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You said they had an incorrect address, how much other incorrect information is on your TU report?
All you have to do is let them know you are "shopping rates" and they will probably work toward accommodating you as much as possible.
(Online loan up to 10000) They raised my rates and claimed it was because they had to pay for repairs to my car out of my policy because they were unable to locate their other customer that hit me...
IIB can have a later date than the BK if you reaffirmed, or made some other kind of deal and then defaulted.

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I asked her to pull my file while i was on the phone, she said that they were short staffed and couldn't pull it at the moment and that after she received the letter that she would call me.
Based on BBB files, this company has an unsatisfactory record with the Bureau.
But since the CA probably had the account about a month, why would that part be inaccurate?
(Quicken loan reviews) Thanks for everyone's help. This is my only bad tradeline. It's nice to be getting it back on track.
Yellow would require agents to more closely scrutinize passengers before letting them proceed to their gates.
The debt was discharged in BK and that the manner in which they are reporting the debt to the CRAs does not mention the BK.
Therefore, adding a month/year field to the system's input & output, would be of considerable value.

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If you have not created positive open accounts in good standing, especially revolving accounts, then you can suffer a point drop when the negative accounts come off.
Since both are VERY SMALL collection amounts, I'm hoping they won't want to waste their time.
We started negotiating with the hospital before we even received the first bill and made our first payment within 60 days after our child was released from the hospital.
(Gad credit loans) I applied for this card online Saturday and did not get an immediate response.
i wasn't aware that there was an "I will not apply today" card out there.
Also I don't think there could be any damages to turn over to a CA unless adjucated by a judge.
That is the EXACT reason you need to tell her that she needs to be on the ball and know exactly what is on her report so they won't scam her.

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I don't see your point. All that says is that the settlement is not an admission of a violation of law. My point is is that I've been trying to get validation from a CA for over 2 months. I faxed an intent to sue as this CA has verified the tradeline 2X with the CRA, put a dupe tradeline on Equifax, and 2 days after the ITS pulled a hard inquiry. Today I get a threatening letter from the dumbass Atty. telling me that if I choose to file an unsubstantiated claim, they reserve the right to seek sanctions againt me for filing a frivolous lawsuit. To which I emailed him and told him the first question the judge is going to ask him is why haven't they validated the debt in over 2 months? I don't think a judge would consider my lawsuit frivolous at that point. I also told him that he was not going to bully me out of my rights as a citizen of this country. With that being said, why couldn't I take that FTC settlement letter to sort of get the judge thinking" If the FTC made this company delete in 5 days when they couldn't validate, why has this CA taken over 2 months"
I have already contacted the OC and have documentation clearly evidencing that you did not in fact verify the information you are reporting nor could you have reinvestigated; therefore, delete the TL as you are required to do.
Also showing the first balance and high balance as the same. This looks like it is maxed out. Is this affecting my utilization the same as if I had a revolving account maxed to the limit.
(10k loans overnight for bad credit) NO ONE WANTS TO VENTURE A GUESS WHAT THE SCORE CHANGE MIGHT BE IN MY GIVEN SENARIO ?
I don't like going there much in fear of saying something that goes against the FCRA and losing 1000 bucks in court

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Allowing the destruction of the hospitals is a violation of the Geneva Convention.
that doesn't answer all my wuestions, and how dare you say i am angry when you the one talking about people being evil.
I got the same 505 error just trying to find contact info on their site.
(Www bclc compay day number result) It seems to me that if you are not on the loan, it shouldn't be on your report either.
Earlier this week I sent some disputes to all 3 CRAs via CMRRR , and I was wondering if I could dispute another entry online before I get the others back.

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Now of course, it's a whole new ball game if you're ever late or defautl on that loan!
Geez I know these questions are dumb and I know ya'll have got to be sick of them but these freaks really have me freaked out over here....
Like I said, I don't care who knows that I need contacts or what their prescription is - but if it were one of my regular, medical doctors, I wouldn't have signed.
(No teletrac credit check loan) Last night after speaking with my neighbor about the whole judgment thing she told me to see if they were FDIC insured and if they are to use th FDIC regulations against them.

