• Content Count

  • Joined

  • Last visited

Community Reputation

10 Good

About changochulo

  • Rank
    CIC Member
  1. I would suggest to go with a credit union if you are a member of one. If you are not a member of one, join one. You can join patelco and USAA for free, and also PENFED for 25 bucks
  2. Cool, thanks for the response. Im not fluent in law, would anyone be kind enough to give me a summary on how and where to sue? Smalll claims?
  3. I have a collection agency listed on my Equifax file. I called collection agency and spoke to a VP there. She verified on the phone that the account does not belong to me and faxed me over a letter where she states that the account is not mine. In the letter she included the e-Oscar confirmation # stating she submitted the deletion. Now, Equifax has not deleted the trade line, and ive sent the letter from the collection agency twice, and twice they verified it. What can I do to get it off NOW? Do you guys suggest lawsuit against equifax??
  4. CreditDiva, what did you tell them in order to get the CLI? I tried to get one and they said no way. Anyone in particular you spoke with?
  5. What Xanathos is basically saying is that its not likely you'll get a 9000 car loan for a car that is 9 years old. I dont think he was talking bad about your car choices.
  6. maybe you have a split file on one of your reports (EQ or TU for example) This was happening to me, I thought my inquiries were not showing up, until I found out I had split files with EQ. i called them and had them merge the 2 files, and the inquiries showed up.
  7. So today I found out that my Equifax file has split!! I dont know what to do. Both files have positive and negative accounts. Is this bad or good? Can any one advise me as to what to do? Also, if someone pulls my report, do they see one part of the file, or both files combined?
  8. I still havent recieved my card. I got a letter last week from BofA saying they needed address verification. So I sent them a utility bill. Hoping I get it soon. The check I sent them has not been cashed, however. I'll keep you posted.
  9. I have 2 collection accounts from Rickebacker. Here is the story. Over the past years, I have been arrested for driving with a suspended license. Both times i was arrested the police towed and impounded my car. Both times I never bother to get the cars back (rust buckets) The towing companies are now charging me 1,000 dollara each and sent me to collections. Never mind that they sold my vehicles and kept the profits.
  10. Same here. I cant pull daily any more. Going to cancel mine too.
  11. Does anyone know an e-mail address for a higher-up in Asset Acceptance? If you do, can you please provide me with it?
  12. I have not gone through the DV process. I was thinking if a PFD was possible, that would be faster. However, now that they refused, can I still send them a DV letter?
  13. You can call Experian to dispute by phone at this # 1-800-493-1058 Hope this helps
  14. Do you guys think that if i send a Pay for Delete letter, they will agree? Maybe they are reluctant to agree to a pay for delete letter over the phone because they are being recorded. Who knows.
  15. will the OC want to deal with me even if the debt was charged off and handed over to a collection agency.