niedziela, 3 lutego 2008

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There are many reports of people's homeowners insurance going up as much 400% because they have waterfront property.
She will be fair. She got an item reinvestigated for me that had already been disputed twice. it had been verified a couple of times years ago and the regular dumbasses who answer the phone told me to get bent. I found her number online, called her, told her what teh deal was, that now this business is out of business and I had requested validation blah blah blah, she told me she would reinvestigate if I provided new information. I did, the CMRRR's from my validation. it was deleted a few weeks later when the did not verify. She did it perfect. Give her a chance. But don't expect rules to be broken for you. And remember, more flies with honey....
I have been disputing with them around the fact that they refused to post to my credit reports my year's worth of on-time payment.
(Cash loans with no admin fee) If that's the case, don't worry about that, ignore the CC entry fields.
It had a link to the TU website, and I think I was charged $3.95 or something low.
I did notice a big jump in my score simply by cancelling low limit cards...

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Point out to this guy that nowhere in the FCRA is it required to report negative info, only that if it is it can't be reported for MORE THAN 7 years. 1 day, or less, is legal.
They do have competitive prices on Duracell batteries and household cleaning solutions like Windex refill bottles.
We were looking at the VA loan and the no downpayment needed, no MIP, and DH being exempt from the VA funding fee as a good thing!
(Rates instant cheque cashing uk) my mom added me to 2 of her store cards this weekend without my ssn or drivers liscence number...how is that going to work out?

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When they say, "By law", which law are they referring to, and when did it go into effect?
On April 19, 2003 I signed up for a 3 month trial membership with privacyguard.com.
You have to have an account there for 130 days i think in order to be able to use the ATM.
(5000 bad credit loans in hrs) My husband got a GM card, Corvette and Union Plus card all on the same day
If you take your 4 grand and subtract about 700 to cover taxes and insurance, that leaves you with 3300 for principle and interest.
Make sure you start off with an inquiry that you obviously know what it is, that way you can see how the conversation is going, and if they know what they are talking about.
I possibly should have waited a few weeks before posting the HIPAA letter, as the "follow-up" for enforcement is just now viable.
Actually alot of realtors have that built in to the listing contract.
I would say you have a pretty good chance of getting the card since you were not automaticlly declined.

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I must admit I'm a new visitor here, made aware of this great site from my recent edition of Smart Money, and have been quite impressed.
Now that I am over the initial shock of seeing the alert, lol, I see where you're coming from.
Get bill today APR is up. Call- they have no record. Luckily for me they sent me a nice letter confirming the rejection of terms that I read to the CS person.
(Loans with a cosigner) which is reporting what, but I will be pulling all 3 again early next week .
Yeah, I am getting a bunch of them with other people's last names and properties I never heard of.
IF it flies though with your income you may be able to refy it in your name and then knock him off of the loan.Any of the 50k "extra" oney or is it what it is on both of you?

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In addition EXP is the only CB reporting my ford sport trac which I bought in my company name.
Roni in Atlanta :xThe garnishment can stay for 7 years from the date issued.
Oh, Lord, she says our police here are too corrupt so won't call them..???
(Loans with a cosigner) In the event Fleet sticks to your reports as 'unpaid', I would keep that copy of the credit report for the Mortgage guy, and show it to HIM, to let him see it was paid.
Can't let my husband see me, suppose to be packing up the computor and ect.
Situation #2 is a law firm acting as a debt collector. First correspondence alone has FDCPA violations all over it - threatening legal action, demanding payment with 10 days of receipt of the letter. At first I thought no "mini-miranda" but it is printed on the back along with the following statement . I know I can go ahead and file a complaint with the FTC and State office of consumer affairs.
What do you mean, taking some time off next year to study for the LSAT?

sobota, 2 lutego 2008

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I would call them and see what they need, you might get it taken care of in minutes.
My mom wants to refi in her name only for the same 8 years with no cash out, and her scores are in the low 600s.
FICO scoring is getting more sophisticated and I suspect they don't care much about the total number of open cards you have.
(Cash advance today money gram) Greece is still there, Britain, France, Spain, Portugal, the Romans are now the Italians, and even Germany and Russia are still around.