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I demand that you also send a copy of this dispute to the company that you say I owe money to, so that they do not report this on my credit report.
That's a great interest! I will call my Credit Union first thing on Monday. For a score of 650, do you have any neg TL? I'm trying to determine if I also qualified with my Credit Union and since I do have a couple of neg TL....
What coupons? I've seen threads referring to them but can't find the original posts.... pm me PLEEEZE!
(Personal loans with a 560) have you considered talking to the IRS and geeting this SS # flagged as ID theft?

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I realize that for the first few years it'll cost me more to get rid of the place than my equity.
I have a vague memory of Doc interval where it goes down for maintenance or something.
On a completely stated program you SHOULD be able to obtain your 6% mark and PLEASE don't let a broker charge you a full point on your loan for origination!!
(No credit check car loan) 1k is 1k is 1k, but you have to decide how far to push them until they cave.
I think you should go to a dealer and explain situation, take POI, POR, POF, and several references and your downpayment. I feel certain an qualified finance mgr can handle your situation.

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Those the best issues to file a FDCPA lawsuit over. Because they are not going to go to the mat to fight you. They will be desperate to settle that case out of court and pay you $1000 as fast as possible. Their accountant is saying, "Why on earth are we paying a lawyer $5,000 to fight a case over a $250 debt?"
i am looking at a backyard full of dirt :x and i want to get my yard done.
Dane, I would send a letter to the OC asking if the account was brought up to date and then went delinquent again and ask for the agreement your ex made to keep the truck.
(Www mte financial refi debit) Validation is a specific section of the FDCPA, applying to those collectors only, not to OC's.
So I'm going to wait and see what my contract says and then develop my argument.
There wasn't any explanation with it at all. It was just the judgement. The amount he awarded us was the amount that we asked for. So, he gave them the MAXIMUM penalty allowed, plus our filing costs.

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I don't know yet...haven't checked...I lent my doppler US to a friend a couple years ago, and haven't gotten it back yet...but I'm hoping to get a hold of him soon and get it...we just haven't gotten together
I thought this was weird because I have never had a problem with my insurance not paying.
Now, before I had noticed this problem, I had applied for my Amex green card, and was told no immediately.
(5500 cash loan) For those of you who are in the midst of repair...keep plugging away...it takes some time, but you will get there.
This is a great PDF file document that you can download for free. It comes from Fair Isaac the creators of the FICO score and goes over, in detail, what goes into a FICO score.

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I've got a 98 Camero, a 95 Ram 1500, and a Intruder 1500, all paid for, and I'll drive them to the wheels fall off.
The only suspect in custody is Hasan Karim Akbar, 31, a sergeant in the 101st Airborne Division.
When CA/OC receives Validation/Dispute Letter, then initiate dispute with CRA.
(Need a 5 000 dollar loan) If this TL pops up on my report, all dreams of purchasing a house within the next year are gone.
Now you kids are probably asking yourselves "Hey Matt, MOVES ARMS IN JOGGING MOTION} how can we get back on the right track?!" Well as I see it there is only one solution, & that is for me to get my gear, move it on in here, 'cause I"m gon'na bunk with you buddy, WE'RE GON'NA BE BUDDIES, WE'RE GON'NA BE PALS!
Send them WhyChat's expired SOL letter and tell them to go pound sand !!!
It was showing lates on March 26th, but on the reports for the 27th of March and April 10th, they were gone.
As long as you continue using your credit wisely, your score will go up even more in time.

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In a bookstore, I was paying with a traveler check and the bookseller forced me to put my address on the check.
It was already high bc of the amount, now with a wreck I just don't see them wanting to cover him anymore.
If the hospital bills are with CAs just send validation to them and when you get the green cards back just go online and dispute them as well as the others.
(The loanshoponline) 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 !
Of course, I understand you probably don't want to come out and say IIB and do work for them they may not realize they have to do !
She's covered by keiser but it was full supposedly so they had to send her somewhere else first and then transfer her to the keiser.
If you do and must have them, there are special ways to allow this, but better not to have them.

