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Everything posted by Been_Ponzied

  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?
  16. I am getting close to several items falling off and I need the DOFD. If I write the CRA a letter that is not CMRRR, will they write me back and tell me what the DOFD is? I prefer not to go through the stress of calling them, but if you say I must, I will.
  17. I'm talking about when writing to a CRA to dispute. Do you really need a CMRRR when you don't intend to sue anyone?
  18. This thread has 5 stars and is no help at all. I have one cc and I just need 2 more to help rebuild my credit and am always looking for places to apply for. I check out Crown Jewelers but I don't need or want their overpriced jewelry. No one else will give me a cc, except for my Capitol one card.
  19. Hmmm....I have USAA insurance. I wonder if they'd approve me? My credit score is only 577 yet I have a Capitol One unsecured. I am happy with it. I need to find a few more accounts who will approve me, but everyone turns me down now.
  20. I am posting this here because I cannot get to a new page on this site without the window for Lexington Law popping up. I filled in my phone number, very regrettably, and they call me 5 times a day with a recording and also a very pushy salesman. You need to get rid of them as advertisers. The only thing they do is to charge you for getting a settlement! I called them and demanded them to stop phoning me and they still call me. I am turning them into a consumer agency. They act more like BILL COLLECTORS and deny they are salesmen, saying they are all paralegals on the phone. STOP LEXINGTON LAW.
  21. Capitol One gave me a credit card and my score is only 577. However, they are the ONLY one that will. Other than those expensive cards where you start out with a $95 service fee to pay off.
  22. Thanks for answering, but I still say its irrational that they have the original default date as secret and we can't get it.
  23. I filled out the little pop up windows here to get a call from Lexington Law. Come to find out, they only help people settle and I can't settle with anyone. Now they won't stop calling me and bothering me. I'm disabled and can't afford Caller ID. I hate the phone ringing all the time. How do I make them stop?
  24. Because the only dates that are filled in are "date opened" and "first reported," not the date of first delinquency. The accounts don't have a secret date that only the CRA knows, do they? It says on one of your links that the "CRAs have it on file." Since when do they have secret information that we can't get?
  25. None of my credit reports except Equifax have "date of first delinquency." And no one at all seems to report that date to them! Its totally blank on all items.
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