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Everything posted by PeteDude

  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?
  16. Have you attempted to contact the CEO first? If you sue without contacting him directly, he's got one easy item to add to his defense. . . he didn't know about the issue in advance. What I've done in these sorts of situations with stubborn CO's is write their CEO and copy the state Attorney General in their state. Make sure you at least CMRRR the CEO or send via some verifiable route (i.e. FedEx). In some cases you may wait two to three months for a response, but you will likely get one. Some CO's will knock down doors to talk to you and get these items worked out-- companies do NOT like lawsuits, do NOT like compliance issues*, and more importantly do NOT like being on the state AG's radar. Some of these outfits (i.e. Capital One) are probably frequently on states' hit lists anyway, so any problem they can resolve is potentially one less item they have to answer to authorities for. *Many large companies have internal audit departments, some of which report directly to the CEO while some have reporting structures involving the board of directors. If the company has ANY kind of policy regarding how it conducts business in general, or is nervous about violating the law, internal audit groups can flag these compliance issues and make big stinks about them. This is often worse than having an outside entity investigate the firm, and is especially true for financial institutions. Therefore, it pays for companies internally as well to NOT get sued.
  17. Some of both, actually. My first pile of deletes all came from a rapid, "nuke" approach. It seems to me that for new credit-fixers stuff comes off much more quickly and easily, especially given the CRAs only have a month to answer back. After about six months or so, though, the nuke approach no longer seems effective. At that point you'll start finding sticky stuff that just won't go away easily; you'll have to build a file and start sending them CMRRRs.
  18. Obviously, you spent a bit on Lexington Law-- but did you try using Centurion? They're based out of LA County, and they were helpful in my first 100 or so points before I took over the process. Their being California-based might be of value to you. www.yourcreditattorney.com
  19. It's not your Dad's Wolpoff anymore, so to speak. They're a little more cautious now than they used to be, but not by much. In terms of the OP's situation though. . . be very, very careful. Get everything from them in writing, and keep all paperwork on hand that you would have used in an actual suit, as you still may end up having to produce it. . . (that being said, don't threaten unless you're actually ready!)
  20. A good many folks simply don't realize how easy it is to get a default judgment.
  21. Thanks. Good news is, that gives me a new score goal. Bad news is, more work ahead to reach said goal! Grrr!! But I'm glad to know anyway.
  22. If it's paid, the record should be updated or deleted. If left uncorrected, that record amounts to deliberate false reporting, and the AG might be able to address it.
  23. This might not work for everybody, but this is what I'd do: Write a letter to the credit bureaus, send it CMRRR, and copy their attorneys general in their home state.
  24. This approach has worked for me, but you'll need to search the forum to find out how this has worked for others. In some cases, the credit reporting firms and original creditors/collection agencies have to be pushed to get this done (in my situation, it sometimes took letters to the creditor copied to a state attorney general).
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