Fizzle1979

Be strong my friend! Don't get discouraged.

Just FYI the SOL on the repo is from the date of sale of the auto. But I haven't been on here in years and that might have changed.

I ended up closing my account. My two co-workers ended up closing their accounts. Our payroll department deposits our paycheck's on wednesday nights, every other bank and credit union manages to have the funds available that Thursday morning. However, Compass made my two coworkers wait until Friday. That is why they ended up changing.

Citibank / The Home Depot - Increased me to $5600 from $4000. I got the card in 12/08 with 12 months no interest, maxed it out with new appliances, been paying on it since. I have about $1500 left to pay before 12/09. Since I purchased the appliances, I have not used the card once.

Tell them to provide you with the documentation that they have that says you filed BK.

I would imagine this would affect your credit report. The Uniform Commercial Code usually is what applies to repo's. But it would only apply if FL adopted it. So google FL UCC and read what you find. Also like the previous poster said, the SOL applies to when the car was sold at auction, etc. Not from the repo date. If the OC repo'd it and didn't sell it for six months, then it will extend your SOL.

Tell them you are going to file a complaint against them for deceptive trade practices for advertising daily pulls but you are not able to pull daily with the BBB.

After months of complaining about the service I had several months of credits. They finally conned me into deleting all my old reports and issuing a new account...which ended up not working. So don't do it. File a complaint with the BBB saying you are paying for a service and are not being provided with it.

Now that all is said and done.... I found that one small local bank labeled it Non Warrantable...from that point on I would call lenders up and tell them I needed a Non Warrantable Condo Loan. I found out from my broker that this was the wrong approach. He ultimately told me that good credit will over come the non warrantable issue. He said my credit was good and he got the loan approved. I know I went to Wells Fargo and told them I needed a NWCL and they told me they did not do them. But Wells Fargo ended up being my lender and I pay them monthly.

I'm not familiar with that. But it looks like you are doing a great job searching the web.

Just google the Uniform Commercial Code for WA. See if WA adopted it.

Since I PAY for my Equifax/CSC reports from them, they provide me with a number. But here it is. 1 877 474 8273

It ideally should be on your credit report if you had one.

Then I would find out who the data furnisher is and send them that letter?

I responded to your other post.