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About ctmgr

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  1. Maybe i just needed a little validation. Actually, approaching this from a purely strategical standpoint is new to me... just want to make sure I'm doing it right. Any other tricks to the trade I need to know about? I learned about due dates and reporting dates the hard way. LOL
  2. Wow! What great information!! Thanks to everyone, especially LNY! The extra cards will go in the sock drawer... I will pull them out to buy a tank of gas once a month, then send them back to hibernation.
  3. Yeah! I got approved for a VISA from my bank with a higher CL! The thing is, now I have too many cards. I don't need all this credit. Do I close my subprime accounts or just put them in a sock drawer and build history with them? What factors should I consider...interest rates, annual fees?
  4. Yeah Those were my thoughts Elyse! Well, I'll be d***, thanks to what I have learned from all of you, I DV'd them. The CA wrote back and said they were putting the collection on hold until they could validate it. I got a letter from Comcast today about the account with a CREDIT balance. Will let you know how much more money I will get after I check my credit report Thanks to everyone. You are the greatest!
  5. I made a post about this a few weeks ago...here's the update... As some of you may know, I have gotten most of my credit straightened out (or as much as a I can until 2 items fall off). So I was shocked when I got a letter from a collection agency a few weeks ago regarding a Comcast cable account. I have been paying them every month...my cable has not been shut off..so I knew it was some sort of error. I initially called Comcast. No one seemed to know what was going on. I got the mini miranda from the collection agency. I called Comcast again...and talked to a supervisor who found the problem. We moved in town a few months ago and had our cable services transferred. However, the nitwits at Comcast never cancelled our old cable account. Comcast found the records where we called to have the account transferred and I have a document for the new set-up that specifically states "transfer of service". So I DV the collection agency. Citing that this was due to Comast's error and included a C&D. (sent CMRR of course) I know to check my CR in about 15 days to see if it is still listed. What else should I be doing? CT has a Dept of Banking # that you can call to file complaints against collection agencies. Should I take that route or just continue to monitor my CR and wait to see what happens? Since Comcast erroneously turned this account over to a collection agency aren't they accountable for that?
  6. Thanks for the warning. I'll get right on it!
  7. I have not received my miranda or mini-miranda, yet. According to CT law, they have 5 days to send it. No one at the cable co. seem to know what I was talking about since there is no outstanding balance. I was transferred to 4 different billing departments. Is it possible that they called them off? How would I know? Also, I was reading on the 3rd party communication. That means that they cannot talk to anyone else in my household about this, right?
  8. If you have life insurance, you don't need credit insurance. However,if you don't have life insurance, if you should die they would probate your estate and liabilities would be paid by the sale of assets.
  9. Mine are scheduled to come off after 7 years from charge off
  10. Thanks Dive. I'll do some more searching. nascar, although you have prudent advice, this is their error.
  11. Another question: Upon further review, the letter that I received from the cable company dated 7/20 reported a due date of 7/30. Since it was paid on 7/22 and they still (apparently erroneously) turned it over (or sold it) to a CA, is there any violation by the OC. I spoke to the OC yesterday and they are showing a 0 balance and had no idea what happened.
  12. Wonderful! Do I need to tell them that it has been paid or just wait until they try to take me court and see how many violations they rack up?
  13. Congrats Ray! I have one coming off next year. I know just how you feel