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The attacker worked methodically, destroying an electricity generator, throwing grenades into Womack's tent and the two other command tents, then shooting tents.
Wachovia also threw in a bunch of no-fee banking services and treated us first-class all the way.
Just wanted to let you know what this side of the fence looked like after I filed.
(Need a loan with slow credit) One of our "august" members, LKH, had a dismissed BK PR deleted by arguing that, since the case was dismissed, it no longer exists, and it was deleted !

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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!!!!
This was from EFX and I when I pulled the score I was 1 point lower than previous month.
In my case I am lowering my comission to make my deal happen, very few realtors are willing to do this maybe yours will.
(Understand tax rate of your paycheck) I had a BofA card 6 years a go when I was 19, It was a secured credit card.
Sux because even though you are a non-resident of a particular state, you can still be sued there.
We will be attempting an FHA loan w/ down payment assistance or perhaps even an 80/20 in the future.
Not meaning to come across rude, but we have been telling you since page one what to do next, it gets a little frustrating when you feel like you are spending a lot of time typing yet not being read.
Have your vendor use the pickup confirmation number UPS gave them for the pickup. If they claim they don't have it, it would be easy for them to get it with a call to UPS . IMHO your vendor probably is at fault. Why would UPS wait that many days to pickup? Why would your vendor ALLOW it to happen?

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Go to courthouse and get copy of Hubbys file that states no BK on file.
I'll purchase a report for 9 bucks if I have too just to appease the conditions of the loan!
This is a post for those of you throughout the country that are looking at buying a manufactured home.
(Military no credit check quick cash) I plan to send a validation letter to the hospital and dispute the CO.
Incidentally, why is it that the same people who wanted to give the UN many more months~years to find the WMD's, now expect us to find them in 2 weeks?

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Someone is always into something...just last week my 7 year old decided to help herself to some of my makeup because she thought "I didn't like the color". I wondered why she looked like she had 4 eyebrows!
I hate pop-ups.....Especially when they offer you ways to make money.
WHEN you sue or send ITS letter I recommend keeping the actual complaint as vague as possilbe.
(Aol lotteries ontario pay day) We will probably need 10% down, so I think we are going to buy a new inexpensive house and live there for 5 years untill we a ready to build, then convert the inexpensive house to rental property.
108.040 � Liability for expenses of family or education of children; liability after separation; time for commencing action.
I'm done with this conversation now. If you feel you need to get the last word in, go ahead. I've made my points, and they were well taken by everyone but YOU who continues to argue with every thing I say. You have a tendency of pointing out my responses to other people instead of focusing on what I'm saying to you. That's not cool, as you have no clue what my experiences with other members have been. Could past experiences in other conversations with certain members shape the way that I may respond to what he or she says? Certainly. If you see something wrong with that, tough. I am an educated adult, and the way that I choose to respond, react, and rationalize is just that, my choice. Period. I could care less how you would react in certain situations! Your attempts at criticizing my message board ettiquette perceived it that way. You, on the other hand continue to argue, yet you turn your rants and raves to me. You obviously feel guilty about something you wrote, because you continue to try and make yourself believe nothing offensive was written. The fact that the thread was locked says otherwise, whether you want to admit it or not.

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Dixie, that doesn't mean denial. I applied online for all of my Amex cards. 3 of 4 were immediately approved online, my blue card gave me the same message you got. I don't think you need to wait til Monday. I think you can call 1-800-the-card before 2pm today and you should be able to talk to the app dep't. Good luck.
I didn't do so bad in AZ small claims with out of state companies and not related to credit.
They tell me that it takes a little while for it to actually "fall" off once it has been "deleted".
(Checking account without chex system) I am on the phone with CA's, CRA's and OC's all the time, and I'll have to remember to get all the things accomplished with them in one shot.
For example: <.125%> in the fee of a jumbo 3/1,5/1 or 7/1 arm if lowest middle score is 750 .
If you have a subscription with your credit reports, you should probably have receiveed a notification.....If you mean should the CRA's send you a letter stating that something new has been put on your report?...no.

