• Content Count

  • Joined

  • Last visited

Everything posted by lapoolboy

  1. Hello everyone, Long time, no post! I had an Orchard Bank credit card (shows up as HSBC on my reports) opened 10/2002. It was charged-off in 6/2003. They really didn't try much to collect before they charged-off!!! Only 8 months! Anyway, it got passed around to a couple CA's and JDB's and everything fell off my reports except for the OC- HSBC and the latest JDB - National Credit Adjusters. I've left well enough alone all this time because I haven't heard from anyone for a LONG time until today. Some idiot from NCA calls me at work! I tell her that this was taken care of long ago and not to
  2. Hello guys and gals, I recieved what I thought was a preapproved offer from Bank of America for one of their college alumni association platinum cards. I completed the application online and got the 10 day wait time for decision message. I called a few days later and found out I was declined. I asked about the partially secured 99/500 card and the rep told me I had to apply for the Platinum Plus and be turned down and I "might" get a counter offer for the 99/500 card. She said the college alumni cards did not offer that option upon being turned down for one. Doh! Anyway, I wait for the de
  3. My girlfriend has perfect credit. She applied (and got) a Circuit City Chase Visa with $7500 limit. We charged a bigscreen TV for me and I've paid every monthly payment online. I want to see if she will add me as an AU and I can get credit for all the on-time payments I've been making. My question is, will all the payments from the inception of the card go on my reports or just the payments from here forward after being added as an AU. This is a $3100 TV that I will have paid off by Feb. 07. That is all that was ever charged on the cards $7500 limit. Balance is now down to $1500.
  4. well, i find it odd that the CAs can verify to the CRAs since the CAs told me they needed more information to find my account. So they've verified with the CRAs without first validating to me. I'm basing my 30 days from initial contact on first seeing their TLs on my reports. I have moved and have recieved no correspondence from them. I only knew of them when I saw them on my reports. So, I still have them on a violation, right? I disputed one way back in April and they marked it as "disputed." I DV them again last week and they say they want more info. to find my account, but they veri
  5. I didn't give them DOB, SSN, TL, etc. I sent them a letter with my name and address as it appears on my credit reports. I didn't want to give them more info. than they already had. I did, however, send proof of identity and residency in my dispute letters to the CRAs.
  6. Should I respond to the request for more information from the CA, or just ignore it?
  7. I fired off two DV letters last week. Got the green cards back, sent disputes to all 3 CRAs. Got a letter back from one CA wanting more information because they couldn't find an account to match my name and address. I ignored it thus far. Haven't yet heard from the other CA. Today, got a letter from TU saying both came back verified! What do I do now?! Sent ITS letters to both CAs demanding they delete their entries since they verified with the CRAs before validating to me? They also changed one entry to read "factoring company." Isn't there something special I read somewhere I can do
  8. It is simply listed as a collection account. placed for collection in 1/2003, last updated in 4/2003 when i disputed by phone. it is listed "disputed" on all reports. They haven't reported to the CRAs since I disputed it by phone in April. I read somewhere that they can't remain disputed forever. A resolution has to come sometime. It has been 6 months. See edit to previous post.
  9. cool, thanks...i'll send another letter giving them the account number as it appears on my credit report. Any wording I should use? As a side note, I fired off disputes to the CRAs as soon as I got back the green card from the CA. Should I just wait and see what becomes of those? I did send the account number, proof of identity and residency to the CRAs because I knew they'd try to delay and ask for it anyway. Will the CA not be able to verify with the CRA since I got a letter from the CA stating they can't find the account? I fear that if I send the account number to the CA and they fin
  10. well, when i was stupid and uneducated, i called them to dispute it. I told her my name, the OC, and the partial account number that appeared on the report. She said she'd look into it and to call back in 30 days for the results. Since then, I found this site and have done nothing since April when I called. To this day, the TL is still listed as "disputed" on all the reports but I have recieved zero correspondence from them regarding this issue. My thinking is that they had enough information to find the account if they listed it as "disputed." So, last week, when I sent the DV letter,
  11. Anyone have any real-life experiences with National City's secured card? I have read the security agreement over and over again but I am still confused. Do they use your deposit only if you default? If I don't default, then that money stays there and they refund it to me when the card goes unsecured? I think I'm going to send in the minimun $250 to start and then add more later if i need to. I plan to just charge dinner a time or two each month and pay it immediately. Then, in 12 months, maybe they'll convert to unsecured and send me the money back. Is this right? I would like some inpu
