A very bad history - but paid off in 2001 - auto loan was reporting a balance due and past due amount, I disputed with EQ and got a 10 point jump from the removal of those two incorrect items. However, the DW's EQ dispute came back verified so we sent the CYA letter to OC.
Later that day, as the waters reach higher, another boat, and the same response.
This letter keeps it in layman's terms..hoping that's simple enough for them.
(Canadian site cash no employer call) $14,000 is through a credit union as an auto loan for my new Honda Civic, and $11,000 is for student loans I have received in the last year or two.
So if a homeowner has a house they have owned for 30 years, and purchased, for say $50,000, that is now worth $200,000, they are paying taxes on at most $80,000 assessment.
Once you hit the 700 number you are golden but where you are you are in the "tweaner" stage.
czwartek, 31 stycznia 2008
allied cash advance court
I THINK if you send the HIPPA with a partial payment and the rest on the way its the same effect.
I have disputed a few TL a couple of times and am wondering what I should do now.
Question #1 - this last comment about disputing the DOLA - Whats the best way of going about that? I just yesterday sent in a "not mine" dispute regarding this ASSOC / CITI account... If it comes back immediately "verified", should I dispute the DOLA?
(Allied cash advance court) Actually let me take that back, they are lowering it from 12% to 6% but say the actual costs will go up because of our two extension and our payment history.
According to the "Legal Department" at TU, the FCRA does NOT say that they have to mark disputed accounts as "in dispute".
Would a goodwill letter work to get the lates completely elinminated?
$8,500 is a LOT of money to CASH a check and give out CASH for it - especially to a non-depositor.
I have disputed a few TL a couple of times and am wondering what I should do now.
Question #1 - this last comment about disputing the DOLA - Whats the best way of going about that? I just yesterday sent in a "not mine" dispute regarding this ASSOC / CITI account... If it comes back immediately "verified", should I dispute the DOLA?
(Allied cash advance court) Actually let me take that back, they are lowering it from 12% to 6% but say the actual costs will go up because of our two extension and our payment history.
According to the "Legal Department" at TU, the FCRA does NOT say that they have to mark disputed accounts as "in dispute".
Would a goodwill letter work to get the lates completely elinminated?
$8,500 is a LOT of money to CASH a check and give out CASH for it - especially to a non-depositor.
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I will send them some type of letter that she must sign for and see if I can get them on something.
There are several credit monitoring services that allow a new report to be pulled each day.
Thanks. To clarify, I don�t actually intend to litigate this matter. I�m not going for a cash settlement. I just want an accurate CR. From what I�m told, rather than risking a judgment in my favor and pricy litigation so long as I have real violations and actual damages that can be traced to the inaccurate TLs then the CRAs will settle by correcting my CR. As I�m told. I�m not bluffing either, I just don�t anticipate litigation. It�s just too expensive, especially for something that the CRA should lose.
(10 day payday advance) I am not legally obligated to pay the mortgage, but if I want to keep the property, I have to pay it.
In Mahon we see that the court asserts a communication can occur even if it's intended recipient does NOT receive the communication.
There are several credit monitoring services that allow a new report to be pulled each day.
Thanks. To clarify, I don�t actually intend to litigate this matter. I�m not going for a cash settlement. I just want an accurate CR. From what I�m told, rather than risking a judgment in my favor and pricy litigation so long as I have real violations and actual damages that can be traced to the inaccurate TLs then the CRAs will settle by correcting my CR. As I�m told. I�m not bluffing either, I just don�t anticipate litigation. It�s just too expensive, especially for something that the CRA should lose.
(10 day payday advance) I am not legally obligated to pay the mortgage, but if I want to keep the property, I have to pay it.
In Mahon we see that the court asserts a communication can occur even if it's intended recipient does NOT receive the communication.
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Now I have a 120 from 21 months ago that is precluding me from the most favorable interest rate.
On a side note, I wish dh's bofa card would hurry up and get here - it's not reporting yet but they Bt'd almost 2 weeks ago!
