrr to sprint/ca AFTER I receive validation.
On the next page, you then click on 'view my past reports', it is the second link in the middle of the page.
High-speed computer search programs troll the databases, looking for accounts and loans with the same information.
(Big limited cash advance) Note that this does not work if you are dialing an 800#, they'll still get your number.
I will keep copies of all the complaints, etc, and forward those via crrr to sprint/ca AFTER I receive validation.
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Of course, it could be a combo of both reasons, but I do know for fact that a decrease in available credit is a score killer.
Right now some say "Account charged off", a couple of "Reposession" and several bank cards say "Past due 150 days" after the "BK" part.
I have already made the manager mad, so I don't want to push him much more, but I do want to protect myself.
(Loans for low credit applicants) Well, I guess I should have told the friend what I was doing bc this tradeline was verified in about 1 week.
You tried to do the right thing by paying the amounts that you were offered.
On EQ, are they listing in the CA section of the report, or in the regular creditor section?
Would it be worth it to ask the CAs for validation and hope the takeover prevents the new company from validating?
Right now some say "Account charged off", a couple of "Reposession" and several bank cards say "Past due 150 days" after the "BK" part.
I have already made the manager mad, so I don't want to push him much more, but I do want to protect myself.
(Loans for low credit applicants) Well, I guess I should have told the friend what I was doing bc this tradeline was verified in about 1 week.
You tried to do the right thing by paying the amounts that you were offered.
On EQ, are they listing in the CA section of the report, or in the regular creditor section?
Would it be worth it to ask the CAs for validation and hope the takeover prevents the new company from validating?
private loans with ok credit
Perhaps this is obvious ... but a way to get your utilization down without really changing your debt is to ask your current creditors if they can increase your credit limits ....
Wherefore, Plaintiff prays for judgment against the defendant as follows:
Read the top stickie threads in this forum and ask any questions you have had.
(Private loans with ok credit) What's laughable is the "proof" they sent me in response to hubby's validation request. Their "proof" of responsibility for one of the debts is a copy of a handwritten accounting ledger that has my former married name scribbled on it. Nowhere on the paper does it even mention the name of the OC! Another one is a copy of a medical acctg ledger with my former married name on it and my ex-hubby's name on the bottom as the insured!!!
SUSAN is informed and believes and thereon alleges all claims for relief in the Complaint herein are barred, in whole or in part, by the applicable statute of limitations.
Wherefore, Plaintiff prays for judgment against the defendant as follows:
Read the top stickie threads in this forum and ask any questions you have had.
(Private loans with ok credit) What's laughable is the "proof" they sent me in response to hubby's validation request. Their "proof" of responsibility for one of the debts is a copy of a handwritten accounting ledger that has my former married name scribbled on it. Nowhere on the paper does it even mention the name of the OC! Another one is a copy of a medical acctg ledger with my former married name on it and my ex-hubby's name on the bottom as the insured!!!
SUSAN is informed and believes and thereon alleges all claims for relief in the Complaint herein are barred, in whole or in part, by the applicable statute of limitations.
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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.
I can't believe one company has me listed 5 times 60 days late, 1 times 30 and 1 time 90 days.
So if it's a chargeoff, whether or not the late history shows makes no impact on FICO. At least in this case. So just ignore PG making the change (like we didn't already know this! LOL but TU is my best score and i was gonna be MAJOR PO'd if PG would have been right.
(Loan without ssn) Wherefore, Plaintiff prays for judgment against the defendant as follows:
We will need some wordly guidence since we are heading for a nuclear showdown.
Second, you're saying it would be better for me to go for the loan in my name with one income instead of using the VA loan with both of our incomes?
I disputed two of the debts with Experian this week because the amount is wrong on one and try to get it in writing.
The office the OC turned the paperwork into shows they office to be a "professional association company." The office I have had to correspond with is listed as "a domestic profit company." Both are behind on their state registrations.
I can't believe one company has me listed 5 times 60 days late, 1 times 30 and 1 time 90 days.
So if it's a chargeoff, whether or not the late history shows makes no impact on FICO. At least in this case. So just ignore PG making the change (like we didn't already know this! LOL but TU is my best score and i was gonna be MAJOR PO'd if PG would have been right.
(Loan without ssn) Wherefore, Plaintiff prays for judgment against the defendant as follows:
We will need some wordly guidence since we are heading for a nuclear showdown.
Second, you're saying it would be better for me to go for the loan in my name with one income instead of using the VA loan with both of our incomes?
I disputed two of the debts with Experian this week because the amount is wrong on one and try to get it in writing.
The office the OC turned the paperwork into shows they office to be a "professional association company." The office I have had to correspond with is listed as "a domestic profit company." Both are behind on their state registrations.
