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Everything posted by credithound

  1. Hey everybody I'm back. Spoke with EQ two weeks ago to get them to delete old addresses. They sent me a letter confirming the deletes. I've been checking "PG" and the addresses were still there a month later. I called and the guy told me that they were there and still being reported from that address. They said they would delete and sent me another confirmation of the deletes. I am worried because after I got the first confirmation of the deletes, I began disputing negative TL's. Suggestions?? Is my file split or is there a reporting that keeps my address from deleting.
  2. Does anyone know if a foreign corporation that has surrendered in California can still do business as a collection agency? Checked the Secretary of State's website. I tried to serve CMI and their agent of process only to find out that they surrendered. CMI is based in Texas. How can I serve papers on a Texas corporation? Also isn't it illegal for them to do business in collections for Californians? LadynRed, Calilawyer, other legal experts please reply.
  3. Ok here it goes. Merrick Bank bought out my Next Card Account 3 years ago. I had trouble and did not pay my Next Card so Merrick bought the account and I have never paid under Merrick Bank. Well I have 1 neg left on TU and Merrick Bank last November wanted to settle with a reduced payment in the amount of 230 on a 351 bill. If paid they will show account as settled and paid in full. I sent them two letters stating that I don't have an account through Merrick Bank and to validate this. They did not and instead sent a second letter for a paid in full settlement. Are they desperate for a settlement? Do I have the upper hand to negotiate paid in full for delete of tradeline. That is what I want. Where do I stand legally on this and perhaps get a delete. Looking for a delete or will wait. Help Desperate in California
  4. Checked EFX and saw US Bank pulled two different dates. It was listed as "AR" US Bank 9/2003, 11/2003 Is this an example of non pp?
  5. Looking to find out who is winning money from these scum bags. Let me know if it was settlement, or judgement. How much in settlement? Did you get paid from your judgement win? Did the CA's have a difficulty cutting your check? What were the violations/damages ? Length to fight them
  6. You can try Pentagon Federal Credit Union they pull EQ. http://www.penfed.org If you are military you are in. If not you pay a $20 membership fee to join the Military Families Organization then you qualify to join Pentagon Federal Credit Union. When they pull your EQ also apply for CC or loans at the same time so they won't have to pull again. You can get everything on just one report when you join.
  7. Well after filing with the BBB back in October and sending two letters with Capital One, John Higgins the Executive at Capital One will not delete the adverse tradeline and will continue collections on my account within the law. (Yeah right his law!) He claims that the Charge Off date date was Dec 20th yet he has not sent me a copy of the statements as evidence. So I will send the Attorney General of Virginia copies of my dispute along with California's Attorney General. I shall also file a complaint with the FTC. Is this fight worth it? See my point here. This is the seventh year and according to my credit report both TU & EQ report last actvitiy for March and April of 1997. (easy) But EXP report DEc of 1997(this is a lie) So I can fight these two bureaus and claim the reporting as outdated or obsolete and get early deletions. Experian I plan on attacking them by getting them to verify the date of last activity. If the charge was in Dec then the date of last activity would be earlier than DEC 20th. Not sure that court would be helpful since this is the year that the seven year reporting ends. What's in your (wallet) oops! thoughts.
  8. Morrow have u used Household loans such as HFC or Beneficial or are there others. If I already have a UP card with a $1000 limit is that a good sign with this bank? Thanks for answering these questions.
  9. Looking for a Personal Loan or Visa with a larger Cl to BT my CC's. Help
  10. Checked my PG this morning and noticed Lowes on the account with a credit limit reporting on EX. Had not recieved the card and went batty this morning trying to find their number. Called cust. service and have a $400 cl Was mailed on Dec 6th. Yippeeeee! I now have 4 unsecured cards and 2 secured cards.
  11. After disputing them all year the CRA's have triggered Merrick bank to respond to my dispute. Merrick has charged off an account two years ago. The debt was $330.00 and this account was bought from NextCard. However, I am disputing the amounts and now I have a settlement from Merrick. Give us $113.00 and we will report account as "settled" Isn't "settled" worse than charge off? Doesn't it reage the account for another seven years? What should I negotiate?