If you are looking for judgemental, this is the wrong place. We are here to answer questions and assist. Many people go through tough times. There are a few lenders that will lend right after BK discharge.
(Mte financial refinance debit) Account Name Account Number Date Opened Balance Date Reported Past Due Account Status Comments on Account
Great advice Lester! Just to update, I checked Chase's online approval status and found out I was approved for 6K. Applied on 17th, approved on 20th, they are fast. 0% 12 month BT here I come!
Okay, I'm having trouble with an OC that has no record of an account or when the account was paid , can I validate the date paid with the OC?
We are legally entitled to dispute anything on our records...without having to hint that there may have been fraud involved. There has been MUCH discussion lately, as the e-oscar thing has surfaced and some of us had hawk alerts placed on our files unbenownst to us. Ex sent me something that basically said they placed the alert PER MY REQUEST...which is bs, but too late now.
On a side note, I wish dh's bofa card would hurry up and get here - it's not reporting yet but they Bt'd almost 2 weeks ago!
If you are looking for judgemental, this is the wrong place. We are here to answer questions and assist. Many people go through tough times. There are a few lenders that will lend right after BK discharge.
(Mte financial refinance debit) Account Name Account Number Date Opened Balance Date Reported Past Due Account Status Comments on Account
Great advice Lester! Just to update, I checked Chase's online approval status and found out I was approved for 6K. Applied on 17th, approved on 20th, they are fast. 0% 12 month BT here I come!
Okay, I'm having trouble with an OC that has no record of an account or when the account was paid , can I validate the date paid with the OC?
We are legally entitled to dispute anything on our records...without having to hint that there may have been fraud involved. There has been MUCH discussion lately, as the e-oscar thing has surfaced and some of us had hawk alerts placed on our files unbenownst to us. Ex sent me something that basically said they placed the alert PER MY REQUEST...which is bs, but too late now.
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One more Nana, for the state's Diva, it lists a summary by state specific to medical information and privacy:
Not knowing the scoring models, I'm speaking from the experiences of others, anyway??
Just got home from work and checked the faxes that came in while I was gone.
(Online faxless payday lenders in bc) If you will remember to PM me sometime tomorrow when I am at the office, I will provide mailing address. I do not have it with me at home.
Hey, Rates are almost like buying a car. Let the other know that you are getting quotes. Tell them that company X is offering me this rate without having to buy down points. I did this on my last re-fi and got .50% knocked off and closing cost cut in half.
the average consumer like me simply can't figure it out - if it hadn't been for all the time I've spent on a few credit boards, my guard wouldn't be up - I woulda seen that 0% offer and went WOOOHOOOOO!!!!
Not knowing the scoring models, I'm speaking from the experiences of others, anyway??
Just got home from work and checked the faxes that came in while I was gone.
(Online faxless payday lenders in bc) If you will remember to PM me sometime tomorrow when I am at the office, I will provide mailing address. I do not have it with me at home.
Hey, Rates are almost like buying a car. Let the other know that you are getting quotes. Tell them that company X is offering me this rate without having to buy down points. I did this on my last re-fi and got .50% knocked off and closing cost cut in half.
the average consumer like me simply can't figure it out - if it hadn't been for all the time I've spent on a few credit boards, my guard wouldn't be up - I woulda seen that 0% offer and went WOOOHOOOOO!!!!
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There are some folks who used to work for the IRS who have set up businesses doing this, also.
If someone can actually lower there rate and get the rebate to pay off there pre pay then make sure to look at the SETTLEMENT charges that you would have to pay TWICE within 6 months and find out if this is a good way to go.
I posted this problem looking for someone who might have a claim letter written.
(Reviews apple personal loans) I am formally requesting that you validate all trade line notations you have submitted to any or all major credit reporting agencies by OC for account number XXXXXXX.
