jack_a

I haven't had any luck so far with mine, but that hasn't stopped me from trying. What I've tried (hope this helps): (1) Planet Feedback letter. No result. (2) Called and talked with sympathetic rep, gave sob story. No result. (3) Sent certified email to company CEO. No repsonse yet.

I've had mine for two months, and have gone up from 551 to 556 on TU, a 589 to 599 on EX, and a 556 to a 561 on EQ. Hope this helps!

I've been disputing an account with them, and they keep verifying it, even though Sterling, FNBO, CCB, and Infobank all deny my account exists. Here's what Norm Vercammen, Sterling VP in charge of dicking me around, emailed me: We have contacted FNBO and the following is their response: The account was with a collection agency CCB but was closed back by them. We are trying to get a hold of this customer to explain that this was a Sterling account that charged off and then sold to FNBO. The account hasn't been sold to anyone else. The reference that the customer makes to Conseco is a mis-description on Experian that reflects FNBO/Conseco instead of just FNBO. We are in the process of correcting this with the bureau. You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file. Any dispute regarding your credit report should be made directly to the credit reporting agency (Equifax, Experian, Trans Union). When a credit reporting agency receives a dispute, it must reinvestigate and record the current status of the disputed items within a "reasonable period of time," unless it believes the dispute is "frivolous or irrelevant." If the credit reporting agency cannot verify a disputed item, it must delete it. If your report contains erroneous information, the credit reporting agency must correct it. If a reinvestigation does not resolve your dispute, the Fair Credit Reporting Act permits you to file a statement of up to 100 words to explain your side of the story. The Federal Trade Commission recommends that your dispute should be made in writing to the Credit reporting agency. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, explain why you dispute the information, state the facts, and request deletion or correction. You may want to enclose a copy of your report with the items in question circled. At Sterling Bank and Trust, FSB we pride ourselves in the service of our customers. Therefore, if an error exists, we will cooperate with the consumer reporting agency to correct any inaccurate information. Thank You, Norm Vercammen Sterling Bank & Trust Assistant Vice President Servicing Manager 248-351-3393 Fax: 248-351-3434 Email: NVercammen@sterlingbank.com I sent a DV letter on 3/21. Any suggestions on what the hell they mean here? Thanks!

you can get a report number from experian to dispute with free using this link: http://www.experian.com/cic

ReadNotify.com Proof-of-Posting certificate. The one or more digital certificates shown below were generated and attached during dispatch to your email entitled " certified email from Jack A*******" sent on Sat, 19 Mar 2005 22:27:08 GMT from jack_a@*******.net to aglover@sterlingbank.com with ReadNotify.com reference 6c7dd4db62bccf37404fd98d1b0b0470 and your messageid ' <005601c52cd2$8b8a5420$0200a8c0@JAX>' For your convenience, your original (now digitally signed & time-certified) email is attached hereto. HTML portion certificate:- ReadNotify.com E-mail Posting-Time Digital Certificate. On Sat, 19 Mar 2005 22:27:08 GMT the above e-mail arrived from jack_a@*******.net for aglover@sterlingbank.com, was assigned sequence number #1989040 and ReadNotify reference 6c7dd4db62bccf37404fd98d1b0b0470, digitally signed, and immediately dispatched. NB: This certificate irrevocably links the body and headers of this email to the date and time they were dispatched. The following signature is now published online; to view it, verify it, or for more information, please visit www.ReadNotify.com. -----BEGIN PGP SIGNATURE----- Version: GnuPG v1.0.6 (ReadNotify.com TimeStamp Server v2.2) Comment: Certificate #1989040, created Sat, 19 Mar 2005 22:27:08 GMT iQBvAwUBQjynPDanThAdit3tAQGOtQLQhDkRoGGwqrh2S4zNQ9uJVGxbBwAzBAC4 iXdj2xTlBqMVM34iK4p8+KM/JmHngd+HwiC+8aaGefYD7U3sFJmLHhStyUzAzK27 8HbxdLg0epHbFWVcYfzsqI7r =CElD -----END PGP SIGNATURE----- My new friend Aretha had Norm Vercammen (NVercammen@sterlingbank.com), SB&T Assistant Vice President - Servicing Manager email me back this morning.