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If you request validation, after, and they cant provide it...which, it sounds like they did when they provided you with a contract and docs...which happens to show that the OC could assign it...then they would not have further PP...and if they pulled again, knowing that, then you'd have a violation, IMO...
Does he understand that these are clear violations?
Not all lenders are the same but this is an explination from one of the lenders I use.There are always exceptions but for the majority this is how it works:
(Online canadian cash advances) Believe it or not, many studies have been done re: the effects of "tithing"/ giving money unselfishly to causes one believes in. It seems 3-10% if the range needed to get "effective" results. Even the evil "powers that be" understand this principle. That's why give they give millions to "charitable" causes as "humanitarians" whether they are or aren't.
In June, First USA changed the status on both accounts to charged off accounts/profit and loss writeoff with past due balances and balances due. I sent a letter to First USA requesting that they change the status back to the correct one which is included in BK with no balances.
first horizon is a company i was taliign to friday they seem to have their stuff together.
Does he understand that these are clear violations?
Not all lenders are the same but this is an explination from one of the lenders I use.There are always exceptions but for the majority this is how it works:
(Online canadian cash advances) Believe it or not, many studies have been done re: the effects of "tithing"/ giving money unselfishly to causes one believes in. It seems 3-10% if the range needed to get "effective" results. Even the evil "powers that be" understand this principle. That's why give they give millions to "charitable" causes as "humanitarians" whether they are or aren't.
In June, First USA changed the status on both accounts to charged off accounts/profit and loss writeoff with past due balances and balances due. I sent a letter to First USA requesting that they change the status back to the correct one which is included in BK with no balances.
first horizon is a company i was taliign to friday they seem to have their stuff together.
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UP card - "processing application" should know in the mail.
Lost it to credit repair that is.
Hi guys. I have to go through CSC to dispute my Equifax stuff. Anyway, I disputed an Asset Acceptance account and I got the letter from CSC saying that it was "deleted", however, in the "updated" report that they sent in the SAME envelope, the Asset Acceptance account was still on there.
(Cash advance no checking required) Enhanced disclosure of the means to opt out of prescreened records,
I only have a few baddys on my cr. Just trying to get some ideas on getting Providian and Asset off my reports :evil: ..
My mom had a book years ago. I can't remember what it was called. Probably something as simple as how to identify prescription drugs :shock: . All I can remember is that it got me in big trouble. I was 20 and had just moved back in with them after divorce #1. Mom found a birth control pill I had forgotten to take on my night stand and looked it up in her book. The only problem was the only writing on it was the maker so she looked up Searle and found phenobarbitol and thats what she thought I was taking. Boy, did the spit hit the fan.
Dug out a report from three years ago where accounts were reported by FIRSTUSA as in bk.
Lost it to credit repair that is.
Hi guys. I have to go through CSC to dispute my Equifax stuff. Anyway, I disputed an Asset Acceptance account and I got the letter from CSC saying that it was "deleted", however, in the "updated" report that they sent in the SAME envelope, the Asset Acceptance account was still on there.
(Cash advance no checking required) Enhanced disclosure of the means to opt out of prescreened records,
I only have a few baddys on my cr. Just trying to get some ideas on getting Providian and Asset off my reports :evil: ..
My mom had a book years ago. I can't remember what it was called. Probably something as simple as how to identify prescription drugs :shock: . All I can remember is that it got me in big trouble. I was 20 and had just moved back in with them after divorce #1. Mom found a birth control pill I had forgotten to take on my night stand and looked it up in her book. The only problem was the only writing on it was the maker so she looked up Searle and found phenobarbitol and thats what she thought I was taking. Boy, did the spit hit the fan.
Dug out a report from three years ago where accounts were reported by FIRSTUSA as in bk.
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Secondly, you are definitely in the right place to get all the help you will need. This soon after BK7 most likely your only hope of a CC would be a secured card. Try doing a search on secured cards and read as much info as you can on this board to try to find the one that has the least amount of negatives to it.
Some basic words of advice:
But then they would also have to cease all collection activity because they didnt reply right? then if they did put it on your credit report you would challage it with CRA, if the CA verified it is a collection activity? therefore they commit a violation for not answering.
(My instant cash machine) is it doable? or am I dreaming?
What is a validation letter? I checked the sample letters section and didn't find anything that sounded appropriate.
Some basic words of advice:
But then they would also have to cease all collection activity because they didnt reply right? then if they did put it on your credit report you would challage it with CRA, if the CA verified it is a collection activity? therefore they commit a violation for not answering.
(My instant cash machine) is it doable? or am I dreaming?
What is a validation letter? I checked the sample letters section and didn't find anything that sounded appropriate.
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