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breathing_easier last won the day on August 7 2006

breathing_easier had the most liked content!

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About breathing_easier

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    500 posts and hasn't been banned yet....

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    Michigan, the Great Lakes State
  1. I'm happy for you, willing, as you've had to deal with way more stress these past few years than you deserved. The key is that you enjoy what you're doing even though you know you're overqualified. It sounds as if you also feel challenged and are learning, which is something I definitely do not. I did the work that I'm doing now when as I was working my way through college and it was definitely only a means to an end. I will miss so many of the people, though, as in only eight months I already count them as friends.
  2. I took a special early retirement package which was too good to pass up this past February from a company and job which I loved after 28.5 years. In May I accepted a position with a much, much smaller but well-respected company in this area. Even though I loved my job at my former company, I had a very large caseload and at times it could be stressful. I thought that working for a smaller company with a smaller caseload and finally working only 40-45 hours a week would be a nice change. My interviewers and ultimate management saw my resume which clearly spelled out my level of education, m
  3. I know you're frustrated, Kelly, but you need proof from Amex that they notified the CRAs. This is usually done electronically and so it's difficult for them to provide, but your sending a letter from Amex to you will not do the trick as it can be easily forged. Have you contacted the Credit Reporting Bureau at Amex once again to tell them that TU has not received their update?
  4. It means only that the credit furnisher is complying with the FCRA and reporting your tradeline as disputed, which it is. Once the final determination is made in response to your dispute, either verified or not, the comment should be removed.
  5. Awww, willing, it does my heart good to see your fortune turning around. So many of us remember when you were go through that very rough patch, having to leave Ohio (yep, still think of ya when I drive through Toledo several times a month), and all that. Your story gives encouragement to all who are going through their rough patch now. Good for you and DW!
  6. I've had my mortgage sold a few times over the years and yes, the former lender's balance will eventually report as $0 on your reports. If it doesn't happen within three months or so I'd contact the former lender and have them update their TL with the CRAs.
  7. A hard inquiry is usually placed when you apply for a loan or when a CA or OC is attempting to collect an outstanding debt. A hard inquiry can be seen by anyone who pulls your credit. A soft inquiry can only be seen by you and is usually the result of companies who want to present you with offers of credit.
  8. Is this your first home? If so, have you checked out the $0-down programs for first-time homebuyers? I know $2k or $5k can look like a huge amount when you think of it in one lump sum. Have you tried breaking it down into smaller goals - say, commit to saving an extra $50 per month to start with. Check out for inspiration. I don't agree with all of his ideas, but he does have some very good ones. Give eBay a's amazing what people will buy! Don't get discouraged. Just keep thinking "baby steps" and keep your eye on your goal. You'll have that home in no time!
  9. Unfortunately, there are just too many factors that figure into the FICO scoring model to know how much any one deletion will impact your score. There are quite a few threads on this subject if you want to do a little searching on the site. If these accounts are past the SOL they must be pretty close to falling off your reports. What state are you in (it's always very helpful when trying to answer questions if we know your state of residence, so please insert it into your profile so that it will appear in the upper righthand corner of each of your posts). Are you dealing with CAs/junk debt bu
  10. Many of the cell phone companies do report. Verizon Wireless used to report each and every month, both positive and negative TLs; however, now they only report TLs for 'seriously delinquent accounts.' Their explanation to me was that they must pay a fee to the CRA for reporting all TLs, so the less TLs they report the more they save. Cell phone contracts are not really 'pay as you go' as you're pretty much locked in to that stinkin' two-year minimum. It is not the CRAs responsibility to report a furnisher's TL. There is no rule that says a furnisher must report an account. However, if the
  11. It has been my experience that if the account is closed, the OCs are usually not willing to go to the trouble to have them re-inserted on your reports. Really nothing in it for them. If you are still doing business with the OC then they will usually work with you. If you will provide us with more detail about the TL ... when it was opened, when it was closed (if it is closed), which OC this is, if it was always a positive TL, etc. ... we may be able to help you attack the problem from another angle.
  12. This has nothing to do with the predicament you're in. Who did what to whom will not within the mother/daughter relationship won't make one lick of difference to the CA or to a judge. No matter how unpleasant and difficult your mother may be or may have been, her identity was stolen and that is all the law is going to care about. We're here to help, but you need to watch the attitude.
  13. While I have gotten some names from the NACA site, would like to hear from anyone who has used a St. Louis-area BK attorney with whom they've been pleased.