Aretha L. Glover, President (06/05) Sterling Bank & Trust, FSB One Towne Square 17th Floor Southfield, MI 48076 (248) 351-3492 (O) Fax (248) 948-8751 aglover@sterlingbank.com

as a second test I decided to find email addresses for Experian. googled: "@experian.com" theresa.ho@experian.com christina.karpowitz@experian.com susan.henson@experian.com steve.lopez@experian.com DAN.MINNICK@EXPERIAN.COM samantha.sale@experian.com deirdre.higgins@experian.com Matthew.Besler@experian.com heather.greer@experian.com steve.lunt@experian.com roslyn.whitehurst@experian.com bruno.rost@experian.com donald.girard@experian.com susan.henson@experian.com JIM.GRAF@EXPERIAN.COM mary.hennen@experian.com noelle.armstrong@experian.com Hoang.Chau@EXPERIAN.COM rose.ohlendorf@experian.com peter.manfredo@experian.com John.Block@experian.com alan.griffiths@experian.com This is what I picked up through the first 25 pages of google. If you want to see what each person does, enter (with quotes) "firstname.lastname@experian.com"

I have found a pretty good way of contacting creditors via email. Once you find the domain of whoever you're needing to contact - Marlin Holdings for example is http://www.marlinholdings.com, go to Google. In the search bar, and it is very important that you do this exactly this way, type "@marlinholdings.com". Meaning quote, the at symbol, the domain, and then quote. Search through the results and you'll find email addresses belonging to employees, corporate officers, and the like. Most of the time you can click on the link, then hit control-F to find a line, and type @marlinholdings.com to locate the listing. Almost all collection agencies belong to some city, county, or state organization, so it's easy to find people and what they do for each company. Next , go to http://www.readnotify.com/readnotify/ and download the ReadNotify program. It works with Outlook, Outlook Express, and Eudora among others. It provides you with all of the following: tracking reports: Date and time opened Location of recipient (per their ISP city /town) Map of location (available on paid subscriptions) Recipients IP address Apparent email address of opening (if available) Referrer details (ie; if accessed via web mail etc) URL clicks How long the email was read for How many times your email was opened If your email was forwarded, or opened on a different computer sending options: Certified email Ensured-Receipts and retractable emails Invisible tracking Self-Destructing emails Block printing Block forwarding Secure Encypted emails Track MS Word or Excel documents receipts: In your Personal Tracking Page (when you log in) Email ReadNotifications Legal Proof-of-Opening receipts Delivery Service Notifications (DSN's) SMS alert on your cell-phone or pager (I'm not intending to sound like a shill for ReadNotify..it's just easier to cut and paste what it does) I did this last night and had the Dallas area manager for RMA Inc call me at 8:30 this morning. An executive assistant for NCS called me at 10:00. Hope some of this helps, and feel free to ask my any questions.

guys, I've been trying to find out which CSI (and they are legion) covers Austin Energy. Can you give me more info, please? Thanks!

