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Been_Ponzied

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Everything posted by Been_Ponzied

  1. This is happening to me too. They move the "date opened" date forward a few years so that they have more time to bother you with collection calls, and it falls off years later. This must be illegal, but I have yet to find out more about his practice. I would say talk to the credit bureau.
  2. So, what really happened - was the total charged off or was it partially paid in a settlement? A settlement is more positive than a complete charge-off. If you have proof of the settlement, I would definitely dispute those charge-offs with the proof. P.S. I like your question about authorized user. I'll bet you could get it deleted, but I just don't know and would like to know the answer to that, too.
  3. That's a good question. I really doubt that GEMB would find your card and attach it.
  4. I'm thinking of putting my very, very meager savings on a green dot card, since I am on SSI benefits and cannot open a savings account. Besides, I need to use it - for possible veterinary expenses on my dog. Has anyone tried this method of savings? I guess nothing is reported to the credit bureaus, that you have a card in use? What do you think of this method and in what ways do you use it?
  5. Its for an internet connection. Its a year old, but AFNI collection agency re aged it to just the last month.
  6. I owe AT&T $97 and I don't want to pay them because their reps lied to me repeatedly and treated me horribly. They have turned me over to a collection agency, who re-aged it a year forward. Do I have any recourse at all? I have never had a problem like this before with any other utilitiy company. They have all been nice, except for AT&T. My daughter has them too and she refuses to even call them or speak with them about her service! I just talked to them and they insisted they would run a CREDIT CHECK on me, and make me pay the balance for LIFELINE service, which is only $5. AT&T is so rude; they just think we are sitting ducks and have no options but them. I will NEVER pay them. I have plenty of options for a phone. Any ideas at all are appreciated. This is a matter of principle, I feel. Thank you.
  7. I signed on with USAA last December, after they repeatedly told me by phone that I had $100 coming "in a few months" after I had my direct deposit done. Finally, I pinned them down in a couple of emails on their site, that they would deposit the $100 on April 30. It never happened. When I called them, they transfered me to the CEO's office, who would not admit they owed me these funds! They just double talked around on it. They KNOW I have emails stating otherwise. I told them I was going to report them to the Office of Thrift Supervision and the BBB. They didn't care. They advertise that their customers are more important than their profits on their website yet it has been as though they blacklisted me, when I complained about their auto insurance. I don't mind making these complaints but I just really need the $100 ASAP now and they know it (I'm on social security disability). What can I do?
  8. Great post. I just have one question: did you dispute online or by mail? THANKS.
  9. I just got six deletes online through EXP and am wondering if these will ultimately affect the other two CRAs? (I'm feeling too lazy to do the deletes in long hand like I really need to for EQ and TU, but will do them if I have to).
  10. My Ex husband forgot to remove me as AU from a gas credit card, and my CR shows balance and payments by him, so it definitely is showing history that's helping me! Of course I would never attempt to use it.
  11. That's to be dealt with by the OC, and you have to provide plenty of ID.
  12. Wahoo, that's a really good testimonial to using AU. That ought to be in a sticky somewhere. Didn't the Joint Account go out with the institution of the Patriot Act?
  13. I am an authorized user on someone's card and my credit files reflect the payments that person has been making. It helps a little to be an AU but not a great deal, IMO. Because the credit file still states that you are only an authorized user. It's better than nothing.
  14. Yes you can dispute for wrong amount but you'll need proof of the correct amount if they are holding firm. So, you'd have to do the dispute via snail mail and send them copies of proof.
  15. What does that law say? I did a search and could only find a code that establishes the FTC and their seal on it.
  16. Credit Bureaus do the verifying; Original Creditors do investigating. So you can ask that it be investigated. Maybe in the investigation they will find out that yours is one of the receiver problems and if so maybe they'd cancel it. I have a Direct TV charge off for $207 and its the only one of my charge offs that went to a lawyer or JDB. Since I don't want to stir the waters, I'm going to leave it alone. (Not saying you should).
  17. There used to be a lawyer online who would write a letter to someone who owed you, for $50, but he seems to be gone. I can't find anyone in person who will do it for less than $200 and I can't afford that. Does anyone know of a CA lawyer who will write a letter to someone who owes you? If I write out the details in numbered lines for him?
  18. I am thinking of suing in small claims court, because my damages are small. The $80 refund plus my higher premium due to "lapse." I don't have the money for an attorney to get involved, with this small of a thing. However, that's interesting that you can petition the DA to act! Are you talking about a legal petition? Or would a letter maybe do the job? I hate to think that just anyone could legally cancel my car insurance for revenge sakes.
  19. My ex husband's girlfriend called my car insurance company and cancelled my car insurance! The only security questions they asked her was my name, address, phone number, and email address. A refund was made in my Ex's name and my name to him, for $80. I have a new insurance company now, but my premium is higher because I had a "lapse" in insurance! The cops won't write a report because they say the penal code says that Identity Theft is only when an account is opened in someone else's name, not when an account is messed with! If so, don't you think the penal code needs to be re-interpreted or something? Laws changed?
  20. How about getting a secured card? You can do it with several different banks and I would think it would be quick because they take your money (min. $300) to open it.
  21. I haven't disputed anything online since 2005 before this try. Four years. Could that be too often?
  22. Thanks, you found the exact law, too! The unemployed part is really good to know, as well. I know many unemployed people. I'm not on county welfare; I worked all my life and became disabled on Social Security. I believe my SSI/Medicaid card qualifies me as on public assistance. Of course there are other ways of falling on hard times! P.S. I already knew I could get a free report from AnnualCreditReport.com, but I believe you get it slower that way and/or they have more time to investigate than usual; am I right?
  23. I just tried. Both Equifax and TU want money. There is no option for a free report when you are on benefits! I had a URL for Experian from BofA Privacy Assist which let me in for free, but none of them give you the option of a free report. Guess I'll try by mail.
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