Some people have pointed to FDCPA 809, but to me this is during the first 30 days.
When Capital One puts your debt/account out for collection, they give the last phone number they have on file to the collection agency.
One of the other members informed us that she had a long conversation with a rep at EQ. Come to find out...EQ will pretty much delete ANY hard inquiry as long as you dont have an account with them. AWESOME!
(Installment cash credit definition) RICH'S account is confusing it dosen't say closed or charged off is this typical of them?
Just yesterday, our local Sec. of State office in charge of Collection Agency Programs stated basically "oh well". I said, not "oh well", she said that with 521 registered collection agencies in the state that that was alot and they really didn't need anymore. We also talked about California laws and how it would be nice for Oregon to adopt a stronger stance, her comment was that federal laws were all that were necessary. And complaints should be sent to the FTC, who in her opinion, is magic and takes care of all of us little peons. How pathetic that she didn't even know that they do nothing unless there are thousands of complaints.
Sorry Breeze, I should have been more clear, it's NEVER went to a CA, it's actually TXU who verified it back to the CRA.
I personally, would not recommend Mr.Bauer's advice on any legal matters.
poniedziałek, 4 lutego 2008
niedziela, 3 lutego 2008
personal no income loans
Saves having to type all of that info and HOPING to get the questions right.
So the account is still with NCC, but I don't have to deal with them directly.
3 accounts were 'verified' - 2 of these lines are really one in the same.
(Personal no income loans) I just went through my Eq & TU reports, and made a list of all the inaccurate info. I typed a letter and requested the inacc. info be corrected. It has been nearing 30 days for EQ and the only thing I have received from them is a letter stating they had forwarded my complaint to somebody. Do they submit the info to each creditor? Or am I supposed to write a letter to each creditor myself?
I moved up by "The Lakes" area, which is next to Summerlin, when I worked at Citibank.
Although this is indirectly true, I am not responsible for the acct....I wonder how they gotinto my report???
So the account is still with NCC, but I don't have to deal with them directly.
3 accounts were 'verified' - 2 of these lines are really one in the same.
(Personal no income loans) I just went through my Eq & TU reports, and made a list of all the inaccurate info. I typed a letter and requested the inacc. info be corrected. It has been nearing 30 days for EQ and the only thing I have received from them is a letter stating they had forwarded my complaint to somebody. Do they submit the info to each creditor? Or am I supposed to write a letter to each creditor myself?
I moved up by "The Lakes" area, which is next to Summerlin, when I worked at Citibank.
Although this is indirectly true, I am not responsible for the acct....I wonder how they gotinto my report???
allied cash advance court
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.
I did not know I could also get into trouble for helping her....that would NOT be good.....I am not a US Citizen and this may be construed as reason for deportation.....that is wayyyyy scary.
The balance you owe at any given point in time is your existing principal balance plus any accrued interest.
(Allied cash advance court) I disputed an acct on EXP on the 16th, checked the status today and it remains.
If they are reporting inaccurate information they are still liable under the FCRA.
I did not know I could also get into trouble for helping her....that would NOT be good.....I am not a US Citizen and this may be construed as reason for deportation.....that is wayyyyy scary.
The balance you owe at any given point in time is your existing principal balance plus any accrued interest.
(Allied cash advance court) I disputed an acct on EXP on the 16th, checked the status today and it remains.
If they are reporting inaccurate information they are still liable under the FCRA.
sobota, 2 lutego 2008
fast loan for people on benefit holiday
"This is NOT a request for another investigation, ONLY deletion of the account.
The mortgage company is concerned about a lien against the property that they have as security.
For us, they pulled all 3 to see what they were working with...then picked the lenders to forward the info to accordingly.
(Fast loan for people on benefit holiday) FYI CompuCredit is the company that is now the issuer and/or servicer of Emerge and Aspire credit cards.
The mortgage company is concerned about a lien against the property that they have as security.
For us, they pulled all 3 to see what they were working with...then picked the lenders to forward the info to accordingly.
(Fast loan for people on benefit holiday) FYI CompuCredit is the company that is now the issuer and/or servicer of Emerge and Aspire credit cards.
walmart cash paycheck
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 I sent a validation request to a CA for a paid cable bill collection, do they still have to validate?
Either way, it is worth it to get the home loan to negotiate a payoff with the buzzards.
(Walmart cash paycheck) Please attach a copy of any agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Here, 3 threads all yours, the same question, same answers, yet still you call.
If I sent a validation request to a CA for a paid cable bill collection, do they still have to validate?
Either way, it is worth it to get the home loan to negotiate a payoff with the buzzards.
(Walmart cash paycheck) Please attach a copy of any agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Here, 3 threads all yours, the same question, same answers, yet still you call.
reviews of quicken loans
I think I have grounds for a lawsuit, but instead of cash, I was wondering if it would be better to try and settle with them for removal of some hards that were done back to back when I had two of my accounts reconsidered.
It's possible that the lady who made me sign first screwed up, and they're supposed to provide a blank copy for you to read prior to signing, but in the case where they don't, or won't, is it binding?
Rate your over all credit on a scale of 1-10: Post Chapter 7? or prior? Now its a 10 I guess, no lates, doing great with my two credit cards and share secured loan I just took out to help rebuild my credit.
(Reviews of quicken loans) I completely understand and I apologize again for reading too much into your response to me....going back under my rock now!!
If the CA's deleted ,its because they couldnt Validate ,so by law they have to correct the information on your report. . A CSC representative told me yesterday that if a CA deleted an account I will not recieve a report unless I ask for it. Example. COLLECTX deleted off of Experian and CSC without disputing after I sent Estoppel/ITS mix letter. And since I cant view my CSC file online and I dont trust PG that much , I called to dispute Collectx to see if it was still on my file and they told me there wasnt such account on there and after furtur investigating it on her screen she said the CA deleted it and thats when she told me that I wont get a report since they did it. now on that other note I believe that if a CA re-inserts it after they deleted when they couldnt Validate, they are in Violation not the CRA's, reason for my belief is because whenever CA's report new stuff in our reports the CRA does'nt notify us. Now on the other hand if the CRA's deleted it and then its re-inserted then they have an obligation to notifying us because it was an investigation at one point triggered by the consumer,so any outcome of that investigation must be notified. correct me if im wrong please :? .
