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.
czwartek, 31 stycznia 2008
seured personal loans
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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