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Everything posted by beeboah

  1. I am just curious, and don't have a judgment on my credit report yet, but it may very well be coming. I was just wondering in the scope of things how hard or easy it is to dispute a judgment on a credit report as compared to a BK or a tradeline. Thank you
  2. I ask this because I was able to remove a tradeline from a creditor from all 3 reports. At a later time, they came back and sued me. I don't know if they are going to get their judgment (beyond the scope of this post really) but if they do, I was wondering if it will appear with certainty? Would it also be less likely to appear if the original tradeline was removed from the credit report? After all the FCRA states that CRA's must take steps to ensure that the tradeline never appears again once it has been removed on a credit report. Not sure if this is the same thing, but it seems to me that I could argue with the CRA's since they removed the tradeline pre-judgment. Thanks
  3. I am in special handling, and special handling never EVER will call me back. My online credit report is locked down so that I can't dispute anything. I was thinking about going CMRR, but now I hear that I can't dispute via CMRR? I can't believe this! What do I do? Thanks
  4. I need to send a dispute into EX, and EX likes to pretend that they never received a copy of my driver's license. I was thinking of copying my DL and tracking number onto the face of my one page dispute. My only concern is that by giving them a copy of my DL and tracking number that would obviously mean they only got a copy of my dispute. This dispute will probably make it to court based on my past experiences with them. I don't want them to be able to say that all they got was a "copy" of my dispute. Any thoughts? Thanks
  5. I know that this is widespread, but I think it can be used to unfairly manipulate consumers pockets. Example: I live out in the country and have to take my infant to the doctor. I get completely snowed in. The closest doctors office is 50 miles away and there is no snow in that locality. I cancel that morning since the snow storm started that night, and get a $20 cancellation fee. I can site 1,000,000 different examples, but to me it seems like doctor's offices now have a unique tool to hold you hostage and trash your credit report. Say I am a police officer, and I just issued a citation. I miss my appointment due to that. Any way to fight this stuff? Very curious... Thanks!
  6. Just curious. We have more than one vehicle and both vehicles are in both of our names. Thank you for your thoughts.
  7. So far my two TU inquiries wont bump with CIP. I have been pulling for nearly a month.
  8. I have been to lazy to become a joint account holder, and was wondering if and which credit reporting agencies no longer count authorized users towards the FICO score as of todays date. Thanks
  9. Wow, life is good then. Maybe I can move forward in circuit court for injunctive relief. Heck this time I will be sure to book a day off!!! Thanks!
  10. Really? For the same specific account? So in other words, I can still rack up violations on the same account? REALLY?????? This issue is legitimate. They are populating an account that they can't verify.
  11. Not suprising, but not right either. I am entitled to a non-suit as a matter of right. Some judge....
  12. Thanks, I have already been banned, then reinstated. Will I get banned again potentially?
  13. Oh well, guess what. I didn't show up because I started a new job. I think that EX did. I sent the judge a nice memo attached to my voluntary non-suit reminding the judge of his obligation to dismiss without prejudice. The judge dismissed with prejudice on me!! Unreal! I can't sue EX anymore unless I appeal. Without counsel, I give up.
  14. Just curious, I am sure it uses the TC engine, but I haven't seen my 2 TU inquiries fall off in the last 3 weeks of bumping. However, it always took me months of bumping before my inquiries fell off. Just wanted to know, so I don't waste any more money on chase if not required. Thanks!
  15. I have been blocked by True Credit and Chase and it's quicker to come here to ask for the 2nd or third number that I will be transferred to then hold 40 minutes. I don't need the first number (800-362-8182). What number do I get transferred to after that? I want to talk to someone I can understand. Thanks! FYI - I would prefer to talk to chase because it looks like TC has unlocked me, but Chase has kept me locked!
  16. FYI I just signed up with Chase Identity Protection after it was suggested here. After two days of pulls, that is blocked to. Chase is telling me that True Credit is blocking me from accessing my account. That's right, the rep I spoke to specifically asserted that!! BE WARNED!
  17. FYI I just signed up with Chase Identity Protection after it was suggested here. After two days of pulls, that is blocked to. Chase is telling me that True Credit is blocking me from accessing my account. BE WARNED!
  18. I just got cancelled by TrueCredit and went over to the Chase side! Much simpler and no annoying waits. I DO notice that I cannot see my Experian Credit Report through them. My EX report shows blank. Hmmmm!
  19. In my case, it truly wasn't accurate. They were reporting chargeoff on my credit report every month. Most here will tell you that they CAN do that, but it was enough to get them to back off and delete.
  20. Thanks, heh well you are correct. This is probably a 12 second car, quite a few mods. I thought it was going to be my daily driver, but I think my 92 protege will live on with that role. AWD should make it a nice car in the winter. I have a family now, so not quite so sure why I got something like this. I had one 5 yrs ago and I was immature back then. That car blew up and I never could quite live down the loss. I plan on taking it easy with this monster especially in Virginia. Car has a luxurious feel in the front seats I swear. It feels better than my G20 in that respect.