OK, so I'm having problems with FNBO/Sterling Bank now. I pulled a report on Friday, and they were still on it (TU)! I also disputed this and it came back verified! So I call FNBO at 800-755-5249, and was told that they haven't had my account since 9-13-01, and it was a Sterling Bank card acc't that they returned. I call Sterling at a new number that FNBO gave me (800-650-5929), and they tell me that they can't do anything becuase they don't have the account, and that I need to contact FNBO. So I call FNBO back and am told that I need to contact CCB, their collections department at 800-473-7994. I call CCB, who tells me that they no longer have the account, and that I need to call Sterling at 800-424-8518. I call Sterling, who tells me that THEY DO NOT HAVE THE ACCOUNT! So I call FNBO and raise a little hell. The supervisor at FNBO gives me Sterling's chargeoffs number, 800-252-1772, since THEY DON"T HAVE THIS ACCOUNT! Frustrated, I call this number and raise a little hell. This CSR tells me that she can't even find me in the computer, and that I need to call their infobank at 877-856-2508. I ask for a supervisor and am told that they have all left for the day (this is at 4:00 CST). SO finally I call this infobank and am told that this account is so old that they can't do anything. I tell them that they have been doing something every month for at least the past 24 months, reporting it to the credit bureaus. She says that it has "Z" status, which means that it's a prehistoric chargeoff. When I said that I wanted to pay for it in exchange for deletion, she gave me 800-473-7994 and told me that they would take care of it. So finally I call that number and guess what? It's CCB, and they want nothing to do with this. The supervisor tells me that they have repeatedly told me that this wasn't their account, and to stop calling them as they couldn't do anything for me. WTF?

I just wanted to add that the 972-390-3838 fax number for Experian goes to a department called "Profile Maintenence". Cingular and AT&T have both faxed letters to them on my behalf with that listed.

I just wanted to add that the 972-390-3838 fax number for Experian goes to a department called "Profile Maintenence". Cingular and AT&T have both faxed letters to them on my behalf with that listed.

FICO's- EQ- 633 EQ- 530 TU- 558

FICO's- EQ- 633 EQ- 530 TU- 558

emails from Experian... Report Date: March 09, 2005 COLLECTION COMPANY OF Account Number: 436.... Outcome: Deleted PORTFOLIO RECVRY&AFFIL Account Number: 492210203.... Outcome: Pending PIERCE HAMILTON & STER Account Number: 125.... Outcome: Remains NATIONAL CREDIT SYSTEM Account Number: 76.... Outcome: Updated NATIONAL CREDIT SYSTEM Account Number: 77.... Outcome: Updated SKY RCVRY SERVICES Account Number: 0000000000012.... Outcome: Pending SKY RCVRY SERVICES Account Number: 9800000000012.... Outcome: Pending FNBO Account Number: 545315200107.... Outcome: Updated CREDIT MANAGEMENT INC Account Number: 2096.... Outcome: Remains BC SERVICES Account Number: 137.... Outcome: Deleted Pending Items NATIONAL CREDIT SYSTEMS Account Number: 77.... Outcome: Pending Date: April 09, 2005 NATIONAL CREDIT SYSTEMS Account Number: 76.... Outcome: Pending Date: April 09, 2005 PIERCE HAMILTON & STERN Account Number: 125.... Outcome: Pending Date: April 09, 2005 CAVALRY PORTFOLIO SERVIC Account Number: 565.... Outcome: Pending Date: March 27, 2005 CREDIT MANAGEMENT INC Account Number: 2096.... Outcome: Pending Date: March 27, 2005 Report date: March 13, 2005 PORTFOLIO RECVRY&AFFIL Account Number: 558281377.... Outcome: Deleted SUPERIOR ASSET MANAGEM Account Number: 1060.... Outcome: Remains SKY RCVRY SERVICES Account Number: 0000000000012.... Outcome: Deleted SKY RCVRY SERVICES Account Number: 9800000000012.... Outcome: Deleted HSBC AUTO Account Number: 5000000068.... Outcome: Remains Pending Items NATIONAL CREDIT SYSTEMS Account Number: 77.... Outcome: Pending Date: April 09, 2005 NATIONAL CREDIT SYSTEMS Account Number: 76.... Outcome: Pending Date: April 09, 2005 PIERCE HAMILTON & STERN Account Number: 125.... Outcome: Pending Date: April 09, 2005 CAVALRY PORTFOLIO SERVIC Account Number: 565.... Outcome: Pending Date: March 27, 2005 CREDIT MANAGEMENT INC Account Number: 2096.... Outcome: Pending Date: March 27, 2005