Jump to content

PeteDude

Members
  • Posts

    189
  • Joined

  • Last visited

PeteDude's Achievements

Impressive 100+ postings

Impressive 100+ postings (5/6)

10

Reputation

  1. Libel, defamation of character, etc. . . I think contempt of court might even apply. Basically, if they lost, they should stop, or risk handing you the keys to their office. That's pretty much what it boils down to.
  2. I used their card for a couple years and closed it. The high interest rate was driving me bonkers. Other than that, I don't remember having any problems with them.
  3. Department store cards usually have issues in some form or another. Some have weird or expensive payment systems, some can't get their bills right, others do crap like what you mentioned. It goes with the territory-- there's a reason why the idea credit portfolio includes only a couple department store cards. I've never seen Macy's drop my limit, but we've never used ours much anyway, so I might not have noticed. Their billing systems do some weird things occasionally, but other than that I haven't had a problem with them. Overall, I'd say the Sears card has been easier to work with than Macy's, though. I'd recommend Sears if you want something to boost your scores.
  4. It is insane, but it has its uses, as a credit rebuilder mentioned above.
  5. Not to resuscitate an old thread, but to pipe in just in case it helps. . . I did most of my credit repair myself like other folks on here, but I also liked using Centurion (yourcreditattorney.com). I used them for the tough stuff that I couldn't get yanked. Would sign up with Centurion for two, three months then cancel when there was nothing to really sic them on. This is not a shill, nor a ringing endorsement. It's just an option for when you need some help or can't get it done yourself. Like I said, I did most of my repair myself with the help of folks here (including doing things like sending copies of letters via FedEx to creditors and to state Atttorneys General).
  6. If I remember correctly, the acronym stands for Creditnet Holiday Onslaught of Disputes. . . it's actually CHOD, isn't it? The idea is that the credit reporting bureaus have many employees taking time off during the holidays plus they lose 4 working days and 4 weekend days to the holidays, so it becomes more difficult for the bureaus to respond during the 30-day window required by U.S. federal law for credit record disputes. If the bureau cannot respond within 30 days, they must drop the item. While I see admin's point, I'm not certain to what degree these functions have been outsourced to India. I don't think you could outsource that much-- anything that could get potentially sent to Special Handling would likely have to be processed by a North American employee anyway. If you send disputes as written letters to the bureaus' physical addresses, I think you stand a better chance of getting a dispute resolved-- during the holidays or any other time of year.
  7. I hear good things about the BofA secured card, but I'm annoyed that I even have to ask. I have decent savings with them and scores in the mid 600s-- if my other bank can approve me for $1800 without so much as blinking, I don't see why BofA can't give me the same love.
  8. Mine wasn't as dramatic, though. I got dropped from $700 to $500, due to one major collection still on my report. I'm fighting that collection, so hopefully it will be a nonissue soon. My first inclination was to dump the Barclays (Barnes & Noble) card. After thinking about it, though, it makes a decent low-end card, especially since I finally canned my Orchard Bank VISA recently. I almost canceled the Barclays a few months ago when I got another card from my bank. Barclays talked me into staying on and added a bunch of bonus points to get me to stay. They're pretty lucky I'm sticking around for now-- after some more credit cleanup and some better cards, this B&N card will likely go bye-bye.
  9. Write the Office of the Chairman, get return receipt and all that. They fixed mine up pretty well and quickly once I did that.
  10. Looks like the USA Gold thing, only much more upscale (and more expensive!). I noticed they don't put model numbers on their items. My guess is they don't want you comparison-shopping. Other than that, looks like an OK deal if all you want to do is add another notch to your report. I doubt I'd ever spend more than $500 with them, though.
  11. Because enough hasn't been done to stop them. Eventually, someone will need to file a class-action suit to get this to stop. Also, it wouldn't hurt for people to start writing the Illinois state Attorney General about AFNI. They were very helpful when I was pursuing an issue with Experian (who happen to have offices there).
  12. Is this Experian person reporting back to HQ what we really think of them? If so, I'd like to say. . . #@#!@# (expletive deleted)
  13. TU updated a collection (a day later dropped by request of creditor), then dropped a paid chargeoff, and moved a collection that WASN'T in the collections section before into the collections section! It was almost like. . . they didn't want my score to get any higher due to removed negatives.
  14. I don't think it's incompetence. I think it's a matter of EX thinking they're big and bad enough to control the reports of consumers. No one has slapped 'em hard enough legally to get them to straighten out. It could happen eventually.
  15. I realize this is an old thread, but does any one have an E-mail address for these folks?
×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.