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Obviously since finding all these great boards to enlighten and inspire me, I will not pay without deletion of these derogs and putting the acct on the positive side of the chart.
Weston tells you they are not bonded, it's worth it to send her the $10 for the official statement of no record to confirm the situation.
Don't let people treat you like this and help others that may be treated like this as well.
(Use debit to obtain cash advance) >Ok...if it has gone to collections you will need to use the FDCPA or the FCRA. If insurance was supposed to cover it I would contact your insurance company and put the pressure on them to get the bill paid. I would insist that they contact the hospital to work the issue out.
If I contact the mortgage company re this situation does that make my present mortgage with them null and void because this debt was not paid?
When I told her that an address was incorrect, she would only let me correct it to the proper address.
I only know this because after my third or so letter to their attorney he said if I wanted to pay the amount owed they will delete.
This sounds strange but also selling yor plasma/blood. You can get $20 per visit, at least here where we live. Yeah, it's Dracula's favorite hang out, lol.
This General conditional release of liability agreement is contingent upon NCO FINANCIAL SYSTEMS, INC., aka MARLIN INTEGRATED CAPITAL, complying fully with the above conditions and only releases NCO FINANCIAL SYSTEMS, INC., aka MARLIN INTEGRATED CAPITAL from all liability if these requirements and conditions have been met.

piątek, 1 lutego 2008

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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.
I called equifax about it, and they said that they all showed up there as included in bankruptcy, which automatically meant closed.
Also, you'd think that if they are in cahoots, they'd be a little more on the ball when it comes to marking accounts as disputed!
(Paycheck advance no phone calls) Ok let us say a CA is collecting on a debt that is ancient and does not belong to you.
Now, I believe FHA does not allow the down payment gift to come directly from the seller, correct?
Obviously getting the neg TL removed completely would be great, but barring that I would at least like it to be reporting correctly.
What a nightmare! Keepmine gave you excellent advice, as always. Do not send these bozos anything - it will be used against you - they just want money, it doesn't matter to them whether this debt is your husband's or not. Don't deal with them over the phone - everything in writing, or not at all, no matter what they tell you. They lie a lot. Just keep repeating that when they call you - "send it to me in writing."
Just the owed balance,taxes, etc., or maybe more as I would have no idea who would be there to bid.

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In 1999, Crandall, whose married name was Susan Martin - lived in Westfield, Mass., at 43 Mountain View St.
Would you be willing to take a chance and dispute the oc account as not yours?
That Amex Blue looks fake....clear...sorta like those fake cards that come attached to the CC apps
(Bad credit loan does not use telecheck) Now, having said what I did about FCRA and CRA practice, don't get the impression that that's the way it is, "tough cookies" !
I've got 0% for a while too. That's nice because it means leaving a small balance on there is free, i.e. no finance charges. After the 0% is up it goes to 14.9% I believe, but I probably won't leave any balance at that time. So, it really doesn't matter. In case you're wondering, there's a theory that some creditors will only report or update to the CRAs if you carry a balance. More balance is not better. Just about any balance should do.

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I will, however, say that depending on your credit "picture" in the last year or so and if you have outstanding collections, you may well qualify for an FHA or one of several other non fico score driven programs that could leave you with a 30 year fixed well below the 7% mark.
I was thinking that ever since Equifax changed their system, this was a problem for them.....I would think that they would be aware of this and once it's brought to their attention they'de just remove the duplicate that their system added.....am I wrong??? I'll be calling them....I don't want to hear nothing about no "we have to reinvestigate"..that's BULL!!!
I think that is one of the many reasons Capital One is always trying to make sure you give them an updated number.
(Heritage cash advance) I just need to find that statutes of the Unlicensed practice; violation; civil penalty.Clause.
This seems like it should be an easy issue to support with the case law and statute - but one that doesn�t seem well published in our community.

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Make sure you ask them to notify you within 3-5 days, so that you can consult a lawyer as to what further action should be taken, if necessary
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.
I feel like I'm in between a rock and a hard place with this...I really appreciate any advice or thoughts.
(Pay day loans using ach) After a furnisher sends the CRA a UDF or even a letter to change information that is reporting on a consumer's credit report, how long does the CRA have to update the credit report to reflect the change in information?
Most will lend to a maximum of 70% LTV though 65% LTV is the normal maximum.

