lolah

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 well. I just applied for a USAA card in just my name and was approved for an 8k limit. I also applied for a Target card and was denied. I'm not really sure how to proceed from here. I plan to get copies of my credit reports with the Target denial letter. Any help you could provide would be very much appreciated. Thank you!

Not sure about a sticky, but there's this link...

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.

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.

Amazing. It pays to be a well informed consumer!

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/

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.

Hi Hope, Have you read the Newbie Credit Repair Primer? It has a ton of great information on how to get started. You do not have to prove these accounts exist or are accurate - they do! So, don't worry about not having records.

www.whocalled.us

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.

Very smart. I have never heard of "signature diliberately witheld".

You can request a CLI from Best Buy online if you already have an account with them through HSBC.

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.

The fraud alert you activated will likely only last 90 days. Are you currently repairing or rebuilding? With a fraud alert, you won't have the benefit of instant credit, but that shouldn't hinder you from obtaining credit if your scores are high enough.

I haven't ever given the CRAs my SSN, and don't ever (EVER!!!) give your SSN to CAs and JDBs! They will use it against you.

I fill mine out by hand, but labels would be a nice touch. I don't ever think about it until it's too late!

I am not sure if that is considered continued collection activity or not. If it is, then yes - it would be a violation. Someone else might chime in soon. Have you read the FDCPA? That would be a great place to start...

Military members are not required to change their DL when they move or vehicle registration. They can keep their HOR DL.

I had an Arkansas DL at the time, but was in the military as well. Arkansas was my Home of Record, but Ohio was my state of legal residence.

I am not sure if what they did fits the rule - that is where I am confused. The mininum required in Ohio is service by any form of mail with return receipt requested and delivery restricted to the adressee. In Arkansas, they can leave it with someone in the same family at least 14 years old, or leave a copy of the summons at the house (dwelling place). So, they followed proper procedure for Arkansas, but not Ohio. And, I am not sure which they should have followed. I think Ohio because that was the place of my current, permanent residence at the time AND they knew of my place of employement at the time the judgment was awarded. I am certainly no legal expert, but I think it's arguable. Thanks for the post, though.

The reason I keep thinking this could be bad service is they knew my place of employment at the time of service and it is likely (arguable) that they knew my current residence.

I have the satisfaction signed by the attorney (via email). A court stamped satisfaction is what was supposed to be mailed. What I am concerned about is how it will affect my credit now that it has been reported to the court if it is reported to the CRAs. I am still trying to figure out if this was even properly served, but can't seem to.

I contacted a NACA lawyer to help with this, and even he didn't know. So, am I supposed to just let this sit? I guess maybe since I paid it - that is what I deserve...but since I found out about it when they were threatening garnishment, that is all I felt I could do. I was backed into a corner. Can anyone else help?