The Federal Trade Commission Staff Commentary on the Fair Debt Collection Practices Act, The FDCPA, and Spears vs. Brennan
this is actually common, even when the request for deletion is sent, the CRA's can take up to a month to act on it.
It's possible that the lady who made me sign first screwed up, and they're supposed to provide a blank copy for you to read prior to signing, but in the case where they don't, or won't, is it binding?
Rate your over all credit on a scale of 1-10: Post Chapter 7? or prior? Now its a 10 I guess, no lates, doing great with my two credit cards and share secured loan I just took out to help rebuild my credit.
(Reviews of quicken loans) I completely understand and I apologize again for reading too much into your response to me....going back under my rock now!!
If the CA's deleted ,its because they couldnt Validate ,so by law they have to correct the information on your report. . A CSC representative told me yesterday that if a CA deleted an account I will not recieve a report unless I ask for it. Example. COLLECTX deleted off of Experian and CSC without disputing after I sent Estoppel/ITS mix letter. And since I cant view my CSC file online and I dont trust PG that much , I called to dispute Collectx to see if it was still on my file and they told me there wasnt such account on there and after furtur investigating it on her screen she said the CA deleted it and thats when she told me that I wont get a report since they did it. now on that other note I believe that if a CA re-inserts it after they deleted when they couldnt Validate, they are in Violation not the CRA's, reason for my belief is because whenever CA's report new stuff in our reports the CRA does'nt notify us. Now on the other hand if the CRA's deleted it and then its re-inserted then they have an obligation to notifying us because it was an investigation at one point triggered by the consumer,so any outcome of that investigation must be notified. correct me if im wrong please :? .
The Federal Trade Commission Staff Commentary on the Fair Debt Collection Practices Act, The FDCPA, and Spears vs. Brennan
this is actually common, even when the request for deletion is sent, the CRA's can take up to a month to act on it.
personal loan from amscott
The poster is right about discussing it right upfront with a possible future employer.
I made my payments over the phone asking each csr if they would update my account with the CRA's to reflect my new balance. The rep at HHBank said she would fax me a statement on Monday showing my new balance. The rep at Providian stated they would only fax a letter to the mortgage company, not to me. Each csr said the accounts were only updated once a month.
As I stated before Patti, you want to find a way to deal with this without the CA's reporting.
(Personal loan from amscott) I used the Nutcase Letter� on a total of seven paid collections, three on my report and three on DH's report.
No, the OC/CA DOES need authorization UNLESS they currently own the acct.
I made my payments over the phone asking each csr if they would update my account with the CRA's to reflect my new balance. The rep at HHBank said she would fax me a statement on Monday showing my new balance. The rep at Providian stated they would only fax a letter to the mortgage company, not to me. Each csr said the accounts were only updated once a month.
As I stated before Patti, you want to find a way to deal with this without the CA's reporting.
(Personal loan from amscott) I used the Nutcase Letter� on a total of seven paid collections, three on my report and three on DH's report.
No, the OC/CA DOES need authorization UNLESS they currently own the acct.
piątek, 1 lutego 2008
cash loans portland
One of these was a First USA entry that was listed on all six reports.
I personally have had 4 hard-to-deal with CA's eliminated from DH and my report through this licensing board.
I started cleaning up my credit in 12/02 and in 5 months my score went up over 200 points...all i did was disput all the derogs on my credit, no matter if they went off or not the first time, i just keep disputing them and eventually they were gone.
(Cash loans portland) Credit cards generally only have one address attached to the account.
The people I talked to who say a pre-nup is a must usually are women, they want to know that they're not going to get screwed in the end if it goes bad, even though they intend to marry for life.
I personally have had 4 hard-to-deal with CA's eliminated from DH and my report through this licensing board.
I started cleaning up my credit in 12/02 and in 5 months my score went up over 200 points...all i did was disput all the derogs on my credit, no matter if they went off or not the first time, i just keep disputing them and eventually they were gone.
(Cash loans portland) Credit cards generally only have one address attached to the account.
The people I talked to who say a pre-nup is a must usually are women, they want to know that they're not going to get screwed in the end if it goes bad, even though they intend to marry for life.
personal loans for all
Sometimes a company simply reinvents itself, building on a well-known brand to enter new markets. Take WD-40 Co. When Garry O. Ridge took over as CEO in 1997, he didn't want to be just a caretaker of the company's core product, a 50-year-old lubricant. So he made a series of acquisitions, adding products like 3-In-One drip oil and 2000 Flushes toilet bowl cleaner. They may not be sexy, but they've helped generate a 20% return on capital -- and earn the No. 46 spot in Hot Growth. "You need to have a great product, make the end user aware of it, and make it easy to buy," says Ridge.
Guess my main concern is since they did a hard inquiry even if they change it now to a soft inquiry will I get the points back on my FICO score? Seems it doesn't always work that way.
It will cost you more to file but if you have them on multiple violations, look into it.
(Personal loans for all) I feel like calling every company that services that area and shutting down whatever I can, but I won't......
Guess my main concern is since they did a hard inquiry even if they change it now to a soft inquiry will I get the points back on my FICO score? Seems it doesn't always work that way.
It will cost you more to file but if you have them on multiple violations, look into it.
(Personal loans for all) I feel like calling every company that services that area and shutting down whatever I can, but I won't......
quick personal loans melbourne
Go find anywhere in this thread that I disagreed with it being locked at all. Start with the title.
I've been dealing with two collection accounts for services my DW received.
