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bridgett68

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core_pfieldgroups_99

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    The time is now

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    ca

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CIC Member (4/6)

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  1. in detail -I disputed a collection account 4 yrs ago to try to have it removed, they didn't remove it -it showed on my report that i disputed it. im trying to buy a house the loan processor said i could'nt have any disputes on my account so the collection agency said it wasn't showing u as in dispute on their end so i called experian and they asked if this as my account and i said yes they removed it. it still shows all the negative stuff on my report just not that i dispute it. also for y4 years ago I said a tmobile account wasn't mine- so they removed it and put a 7yr fraud alert on my report. I had that removed too yesterday. nothing else has changed i pay my bills on time. then my score dropped 84 points today. can i call experian and dispute the score change ???
  2. removed fraud alert and a dispute from 4yrs years ago. the next day score dropped 84 friggin points. what can I do ?
  3. I applied for macys was denied because of previous deliquent account (robinsons-may) back in 1986 called 800 number found on this site asked for 2nd chance. I got approved with $600 limit. Called today ask for CLI the rep said she check my account to see if I qualify, and BAM I got $200 CLI, now my MACY'S is at $800. So hopefully they do give CLI every 3 months but ya won't know til you ask.
  4. I did it once before (removed all EQUIFAX inquiries) but I forget how I did it. I cant find the thread that explains it in detail. I know you go to the EQUIFAX dispute website. I entered my social number, enter the name of the inquiry and the date where it says account number, checked the box that says not mine. WAS THAT CORRECT ???? I thought last time I put unauthorized inquiry some where. PLEASE HELP.
  5. I HOPE this helps. I believe you can have your SL discharged if your are totally disabled. I am a nurse and I have a SL. If I were you I get the SL discharged due to your illness now. The SL will be gone forever, and what if you went into remission, you would have to pay off a SL for a long long time. I dont want to sound mean but take this opportunity to get rid of a burden of a SL loan while you can. GOD BLESS.
  6. :!:I have a friend who purchased a car for his friend and has not made the payment for about 4 months what will happen if he does not turn the car over ? And they are unable to locate it is that considered auto theft and could he be arrested?
  7. THANK YOU HOPELESSCRED I was in a similar situation, macys said I owed $373.00 for a outstanding balance for a old robinson-may account from 1987. I wanted to pay them they kept transfering me on the phone til they said that acoount was purged out the system and I didnt owe. So I said can I be reconsidered for the Macys card , they said wait 7-10 days and REAPPLY. I didnt want to do that and get another inquiry plus I had other new things on my credit since my last application, I bought a car(which is now showing on my CR) and had multiple inquires . Bottomline I called that number a few minutes later and got my Macys card with $600 THANKS for sharing the number it was a GODsendxangelx
  8. I TOOK YOUR ADVICE FOUND INFO AND 30 MINUTES LATER I AM THE PROUD OWNER OF A MACYS CARD WITH $600 THANK YOU THANK YOU THANK YOU ps... I LOVE THIS SITE
  9. THANKS FOR THAT NUMBER I WAS IN THE SAME SITUATION AND I CALLED AND WAS GIVEN A MACYS CARD WITH $600
  10. I applied for macys card and was declined due to previous deliquency with them. how long do they they keep you on the blacklist ?
  11. I talked to the CA yesterday and told them about my plan to pay $300 a month til PIF. They said that they can NOT accept that low amount it would take 9 months to pay off the debt, and they only accept payments in 4 installments ($700 x's four), and that I should call them back when I was able to do the 4 payments. THATS CRAZY who doesn't want their money. I am thinking of sending my payments of $300 anyway and keeping good records.
  12. I have written up a letter stating I am willing to pay 300 amonth till PIF. Should I send a check with the letter stating that cashing the check means you agree to my terms ??
  13. I have a hospital bill that went to collections JAN 2007 for $3000. I am ready to take on this debt and have called to make payment arrangements. The collection agency is a LAW group, they want 4 payments of $700+. If had that kinda money it wouldnt have gone to collections. I told them I could give them $300 a month til paid off they refused. So I opened my big mouth said when got my income tax could pay it in full. I gave them a payment for $300. I really dont want to give them $2700 at one time or $700 a month. I wish to pay them $300 a month. MY QUESTION is...... If I continue to pay $300 a month without them agreeing to that amount, Will that keep them from taking me to court and getting a judgement against me ??? I plan to send a letter stating I will pay $300 a month to show judge if it gets that far. AND..... I also ask to have it removed when paid in full They said they could only change it to paid as agreed. I heard when you pay off a debt wait then dispute it hopefully they dont have the records anymore, or tell CRA they agree to remove when paid. HOPE IT WORKS
  14. I sent RE letter to CA. I stated I will send a check with RE that constitutes accord and satisfaction, and removal of tradeline (for delinquent medical bill ) . The CA replied with letter saying they can NOT remove the tradeline. I live in CALIF should send the check anyway, are they compelled to adhere to the RE of the check ?
  15. I have had first premier card for over 2yrs . never missed a payment. recieved other credit cards from different banks and have had several credit limit increases. BUT first premier WILL NOT increase my credit limit. is there a reason why they won't budge ?
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