cookiemnster

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About cookiemnster

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  1. OK.... I can't NOT say anything. You obtained the cards fraudulently, within the past two months. You then charged enough that you now can't keep up the payments. When the bk hits your reports, will you then put another fraud alert on your reports and say someone stole your ID and filed BK in order to get around the accurate reporting? And you're worried about what cards you can keep, or what cards you'll be able to get post-BK? How about learning something from the experience - something you obviously missed before in whatever situation brought you to all the boards? Now, before you get all high-and-mighty, I have no issue with people filing BK, none at all. I think life hands us circumstances which we can't control which leads to that - and sometimes that's even our own inability to manage credit. But you think none of your creditors are going to cry foul when you get the cards and less than 6 months later you file BK? Did you at least have a job when you applied??? JMNSHO.
  2. IMO, for disputing you need reports from the big 3, just to be as well-informed as possible. However, since you have the reports from freecreditreport.com - use them to dispute all old name variations and old addresses off of your report. That will get you free reports from the big 3 with your results. From there, dispute the tradelines. no, not really Yes getting all the old chargeoffs will help you. You might want to think about a secured card for now, which will help you start building some positive revolving history. ~Cookie
  3. Even if Providian wasn't specifically listed in your BK, there is caselaw that says that anything that should have conceivably been included is assumed included. Either way, the burden would be on the creditors to prove that they weren't included in BK rather than the other way around. It would be a moot argument anyway for the creditor unless they were secured debts that weren't dischargeable.
  4. Go get 'em Tiger. Oh, wait, you can't - you don't have a solid papertrail. I've been in the boat of not getting an email confirmation for a dispute. All in all, the bottom line is - judges like to see a papertrail. There are enough judges who don't trust electronic communication, don't see it as reliable enough, that the CRRR papertrail is worth it.
  5. People in here generally tell you that for disputing purposes, to get your reports directly from the source - EQ, EXP, and TU. You cannot dispute information that is garnered from a third party re-seller, a category that myfico.com falls into, even though the scores are based on their algorithm. You can use the information from the myfico.com reports to dispute via CRRR, however; and that is generally the preferred method for disputing anyway as it builds a solid paper trail.
  6. Sallie Mae is only reporting to EQ right now, but TU is eternally hopeful they'll regain that lucrative contract, so they've only suppressed the TLs instead of deleting them (which is what EXP seems to have done.) I got rid of my suppressed Sallie Mae TL's by writing a letter stating that they've been waiting for that update for over a year, it's obvious SM isn't going to update because everyone knows that SM is no longer reporting to TU.
  7. They have a tiered system, I think - because I don't send much actual mail anymore, my stamps.com basic charge is only $4.59 a month or so. I know it's a weird number but I'm too lazy to go look at my cc statement And, get this - you can buy that special paper at the post office now. Am I the only one who finds that ironic?
  8. Also keep in mind, that generally, late pays that are over 2 years old are barely factored into your score, if at all. It's the "eyeball" factor at that point ~ meaning it's not very attractive during a manual review. It's very possible to get very very very good credit, even with a couple of late pays.
  9. Follow the normal paper trail, IMO, and add that to your ITS when the time comes. They'll rack up more violations if you give them a little more time. That will give you more to "negotiate" with when you're forcing them to delete.