Now the parcel has only enough space for parking for that one-story building.
(Quick personal loans melbourne) They didn't send me an offer to redeem the vehicle, notice of resale, or affadavit to transfer the title.
Reason I say this is because you must be border line and someone is manually reviewing you credit.
I've been dealing with two collection accounts for services my DW received.
Now the parcel has only enough space for parking for that one-story building.
(Quick personal loans melbourne) They didn't send me an offer to redeem the vehicle, notice of resale, or affadavit to transfer the title.
Reason I say this is because you must be border line and someone is manually reviewing you credit.
telecheck scoring
What is proper validation for this type of collection account - a copy of the bounced check?
I'm already signed up with PG and each time I go into the report it says the report date of the day I first pulled it. I do not think it is current. The scores are not accurate either. I pulled my TU through myfico.com and it was much lower than what PG reported.
They put a Discover TL into dispute when we had a scanned version of the Providian CO we were disputing interrupting the two paragraphs of our letter .
(Telecheck scoring) I'm not Christine and I know you are following now what happened, nodding.
I'm already signed up with PG and each time I go into the report it says the report date of the day I first pulled it. I do not think it is current. The scores are not accurate either. I pulled my TU through myfico.com and it was much lower than what PG reported.
They put a Discover TL into dispute when we had a scanned version of the Providian CO we were disputing interrupting the two paragraphs of our letter .
(Telecheck scoring) I'm not Christine and I know you are following now what happened, nodding.
bad credit student loans minnesota
"I demand that you remove the disputed entries, since they are not mine and cant be verified, from my report immediately."
I am going to pay it today because I need to see if that fraud collection has been placed on there.
I don't think I'll be using the Associates Visa card too much after this month since I got AMEX, I'm just waiting to get Blue.
(Bad credit student loans minnesota) I don't think he has a SOL argument. He gave the car back in early 03.
procedures in place to prevent this type of thing ...that is BOGUS...I hope your rant is not in reaction to my input in this thread.
Okeydokey, perhaps American companies will now move their operations back to the US, and Americans will have jobs once again.
In the past I had an attorney for a boyfriend, I had a problem with an insurance company, they had promised to pay for a particular service and I had it in writing before I had the procedure done, well as you can guess, I had the procedure done and the ins didn't pay.
[I would love to serve them and boy am I bummed that I am not in the states because I think this one could be alot of fun.
I am going to pay it today because I need to see if that fraud collection has been placed on there.
I don't think I'll be using the Associates Visa card too much after this month since I got AMEX, I'm just waiting to get Blue.
(Bad credit student loans minnesota) I don't think he has a SOL argument. He gave the car back in early 03.
procedures in place to prevent this type of thing ...that is BOGUS...I hope your rant is not in reaction to my input in this thread.
Okeydokey, perhaps American companies will now move their operations back to the US, and Americans will have jobs once again.
In the past I had an attorney for a boyfriend, I had a problem with an insurance company, they had promised to pay for a particular service and I had it in writing before I had the procedure done, well as you can guess, I had the procedure done and the ins didn't pay.
[I would love to serve them and boy am I bummed that I am not in the states because I think this one could be alot of fun.
moneytree cams
To get your taste of victory, feeling of approval, try getting something from one of your current creditors - it feels just as good to get a CL increase, rate reduction, annual fee waived, or a special BT deal - see if you can get your "fix" that way.
What I think happened is it was in foreclosure and maybe the person who was foreclosed on filed a petition or something and they won't release the title or deed because they are contesting it.
All true. Fair Isaac Company would probably just say that others whom have the same profile as you tend to demonstrate with a high correlation of accuracy predictable payment behaviors. They then quantify your likelihood of future default with neat little number. Don't bother to ask how they do this. They're not required to say, and they won't. You trust them, don't you? There's absolutely no evidence that they may be kowtowing to the folks that provide their profits either�so don�t even go there.
(Moneytree cams) 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.
If I cancel this card now, with a balance, can they still charge me the 10$ monthly maint fee?
Probably by keeping a secret tally of the # of inquiries, rather than actual names of creditors/potential creditors.
IT DEFEATS EVERYTHING THAT ALL OF US HAVE FOUGHT FOR TO GET OUR REPORTS CORRECT. YOUR FICO'S ARE IN THE 700'S AND YOU ARE LOOKING FOR DAMAGES????????????? KISS MY ASS!!!!!!!
What I think happened is it was in foreclosure and maybe the person who was foreclosed on filed a petition or something and they won't release the title or deed because they are contesting it.
All true. Fair Isaac Company would probably just say that others whom have the same profile as you tend to demonstrate with a high correlation of accuracy predictable payment behaviors. They then quantify your likelihood of future default with neat little number. Don't bother to ask how they do this. They're not required to say, and they won't. You trust them, don't you? There's absolutely no evidence that they may be kowtowing to the folks that provide their profits either�so don�t even go there.
(Moneytree cams) 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.
If I cancel this card now, with a balance, can they still charge me the 10$ monthly maint fee?
Probably by keeping a secret tally of the # of inquiries, rather than actual names of creditors/potential creditors.
IT DEFEATS EVERYTHING THAT ALL OF US HAVE FOUGHT FOR TO GET OUR REPORTS CORRECT. YOUR FICO'S ARE IN THE 700'S AND YOU ARE LOOKING FOR DAMAGES????????????? KISS MY ASS!!!!!!!
ten dollar pay day loan com
I need some FCRA/FDCPA/caselaw/etc stating that pulling a report is continued collection and that they don't have PP since they haven't validated.
I was wondering if someone who is familair with closing costs could tell us if these fees look reasonable.
One called me back and the girl told me that she was going to send it through.
(Ten dollar pay day loan com) This is the only way I stumbled on to switch between most recent EQ and TU for the simulator, regardless which was purchased last.
With all the time they have wasted they could easily have solved this issue long ago.
