Jump to content


  • Posts

  • Joined

  • Last visited

Profile Fields

  • Location

Trying*Hard's Achievements

CIC Member

CIC Member (4/6)



  1. I don't know if things have changed in the last 2 years, but that is how long I have had a checking acct with usaa, and I have never been in the military and no family members have been in the military. As far as the BK I am not sure.
  2. Well I thought that since a fraud alert was on file it would just make them be more careful and make sure I was the actual person applying for the card, they was able to pull a inquiry. Does that mean to say that they just tried and wasn't able to pull my report, anyway I tried to call but they didn't have anything in their system. This fraud thing is becoming a problem, I never asked for it some CRA put it on there and the other Two put it on their too because I disputed as "not mine" and it has helped me get inquiries off since it was put on there, but I guess I need to just take it off.
  3. I totally agree with this just a little upset it took me so long and a unnecessary chargeoff to realize it , I used to decided what to pay either this or that and I realize I could do both I just used the credit that I had available and took the cash and paid the cc that way both bills were paid, and I haven't missed a payment since
  4. I applied yesterday and got the further processing required probably due to the fraud alert on file but they pulled EQ do you think I will get it with a 594 fako.
  5. I've noticed that Chevron will give you a rebuilder card if you at least have a positive tl on report they pulled eq for me
  6. Ok I have an Orchard Secured CC, but as my scores are increasing the preselector for the Household cards now says that I qualify for the Orchard Classic Mastercard annual fee 49.00, I know that some ppl were denied because they already have a cc from Household and some ppl continue to receive more than one cc from Household so do u think since the one I already have is Secured that they would also let me have the unsecured as well.
  7. I sent the cookie cutter letter, before seeing KentWA's reply, seemed to work though
  8. I sent the letter above and got a deletion letter from CA.
  9. I was able to get Midland deleted by emailing dv letter to brandon.black@encorecapitalgroup.com and Sandra.Ross@MCMCG.COM try it just may work for you too.
  10. I have had this card for 2 months now I should get my 1st 100.00 increase next month, but they have not reported to CRA yet, I also have Total card by Plains Commerce , may be the same company, I know it is the same customer service reps, but it is very high fees but it has helped my credit score tremdously which use to be in the 400's. Many may not agree with this, but it has help me I look at it like this I ruined my credit, so I have to pay a little more than the average person to get it back, if the fees don't kill ya, go for it.
  11. sometimes I get confused about which 30 days. No I didn't dispute within 30 days of receiving my first letter they sent. Yes I did dispute with the CRA once I receive the green cards back, as of today account is still listed "in dispute" I haven't heard back other than that settlement letter, so I sent a 2nd dv--guess we'll see what happens.
  12. just the standard dv letter NCO/Marlin Intergrated Capital, LLC PO BOX 8529 PHILADELPHIA, PA 19101 Re: Acct # xxxxxxxx To Whom It May Concern: This letter is being sent to you in response to a notice sent to me on February 15, 2005. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested. This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: *What the money you say I owe is for; *Explain and show me how you calculated what you say I owe; *Provide me with copies of any papers that show I agreed to pay what you say I owe; *Provide a verification or copy of any judgment if applicable; *Identify the original creditor; *Prove the Statute of Limitations has not expired on this account *Show me that you are licensed to collect in my state *Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
  • Create New...