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You are not alone and should not feel bad in any way for what you are going through by the way.
They are here in town, a small CA, nothing major, that collects for smaller companies here in the community...
Our lender said that no one would be willing to give us a mortgage with that on his credit report, so we should pay off all of his debts and get them to clear his credit report.
(National pay loan no teletrack) I used my own goodwill format because the templates I had seen were a little long winded.
In addition EXP is the only CB reporting my ford sport trac which I bought in my company name.
You can certainly sue them for other things in the FCRA or FDCPA, but not that.

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So, my recommendation is take the time to read all the material you can stand to read and ask some questions before you start whacking away at the CRAs and OCs.
I want to clarify something, If i paid late fees for those accounts, can they still report it as late payment?
I ultimately agree with BHMH, But here me out before you do it, my score is way lower than yours presently.
(Guarantee cash loans) I went to the Orchard site, and it recommended that I get the Mastercard classic, and I had to put in banking info for the processing fee. Then it gave me the 10-14 day message. Is this a denial, and if it is, they will give my money back, right? Does anyone have experience with this?
We need to get him to understand that living hand to mouth, losing one's home to unpaid taxes, and still not being able to pay off the creditors is not the best route. The law is there for exactly this circumstance. If it is appropriate for you, use it!

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So to fix this, I guess all you can do at this time is pretend it is a Cap1 card, and get the "High Credit" number close to the true limit.
I think there are trying to say two of my four reasons for a lower score are because I disputed lates and because i m trying to do a quick fix!
The system spit out a traditional you�ll hear from us in 7-10 days.�
(Student loans without a credit history) If I would have an attorney, I wouldn't even have to go to any inquest trials. All he would have to do is to go to the Judgment clerk office and to enter a judgment.
Account Name Account Number Date Opened Balance Date Reported Past Due Account Status Comments on Account
If it's not paid, say goodbye to any future tax refunds until it is...

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The only thing I might worry about is if your card issuer might hold the checks to make sure they clear your bank first.
That does seem excessive to what might amount to 20-30 hours worth of work.
It seems to me like a fairly solid plan and something we would be happy with at all stages.
(Beat telecheck) A few years ago I sued my ex-fiance to get my money out of the house we jointly owned. It took a while but I won with the aid of a good attorney and I got my money.
Oh, and since then I also accepted a pre-approval for a Fleet credit card.

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Sorry if this has been discussed before, I am a newbie :wink:
Larry, I haven't applied for the others Best Buy and GM I thought for sure I'd be denied since everyone else just loves to deny me.
The larger card I use for alot of purchases. I often put 4-6K on it per month, and often use it for business expenses. I have also turned down a few CL increases in the past, so it would probably be 25-30K by now if not.
(Fast auto payday loans) Summons BumbleBee and WhyChat!!!!!!!!!! Both are here and will remember, LOL

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I hear what you�re saying, however their business practices have cost hundreds of thousands of people heartache a despair. I've explained it to others that cap1 is like 6 different companies rolled into one, and I think that's true. I had a great experience with their exec offices too and they deleted after my clear explanation and copies of proof, but it took me 6 months to get a hold of this helpful office and that's the way they have it set up.
I'm thinking that this account should be obsolete 1/04 -- we are applying for a SBA loan and this collection could kill us -- please HELP!!!! :?:
Any effort to seek redress for AT&T Wireless problems is met by the most fiendishly unresponsive customer-service department ever devised by the mind of man. Its key feature is that you spend two minutes pressing all kinds of buttons, trying to reach a real person. The voice mail then puts you on hold for another five minutes. After five minutes, you are then informed by a recording that no one can help you right now.
(Maplestory-free instant nx cash) Or do they often use another CRA to do the reviews?
Les replies: I have arrived. Willy the man is waiting for me.
BTW, do you have any addresses for Verizons internal CA? I would greatly appreciate it.