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teacherofec's Achievements

CIC Member

CIC Member (4/6)



  1. Ok I read all the threads on student loans and I still don't know if this is considered a student loan question or tuition collection question. I went to a private university in 2000. I took out a loan with Wellsfargo and the tuition was paid but I withdrew about three weeks into the first quarter. I never recieved anything about owing money to this school and have even recieved transcripts over the years. I consolidated my student loans in 2005 and this loan was paid off and now all my loans are still in deferment. Suddenly last week I have a CA on my credit report representing this university. I believe the money went back to the lender but I am not sure. I have not even recieved anything from this CA in the mail. I have been working on clearing my credit for over a year and this has really hurt my plans. Any advice would be greatly appreciated.
  2. I have been diligently cleaning up my credit. Today I received an email alert that changes have been made on my credit report. I was astounded that a collection account had been posted for $4450 for a college I attended some 6+ years ago. I didn't receive anything from them other that this. I believe it to be a private loan as I have loans that are in deferment so I really don't know what it is. Should I DV it now? I already disputed it on line. I am trying to buy a house and really don't need this now! If any one can help me with this, you input would be greatly appreciated!
  3. They pulled EQ for me and My score was high 500's but I have not been able to get any other GE Money cards. and My CL is only 150 so I don't know if its worth getting!
  4. I got 5K from hooters with high 500 or low 600 scores, but no increase yet. I have had the card for about 6 months now. I got 300cl with HSBC Plat. and Gold with increase to 600 at 3 months and the gold went to 1100 after 5 months. Best Buy went to 600 at 3 months. Orchard which it the card I have had for about 10 months with no increase. I don't think I would get Orchard if I knew they really don't do CLIs.
  5. I have been wanting these cards for a long time but waited to apply for about 6 months now. I just about feel off my chair when I saw the instant approval for the seamiles. I only got 400 cl but it got me in the door!! The BofA I applied for the unsecured and the preapproval for the 99/500 came up, I had tried several times before so that was pretty exciting as well. I applied for the chase Disney rewards but got the "we are working on it response" which probably means no. I also applied for walmart and got the we'll let you know response, so I don't know about those. I am done for awhile now.
  6. I just checked my HSBC and they gave me an CLI from $750 to $1100! I got the card in 11/07 so not bad for 4 months. I didn't ask for it and didn't see a soft pull. I have 3 of their cards and an auto loan, they have always treated me pretty good. I got them just to improve my score and I think they have helped me considerably in my goal.
  7. HSBC does a soft pull for the prequilify for their cards but a hard pull when you do apply for a card. In other words they tell you based on the soft pull what you might qualify for. I have heard of people who applied and not qualify.
  8. Here is the link to HSBC http://www.us.hsbc.com/1/2/3/personal/cards
  9. How old are your student loan lates? I tried to get wellsfargo to take 2x late off my report but they wouldn't budge. I tried GW letter and dispute but they are still there. However, they are from '05 so I don't think they are doing much damage now. I have tried to get lates from countrywide off I got them off all but equifax and they are still there but due to drop off next month. As far as old debt, dispute as obsolete and that will usually get them off. Also if you write the OC and tell them they are past SOL (assuming they are)they will sometimes do PFD. B of A will probably not cooperate they usually don't. I have been working on mine for years and I have found the best thing is to consistantly pay everything on time and wait it out. I think there is certain things you just can't get off. There is no magic wand that gets these things off. I think the best thing to do is keep disputing and maybe you will get lucky.
  10. Have you guys read the thread about merrick bank has been taken over by New millenium bank? This worries me because different banks have different policies on everything interest, cl, etc... I pulled my CR and it still says Merrick so I don't know if thats the case. I sure hope it dosen't affect the CLI that we all will be looking for in the near future.
  11. I pulled my report and hooters is still showing merrick bank so I don't know what is going on maybe they sold off some accounts and kept others?
  12. I had two HSBC cards then I got an Auto loan with them in confirming my identity for the auto loan they said you qualify for the gold card! so I got a forth account and didn't even ask for it!! I think its who you talk to at CS that Gives you the TL or not.
  13. Congrats Moneedshelp!!! on your CLI!! I am waiting for mine but I got my card in Oct and first statement in Nov so I think I will have to wait till April or may. I hope they raise everyone at 6 months. I am still waiting on an upgrade on my target and that hasn't happened so guess I'll have to wait and see! Congrats again Moneedshelp!!!
  14. I had a simular situation with my student loans I moved and didn't receive the notice. This was in 05 so I wrote wellsfargo a GW letter which the wrote back sorry but it remains. So after agruing with the CRA I decided to write a statement on the report stating that I did not receive a statement that they were due. Also the credit reporting people added that I disagred with the notation of late. So anyone pulling the report would know I felt it was incorrect. I don't know if it helped but that was the only thing I could do.
  15. Thanks Maxed out!! Wow I am so impressed by your scores I hope I can get in the 700's some day!!! Thanks again for all your help!!
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