Just in case you're in the market for multiple EQ scores with report, the best "bulk" deal I'm aware of is "Doc's deal" //www.creditboards.com/phpBB2/viewtop...opic.php?t=3063
Once paid, it needs to be removed, that keeps everyone's bums covered.
Marital debt is considered any debt created while married by the household. It may never show on his reports....BUT....just because it doesnt show on his reports, doesnt mean the liability isnt there....he can and most likely will be subject to collection activity as well as possibly being subject to lawsuits.
If someone can actually lower there rate and get the rebate to pay off there pre pay then make sure to look at the SETTLEMENT charges that you would have to pay TWICE within 6 months and find out if this is a good way to go.
I posted this problem looking for someone who might have a claim letter written.
(Reviews apple personal loans) I am formally requesting that you validate all trade line notations you have submitted to any or all major credit reporting agencies by OC for account number XXXXXXX.
Just in case you're in the market for multiple EQ scores with report, the best "bulk" deal I'm aware of is "Doc's deal" //www.creditboards.com/phpBB2/viewtop...opic.php?t=3063
Once paid, it needs to be removed, that keeps everyone's bums covered.
Marital debt is considered any debt created while married by the household. It may never show on his reports....BUT....just because it doesnt show on his reports, doesnt mean the liability isnt there....he can and most likely will be subject to collection activity as well as possibly being subject to lawsuits.
6 99 personal loan
Original news story A salary of $123,000 and a seat on the Board of the Federal Reserve wasn't enough to convince computers at the Bank of New York to grant Lawrence B.
The Department notes, however, that a covered entity, and its business associate through its contract, is required to reasonably limit the amount of information disclosed for such purposes to the minimum necessary, where applicable, as well as abide by any reasonable requests for confidential communications and any agreed-to restrictions as required by the Privacy Rule.
But if I'm not allowed in your club, I'll start my own club = PWSABOO$
(6 99 personal loan) This program recognizes the fact that many teachers may not have an established credit or job history because they have recently graduated from college or graduate school.
Take that letter when your opening another account, must banks will honor it, but some still do not.
The Department notes, however, that a covered entity, and its business associate through its contract, is required to reasonably limit the amount of information disclosed for such purposes to the minimum necessary, where applicable, as well as abide by any reasonable requests for confidential communications and any agreed-to restrictions as required by the Privacy Rule.
But if I'm not allowed in your club, I'll start my own club = PWSABOO$
(6 99 personal loan) This program recognizes the fact that many teachers may not have an established credit or job history because they have recently graduated from college or graduate school.
Take that letter when your opening another account, must banks will honor it, but some still do not.
personal loan
If you ever want complete privacy on here, we can have private, hidden forums.
If you are asking me to polish my crystal ball and predict the future...LOL...I am expecting rates will rise by the end of the year, but not drastically.
I run a animal rescue with educational programs and work with disadvantaged/disabled children.....education is where the grants are at!!!
(Personal loan) He lives in a state with CSC, and all three numbers I found for him here go to a voicemail.
We had a VA loan out on a home and put it in the chapter 7, the lawyers said this was the best thing to do for our credit anyway, I called the mortgage company a year ago, she said no, it was a foreclosure, didn't matter if it was in the chapter 7 or not.
IIB can have a later date than the BK if you reaffirmed, or made some other kind of deal and then defaulted.
Here, 3 threads all yours, the same question, same answers, yet still you call.
If you are asking me to polish my crystal ball and predict the future...LOL...I am expecting rates will rise by the end of the year, but not drastically.
I run a animal rescue with educational programs and work with disadvantaged/disabled children.....education is where the grants are at!!!
(Personal loan) He lives in a state with CSC, and all three numbers I found for him here go to a voicemail.
We had a VA loan out on a home and put it in the chapter 7, the lawyers said this was the best thing to do for our credit anyway, I called the mortgage company a year ago, she said no, it was a foreclosure, didn't matter if it was in the chapter 7 or not.
IIB can have a later date than the BK if you reaffirmed, or made some other kind of deal and then defaulted.
