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About Meow209

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  1. Original Creditor is Syncrony Bank. I included the credit card agreement.
  2. I was sued by Midland Funding. I filed a Motion to Compel for Arbitration. Matter was set on calendar. Plaintiff's attorney filed a response, basically saying I had no leg to stand on. I was expecting this to be much smoother but it's not. What should I expect at the hearing? Any tips or advice would be greatly appreciated.
  3. Have any of you used and followed the MyFico Simulator before? If so, how accurate was it? I'm trying to help my brother get his credit prepared for home buying. The credit simulator indicates that if he pays a certain amount on his credit card, his fico score would improve by 30 points. Just curious if anyone has tried this.
  4. @fisthardcheese thank you for creating this post. Very helpful info for all those dealing with this. Are you by any chance in Cali?
  5. 1. Who is the named plaintiff in the suit? Midland Funding LLC 2. What is the name of the law firm handling the suit? There’s actually 5 attorney names listed at the top but Civil Cover sheet has Attorney Hyo Jin Julia Jung State Bar No. 316090 3. How much are you being sued for? 5k 3. Who is the original creditor? Synchrony (formerly know as GE Capital Retail Bank) 4. How do you know you are being sued? Personally served 5. How were you served? Personally served 6. Was the service legal as required by your state?
  6. Thanks @Clydesmom for your quick response. I will cross my fingers and hope they don't file within the next 40 days.
  7. This morning I received notification from myfico that a collection account has been reported on my experian credit report. Statute of limitation (SOL) expires on 8/30/2015. Should I dispute this account with Credit Bureau (to buy time in case they are trying to file a small claims case) or should I leave it alone and hope they don't file a small claims within the next month? Also if they file a small claims before 8/30/2015, what happens if they are unable to serve me before 8/30/2015? I'm in the middle of moving. I wanted to negotiate the debt with them but not before 8/30/2015 because I
  8. I know this is an old thread but I just wanted to share with anyone looking for positive results on goodwill letters to capital one. I've read on other post that Capital One doesn't grant goodwill request. I was hesitant in writing the letter but thought it was worth a try. I wrote them a goodwill late to remove a 30 day late reporting. I basically wrote them a letter letting them know that I have been a member for many years with only one late and explained my situation. Two weeks later I received a call saying that they have removed the 30 day late report!!!! So if you're in the same si
  9. Thanks for the info @Clydesmom
  10. Hi all, I just recently got pre-approved for home loan. However, it was for a FHA loan. I am trying to get pre-approved for a conventional home loan but my agent says I am only 10 points from qualifying for a conventional home loan. I don't have any collections on my credit report (all paid off and deleted from report). Only ding I have on my report is two 30-day late on my student loans. I've called and written sallie mae with a good will letter but they just won't budge. Any advice on how I can possibly raise my score in short time frame? Housing market is picking up and so is mortgage
  11. I'm In process of applying for home loan. I know lenders are requiring copies of my last 2-3 mos bank statements. Does anyone know if I have to show bank statements for all my banks accts or just the account that I have my reserves in. Reserves $$ is in my savings account.