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-descr
  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 Cert
  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
  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.co
  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 800-47
  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
  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
  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
  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" p