NACA supposedly does not require PMI, down payment, or closing costs.
I don't give a rat's behind 'cause I'm moving in, I'm sick & tired of living in A VAN DOWN BY THE RIVER!!!
I was wondering if someone who is familair with closing costs could tell us if these fees look reasonable.
One called me back and the girl told me that she was going to send it through.
(Ten dollar pay day loan com) This is the only way I stumbled on to switch between most recent EQ and TU for the simulator, regardless which was purchased last.
With all the time they have wasted they could easily have solved this issue long ago.
NACA supposedly does not require PMI, down payment, or closing costs.
I don't give a rat's behind 'cause I'm moving in, I'm sick & tired of living in A VAN DOWN BY THE RIVER!!!
personal loan with no credit check
The specific techniques that you will need will be clear after you are educated on this board.
I would call 1.800.the.card and ask. They would already know. You want to know one way or another. They are pretty slow otherwise, might take 3 weeks to get a letter.
No one will respond to me with a letter stating that I have settled my account with them.
(Personal loan with no credit check) I started this board very recently and am in the second round of validation.
The cover of the fax that is supposedly from the NYPL reads as follows:
Having a bad credit report doesn't make you a terrorist anymore than it makes you a bad driver.
I feel like calling every company that services that area and shutting down whatever I can, but I won't......
I would call 1.800.the.card and ask. They would already know. You want to know one way or another. They are pretty slow otherwise, might take 3 weeks to get a letter.
No one will respond to me with a letter stating that I have settled my account with them.
(Personal loan with no credit check) I started this board very recently and am in the second round of validation.
The cover of the fax that is supposedly from the NYPL reads as follows:
Having a bad credit report doesn't make you a terrorist anymore than it makes you a bad driver.
I feel like calling every company that services that area and shutting down whatever I can, but I won't......
how to get a loan without cosigner
She was just making a pot of coffee for her & her Mom, sterno stove works fine!
Chase account that went bad when I was forced to stay at home with 4 children, including one with a developmental issue and needed full time therapy. As soon as I had time to get a job and came in a position to pay I called Chase to make arrangements. I got a recording saying that law firm BRONSON & MIGLIACCIO were now handling the account and gave a phone number. Wanting to take responsibilty for my screw up it would be used to offer Chase a settlement in return for positive TL or deletion, since I paid $3000 already I am willing to pay CHase the difference out of my own money, but B&M have terrorized me for two years and now that I'm fighting back and PO'd I want to return the favor. What to do? money or no money? is there other violations I can get them on that I haven't thought of??? They've also pulled my report FOUR times! How can B&M do this legally when the account is listed on my report as Collect America??? shouldn't CA be showing on inquiry, instead of another company inquiring FOR them? is this a violation?
I never got better than 15-16 mpg with the explorers or cherokees, even less in town.
(How to get a loan without cosigner) 1 tradeline with perfect history for 2 years would qualify for a AMEX Green, even if we have decent FICO scores?
Can they put an end to it and say 'no more disputing, we've already verified this'.
Of course, they are doing well lately, but i'll be more than happy to add you to the many dedicated Avs fans that i have placed bets against that they will NOT win the Stanley Cup or even the Western Championship.
Does placing it back on the credit report somehow give them the legal grounds to pull your credit?
Chase account that went bad when I was forced to stay at home with 4 children, including one with a developmental issue and needed full time therapy. As soon as I had time to get a job and came in a position to pay I called Chase to make arrangements. I got a recording saying that law firm BRONSON & MIGLIACCIO were now handling the account and gave a phone number. Wanting to take responsibilty for my screw up it would be used to offer Chase a settlement in return for positive TL or deletion, since I paid $3000 already I am willing to pay CHase the difference out of my own money, but B&M have terrorized me for two years and now that I'm fighting back and PO'd I want to return the favor. What to do? money or no money? is there other violations I can get them on that I haven't thought of??? They've also pulled my report FOUR times! How can B&M do this legally when the account is listed on my report as Collect America??? shouldn't CA be showing on inquiry, instead of another company inquiring FOR them? is this a violation?
I never got better than 15-16 mpg with the explorers or cherokees, even less in town.
(How to get a loan without cosigner) 1 tradeline with perfect history for 2 years would qualify for a AMEX Green, even if we have decent FICO scores?
Can they put an end to it and say 'no more disputing, we've already verified this'.
Of course, they are doing well lately, but i'll be more than happy to add you to the many dedicated Avs fans that i have placed bets against that they will NOT win the Stanley Cup or even the Western Championship.
Does placing it back on the credit report somehow give them the legal grounds to pull your credit?
ten dollar cash loans
Whenever I had a problem, I've asked to speak to a supervisor, and got it handled.....
What are you talking about? Is the air too thin where you are? Of course there is an incentive. I've been doing this for over 12 years. Most of my business is referral. Provide crappy service you don't get that referral. Each client is wroth about $10,000 to me over their life time. Because I will most likely do 2-3 loans for them, 2-3 for friends or family of theirs. While many nbew peoplein this business look for one deal at a time, people that last do things differently.
Establishing telephone service allowed the phone company to provide his info to the CRA's, who would have created a credit file on him if he didn't already have one.
(Ten dollar cash loans) The reason my score is low is because I have several new accounts and they are all reporting a balance.
As a buyer if you are trying to negociate default provision i woudl tell you to take a hike.
Now they have 15 days to reply. If they don't and don't delete I THINK I can get them on:
What are you talking about? Is the air too thin where you are? Of course there is an incentive. I've been doing this for over 12 years. Most of my business is referral. Provide crappy service you don't get that referral. Each client is wroth about $10,000 to me over their life time. Because I will most likely do 2-3 loans for them, 2-3 for friends or family of theirs. While many nbew peoplein this business look for one deal at a time, people that last do things differently.
Establishing telephone service allowed the phone company to provide his info to the CRA's, who would have created a credit file on him if he didn't already have one.
