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Mattw11486's Achievements


Newbie (1/6)



  1. I have not submitted a dispute with the CRA in regards to this inquiry. I started with the creditor first, they just sent me this letter yesterday, should that be the next step? And the credit inquiry is the only entry I can see that is associated with this.
  2. I don't remember applying for this what-so-ever but they won't seem to give me any information regarding it.
  3. Recently ran my credit report and saw a hard inquiry from American Eagle. I shop there but don't apply for any credit cards so I sent a dispute letter to see what they would say. They responded saying that in 04/29/2014 there was a paperless method submitted for a AEO, Inc Visa Card and unable to modify what has been reported. They additonally cannot provide me with a copy of the application based upon the paperless method used for submission. Is there anything I can do about this?
  4. I was charged like $9.05 per page I think next time I will go with Click2mail.com $5.79 per page and I can just send it from home.
  5. Just sent my first round of debt validation letters including 7 letters to companies who did hard inquiries. In total I had 10 letters to mail out to each address. I decided to go to the post office and did 2-3 business day/certified mail. At 9 bucks per letter that was a little over $90. My question is, is there a cheaper method then the post office? This is my first time doing this so any helpful tips would be great.
  6. The score I received is one I got from Creditkarma.com. As for my Federal Student Loans what I did with those is signed up for the IBR option which allows me to basically pay whatever I want per month and after 25 years its forgiven. The problem with the Private Loans is it doesn't offer that same option and its very high interest. As for the electric bill should I do a pay for deletion and should I try to submit a DV first?
  7. Me and my fiancee are wanting to purchase a new home next year and recently went to see a specialist to take a look at our credit scores. Mine is currently at a 588 which is absolutely terrible so I had a few questions on how this process works. I want to try to dispute everything to see how much I can get taken off and just to test the waters with the CBs. My first question is when I go to dispute, should I send letters to all three CBs at the same time? I used to live in MO now I live in TX. On my credit report I have one item in collections that looks like its an old electricity bill back in MO. This will be the first one I try just to test it out. I can always pay for deletion if everything falls through on this one. What is hurting me the worst looks like a few late payments on my student loans. Can I dispute those to the CB and what is the likelihood that there is no documentation that a payment was ever late, forcing them to remove it? Also another thing hurting me is some sort of private loan called PEAKS from when I attended ITT Technical Institute 2008-2011(huge mistake). They originally contacted me back in 2011 saying I owed over 2k. I demanded to know who they were and what I owed they kept harassing me until I finally told them to send me an itemized receipt validating proof of what I owe so I could fax it over to my lawyer. They never bothered me again until this week. They somehow manage to get my fiancee's cell phone number even though we don't own anything jointly and no documentation exists that I know of that has our phone numbers or names listed together. The ONLY scenario I can come up with is when she used my groupon account to order something for herself. When she spoke on the phone with one of the representatives she demanded to know how they received her number and that she is a woman, the kids response was "I doubt that" and hung up. So due to to the lack of disrespect and the fact that I believe this is the exact definition of predatory lending I have decided out of principal I want to fight these guys. Anyone have any success on fighting student loans with these dispute letters? If so, what are some tactics you used?
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