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The funny thing is.. it is reporting to EX already! This is how I found out my CL!! I was told would receive in a couple of weeks. They pulled their CR on 9/5 and it is already reporting!!
They served a secretary at a firm I used to work at who left it with someone who gave it to me.
To date I have disputed with all three Credit Reporting agencies your provided information.
(Non telecheck payday loans) Installment loan addition, decrease, whatever, has little if any impact at all on your credit scores, because the debt is a fixed amount with a fixed beginning and ending date which eliminates the uncertainty of whether you'll go overlimit and continue using the limit after it's payoff date are generally paid off so much more gradually than, say credit card debt, the effect on your scores is also so gradual that the last payment seems to have no effect all.
Okay filed my first case in small claims, will settle for $600 less then what I am asking , but I am actually kinda hoping for it to go to court because I think the case would be a great learning experience, plus I have two more cases against the CRAs in which I will only file in a civil court.

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I would not include a settlement offer as it may look like blackmail.
At this point, I have been dealing with this inaccurate information for several years. I would like this account completely deleted from my credit reports. Despite this problem, I will likely shop at your store again, but would REALLY appreciate your help on this matter.
I edited personal references out of your post, as they are not accurate, nor are they fair to the person in question. Anyone reading your post without having read the related posts will come away with an unfair portrayal of a respected member here.
(Garenteed 1000 dollar online loans) Hi, I recently applied for amex blue student I got turned down when I called the telephone number to check on my application status.
Before I disputed the tradeline, it just showed a $288 past due balance. They just now updated it as a CO , would the FCBA not apply because this is a CO and therefore, no longer open? What law would cover their continued collection activity after they rec'd my dispute but failed to respond?
If that fails I would proceed to dispute the account # and date opened and the current status.

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My current employer pulls credit reports on potential employees as well - mine was a staggering 419. I got hired but they limited my access to government information . My FICO was 670 in June when they did another background check on me for clearance which was granted - even tho I protested LOL... all it did was add to my workload.
On the other hand, shifting balances among revolving/charge accounts, opening up new revolving/charge accounts, and closing down other revolving/charge accounts will not improve your score, and could possibly decrease your score.
So, with that, will the current and timely loan/lease payments and light use/payment of the gas cards be a good way to rebuild my credit history?
(Mte financial utah) I am keeping in the back of my mind what keepmine said about not pissing the judge off because I am in a small town and I think what he said is true.
..and discussed if it was true that for all datasets, multiple precision calculations will introduce computational inaccuracies, and will produce results which differ slightly from these certified values.
Try this,, go to BB's site,, tell him Georgiaboy sent ya, anyways, tell him GB said to give you your money back, or your going to turn him over to collections
Is this something I should worry about and/or should I write to the credit reporting agency to correct it?

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Yellow would require agents to more closely scrutinize passengers before letting them proceed to their gates.
PrivacyGuard purchases your reports from ConsumerInfo/IPlace and then gives you access to the information.
Pretty amazing for a web site that's been around for only 40 days, and is too new to be listed on most search engines.
(Quick loan funding and news) So bk was the best option for me because there was no way to get ahead....as to the other post , the person who posted that is pretty much in the same situation.

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verification efforts by the CRA don t put the creditor in that particular loop.Disputing the creditor s non-judgment TL can wake up the creditor.
A recent insuarnce industry seminar about credit scoring revealed something that I found interesting: the industry is willing to change their use of scoring by dropping certain attributes - in essence changing the scoring model itself - based on consumer complaints about unfairness.
I have over 12 non-PP-inquires on my CRA...some are banks and other CA which are not listed on my CRA as a collector?
(Payroll advance without using teletrack) I actually got a call in a hotel zero balance on a secured account.
Comments liek that are the result of small minded insensative people who cant look outside of their small box...They assume you must be lonely because you arent in a relationship...cant see that alone doesnt equate to loneliness....

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Reason I ask is that my 1st and 2nd are being paid from an escrow account and the person responsible for paying them was paying a few days late each month.
You scores will start going back up when these are reported positively.
regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person's transactions or experiences with any consumer; and
(Problems with telecheck) Though a builder-owned mortgage company sounds as if "the builders have their hands in both pockets," as one said, large and small builders and builder-lenders around the country all said the main reason for having their own mortgage company or a preferred lender was "to control the deal," not to add another profit center.
When you do a dispute with either Equifax or Trans Union, assuming they initiate the dispute, you will get a complete new report back when they finish the investigation.
I'm new to posting here but actually just got this information this morning for someone else at another board.
Altima's have a very good reliability rating...much better option than the Dodge IMO.