(Ten dollar cash loans) The reason my score is low is because I have several new accounts and they are all reporting a balance.
As a buyer if you are trying to negociate default provision i woudl tell you to take a hike.
Now they have 15 days to reply. If they don't and don't delete I THINK I can get them on:
installment cash credit definition
WE havent actually signed the paper work yet just thought I would check to see if anyone has dealt with them.
I think I will have hubby call the guy back and get more info out of him.
I went from 505 to 677 in 2 months and then back to 580 4 months later from that.
(Installment cash credit definition) Generally, you send a validation letter to CA's for them to prove they have a valid and legal right to collect a debt.
They moved:Applied Card Systems is one of the leading credit card account servicing companies in the United States.
I think I will have hubby call the guy back and get more info out of him.
I went from 505 to 677 in 2 months and then back to 580 4 months later from that.
(Installment cash credit definition) Generally, you send a validation letter to CA's for them to prove they have a valid and legal right to collect a debt.
They moved:Applied Card Systems is one of the leading credit card account servicing companies in the United States.
unemployed apply for loan without job
I never got better than 15-16 mpg with the explorers or cherokees, even less in town.
Would it add a bigger punch if I had my atty boyfriend send the follow up letter which you posted here?
I am about to send the following letter to Midland after their refusal to validate a debt.
(Unemployed apply for loan without job) A CA is reporting an unpaid returned check on boyfriend's credit report.
Real bright thinking aint it,,, let potiential terrosist know that they cant withdraw $100k the day before,,, That they need to start drawing it out a month before there plan, in small increments, so as not to draw attention.....
Oh, one last thing I thought of...if you're looking to private owners to purchase a vehicle, go to a great neighborhood and check out what's for sale.
Would it add a bigger punch if I had my atty boyfriend send the follow up letter which you posted here?
I am about to send the following letter to Midland after their refusal to validate a debt.
(Unemployed apply for loan without job) A CA is reporting an unpaid returned check on boyfriend's credit report.
Real bright thinking aint it,,, let potiential terrosist know that they cant withdraw $100k the day before,,, That they need to start drawing it out a month before there plan, in small increments, so as not to draw attention.....
Oh, one last thing I thought of...if you're looking to private owners to purchase a vehicle, go to a great neighborhood and check out what's for sale.
czwartek, 31 stycznia 2008
payday advance via moneygram
My DH and I are sitting with a 15 year balloon mort with an 8.5% int rate.
1) I live with my girlfriend, am not on her lease, pay no rent, and am not sure what home address to give lenders on my application-do I-
Every person I talk to and every site I visit states something different.
(Payday advance via moneygram) BTW, no problem with you naming the company, I just will not comment on any specific lender in this or any other public forum.
The best place to inquire concerning that is in the Credit Forum as that is where the experts tend to reside.
I too, am a big fan of the NOT MINE.. Ya ya.. it not ethical.. by some standards but I dont give a hoot..
1) I live with my girlfriend, am not on her lease, pay no rent, and am not sure what home address to give lenders on my application-do I-
Every person I talk to and every site I visit states something different.
(Payday advance via moneygram) BTW, no problem with you naming the company, I just will not comment on any specific lender in this or any other public forum.
The best place to inquire concerning that is in the Credit Forum as that is where the experts tend to reside.
I too, am a big fan of the NOT MINE.. Ya ya.. it not ethical.. by some standards but I dont give a hoot..
free cash no employment application
Because to really make this work, you've got to follow-up with Bank One, depending on the response or non-response, so leave yourself room to hang Bank One with their nose-picking friends.
I've been receiving monthly bills from MCI, even though I don't have MCI service.
To the original creditor, to the new holder or to the collection agency?
(Free cash no employment application) I will continue observing. I took some good will action on my DW's behalf and will soon do the same on my own. I'm anxious to see what comes of either approach !
If they still want to keep them on your report, the next letter they should get is a summons.
Do they have a "you have applied for credit with us within the past 60 days therefore you will be denied rule"?
If you're looking for a how-to on HTML/XHTML, try one of these sites:
I've been receiving monthly bills from MCI, even though I don't have MCI service.
To the original creditor, to the new holder or to the collection agency?
(Free cash no employment application) I will continue observing. I took some good will action on my DW's behalf and will soon do the same on my own. I'm anxious to see what comes of either approach !
If they still want to keep them on your report, the next letter they should get is a summons.
Do they have a "you have applied for credit with us within the past 60 days therefore you will be denied rule"?
If you're looking for a how-to on HTML/XHTML, try one of these sites:
astrive student loans reviews
It still shows Customer Disputes this acccount on my PG and hasn't come off yet.
I just sent in my intent to sue letter to both faxes. The first went to the pg place at 956-8789. EVERYONE get those intents out now and swamp their fax numbers. We do not have to take this. I did not ask for cash yet but just wanted it fixed. IF we all hit them now they will take us seriously or seriously pay out the cash. go go go
And their letter goes further to state they are reporting them as "chargeoff" status with a balance... when IN FACT they even say in the letter that the account was SOLD... which is contradicting that they can't report a balance when it has been sold..
(Astrive student loans reviews) OK the auto loan that he co signed with me is paid on time, I make the payments.. I guess what I am worried about is will this bank come after me because of the other loans he has with them are delinquent. I am not a co-signed on any of the other loans. Someone from the bank called me and said that if he doesn't pay the other loans it could effect me.
At some point when dad settles the suit, he can throw a stipulation in the settlement agreement "and don't put this on my son's report either!" Or, perhaps a better strategy, just make sure it's off his own reports. The CRAs are probably not into taking the time and trouble to make sure that the judgment TL finds a home.
No, you were right. They both came off a few months ago and were both reinserted. I received my reinsertion notice on day 5. The one that remains does not state paid however - and it has been paid.
On EQ, every time your file gets accessed you will get another soft inquiry.