Here, 3 threads all yours, the same question, same answers, yet still you call.
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Whether this is coincedence, subconscious programming, etc. is anyone's guess, but there are many testimonials from every religious/philosophical/world view that testifies to this phenomena.
Right now I have about 10 cards showing balances. That alone has cost me a lot of pts. I am paying all but 4 off right now. It is a substantial amount. It will increase my % availabe from 63% to about 80%. When I see the results I'll let you know.
I guess I would've answered her with whatever explanation you had but added a "I've dilligently worked on these issues and I've learned so much. I will never allow an account to fall into such a state again". You were forced to answer for something but maybe that would soften the blow....
(Cash advance no telephone required) I thought if I paid $5 a month it would prevent it from going to collections and this is the only way I can get any type of revenge right now.
I think it will also fit the bill of having disputed with the CRA's in order to try and get this taken care of.
Right now I have about 10 cards showing balances. That alone has cost me a lot of pts. I am paying all but 4 off right now. It is a substantial amount. It will increase my % availabe from 63% to about 80%. When I see the results I'll let you know.
I guess I would've answered her with whatever explanation you had but added a "I've dilligently worked on these issues and I've learned so much. I will never allow an account to fall into such a state again". You were forced to answer for something but maybe that would soften the blow....
(Cash advance no telephone required) I thought if I paid $5 a month it would prevent it from going to collections and this is the only way I can get any type of revenge right now.
I think it will also fit the bill of having disputed with the CRA's in order to try and get this taken care of.
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Just tell him you need a little time and see if something can't be worked out.
I guess I was assuming that Jovic was in the process of negotiating his/her collections and charge-offs.
thing of just the ATM someone got paid to write the program for that how much extra was it to double the program for spanish speakers ?
(Faxless payday loans) For now, print out a copy of that report showing the hard inquiry and put it in a SAFE PLACE!
Oh, and at the bottom, it says the hospital is affiliated with the Lutheran Church and the United Church of Christ -- Just what everyone wants to see in a letter from a Collections Department.
The question is this, I called them last week and disputed a few things.
I am looking for a SUV in the 12-17 thoudsand range, not brand new , and not too much of a gas-guzzler.
I guess I was assuming that Jovic was in the process of negotiating his/her collections and charge-offs.
thing of just the ATM someone got paid to write the program for that how much extra was it to double the program for spanish speakers ?
(Faxless payday loans) For now, print out a copy of that report showing the hard inquiry and put it in a SAFE PLACE!
Oh, and at the bottom, it says the hospital is affiliated with the Lutheran Church and the United Church of Christ -- Just what everyone wants to see in a letter from a Collections Department.
The question is this, I called them last week and disputed a few things.
I am looking for a SUV in the 12-17 thoudsand range, not brand new , and not too much of a gas-guzzler.
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Simply telephone our Customer Service Team toll-free at 749-0731 and a service professional will be happy to cancel your free trial subscription.
There are several credit monitoring services that allow a new report to be pulled each day.
By paying those 2 cards to 49% of the limit, you will see a sizable increase.
(Payday loan without bank statement) I need to go eat lunch now because coffee is slowly taking over my brain.
What you find is more important, in the case of mortgage application, is how well you've managed credit since the BK discharge/completion.
There are several credit monitoring services that allow a new report to be pulled each day.
By paying those 2 cards to 49% of the limit, you will see a sizable increase.
(Payday loan without bank statement) I need to go eat lunch now because coffee is slowly taking over my brain.
What you find is more important, in the case of mortgage application, is how well you've managed credit since the BK discharge/completion.
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Things are the way they are, unless the laws are changed to force the courts, FTC etc. into changing. Unfortunately, there are too few consumers being affected for the law makers to consider it necessary.
3 positive tradelines.... owe 6100 on my car which is one of the positive tradelines.
They responded that since this happened prior to April 15th it was not in violation of HIPAA and if I had any questions to contact CA.