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Since it's local, I wonder how they actually verify the court records.
How can a guy indicate what the value of a property is before appraising it?
During one prison stint for credit fraud, the Fort Lee resident wrote a 103-page how-to manual called "I Scam-You Scam" and distributed it to inmates.
(Personal loans market searchireland) Hubby's score is not that good an average of 599 slow payment on car loan and collection on his CR, however on my CR I have an average of 655 EQ, w/2 neg charged off, 1 paid collection and 2 good TL.

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Well, she called today and they said due to a deliquent account at our address, they are unable to open an account. Then they refused to tell her what was deliquent.
This is the first time I have received this one from EX. My gut tells me to wait the 30 days plus mailing time and then demand deletion. Is this correct or do I need to provide the info they are requesting?
I have been lurking on several boards for months now, trying to absorb it all.
(How get a loan with bad credit) As my wife said while I was doing an actual victory dance - "Honey, you'd better be careful, or you'll hurt yourself."

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You are probably correct that the Keybank and Assoc/Citi are the same.
You could still get "we'll let you know", or "no, absolutely not" for an answer, as well as "congratulations!" And of course there is always the reconsideration process, which we believe in utilizing.
I dont think they can legally. The debt is expired. I will surely sue then!
(Sloan mngmt review) But what is so weird for me is everything else that was incl in bk fell off in December ...oh well I guess I will just have to try the patience thing!!
Because both open and closed accounts are counted in the negative factor, closing some accounts will not immediately help your credit score.
But based on the three companies involved, the location's either going to be PA or VA.

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I would iimagine once you advise him of the violations, making him aware that you know your rights, he will do the right thing.
Actually his suggestion seems good as it stands, especially since not sure exactly what you are doing. HELOC's I don't do. Watch out for seasoning requirements. IF you just bought the darn house, can you get $150K ? Just make sure you can. Sounds like a good plan sell the darn thing and do it again. Do them as fast and as furious as you can. if you can make $100K a pop. Minus well do 10 of them. Find money partners and go to town. Share the wealth, share the profit, make a killing see you in Hawaii.
They didn't give me any hassles. AND - within a month - they sent me a check for the entire amount.
(Cash loans till payday in Leeds) Lady calls up today and says they need my authorization to pull company tax returns. Said she'd fax something. I get the fax - and see they're asking for authorization to pull company AND personal tax returns.
What a narcissistic-nut! Maybe the doc could chime in on this but doesn't it take someone with a disorder to wanna be a career-collector? That guy definently puts the disorder is "disordered thinking"...

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There's an FTC opinion letter that states that closed-end accounts like mortgages, don't automatically generate PP because A/Rs are generally used to determine whether to keep the account, modify it, or other things that involve changing the terms of the account.
and will be happy to answer your questions based on experience and research.
They said all I have to do is just call CS and ask them to put the fixed rate in place.
(6 99 personal loan) This was borrowed from someone else - but I can't remember where - so sorry for not giving credit where it's due!!
Does someone have a nutcase sample letter with he same situatiion as mine that I can share?
I got someone on the phone there and they wouldn't tell me who they were with.
Capital One does not legally endorse or guarantee products or services provided by non-affiliated companies and such products or services are neither FDIC insured or bank guaranteed.

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"Certainly this is an issue that I and other pro-consumer members of Congress are raising."
It was showing lates on March 26th, but on the reports for the 27th of March and April 10th, they were gone.
CBSDNA=citi bank south dakota something or other that i can't remember now.
(Mte pay day loan) Ok, please tell me you've checked to see if they can legally collect from you according to state laws ...I just get the feeling that people don't get how powerful that really is when you find out they have no bond or license.
He had three cars in the drive way and one in the back. So the house didn't look like a car lot, LOl. It seemed to be working for him....

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Also in the paperwork there is a "Notice of Case Management Conference" scheduled for Mid-Summer.
I know how very bad bancruptcy has affected my credit and I just can't stand the thought of sitting back and letting something like this happen to my hubby.
As for the other two companies, they are a Circuit City CC, and a Sears CC.
(Western union cash advance loans) The Spears v Brennan case is an Indiana court of appeals case, and is not binding on a Florida court.
After all, if you don't tell them what is going on, they have no idea why you are late.