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jack_a

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Everything posted by jack_a

  1. 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.
  2. 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!
  3. 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!
  4. you can get a report number from experian to dispute with free using this link: http://www.experian.com/cic
  5. 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.
  6. 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
  7. 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"
  8. 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.
  9. 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!
  10. 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?
  11. 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.
  12. 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.
  13. FICO's- EQ- 633 EQ- 530 TU- 558
  14. FICO's- EQ- 633 EQ- 530 TU- 558
  15. 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
  16. 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
  17. (I'm using this thread to keep an online summary of my scores) Feb 1st - EX 562, 505 TU, 542 EQ Mar 10- EX 562, TU 562, EQ 548 Lookin' a little better, I guess!
  18. (I'm using this thread to keep an online summary of my scores) Feb 1st - EX 562, 505 TU, 542 EQ Mar 10- EX 562, TU 562, EQ 548 Lookin' a little better, I guess!
  19. I was thinking the SAME thing!
  20. I would never say that it was easy. Most of this was very time consuming. I'm fortunate enough to have a very flexible job that allowed me to spend hours kissing rear and/or BS'ing. I guess the point of my post was to say that there is more than one way to skin a cat. And that although it's not instant, you can see results after just a month, so people shouldn't get discouraged. If someone won't help, hang up and call back and get a different person. I bet I called FNBO ten times. The search engine for this site rocks. If you're having a problem with a CA or a Bureau, type the name in and develop a strategy. I told myself that I wasn't going to post here until I had a success story rather than to ask for help. There's just too much information on this board to learn for yourself rather than to beg for mercy. Well, except for one thing... The apartment thing has me a little in arms, and let me describe my problem. I was a real problem tenant for most of my early twenties. I have three complexes after me for amounts ranging from 270 to 1400. Something under SKY recovery is listed twice, so i disputed both and cited the other charge for a double listing. Same thing with another under National Credit System...one already has my listed as disputing. The other place doesn't have a collection agency listed, just the charge. I called the complex and they had no idea where collections went, not even the manager. I ask if she'd put that in writing and she got skittish. So I still have my work cut out for me.
  21. I disputed _everything_. The worst they can do is prove it's mine, right?
  22. ....I started my journey into rebuilding my credit. I started with a EX 562, a 505 TU, and a 542 EQ. 90% of everything on my report was my fault, but I wanted to see what some sweet talking and correspondence would get me before shelling out money. I can't believe how much fun this is...really. I love talking to collection agencies now. Anyways, some of the things I have done to date: I had a SBC entry for $110 that I sent a planetfeedback.com complaint letter on. I sent it off Monday and they have already confirmed that they are removing the entry. One day! I then wrote a "happy" planetfeedback.com letter with their names in it for helping me out. I called FNBO to dispute a $216 hit I took. She couldn't find me in the database, so she said she's removing it, and mailing a UDF for my records. I also called Portfolio Recovery and offered to pay two accounts, in exchange for removal from my credit report. They refused. Later that day I found an email for Mike Benedict on this website, and sent him a personal email asking for removal. He replied and said that he was deleting both entries and mailing me a UDF. I had a utility company from Denver I owed $53. I told them that I'd pay them as soon as they could remove it. I filled out a form and mailed it back. They in turn mailed me an agreement to remove and furnish a UDF upon payment. Off the check went. A bank account from Frost here in Texas said I owed them $535. When I called to dispute that one, I told them of my long history with their bank, that I lived in a place that was impossible for me to use their services, and told them that both of my self-employed parents bank with them. Then I was told that it was THEIR mistake, they apologized, and promised to send me a letter saying as much. I found a fax number for Pamela Benton with Sprint PCS on this site, and sent a fax stating that I wanted to deal with Sprint and not Cavalry, their unhousetrained pitbull. She called me the next morning and emailed me my billing history. I'm now in the process of working with them to remove the entry before I pay them. Now, the big boy. I had my car repossessed in November and some sleazy attorney named Charles Soffar had my file. I made it a point to engage in friendly, benign (sports, movies, etc) conversation every time my rep from there called. And I wrote everything down. One day, I told him that if he could arrange for the item to be completely deleted and if he could fax me a statement signed by the great Mr. Soffar himself saying such, I'd be willing to settle. No fax. So I called the next day, told my guy that I wanted a new account rep and that I would settle the minute that they could verify that the new agent would get the commission. He flipped and I had the fax I wanted the prior day in thirty minutes. I mailed off the check right away. I still have a lot to do, but this is just a hybrid way of doing things that I've picked up from folks here. Now, my question...I have a bunch of entries from apartment complexes. Three, to be exact. One is listed as "customer disputed account-reported by subscriber", and two just say "placed for collection". Any ideas on how to go about this? Thanks!
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