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Everything posted by nativechild48

  1. Have you contacted a NACA atty. at NACA.net? If this was in your BK do you still have info confirming this?
  2. Can you be more specific? This can mean anything from MP downloads to an acct. with GEMB!
  3. Please make sure you hang on to all of your papers from the Post office and your letters as you do have this for your case. Validation is your right!
  4. When I was in credit repair, I placed a fraud alert on my CRA's, as I believe my records had been compromised. Many JDB/CRA's will use another person's name (as they might not have the person's SSAN) and reage and place it on someone else's credit report. (this happened to me!)
  5. Good for you!!! I've been there and if you read and ask questions, you will learn and earn and get past that 750!!!
  6. Anyone trying to build or rebuild their credit and they find a CU lending them secured, do a thorough investigation to insure its you get them to report to the big three. The same holds for banks. Many lenders report secured as unsecured, but some do report as secured. Banks tend to give you a small amount of money in addition to your deposit, but many CU's only let you borrow only on your money.
  7. This is not meant to be a fight with you but of course the average reader would know this was meant to be CRA's!!!
  8. So very true. Itsa illegal, I went to a bodega once and they tried to make me pay a surcharge for using a CC, I left everything there, but had I known then, I would have gone after them.
  9. Read the statement. Kevin was speaking of secured. He said he recently got it unsecured. Of course its good to know many things but there are many banks that offer secure credit and they report to all three. Bank of America, National City and I believe CitiCards have secured cards. Credit Unions will mainly give you dollar for dollar on your money and all might not report to all three on secured CC's.
  10. Any credit card that has a low available credit is hurting your score. FICO will be changing for AU, but currently when you are added as an AU the more credit used hurt your FICO.
  11. Can you explain what you are saying? Many CU's only report to 2 CRA's at most. My CU does happen to report to all three (Penfed) but I do not know if they have secured cards.
  12. Be careful with disputing inquiries because some lenders will think someone has committed fraud against you, especially if you were approved. "B" is the best way to remove from TU and EQ but EX requires time.
  13. As long as you did not give any false info with your application, you should be just fine. IMO many people open too many Amex cards without age, or open many other TL's during or after their approval and they are always doing AR's and see this and worry that your income might not support your CL's.
  14. This CA's wording of "verification" does not mean validation. How old is this acct.?
  15. Have you ever done a search on this website? I and many others have mentioned this many times. I have also mentioned about opening a CD and borrowing on it. Some CU's do not report to all of the 3 major players so this is a problem for one with a thin file.
  16. You can tell them (C&D) not to contact you except to inform you they are discontinuing their attempt to collect or planning some legal action. Also, you can tell them not to contact you by phone or at work but only by mail. A debt that old I usually tell them by mail they are S*** O*****L***. Its one's discretion if they want to DV and CD on a junk debt.
  17. I never did business with them but I do know that they can report on your CR for 7 years as it is a baddie, and it is a utility. While each state has an SOL for certain debts many treat utility debts a bit differently. Here's some good reading and apply it to what you need: http://www.lawdog.com/
  18. If they purchased the debt, they can try, but the JDB has to prove its a legal and valid debt and many of them will say assigned, but that's a ploy in many cases to get one to pay up.
  19. If this is a legal debt, and the CA is trying to collect for the original OC some states do have provision for that. Any any event the best course of action is DV, this is why its so important and its a legal right. You always want to know why you are being charged for any monies one says you owe. DV CMRRR!
  20. If a creditor ratejacks you, use the card as a PIF and let it grow a little lint in the sockdrawer. Always check your credit reports. Many lenders will ratejack if they see something negative or you are maxing cards out. It is better to have good credit than maxing out good credit!!
  21. All I would do is burn that and run and apply for a secured card or two at BofA, or a secured CC with a CU (open a CD and ask them to borrow on your own money; you will still earn int, and pay int.) but it will report and ask them to unsecure it after a year of good payment history. You can PIF everytime it reports and just buy something just to gain trust and reporting, and you will earn a TL that opens the door for other TL's that won't fee the heck out of you.
  22. I have 4 Amexes and have gotten CLI's since I got my 1st on 2002. I have never had a problem with Amex, but its good to be on time, make large payments or PIF and not search high and low for too much new credit, Amex will feel you are over extending yourself and might not be able to repay. IMO CLI's after so many 30 day CLI, Amex like you to wait 6 months after the 3rd one. (this is what I was told by a CSR).
  23. To each his own. I prefer HD to Lowe's. I get a discount when my DH shops for me at Lowe's (he works for them part time), but GEMB is stingy with CL's; 2.5K compared to HD 11.5K. I like the variety at HD as well.
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