(Cashpoint cash loans) She said the proposal was accepted and they have 30 days from March 6 to notify Myvesta so I guess they were just trying to scare us into settling.
If the CSR didn't do it for ya, the suggestion has been to call back to get a CSR that will.
According to the FCRA, businesses with ah permissible purpose may review your information.
3 positive tradelines.... owe 6100 on my car which is one of the positive tradelines.
They responded that since this happened prior to April 15th it was not in violation of HIPAA and if I had any questions to contact CA.
(Cashpoint cash loans) She said the proposal was accepted and they have 30 days from March 6 to notify Myvesta so I guess they were just trying to scare us into settling.
If the CSR didn't do it for ya, the suggestion has been to call back to get a CSR that will.
According to the FCRA, businesses with ah permissible purpose may review your information.
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If people only bought what they needed, the world would be a kinder, gentler, debt-free place.
Companies have become more efficient in their use of labor, squeezing out more production per worker. That means economic growth doesn't automatically translate into more jobs, as it has in the past.
I have NEVER done any of this and don't want to make ANY mistakes that may cost me time or actually VERIFY any information by mistake!!
(Online personal loans) The tension that has held me in its grip since this started is unlike anything I've experienced before , and I know it will continue until all of my friends and family are home safe.
Companies have become more efficient in their use of labor, squeezing out more production per worker. That means economic growth doesn't automatically translate into more jobs, as it has in the past.
I have NEVER done any of this and don't want to make ANY mistakes that may cost me time or actually VERIFY any information by mistake!!
(Online personal loans) The tension that has held me in its grip since this started is unlike anything I've experienced before , and I know it will continue until all of my friends and family are home safe.
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I just wanted to vent.. thank you all for listening, I suppose JoeDirt doesn't get a home for X-Mas...
I went thru a similar problem a few years ago that caused me to file BK7.
I didn't find out for the first two and they were both girls. For my youngest, we DID find out just because I'd been holding out hope that it was a boy and I'd have some shopping to do
(Cash advance money tree) You are the victim of a stolen car and your behavior with their company has always been one of integrity and honesty.
The addy listed on her report is out of Franklin, TN and is a PO box. I was hoping for a street address and especially a customer service, CEO, etc.
The point is - they knew I had a Cap One Auto Loan on the A4 - with a balance of slightly more than 20K.....
I went thru a similar problem a few years ago that caused me to file BK7.
I didn't find out for the first two and they were both girls. For my youngest, we DID find out just because I'd been holding out hope that it was a boy and I'd have some shopping to do
(Cash advance money tree) You are the victim of a stolen car and your behavior with their company has always been one of integrity and honesty.
The addy listed on her report is out of Franklin, TN and is a PO box. I was hoping for a street address and especially a customer service, CEO, etc.
The point is - they knew I had a Cap One Auto Loan on the A4 - with a balance of slightly more than 20K.....
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That gives you time to get it taken care, the funds are their for the OC or they are returned to you eventually once resolved.
I'm in pretty decent shape according to PG but don't want to get a false sense of confidence.
I have been trying to build some good credit over the past year or so - my wife and I filed ch7 bankruptcy 5 years ago.
(Instant cash loans no cheque book) I've made mention of maybe wanting an I/O loan, and he says some lenders have them available at a 0.25 - 0.5% rate increase , but for some reason he's trying to draw me away from that :?
I think this is a personal judgment call......there are steps you can take but I think you risk being sued due to the acct still being within the SOL.
I'm in pretty decent shape according to PG but don't want to get a false sense of confidence.
I have been trying to build some good credit over the past year or so - my wife and I filed ch7 bankruptcy 5 years ago.
(Instant cash loans no cheque book) I've made mention of maybe wanting an I/O loan, and he says some lenders have them available at a 0.25 - 0.5% rate increase , but for some reason he's trying to draw me away from that :?
I think this is a personal judgment call......there are steps you can take but I think you risk being sued due to the acct still being within the SOL.
