RobinMontrose

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About RobinMontrose

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  1. Wonder why Certificate of Service won't work. Works for other court documents.
  2. I sent the first letter by regular mail, second by CMRRR, third I included a certificate of service at the bottom of the letter sent by regular mail.
  3. I tried three times! They say they can't identify my info. I keep sending them all the info they asked for. This has to be willful negligence. What can I do? Thanks, Robin
  4. These are all I could find but most ring busy or no answer. Does anyone have any others for 2019? CRA Fax numbers: Equifax = 866.233.3777 888-826-0573 Experian = 972.390.3838 Trans Union = 610.546.4606
  5. I know people rent out their AU slots for extra cash. Will the primary holder be contacted or implicated if an authorized user account is connected to a disputed account?
  6. I'm sending ID theft letters to the three CRA's. Need to send them certified of course.
  7. I read some threads that say the recommended addresses to dispute published by the CRA's will result in returned letters if you send it Certified. Some say it works. How can this be??? If this is true where can it be sent? Robin
  8. These are the addresses the FTC gives you for ID Theft. Are they up to date? Any last minute tips. I'm about to send mine in. Equifax P.O. Box 105069 Atlanta, GA 30348-5069 -or- Experian P.O. Box 9554 Allen, TX 75013 -or- TransUnion Fraud Victim Assistance Department P.O. Box 2000 Chester, PA 19016
  9. My need is to lower my UT. So I need high limits with high UT (50%+) allowed. FICO Score 8 is 720. 150k debt with 300k limits. No inquires or new accounts in over a year. Looking to do a consolidation loan as well. Thinking of appyling all at the same time.
  10. I let my UT get to 49% but that's the only weakness. 720 score. Who will approve my with such a lousy UT? Maybe a consolidation loan? I feel trapped.
  11. My personal scores are at 680. I don't know why it's so low! I never missed a payment ever. In fact a year ago, I paid my debt down with $190,000 from some land I sold (mistake?). Still had 50k debt left however. But it only boosted me to 740. I applied for a couple of cards and little by little a year later I'm at sub 700. We have been living off the cards (and biz development) however and have added like 100k debt in that year. Which like I said leaves me 150k in debt with 150k left in credit available. I'm learning business credit. And my corporations have pretty good scores. Am looking into that end of it too. I feel I'm at a critical time and not sure what to do. Maybe I should I have kept the 190k, cashed out and trashed it all. By now my credit would have been fixed and probably higher than it is now. Seems it doesn't pay to do the,"right " thing.
  12. I tried the same thing. JAMS removed the lawyer from the action until it gets in front of the judge. Then I'll have a chance to try to get them added back on. If nothing else it sure did ruffle their feathers!
  13. Isn't this usually the case? I feel that I at least the chance to find out in discovery what their relationship is with the OC.