The only thing I faxed was the last letter, but I also sent it crrr along with copies of the dispute results.
I just sent in my intent to sue letter to both faxes. The first went to the pg place at 956-8789. EVERYONE get those intents out now and swamp their fax numbers. We do not have to take this. I did not ask for cash yet but just wanted it fixed. IF we all hit them now they will take us seriously or seriously pay out the cash. go go go
And their letter goes further to state they are reporting them as "chargeoff" status with a balance... when IN FACT they even say in the letter that the account was SOLD... which is contradicting that they can't report a balance when it has been sold..
(Astrive student loans reviews) OK the auto loan that he co signed with me is paid on time, I make the payments.. I guess what I am worried about is will this bank come after me because of the other loans he has with them are delinquent. I am not a co-signed on any of the other loans. Someone from the bank called me and said that if he doesn't pay the other loans it could effect me.
At some point when dad settles the suit, he can throw a stipulation in the settlement agreement "and don't put this on my son's report either!" Or, perhaps a better strategy, just make sure it's off his own reports. The CRAs are probably not into taking the time and trouble to make sure that the judgment TL finds a home.
No, you were right. They both came off a few months ago and were both reinserted. I received my reinsertion notice on day 5. The one that remains does not state paid however - and it has been paid.
On EQ, every time your file gets accessed you will get another soft inquiry.
The only thing I faxed was the last letter, but I also sent it crrr along with copies of the dispute results.
poor cfedit personal loans
I do not plan to use your form as it does not contain the space needed to file a complete dispute. Also, like many others, I do not print as well as I can type. This saves me time and you confusion in trying to read it. If you worried as much about ensuring correct information, you would not need to worry about people writing their dispute.
I thought I had credit problems... at least my stuff didn't go bad until after I actually opened the accounts!
Denied at Chase because they state they do not loan to anyone with BK listed even if discharged.
(Poor cfedit personal loans) As pointed out above, some of your dispute resolutions may also have benefit to your Innovis file.
I thought I had credit problems... at least my stuff didn't go bad until after I actually opened the accounts!
Denied at Chase because they state they do not loan to anyone with BK listed even if discharged.
(Poor cfedit personal loans) As pointed out above, some of your dispute resolutions may also have benefit to your Innovis file.
cash no teletrack
Takes big needle, numbs wifes breast,,, Takes bigger needle and drains fluid.
Make sure those charge-offs that aren't showing as included aren't reporting any amount due or past due. Dance if someone verifies a balance reporting on a TL that you had discharged, that's a deletion based on a huge violation.
EQ sent me an update on my credit report saying they had deleted an inq.
(Cash no teletrack) Due to the rapid growth of Creditboards, we are expanding our moderator coverage.
20.06. DISPUTE PROCEDURE. a statement that the reinvestigation is complete;
A borrower wrongly saddled with a blemished credit report could be forced to pay a mortgage nearly 3 percentage points higher than a borrower with a clean credit record.
Make sure those charge-offs that aren't showing as included aren't reporting any amount due or past due. Dance if someone verifies a balance reporting on a TL that you had discharged, that's a deletion based on a huge violation.
EQ sent me an update on my credit report saying they had deleted an inq.
(Cash no teletrack) Due to the rapid growth of Creditboards, we are expanding our moderator coverage.
20.06. DISPUTE PROCEDURE. a statement that the reinvestigation is complete;
A borrower wrongly saddled with a blemished credit report could be forced to pay a mortgage nearly 3 percentage points higher than a borrower with a clean credit record.
owner of mte financial
Fleet is in control of this...it is showing up on all three of mines.
I was mostly kidding. I have quite a few on there as it is. I am hopingfor the exxon, I just got the Macy's this morning and I am doing the BofA secured. Then I will chill for a year or so while I fight with CA's and EX.
I don't expect any increae to be that drastic. However, I thought it would help me out as far as the CL goes if the AU account was showing a much higher limit. I would hate to be approved for another card, saying congratulations you're approved for $2,500.
(Owner of mte financial) my insurance company is geico I have used them for about 4 years now is there a way to lower my rates if my CS has inceased?
Solicitation of any kind, through the forums, through private messaging, or through the board's e-mail features will not be tolerated.
I was mostly kidding. I have quite a few on there as it is. I am hopingfor the exxon, I just got the Macy's this morning and I am doing the BofA secured. Then I will chill for a year or so while I fight with CA's and EX.
I don't expect any increae to be that drastic. However, I thought it would help me out as far as the CL goes if the AU account was showing a much higher limit. I would hate to be approved for another card, saying congratulations you're approved for $2,500.
(Owner of mte financial) my insurance company is geico I have used them for about 4 years now is there a way to lower my rates if my CS has inceased?
Solicitation of any kind, through the forums, through private messaging, or through the board's e-mail features will not be tolerated.
usurious moneytree washington
All of the accounts that the addresses could have come from are still on the account.
In order to be able to give you more specific advice, I would need to get more information.
Acutally it was my attorney's idea for me to file individually since my husband owns the house we live in - he bought it long before we were married and my name has never been on the deed. We have a couple of joint cc accounts which are current , I have totally no income of my own. My lawyer thinks there will be no problem, so I'm okay with it for now, every now and then I get a chill that my Ch 7 might get dismissed.
(Usurious moneytree washington) Could the trust properties be considered security, or no, because I don't have full ownership for another 5.5 years?
Have you called the mortgage company and asked when they will report and/or update?
Again, this letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, not a reinvestigation request.
In order to be able to give you more specific advice, I would need to get more information.
Acutally it was my attorney's idea for me to file individually since my husband owns the house we live in - he bought it long before we were married and my name has never been on the deed. We have a couple of joint cc accounts which are current , I have totally no income of my own. My lawyer thinks there will be no problem, so I'm okay with it for now, every now and then I get a chill that my Ch 7 might get dismissed.
