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    North Carolina

aints68's Achievements

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  1. Some of NC's laws are tougher than the Federal. If this debt is past SOL, then by NC law it is time barred. They can contact you, but they are not supposed to do anything (such as court action) to attempt to collect this debt. At least that's my understanding. Someone correct me if I'm wrong. How old is this debt? You should try to sue them here since NC seems to have tougher laws for this. I think damages are easier to get against the companies for pulling crap like that here in NC.
  2. You may be better off uping your security for now. I have an orchard account. It used to be secured for 300, but is unsecured now. They raised it up twice in the past. It's at $700 now. However, I called them today to try to raise it again, and the rep told me that ALL raises are suspended for now. They are not giving any to anyone right now. She said that they hoped this would end in a few months. I think the only way you can get yours raised up right now is by keeping it secured and raising your deposit.
  3. If they were to make a national appeal for Hay, they would have that stuff coming in from all parts of the country.
  4. I've been charging as little as possible, and paying off each month for that reason. I don't want to give them any more of my hard earned money than they deserve.
  5. Hopefully, this won't come back up on you again. Best of luck.
  6. I agree. From what I've seen, leasing is only a good option for about 20% of car buyers. I definitely know it doesn't work for me. I think leasing may have been more viable for more people years ago. People didn't travel as far away from home as often, usually just for vacations, family affairs, etc. It was more realistic that a family would put many less miles on a vehicle per year as they do now.
  7. Thanks, that's what I needed to know. We had already pulled the free reports 3 months ago, but were checking for an update for an old tradeline that was due to fall off this past month. That was our main concern, and then we wanted to check the score just to make sure we were in the right ballpark. I had already been told that individual reports are more compklete and accurate than trimerges, that's why I ordered individual reports with scores. I didn't have a problem with Experian and eqifax, the problem was with Transunion and an individual report. they don't sell it that way anymore, so thats way I was looking for a quicker way than a mail option for them. It looks like myfico will be the way to go. Thanks. (BH - better half)
  8. I do know that pulling my own report is a soft pull, but as I have never worked with myfico before, I wanted to make sure that they had it set up correctly. I have even dealt with banks that said thier updates are soft, but then they pulled them incorrectly, and it showed up as a hard. I just want to make sure that THEY have it set up right.
  9. I've had a PO box for years, mainly because I live in the country and don't want people able to rifle through the box on the street. Here's what works for me. I tell all of my creditors that I have a physical addres of ..., and that I get my mail at PO Box... Go get a PO Box and tell everyone that this is your new mailing address, but your physical address continues to be the same. The PO Box will end up in the credit bureaus as your new address, but in the future when you apply for things, they will all understand that the previous physical address is still actually your current address. You can do a change of address with the POst Office if you want. Either way the mail will end up still at your house or in your box Even after you move back in the house, keep the PO Box for a while, so that the addresses on your report don't keep changing. Also, once you get the PO Box, you still need to go by the house once every week or so. Things will slip through. You will also continue to get junk mail at that address no matter what. If you don't keep a check on it, the box will get too full, and a passerby may take notice. They will take the mail out of your box, and end up with info they can use for identity theft. Hope this helps.
  10. Thanks for the answer about myfico. I want to get this quicker than the mail option, but before I order it, I have a few questions. You said there are gaps. Do you mean a whole complete item may be missing, or just certain info within an item (such as date opened, high credit, etc.)? If its just parts within a creditor listing, I'm okay with that. Our main purpose for doing this is to see if an old item has come off now, and what the score is. I don't want to order if its so incomplete that I can't be sure about the old item. Also, I'm going to assume that this will show up as a personal inquiry and not a hard inquiry, causing a point loss. Is this correct?
  11. Maybe you guys can help me with this. My bh got his free reports from all 3 a few months ago. He had a few things getting ready to fall off. We wanted to pull a seperate new report with score from each of the 3 rather than a tri-merge. I've read that sometimes the tri-merge is not accurate. (He's looking to get a mortgage soon, so we are tryinh to be sure) We paid the fee for a single report and score from Experian and Equifax (great news by the way-the old stuff's gone now) Our problem is with transunion. I can't find anything on the website for a single report with score. I called their toll-free number and she said its no longer available. We don't want to have to join their service just to get this. The lady claims this is available from some third party providers, but I'm not having any luck with this. Any help with this would be greatly appreciated. Thanks!
  12. My EX BF is getting ready to refinance the equity line on his house. He is going to use some of the money to pay off some cards. The bank, however, wants him to close some of them because he has too many. It should not hurt his available revolving totals because his equity line will be more than what he will be losing. Now, here's the situation. I have good credit now, but my oldest history is 4 years. We were thinking that he could add me as a JOINT user on a few of the cards he has with older history than that. 1. I won't have to worry that he will run the bill up because they will soon be closed out. 2. I will gain extra history on my credit. I know my score may go down when the line closes because of loss of available credit, but I'm thinking that it shouldn't drop lower than where I'm at nowand I'm hoping the extra history will actually help. Am I wrong or right about this? I've also read on the boards here that some cards will give me credit for all the history where others will start my history at the time I'm added. That would defeat the whole purpose. If this will work with selected cards, then I'd like to do it, but I don't want to screw myself up. Any suggestions on this would be greatly appreciated.
  13. I've searched, but still can't find a definitive answer to this question.
  14. Thanks for the responses so far. I think we will wait until they are past due to fall off before we dispute. Just in case we have to try to get a mortgage before then, I don't want any updates screwing with the score.
  15. Thanks for the replies so far. I'm just afraid as this will be for a mortgage, they may want me to account for everything that I withdraw as well as deposit.
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