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What should I try to conquer next? I ordered myfice equifax and experian a month ago and scores were around 530 on one and 523 on the other. PG score has increased about 10 points. One collection, unpaid, fell off after the validation request was received.
It's just the 4 major unsecured credit cards like first usa , fleet, mbna and discover that I'm going to have trouble paying for the next 30 years in order to pay them off.
Hi I am new to this and almost used a credit repair company but you guys kept advising others not to. So I didn't . Also I noticed that on 4/03 it has a 30 listed, even though it was paid off in 03/03. Now Sears cards were the only cards that I settled on, I saved about 1k for settling. This account is also listed on my report that it is closed.
(Loans not using teletrack) As to the Vette I got an increase at activation- overall good experience.
I have searched high and low and cannot find it, now I am beggin you to help
On the second go around his rate will be cheaper provided rates STAY the same.
It's just the 4 major unsecured credit cards like first usa , fleet, mbna and discover that I'm going to have trouble paying for the next 30 years in order to pay them off.
Hi I am new to this and almost used a credit repair company but you guys kept advising others not to. So I didn't . Also I noticed that on 4/03 it has a 30 listed, even though it was paid off in 03/03. Now Sears cards were the only cards that I settled on, I saved about 1k for settling. This account is also listed on my report that it is closed.
(Loans not using teletrack) As to the Vette I got an increase at activation- overall good experience.
I have searched high and low and cannot find it, now I am beggin you to help
On the second go around his rate will be cheaper provided rates STAY the same.
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Yesterday I received a letter from the Financial Aid office with a copy of a loan.
There may be as many as 30 clauses in a purchase and sale agreement, so buyers should be intimately aware of their responsibilities prior to signing.
hmmmm...also they verified my FUSA account as reported - but now the 2 remaining have been moved from "hard inquiries" to "soft inquiries" and combined into 1 stating the 2 dates pulled....whats that about?
(Loans like cashnetusa) Read the relevant laws and see where you have "leverage" with those who have violated them.
I know how that goes Markie, we are in escrow as well and will soon be poorer than dirt. Isnt that the American way?
Each piece of the puzzle - the Visa account, the mortgage on a house - has some combination of personal information attached to it: name, address, date of birth, Social Security number.
When I wrote I told them I deliberately did not update my CC info because I did not want to renew.
There may be as many as 30 clauses in a purchase and sale agreement, so buyers should be intimately aware of their responsibilities prior to signing.
hmmmm...also they verified my FUSA account as reported - but now the 2 remaining have been moved from "hard inquiries" to "soft inquiries" and combined into 1 stating the 2 dates pulled....whats that about?
(Loans like cashnetusa) Read the relevant laws and see where you have "leverage" with those who have violated them.
I know how that goes Markie, we are in escrow as well and will soon be poorer than dirt. Isnt that the American way?
Each piece of the puzzle - the Visa account, the mortgage on a house - has some combination of personal information attached to it: name, address, date of birth, Social Security number.
When I wrote I told them I deliberately did not update my CC info because I did not want to renew.
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I owe a special thank you to Christine at Bayhouse, she flicked the lightswitch!
Did you get anything in writing from the medical provider stating the correct amount owed?
Ok so i'm mad thinking to myself if someone has hit my brand new car I will not be able to hold myself together, so we walked to his car and he had a cherokee and there was a big long scrape down the whole side of his vehicle.
(Bad credit rv as a home loan) No, Justus, you didn't cause me any problem -- I'm not on staff here.
I have one credit card with 1 90 , 3 60 , & 3 30 , many of the times over the limit.
Did you get anything in writing from the medical provider stating the correct amount owed?
Ok so i'm mad thinking to myself if someone has hit my brand new car I will not be able to hold myself together, so we walked to his car and he had a cherokee and there was a big long scrape down the whole side of his vehicle.
(Bad credit rv as a home loan) No, Justus, you didn't cause me any problem -- I'm not on staff here.
I have one credit card with 1 90 , 3 60 , & 3 30 , many of the times over the limit.
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