(Usurious moneytree washington) Could the trust properties be considered security, or no, because I don't have full ownership for another 5.5 years?
Have you called the mortgage company and asked when they will report and/or update?
Again, this letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, not a reinvestigation request.
pay day cash loans links
I am going to wait until Monday and if it is not off of there then I am going to have to take it to next level.
So heres the deal..how can we turn that heloc into a fixed second? I would suggest going back to the loan guy that put you in the loan and ask what can be done to do it.....and he SHOULD do it for cost......if he Doesnt do it for cost...gimme a call and I will do it for ya......over and over the Heloc is used and it really hurts the borrower. Gimme a call sometime if you need some help on this. On the flip side though WHAT A GREAT HOME eh?
I was wondering the same thing, I got the "Previously Investigated" response but 3 days later got the frivolous letter in the mail saying they believe my latest request was frivolous. This above letter really doesn't mention anything about the frivolous disputes.
(Pay day cash loans links) After all the social security # was never intended for any purpose but a payroll deduction record.
In the Bahamas its not legal....so yes we are denied basic rights.a hetrosexual can go places and hold their partners hand with no problem we have to be careful ...we may end up in jail/ or dead.
So heres the deal..how can we turn that heloc into a fixed second? I would suggest going back to the loan guy that put you in the loan and ask what can be done to do it.....and he SHOULD do it for cost......if he Doesnt do it for cost...gimme a call and I will do it for ya......over and over the Heloc is used and it really hurts the borrower. Gimme a call sometime if you need some help on this. On the flip side though WHAT A GREAT HOME eh?
I was wondering the same thing, I got the "Previously Investigated" response but 3 days later got the frivolous letter in the mail saying they believe my latest request was frivolous. This above letter really doesn't mention anything about the frivolous disputes.
(Pay day cash loans links) After all the social security # was never intended for any purpose but a payroll deduction record.
In the Bahamas its not legal....so yes we are denied basic rights.a hetrosexual can go places and hold their partners hand with no problem we have to be careful ...we may end up in jail/ or dead.
paybycash hack credits
I was in the car business for 13 years. in about every job at a dealership you can think of on the sales side except detail. Ive also worked at the high volumn high pressure stores that that guy writes about in his article. alot of the article is realistic but some is just plain stupid. as far as the one price stores if you want to get into the business what he didnt say is you can go broke there. I enjoyed my time in the business and I dont regret leaving it for the most part. I did love the pressure both the pressure my boss put on me and the pressure I would put on my employees as well as the customers.
Drop the interest rate to 6.9 percent and the monthly payment dips to $197.54 and the interest to $1,853.05, a savings of $573.09.
Having said that, people with your scores have gotten prime cards with a good history of age, etc. Some prime cards may require further verification. All of my cards are prime, and the last one I acquired one year ago required income verification, etc. after seeing the credit limits on the other cards, etc. despite my FICOs being in the 700's. It had something to do with amount of credit lines in proportion to income, etc. and percentage of utilization. Since that time, I have worked continually on reducing the utilization which resulted from remodeling, medical expenses, etc.
(Paybycash hack credits) One of my friends lived in Hawaii back in 87. He bought a car while over there but a few months later he was transferred back to South Carolina. They wouldn't let him bring the car with him for some reason. He turned the car back in. He never paid the deficiency balance. Well, since then the TL fell off his report due to age. But a couple of years ago it reappeared with a new account number but still listing the date opened as 1987.
Drop the interest rate to 6.9 percent and the monthly payment dips to $197.54 and the interest to $1,853.05, a savings of $573.09.
Having said that, people with your scores have gotten prime cards with a good history of age, etc. Some prime cards may require further verification. All of my cards are prime, and the last one I acquired one year ago required income verification, etc. after seeing the credit limits on the other cards, etc. despite my FICOs being in the 700's. It had something to do with amount of credit lines in proportion to income, etc. and percentage of utilization. Since that time, I have worked continually on reducing the utilization which resulted from remodeling, medical expenses, etc.
(Paybycash hack credits) One of my friends lived in Hawaii back in 87. He bought a car while over there but a few months later he was transferred back to South Carolina. They wouldn't let him bring the car with him for some reason. He turned the car back in. He never paid the deficiency balance. Well, since then the TL fell off his report due to age. But a couple of years ago it reappeared with a new account number but still listing the date opened as 1987.
bad credit loans for canadians
if i'm crazy let me know but i had lengthy exchange here about it yesterday. and that was the conclusion.
Any thoughts? I could go Federal I suppose.
Also, I need to bring a list of my living expenses. Rent, auto, insurances, are a fixed amount but I'm not sure how much to claim for items like groceries, clothing, car maintenace, etc. I don't want to claim too low an amount. Can I list my cat's vet expenses? Can I list cable tv? monthly internet fee? Can I keep my mobile phone? Anything I'm not thinkin of?
(Bad credit loans for canadians) I have followed the bankruptcy boards for several weeks, but this one is new to me and I simply decided tonight that I had to start taking some action and not be so intimidated. I'm sorry if this is a really basic question, but would sincerely appreciate some help in dealing with this problem.
They own the http://www.myfico.com site.
If your wife goes first on the loan application, you probably will not have any trouble. I would recommend you go thru the manufacturers captive finance source at the dealership.
fire off that second letter today...and get nasty with them
Any thoughts? I could go Federal I suppose.
Also, I need to bring a list of my living expenses. Rent, auto, insurances, are a fixed amount but I'm not sure how much to claim for items like groceries, clothing, car maintenace, etc. I don't want to claim too low an amount. Can I list my cat's vet expenses? Can I list cable tv? monthly internet fee? Can I keep my mobile phone? Anything I'm not thinkin of?
(Bad credit loans for canadians) I have followed the bankruptcy boards for several weeks, but this one is new to me and I simply decided tonight that I had to start taking some action and not be so intimidated. I'm sorry if this is a really basic question, but would sincerely appreciate some help in dealing with this problem.
