Peh102

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About Peh102

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  1. Admin- >>>>>You Said ..................."I would seriously threaten a lawsuit, as you are actually being harmed. (I'm mostly referring to the lates, not the 19.99 interest)." I just saw the word "threaten". Do you think that would be effective? I'll do it in a heart beat, but I guess I think they will just roll their eyes. And, if I state it--then I had better be prepared to do it. Tell me more of what YOU would do. p/pa
  2. I spent the better part of this afternoon and just sent out (certified, return receipt) a letter to Chase Bank along with 19 pages of documentation. I am not sure; however, if I should address this again with the 3 bureaus. It has not been 60 days since the first investigation in which NONE of this was corrected. What do you think? Is this a case where it would be ok to throw out the 60 days? As far as proof- YES! I am happy to state that I have all of my statements showing my payments, except one. This past June I made my payment and it was deducted from my bank account, but when the July statement arrived it had not been credited. I telephoned Providian and it promptly appeared on the August statement. I still feel that I would be ok as I would have my bank statement as proof. I also have 9 notebook pages of notes with people's names and dates of my struggle. I just received my updated CR from Trans. Remember, they are the ones past the 30 days. I immediately saw that Providian had been deleted altogether - YIPEE.....but then I saw that all of the same information was still showing except it was under Chase. Joy shortlived! And, I pulled up the PA Superior Court site and began to check into what procedure I would need to take. My neighbor was just sworn in as our District Justice. We are seeing them Friday night, and if appropriate; I would like to get his take on the situation. All in all, though, is the decision of time. I have already spent HOURS on this computer trying to figure it out and then trying to correct. Do I take it to the next level, which will require more time? How long of a process is this? Although, it is amazing that these creditors do this!@! Just think of the many people out there who really just don't understand what is happening to them and maybe do not have the resources to fight it. It makes me sick!! My husband has quarterly meetings at the Capital (in PA). I just don't know who we could talk to--(our representatives? sorry...but they just don't seem to be the ones) How do I calculate exactly what this has cost me? Especially if I can't figure out the scoring system. And, one other question...who would I file against. ..Providian or Chase or the bureaus? One thing for sure--there just has to be something done. Thanks for the help p/pa :confused: :notsure: :notsure: :notsure: :notsure:
  3. Ok...I did not send any additional info. But, what if they come back and say that a creditor sent additional info. Does that get them off the hook? :ooh: P/pa
  4. Admin, thanks for the reply. I don't think that I am able to yet. Because my mortgage was tripled in the CR's postings and because this account through Provdian showed me as 180 days late 8 times,which is nuts!!!, my score is below 700. I have the mortgage corrected but cannot get Providian, which absolutely fell apart, and now Chase to correct. When I first started trying to fix this, all of these scores were in the high 500 to low 600. A major drop from the year before when our scores where in the high 700s. I am making progress, just not quick enough. Currently, Equi - 630 Exper. - 680, Trans - is around the same, haven't check this since June. My husbands scores are worse. Although they did correct both problems and the scores have come way up since June. The bizare part is when you check onto CreditExpert and Equifax's Credit Monitor - my husband has no negative items, long history, several mortgages as we have moved several times, been employed with the same company for 18 years - and yet a score of 619???. It makes me so mad! And Now, after having my auto for 8 years, we need to look at a new purchase. With trade in and about $5000 saved for this, I will still need to finance. I have found in the past 4 to 6 months that the scoring system is really set up to screw the consumer. We are just now in the middle of a re-finance and I don't want to go to the bank until all of that is completed. We have several properties so it is not a simple and quick process. I thought about applying for a transfer, but I'm afraid to start trying to obtain new credit as I think all creditors really only look at the score. I almost believe that the credit bureaus are in bed with the credit card companies. If everyone's score is kept way down....who's reaping???? Am I just bitter? And, besides even if I can obtain a transfer - my credit report is still showing me with all of these lates. I just put together all copies of my statements that show proof - and a letter to Chase and to the bureaus. The bureaus verified this as true with Providian - which is crap! This time I am sending copies of everything. Am I taking the correct steps, or can you think of anything I am not doing? Any advice is welcomed. Thanks....p/pa :notsure:
  5. Ok Guys...Again I can't find what I am looking for. I gave my copy of Kristy's book to a Prof here at the University. And, my eyes are blurred from working on this most of the day. I just received an email alert from Equifax. My score dropped 28 points. They have just now listed my accounts under dispute. I sent this request August 29th. My green card shows they picked up Sept. 1. They never sent me notification that they were extending their investigation the 15 days. And, the first postings on my online report showed up October 4. Is this a violation? Seems kinda close to me....what do you think? Peh/ :o :o :o :o :o :o :o ....going to bed now. ....Thank you credit bureaus for a wonderful day cleaning up YOUR mistakes! Boy...is the credit reporting system messed up. I am so glad that I have this site!!!!!!
