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131 ExcellentAbout lolah
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500 posts and hasn't been banned yet....
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Ohio
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Hello, I am trying to build credit in my name. I haven't checked my credit reports/scores recently, but I know they aren't horrible. I've had a freeze/fraud alert on all three for the past 5 years. I have: 2 Mortgages - paid on time, current, one account closed Car Loan, one late payment, closed in 2009 Macy's Card, 1k limit - closed due to inactivity Macy's Visa -7k limit - closed by my husband USAA Credit Card - 18k limit - closed by my husband I am going through a divorce and am concerned about not having any credit other than the mortgage payment. I may have to sell the house as wel
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Not sure about a sticky, but there's this link...
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I have a freeze on all three of my reports due to ID Theft and yes, your positive credit history will continue to be reported.
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I sent a 623 letter to First Premeir Bank and this is the response
lolah replied to diamonddan73's topic in Credit Repair
So, if it is not yours, file the appropriate ID Theft paperwork and send it to them. That will fix your problem. -
Yes, keep it. The age of the TL helps your score.
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Amazing. It pays to be a well informed consumer!
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I think technically, you go by the state you live in. http://www.creditinfocenter.com/wordpress/2009/07/27/statute-of-limitations-on-debt-when-you-move/
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Absolutely you can! That is the point of disputing and requesting validation. I would send letters as many creditors as you can at once, depending on how many are on your reports, and that you can keep track of at once. This post explains the dispute process with CAs and CRAs. This explains the 623 method that is used with OCs.
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www.whocalled.us
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I sent a 623 letter to First Premeir Bank and this is the response
lolah replied to diamonddan73's topic in Credit Repair
If they have the date of your application, what other proof are you wanting? The only issue I would have is that they can't prove whether the application was over the phone or internet. -
You don't DV the OC, you DV the CA and the CRA. Use the 623 dispute method with the OC. Start by reading this.
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Do I need to sign a DV letter?
lolah replied to rkoski's topic in While You are In It Debt Validation Q and A
Very smart. I have never heard of "signature diliberately witheld". -
Credit reports, how to moniter
lolah replied to ProtectingMom's topic in Credit Bureaus/Reports/Scores
I use Credit Check Total and can pull all three reports daily. It's about $22/month. I have been thinking of switching to USAA, though because I have been told it's cheaper and you can also pull daily.