boogaloo

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Everything posted by boogaloo

  1. Thanks Obxdude! And congratulations on your credit report cleanup success!
  2. That's pretty awsome Obxdude! Care to post the letter you sent those companies? I was thinking of using the same method to get some inquiries removed but I'm stumped as to what to write.
  3. I can't find the discussion boards on the True Credit monitoring service anymore. Does anyone know if the boards are no longer offered on TrueCredit?
  4. If you have ever included Citi in a BK or charged off on them they will never approve you for their credit card products. I found this out the hard way. After 10 years they still have me blacklisted even though I have great credit now. Citi has a memory like an elephant.
  5. Thanks for the clarification. Yahoo made it sound too good.
  6. I just came across this article describing some new credit scoring products that will report payment histories beyond what the 3 major CRAs now report. FICO is offering what it calles a FICO Expansion Score Other companies will provide information on rent payment history, utilities payments and banking history are Anthem, PRBC, and eFunds. From my understanding, the PRBC score is consumer driven - that is, the consumer signs up for the service and pays all bills through them. Over time, steady, on-time bill payments establish a payment history used to calculate the score. http://biz.yahoo.com/brn/051122/17594.html?.v=1
  7. I was able to sign up for Walmart's TrueCredit for 7.95/mo. without spending the initial 29.95 for the 3 in 1 report. Here's how to do it: First go to the www.TRANSUNION.com (NOT the walmart site) At the bottom right of the screen, go to "Other Credit Report Options" and select "personal credit report at no charge". You will then be presented with a list of situations that would qualify you to receive a free credit report. Select the option that applies to you. (I was denied credit by citibank recently so that's what I chose). Fill in your personal information - leave the credit score and debt analysis boxes unchecked (these will be included in your TrueCredit membership later anyway so don't bother paying extra at this point), and create an account. Once you receive your free Transunion online report, sign out and then go to the Financial Services - Credit Reports link on the Walmart.com website. Sign on with the same ID and password you created when you received the free Transunion report. You will then be presented with the option to sign up for TrueCredit at 7.95/mo. (they add sales tax so you might pay slightly more than that). Input your payment info and you will get your first 3-in-one report with credit scores, debt analysis, community forum access, etc... Hope this helps those of you who are thinking of signing on with TrueCredit!
  8. Wiil TrueCredit still work if you have activated a Fraud Alert with all three CRAs?
  9. I tried to have Dell remove some late payments with a goodwill letter - they wouldn't budge even though the account was paid in full before the term of the loan.
  10. That's funny. I was able to pull fresh daily reports until I requested the fraud alert so I thought the fraud alert was the cause. I guess I'll be getting the same notice in the mail soon - I'll be cancelling as well.
  11. I've recently activated a fraud alert with the 3 CRAs. Does anyone here know if this affects my Privacy Source 3-in-one reports? I haven't seen the shortcut to request new reports for several days now - I only see the shortcut to view past reports.
  12. Congratulations you did the right thing. I had the same exact thing happen to me 2 weeks ago - not at Subways though. I got the card back and thought nothing of it and now I am suffering for it. They cloned my debit card and charged hundreds of dollars over my checking balance during the weekend before I caught it Monday. BUt wait it gets even better! The bank did not close my checking account after I reported it and seized my entire direct deposit paycheck today to cover the overlimit amounts and fees! So I've been victimized twice - once by the credit thief and once again by the bank!
  13. Hi everyone, I applied 4 times yesterday and TU is already showing 4 separate inquiries. I hope Privacy Source b**page will remove them eventually. Beware!
  14. Got a letter from MCK saying that they have closed my account because they could not charge their monthly fee to my credit card. No request to call them to resolve the issue or anything. I think I'll just let it go - MCK isn't worth it any more.
  15. Tried to get in just now. Got this message: "CreditKeeperĀ® is temporarily down We are sorry for any inconvenience this may cause. Please check back later to access your full CreditKeeper member benefits online! We would be happy to answer any questions you may have. Feel free to contact us toll-free 1-877-276-3919"
  16. Seems that MCK has gone the PG route - reports will now updateo nly on a monthly basis. The notice is right there on their homepage. I can't access any reports whatsover now. All I get is this: "Invalid Customer Information. Please Contact your Administrator"
  17. It's true. I saw the announcement on the MCK homepage just now. I was able to pull a new report this morning but now I can't even access that. I get this message: "Invalid Customer Information. Please Contact your Administrator" What gives with these people?
  18. Wasn't working for me since Sunday but it's working this morning.
  19. I haven't been able to pull a report since yesterday - I get the same message "We are having problems processing your order." The latest report I can access is dated May 28. I wonder what's going on?
  20. Ok, I just called MCI to verify that the bill was paid in full - it was paid in full back in February. The SR was very nice and said that it was obviously their mistake and that she would make a notation for her line supervisor to notify the CA to remove the charge off from my credit report. She said it might take 5-6 days due to the upcoming Memorial Day holiday. The SR's demeanor was almost too nice - I hope she was being sincere.
  21. Please help I'm just about to buy a house - this is driving me nuts and I need to get this notation off my CR ASAP! After months of cleaning up my 3 CRs and having pretty decent scores, my Experian FICO score suddenly took a nosedive due to a Charge off reported today by Progressive Management Systems. This is what my EXP reports shows: Collection Agency PROGRESSIVE MGMT SYSTE Original Creditor MCI WORLDCOM COMMUNICATIONS I Account Number XXXX Whose Account Individual Date Assigned December, 2004 Amount $41 Balance Not on record Balance Date May, 2005 Collection Status Paid account/was a collection account, insurance claim or government claim or was terminated for default Status Date May, 2005 First off, I've never heard from Progressive - second, I paid my final bill to MCI on February 12, 2005 and the amount was $30.74 - NOT $41! I don't know what to do. What recourse do I have?
  22. What happens when Experian puts a fraud alert on your CR? Doses this prevent anyone from looking at your CR - even legitimate inquiries like a mortgage app?
  23. I cancelled my PG account last week and quickly signed up with MCK. The MCK phone rep said they were not the same company as PG. Fine. I tried to sign on and pull a report and was prompted to enter a one-time security access code which I would receive in the mail within a few days. Ok, still fine with me. Today I open my mailbox and guess what I found? A LETTER FROM PRIVACYGUARD CONTAINING MY CREDITKEEPER ACCESS CODE!!!!! I guess the joke's on me cuz I signed back up with the same service!!!!
  24. Thanks. I'll give them a call later and see if they'll give me the code over the phone.