  6. Thanks Ruby...Are you saying this because most places that pull your report are really only getting the score? Even if you are applying for a new credit account or loan, do they usually see the whole report? Any circumstance that you could think of where putting this statement together would actually hurt you? For instance, when you dispute a posting at the cr, you score will acutually go down. Thx peh :notsure:
  7. I have looked hard and I just can't find anything in my book or on the site about the option of putting a 100-word Personal Statement on your credit report. I thought for sure that I saw somewhere on a message board where Kristy advised against doing this. If that is true, why? I've not utilized this, but I have recommended it to many clients. Thanks Peh/pa
  8. ........Providian sold my account to Chase. Chase sent me notification of this on July 17, 2002. I attempt to make my payment via internet to Providian on the Due Date--August 15, and it shuts me out stating that I must contact Chase. I had no account number...nothing. Get a phone call from Chase Aug. 22...I'M LATE? I explain that I had not rec'd anything as of yet, but give pymt over the phone. Chase removes my late fee. Come Sept. - still no statement. I email Chase on Sept. 5 requesting acct #, etc. I say on the email that I will not make another pymt over the phone until I verify that my last pymt was credited correctly. I rec'd on Sept 26. And, I have a phone call on the 27th from Chase...I'M LATE. I explain again, again they removed the late fee...well they are suppose to. But $29.00 is the least of my concerns........................................................ I rec'd in writing the small booklet with the Privacy Notice from Chase. This arrived with the initial letter in July. It states in under New Terms: Existing Balances... "If you have balances with fixed rates applied to them on the effective date of this Notice, that rate will continue until you make all payments required under your present re-payment arrangements, you fail to honor your present re-payment obligations or your Account is re-opened." ________________________________ My fixed interest rate with Providian was 6%.....it is now 19.99%. Last week, I spent at least 2 1/2 hours talking to everyone, including 2 supervisors, at Chase. I explained that there MUST be some sort of mistake. No one there knew anything about this booklet sent out. Each and every rep. I talked with stated that they were told all terms were off from Providian, so basically they can do whatever they want. I did get two fax numbers to write a complaint to, but I was told that I simply had to live this. ________________________________ Did I break this agreement in the process of the "changeover"? What else was I suppose to do when Chase took over? My new due date with Chase is the 10th, which means the late fee from August was already applied when I went to make my payment to Providian which was due on the 15th. Am I crazy? Or Are they Crazy? And...do you think that maybe they just withheld my stmts knowing that I would be late and would "break the agreement."? Would Chase do something like that? Do I have any legal grounds? ________________________________ If I am stuck with this...maybe I should go with CCCS. Anyone know what interest would be dropped to with Chase? I heard 7%. Any help is appreciated. I am in this to the end. Peh/pa :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad:
  9. Hey...You got more than me...I got $13.01. Yeah...we just got back from our cruise... peh/pa :D :D :D :D
  10. Do you ever wonder about the people who work at the Credit Bureaus? Someone at Experian has a problem with their Equifax Credit Report.....Do you think that there journey is the same? ....just wondering? Why, I don't know... :upsidown: PEH/pa What about asking this original question on the IS THERE A LAWYER IN THE HOUSE Board?