  12. anyone??? If they have enough info. to report it, then I would think they have enough to find and validate it. Am I right? Before I found this site and I called them back in April, they apparently had enough info. to find it - they marked it as "disputed" on all 3 CRs. All I did was call, give my name, and the partial account number that was on my CR. I read here somewhere that I should not provide the CAs with any info. they don't already have. I figured my name and address would be sufficient. Is this just a stall tactic or do I really need to provide them with more info.? And if so,
  13. Here is the response letter I got after I DVed Credit Protection Associates on a Blockbuster charge they are trying to collect: Dear Sir, Your correspondence did not include an account number and we are not able to find an account that matches the name or address provided in your correspondence. If you could please provide the following, I will do everything I can to work with you and resolve this matter: -complete account number -other names that might be linked to the account (maiden or married) -other addresses that the account might be associated with -account balance -social security numb
  14. I have read and read some more but I see very little mention of specifics on the "initial contact" clause. Here's my case: My credit reports show ALL my previous addresses. I have lived at my current address for more than the last two years. Can I just provide a copy of my lease showing I've lived here and not recieved any letters should any of my DVs come back as "we don't have to validate - it's outside the 30-day window"? We send all our correspondence to them via CMRRR to prove they got it. So, if they just send a letter regular, ol' USPS to any one of the OLD addresses on the credit
  15. I am definitely not going to DV Arrow. They're not even on my reports any more so there's no need to. I just wish I could get rid of the OC, Friedman's. I think I'm gonna try a dispute with the CRAs and if that doesn't work, I'll try for a PFD with Friedman's instead. It's got a couple more years until the 7-year fall off date since DOLA.
  16. You messed up when you disputed with the CRAs first. You should always DV the CA ahead of time and then dispute with the CRAs a few days later. This is the old 1-2 punch technique. Gives the CA and CRA chances to make violations. The CA has wiggle-room now and can pretty much do whatever they want. You disputed with the CRAs, so all the CA has to do is verify with the CRA, not you.
  17. I had an account with Friedman's back in 2000. They "assigned" the debt to Arrow to collect. Arrow fell off all my reports without me even disputing it. Friedman's had the account listed as "charged-off." My question is this, how can Friedman's assign a debt for collection with a CA if it is charged-off? Apparently, Friedman's still owns the debt, they just assigned Arrow to collect the charged-off amount? Friedman's is still reporting a balance past due. Should I just settle with them, maybe a PFD? What do I do with them since they are the OC and there are no other CAs trying to colle
  18. This is my first DV to a JDB offering me a free gift if I settle the account. It is for an old bank overdraft charge....less than $100. What do you think? Me RJM Acquisitions, LLC 575 Underhill Boulevard Suite 224 Syossett, NY 11791 18 October 2005 To Whom It May Concern: This letter is being sent to you in response to derogatory information I have found reported by your company on my TransUnion and Experian credit reports recently. As a result of these erroneous entries, my credit has been negatively impacted. I dispute this alleged debt in its entirety and hereby request proper validati
  19. Nope, I'll just wait for the denial letter.
  20. with a small $300 limit. I have read that they may require a small $50 or so deposit as a stipulation. That is fine by me. I checked the application status and it says "referral" - to a live person i guess, for approval. I want this card really badly. That will give me two revolving accounts - Patelco and Chevron. Then I'll be well on my way. All 3 Fico's in the high 500's....still lower than I'd like, but I figured Chevron approved me so what the hell, right?
  21. Household tranferred/sold my charged-off account to A&S Collection Associates. A&S is listed on the CR as a "factoring company". The DOLA on both accounts is listed as 11/2002. Should I wait until December to arrive before I start DVing these guys? That would put it past the 3 year SOL on revolving accounts in Louisiana. Also, what is the SOL in Louisiana on installment accounts? The more I read here, the more hesitant I'm becoming at DVing any CA for an account that is still in SOL. I don't want to stir up a hornet's nest and get served. If the OC charges-off a debt, how do I g
  22. None of the TLs on any of my reports is linked to my current address. I have been living here for over 2 years. Is it pointless for me to dispute my old, obsolete addresses since ALL of my negative TLs are attached to them? As a side note, I haven't gotten any dunning letters, phone calls, or any communication whatsoever from any OCs, CAs, or JDBs at the address I'm living at now. My mother is; however, getting correspondence from time to time. My question is this...Can I DV at anytime since I don't know when initial contact was made? I'm sure alot of these are outside of the initial 30 d