hartson

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About hartson

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    CIC Member
  1. I have a target card also, where do you find you credit line amount on the website? I cant seem to find it. thanks
  2. boy i hope not, as my old neighbors have taken upon them selves to get in my old house and take what they want, my fence out back, my landscaping out front, and my hose reel that was attached to my house. There is more but this are the major things.
  3. I really dont know, she said they have a way to verify the name of the phone number for a landline phone. Whoah... wait a minute... HOW??? Unless the phone and wireless companies share data. There are third parties that sell it but now that people can keep their phone numbers when they move to different carriers, I would imagine that it would become more difficult. The lady had the number I listed and she said it came back as a cell phone and they need a land line. I told her that the land line number is listed to another address and she said as long as when they do an automoated check it come
  4. I really dont know, she said they have a way to verify the name of the phone number for a landline phone.
  5. Just wanted to say thanks to all the posts and advice I received on this site. I applied for a Target credit card and was originally declined due to the land line vs cell phone issue. So I called them and they told me to reapply with the landline number and WOW I was surprised instantly approved. Not sure of the credit limit but dont care as this is my first credit card since my CHpt 7 bk 2/06.
  6. okay so how does one rebuild their credit cards? my reports are all cleaned up and the scores are decent - should i get a securred card? if so for how long before i apply for unsecured??? thanks
  7. I applied and they declined me due to the bk not a year old - I am a risk she said:( doesnt anybody want to give me a credit card??? I can get a house but no credit card..
  8. try Charles - first source on this board - he is full of information and can probably help you or direct you to somebody else.
  9. Hi, this could fall in many categories so if this is not the right one, please let me know. I have a collection acct that was discharged in my chpt 7 but when the credit report reported it as discharged chpt 7 - the collection agency sold it to another agency and now they are trying to collect? what should i do - i called them and told them that this was included in chpt 7 and they said that unless the first collection agency wants to let it go they will still collect???
  10. Yes I second this. I was tied up with another mortgage broker and Charles answered all my questions and helped me through the process. Even though he did not do the actual loan - I was confident in his knowledge and have sent referals his way.
  11. Hi, I am trying to rebuild my credit and do not know what credit card to apply for. We are discharged for a bk in February, but I just purchased a new home and i am hoping that this will help my credit and my approval for a credit card. Thanks
  12. Hi, I am trying to rebuild my credit and do not know what credit card to apply for. We are discharged for a bk in February, but I just purchased a new home and i am hoping that this will help my credit and my approval for a credit card. Thanks
  13. these people are pains to deal with. I too got the same thing years ago and did not do anything. I included them in my chpt 7 bk and they told the credit report company that they were exempt and filed a judgement against me. Got one to show included in bk and they filed again? what is there deal>>
  14. Hi, thanks to this site and the tips on clearing up credit. We are scheduled to close on a new home next week. I didnt think it could be done only 3 months post bk - but the mortgage company approved us and turned us over to the title company yesterday. Also, thanks so much to Charles (mortage section) as even though he is not the company we used - he was happy and willing to answer my questions. What a great site. Tracey
  15. my scores dropped because of this. 615 - 583