  12. I have 4 baddies with a bk included. No disputes and an EQ score of 636. Received a 7-10 message and today I opened a brand new UP card with a $1K limit. I had not recieved an unsecured card in years. Now I have: Target Guest Union Plus American Pacific Bank(secured) First Premier Bank(secured) This tops the cake with only 1 year of hard credit repair done by myself with no help from anyone except these boards. Thanks to all who have been there for me.
  13. submitted 11 accounts for dispute. 7 were deleted only 4 baddies remain. 4 collections, 3 charge offs Could not get off CAP ONE or Merrick Bank Can't complain now! What a christmas present!!! Can't wait to see the scores....
  14. Currently they approved all from EQ. I have 1 bk 61/2 years old, 2 collections, 1 CO(cc) was 631 before applying for credit. Now 626 or pehaps 624. Good luck. I do have things in dispute but Equifax no longer inflates your scores. Applied to Target and Crescent Jewelers (in store) no online approval
  15. I am a witness to the good things that have happened by using this board. I joined around July of this year and have successfully deleted so many negatives. Well, it pays to be patient. I already started cleaning my credit for December of last year. So as I come full circle I almost have what I need to get that home. I started with scores of 487 and laughter from Car dealerships about financing me. No one in Feb of 2003 wanted to finance me even the infamous "Bar None" whose so called commercials help bad credit. Today scores for TU are 617( 9baddies), EXP 636(11 baddies), & EQ 626(4 baddies) Thanks gang for your support. I hope this board continues and fourishes.
  16. Went to my favorite Jewelry Store Crescent Jewelers. My DW wanted a ring. I knew that these guys pull EQ so I went for it being that I now have a 626. They pulled and a got a credit line. "YOu have $5000" I called 4 times to confirm if this was true. Went to the store with DW and bought her a 2 carat diamond ring. Financed up to $3000 not going further than that. First the Target Card and now this! It feels good to be important again.
  17. Not since 1991 have I ever received an unsecured card. I finally had the courage to try for the Target Card. Got an instant approval.. Congratulations! You have been approved for a Target Guest Card issued by Retailers National Bank. Name: Credithound Account Number x-xxx-xxx-xxx Credit limit: $200 Use your new Target Gust Card account number to shop online now at target.com Your new card will arrive within 2 weeks for shopping in-store. Will wait for the card and then shop.
  18. Capital One Kb are a bunch of leeches who prey off accounts that were charged off. They have vindictive ways to get at you. Even to ruin your credit. My scores would be 700 if not for Crapital one. They just removed the 30 day 60 day 120 days and adjusted the balance to $1200. What is this? From a 1997 CO to this? They have a litany of charges each and every year. EQ says they report for October
  19. Adsoft and others say I should go to court because of Cap1 reporting 6 1/2 years after the charge off. The problem is challenging them may cause my scores to drop or go higher. Any suggestions on score possibilities. I have 1bk(1997) dismissed-off in April or May, 1 co(Crapital One), 2 collections(disputing these with CA's). 2 CC accounts with "pays as agreed" and 4 sallie mae loans reporting "pays as agreed" Can someone tell me what could happen if there were a Cap1 deletion? My goal by the end of this year will be 680. Hopefully by Jan 30th 700 club
  20. Yes, I have proof of this on my Experian file. Date opened/ reported 10-1994/9-1996 Date of status/Last reported 6-2003 Credit limit $1160 as of 6-2003 $502 written off past due as of 6-2003 Charge off continues from 60 days to 180 days on 12-97 and each year theere is contiuos reporting. This item was verified and updated on 7-2003 Pulled PG this morning and it is now $1200.00 I suspect because of the BBB complaint.
  21. After complaining to the CRA's, the BBB of Virginia they just adjusted the amounts on my credit reports from $500 in 1997 which was the DLA to $1012 in 2002, $1146 in June, & after complaints to the BBB $1200.00 On experian they re-aged to 4/2003 Enough is enough What or how can I serve Crap1 in Virginia? Will they come to court in Los Angeles?
  22. They in my experience will pull 3 times or more on your report from other banks and finance companies. Be careful and in cali they use Exp. It depends on the dealer. they will lie and say we do 3 bureau. who believes that one.
  23. Yes and the Rosenthal Act that protects consumers from CA abuse is also a defense 1788.13 Any false representation that any person is an attorney at law. Can this tape of mine be admissable in court? They most know that they were taped since they spoke on an answering machine-right? Can I take them to court on these grounds? Impersonating a Law Firm. Would be a great $5,0000 small claims win.
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