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Been_Ponzied last won the day on August 24 2009

Been_Ponzied had the most liked content!


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    Northern California

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Been_Ponzied's Achievements

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

500 posts and hasn't been banned yet.... (6/6)



  1. You'd have an "attitude" too if you had been what I have been through and someone asked you if you had any records through all of that. I'm not apologizing to anyone. No one was there to help me when I was that far down and I reserve my right to have an "attitude" about it.
  2. Oh this is funny. Any records that I was homeless? When all you can think of is where to park your car that night so the cops can't harass you (and they almost always wake you up and do), the last thing on your mind is getting records! Apparently you don't believe me. I am on SSI and therefore my checking account, which has ten cents in it, is exempt. For them to try to sue me would be stupid and I told them that. Oh, and I had to sleep SITTING UP at the wheel because my car was so small. I had to keep waking up to start the car and run the heater. In the snow. Oh and I am stuck with complications from diabetes because I couldn't afford the $2 a day in ice to keep my insulin cold. For being a moderator, this stupid question takes the cake. Its because you can't even imagine getting down that far. I had to do this for nine months to save up a security deposit to get into a roommate situation. I had to crap in an open field once. You don't have a CLUE .BTW, I'm a female in my 50s. I think I can find my own answers from now on rather than ask some rich bitch my questions here. I just need to brush up.
  3. Now they are sending me letters. And my financial situation is NOT going to change. I'm old, retired on SSI. I don't own a house or anything. Anything in my checking account is and always will be from Social Security. Gee, I didn't get any help over posting this question at all.
  4. No way, I was homeless for 9 months and moved a gazillion times. I am judgement proof.
  5. All I have are my credit reports that say 2010 as date of first default (when it was actually 2007). I disputed them and it came back the same. Do I try with the CRAs again, or start writing letters to the debt collector? Isn't it just my word against theirs? The CRA's do not seem to do very well when disputing the date of first default!
  6. Pinnacle credit services has re-aged my debt 3 years and is harassing me by phone. It's been so long since I've fought any collection agencies, that I've forgotten everything! Can I turn them into the Sate Attorney or something? How do I prove they have re-aged my debt 3 years and what do I do next? I don't even know if they own this debit anymore.
  7. My credit score dipped quite a bit this month and all I had was a hard inquiry. Does anyone know how many points an inquiry gets you for?
  8. There are multiple spam messages in the Credit Repair forum. What's happened to this place? It used to be great, years ago. But now there's a lot of weirdness going on.
  9. No, its $10.95 extra per month for me. But maybe that's because I'm on the Lifeline cheapo low income service with AT&T.
  10. That is SO true. I came to an agreement with AT&T on my bill, and so I pay the new amount and every month, they creep it up a little more to see if I notice it and call them. They are greedy bastards, all of them. And Comcast is the worst.
  11. THANK YOU SO MUCH. I just got approved for $500 with only a 590 score. Now I have two open accounts.
  12. I'm on social security disability and receive about $6,000 a year. YES, I'm that cheap. If I used CMRRR's it would come out of my grocery budget, which is too tiny anyway.
  13. OK, I think I understood that. Thanks. I just don't like talking to companies on the phone at all.
  14. Very cool signature. You are doing a great job. Did you get all those deletions with just disputes?
  15. Is CreditKarma.com a FAKO score? Anyone know how they come up with their one score on you?
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