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About Alexander

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    Impressive 100+ postings
  1. LL Bean card from Barclays bank. Got on-line approval! Got 10 K at 11.74% variable. LL Bean has some nice wide sneaker boots and I need a new pair. With the card both shipping and return shipping are free. Trail Model Hikers, Low-Cut: With this card I broke $1
  2. Hurricane Ike seems to be heading for the gulf coast. Possibly someplace between Galveston TX and Houma LA on Saturday. It’s to soon to tell where this storm is going but it people along the coast should start thinking about making preparations. National Hurricane Center
  3. Hurricane Gustav weather links I just wanted to give people a heads up about a message board that is dedicated to meteorological data and tracking hurricanes and tropical storms. There is good info. over there on hurricane Gustav. Check out the Tropical Analysis Forum and the Gustav forecast updates!
  4. The problem is that under the new BK laws, if you make to much you can’t file CH7. And then there is the weighting period. A lot of people are upside down on their houses and not many people are buying right now at the current prices. Buyers can’t get financing and lenders want more than buyers want to pay. Home owners would do better to just get an apartment and walk away.
  5. After the current economic troubles are over, something needs to be done to regulate the lending practices of the banks originating mortgages. It’s probably inevitable that congress will pass tougher regulations. The Glass-Steagall Act should never have been repealed. I like Bernanke (Helicopter Ben), what a cool name! But paulson is not really quite up to this tough a stretch. Paulson tried to make a new word last month. Downcline is a new word! According to Treasury Secretary henry paulson. http://eg
  6. Good post. Nice opinion by the appeal court! For the lack of a free record check they lost a federal appellate case! That’s outstanding!.
  7. Agreed. I can’t remember the last time I went over 1% CL utilization.
  8. Yup. But I worked long and hard to build up my credit profile. I started with a CH 7 BK and 32 negative accounts and public records across 3 credit files in 2001. Now I have over 100K in CL and 13 credit cards 5 of which are cash rebate cards of one type or another.
  9. Chase Freedom card What a great, great FICO score can do! I am putting this in the credit repair forum to give people hope and to gloat a bit. I applied for a Chase Freedom card online last week. I was immediately approved. This is a cash rebate card. It pays 1.25% on all purchase and 3.75% on the 3 most used of 15 bonus categories. I got a CL of $9,500 and an interest rate of 15.99% variable. Never mind that the Schumer box on the on-line site lists the interest rate at 17.24% variable. Oh and I get a one time $50 back bonus in about 8 weeks. I called the regular 24 hour customer service numb
  10. That’s a good question. 1. A company in California called Fair Isaac ( ((FIC)) ) makes credit scoring algorithms. They are a public corporation full of egg head math whiz type people who develop complex credit scoring systems and sell them. At they sell credit scores from all three credit bureaus. 2. Three credit bureaus (credit repositories) exist in the US. They are: A. Equifax B. Experian C. Trans Union Each credit bureau has different information deposited into its data banks on each person of interest. That
  11. "The police immediately arrived, took theplaintiff away from the teller window, had the plaintiff spread her legs for a pat down search, handcuffed her, and placed her under ARREST."
  12. I am not misunderstanding the law. I just totally disagree with you. I say again: Yes any bank can have any person arrested for trying to cash a check regardless of weather the check is good or bad. The bank just have to believe that a law is going to be broken by the action of the patron. "Reporting Criminal Conduct Is Absolutely PrivilegedIn Hagberg v. California Federal Bank (2004) 32 Cal.4th39, plain-tiff, Lydia Ortiz Hagberg, a Hispanic woman went to a California Fed-eral Bank to cash a check from Smith Barney. She presented her Cali-fornia driver’s license, Cal Fed ATM card, the Smith B
  13. Legally BOFA is not at fault. Any bank can have any person arrested for trying to cash a check regardless of weather the check is good or bad. The bank just have to believe that a law is going to be broken by the action of the patron. Weather or not he cashed or deposited the check makes a HUGE difference. To deposit a check one has to have an account with the bank one wants to deposit the check in. A bank generally won’t arrest a person for depositing a check even if it is bad. If the bank does not take extra steps to determine if the check is bad right while the patron is at the bank, the ba
  14. Clark asks his listeners to do business elsewhere and pull their money out of BOFA. 17 Million dollars has been pulled out so far. This gentleman sold two mountain bikes on Craigslist to an unknown person and tried to cash a check for $2,000 in New York city and was arrested for felony fraud. He was tossed in jail, strip searched and locked in a small cell with drug dealers and users till 11:30 PM that night when his dad bailed him out for $4500, 10% of the $45,000 bond. He says he was never read his rights. The DA drooped the charges the next day. After 7 month he had the record of the arres
  15. It’s good that it’s only $200. Getting a police report is always a good idea. Especially with identify theft issues with banks that can get you arrested. Debit cards are covered under regulation E (electronic funds transfer act). Yes the debt becomes yours 60 days after you would have gotten your statement. No I don’t think you can call the bank charge off identity theft after the fact. No you are not eligible for deletion. Yes the bank could have and can have a warrant issued for your arrest and have your but tossed in the county jail. Yes the bank can go to court and try to get a judgment a