They own the http://www.myfico.com site.
If your wife goes first on the loan application, you probably will not have any trouble. I would recommend you go thru the manufacturers captive finance source at the dealership.
fire off that second letter today...and get nasty with them
loan until payday with cirrus
I agree re: waiting the 30 days for investigation completion. Then, I'll slam them for failure to verify, if that's the case. Just pisses me off but I'll get over it.
As I mentioned to you before, I was more than happy to fill this out with a consumer. Still am. However, as you know, borrowers tend to skip a few key points. If something were not to pan out I alway reserve the right to change a quote. How many borrowers did you have that told you they had perfect credit only to find out they do not.
Mortgages are installment loans.
(Loan until payday with cirrus) But before you start shopping for a better loan, make sure your original loan is a simple interest loan. Most, but not all, auto loans are simple interest loans.
National Loan, installment 2 accounts pd. satisfactorily.
As I mentioned to you before, I was more than happy to fill this out with a consumer. Still am. However, as you know, borrowers tend to skip a few key points. If something were not to pan out I alway reserve the right to change a quote. How many borrowers did you have that told you they had perfect credit only to find out they do not.
Mortgages are installment loans.
(Loan until payday with cirrus) But before you start shopping for a better loan, make sure your original loan is a simple interest loan. Most, but not all, auto loans are simple interest loans.
National Loan, installment 2 accounts pd. satisfactorily.
has anyone got a loan with yes loans
Our debts are about 300/month, which includes student loans and credit cards only. We only pay rent right now and cable, electric, internet, auto insurance, all necessities. Other than that we have shed all debts and have maybe a total of 5k between the two of us.
Sorry for the pottymouth...I really hate them.
If they got the judgement on the 29th then 7 days have already passed and I can not go down there tomarrow b/c of work. I have not been officially notified by anyone of this judgement I only found out through a solicitation for BK services that had the info on it. So I called the court to find out something about it and they told me it was done on july 29. I am really getting upset about this cause I can't go there until Tuesday and I want info.
(Has anyone got a loan with yes loans) Anyone see any problems with this?
Problem is that account was originally Providian which Cap 1 bought but never notified me that they bought the account. Therefore, they never even gave me a chance to dispute their erroneous information pertaining to the charge off balance or DOLA. I'm wondering if I should sue Cap 1 and the CRA.
TY Breeze, I appreciate your straight up comments.
Sorry for the pottymouth...I really hate them.
If they got the judgement on the 29th then 7 days have already passed and I can not go down there tomarrow b/c of work. I have not been officially notified by anyone of this judgement I only found out through a solicitation for BK services that had the info on it. So I called the court to find out something about it and they told me it was done on july 29. I am really getting upset about this cause I can't go there until Tuesday and I want info.
(Has anyone got a loan with yes loans) Anyone see any problems with this?
Problem is that account was originally Providian which Cap 1 bought but never notified me that they bought the account. Therefore, they never even gave me a chance to dispute their erroneous information pertaining to the charge off balance or DOLA. I'm wondering if I should sue Cap 1 and the CRA.
TY Breeze, I appreciate your straight up comments.
quickest online approval for a loan nz
That's good information, HealmyCredit, and state specific too!!!!!!!
They told the manager verbally that they had my signature on a release form. She said fine, just fax it over. All they managed to fax over was simply the "request for confirmation", there was no written authorization from me faxed with it.
As to whether he can sue for CA's new reporting to a different CRA ... the answer is yes. The only things that are precluded are things that could have been included in the first case. If your neighbor punches and kicks you, and you sue for the punch but not the kick, you' can't go back and sue for the kick. But if the case has already gone to the judge and he hits you with a shovel, that's a new case you can sue on.
(Quickest online approval for a loan nz) So now I'll have to pay 10.9 BT's and 0% on purchases thru Nov 04, unless of course I get my rate jacked.
DH and I just moved into our house on Saturday and already I am ready to get started on jazzin' things up. Our back yard looks like a beach. I hope we can get some kind of grass to grow. I want to extend the concrete outside to make a bigger patio. I found a swing set the I want to put in for my boys. It's the wooden kind i also want to put in a patio set/swing and plant a few trees. But first we have to level off the back yard. The last owners had a tree removed and now there is a huge hole in the yard. :?
It's for a piece of equipment.
About four years ago I experienced a bank snafu over the course of a few months which resulted in a late payment on a mortgage. Since then I have refinanced twice, so am with a different mortgage servicer , and the others are BOGUS. It would be really nice if ALL the lates disappeared.
They told the manager verbally that they had my signature on a release form. She said fine, just fax it over. All they managed to fax over was simply the "request for confirmation", there was no written authorization from me faxed with it.
As to whether he can sue for CA's new reporting to a different CRA ... the answer is yes. The only things that are precluded are things that could have been included in the first case. If your neighbor punches and kicks you, and you sue for the punch but not the kick, you' can't go back and sue for the kick. But if the case has already gone to the judge and he hits you with a shovel, that's a new case you can sue on.
(Quickest online approval for a loan nz) So now I'll have to pay 10.9 BT's and 0% on purchases thru Nov 04, unless of course I get my rate jacked.
DH and I just moved into our house on Saturday and already I am ready to get started on jazzin' things up. Our back yard looks like a beach. I hope we can get some kind of grass to grow. I want to extend the concrete outside to make a bigger patio. I found a swing set the I want to put in for my boys. It's the wooden kind i also want to put in a patio set/swing and plant a few trees. But first we have to level off the back yard. The last owners had a tree removed and now there is a huge hole in the yard. :?
It's for a piece of equipment.
About four years ago I experienced a bank snafu over the course of a few months which resulted in a late payment on a mortgage. Since then I have refinanced twice, so am with a different mortgage servicer , and the others are BOGUS. It would be really nice if ALL the lates disappeared.
Subskrybuj:
Posty (Atom)