  11. Thanks Guys....Sorry if I sounded "stressed." Swede...I appreciate your tongue and cheek. I am so frustrated with this whole mess. It has gotten to be almost a full time job. Thank God for this website. Out of all the sites that I found, this really has been the most helpful. I have sent several clients to this site. And, I personally know of a Regional Vice President of a Bank in my city who has directed his Branch Managers to this site to get their questions answered. I am going to pour my stress into helping the CR find the perfect employees...look for this in the major papers. ******Help Wanted Ad from Experian, Equifax and TransUnion********** ...Correcting your credit report.... ...doesn't pay well....no benefits... lousy work conditions....no team environment, you're basically on your own. You'll be required to do ALL your own research and incur All costs. And, must provide your own hearing aides...why? Because around here, we are all HARD OF HEARING..... Call today for your personal interview. 1-800-YrSrewed--- But, please leave a message...because we don't ever answer the phone... COMPANY MOTO: GUILTY...UNLESS PROVEN INNOCENT! ...and, we hate the innocent@ ____________________________________ Do you guys think that it is ok to go ahead (before my 60 days since my last dispute) and dispute this right now? Peh/pa :notsure: :notsure: :notsure:
  12. :p HA HA...Cute! I don't think that will help my situation. Seriously...what should my next step be? Peh/pa
  13. Now what? I disputed the bureaus because when a creditor, who sold my account to another creditor all of a sudden showed my account as 90, 60 and 30 days past due. And my nightmare began. I have this completely cleaned up on my reports. I am only working on Tran and Equifax for my husband. Today I check Equifax...something knew has been added. Itis now showing that he is 8 times - 90 lates....which is crock. I wrote (throught email) to them and ask them to provide me the proof that this was true. They told me to contact the creditor but assured me that they were able to obtain the proof. I just spent 2 hours and 10 minutes on the phone with CHASE....and got nowhere!!! Yikes! Now What? Take a look at how Equifax has this posted on the report. ">>>>>Recent Payment History >>> Seven Year Payment >>> History >>> 30 days late: 1 60 days >>> late: 2 90+ days late: 8 >>> 1 unknown date 2 unknown >>> dates 10/2001 >>> 9/2001 >>> 8/2001 >>> 5 unknown dates" I can prove that 10/01, 9/01 and 8/01 were paid with copies of the cancelled checks? What is your take on a credit report stating 5 times past 90 days....but dates are unknown? What should I do next? Should I wait the 60 days before disputing this again? Should I try again through Chase...which won't work. The original creditor is Providian...and forget them, too! Man. I need help! I can't believe how mad I am. And, I can't believe what these "people" are capable of. They can absolutely reck lives! And not care. P/pa [Edit by Peh102 on Monday, September 30, 2002 @ 10:00 AM]
  14. I have learned a lot in cleaning up some mistakes on my cr and in the process I spoke with one rep. at one of cr who said that most people have a credit score of 725 or more. Yeah...I don't think I believe her.....When I asked her to clarify this, she stated that more Americans have at least 650 or higher and many 725 or higher. What do you all think? Is it even possible to have a credit score of 850? Two years ago, before these mistakes were entered onto my report, I didn't. I would be curious to know if there really are those out there with high scores? Or are these high scores impossible to achieve? And, with the insurance industry basing your rates on your score....is this all just another scam? What do you think?
  15. This is so stupid, but I am working on having something updated on my cr. I sent my request cert. return receipt. Trans. sends me this letter saying that they are entitled to the 15 day extension because I sent additional info to them. It says..."my initial info was received on 9/3 and my additional info was received on 9/4....therefore, ....bla...bla...bla... giving them fifteen additional days for the investigation to be complete. Are these people from earth?? I sent only one letter. And, there had been no time for the creditor to send information regarding the investigation, because the investigation would not have had time to begin. Clearly, this is a lie. It makes me feel sick in my stomach. Should I just let it go? OR Dispute the Dispute??? help! peh :upsidown: :upsidown: :upsidown: