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Everything posted by teacherofec

  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 univ
  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
  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 co
  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!!
  16. I did a search on line for the county that the judgment was filed and found a form that says Declaration for motion to vacate(cancel) judgment. Now if the plaintiff did not ever file it satisfied and has only given us a letter on his letterhead stating that it has been paid in full, is this the correct form? I have to have it mailed by the court clerk to the plaintiff giving him the opportunity to appear at a hearing but I don't think he would want to fool with it so I think that would be ok. However, it asks for a reason and I just typed Paid date and amount. I read here some where that t
  17. This was a small claims judgement. Does the plaintiff have to file something in court? We refinanced our current home and I recieved from the loan agent a letter from the plaintiff saying that it was paid in full and that is it. He has agreed to take it off but I think he doesn't know any more than we do about the process. thanks for any help on this
  18. I have used PFD a lot. but I have always required in writing that they remove all neg. notation on all credit reports. It works great for medical col. but only if they really want your money. I have not had luck with CC though they would tell me send the money first then we will delete, yeah right! I just waited. With Cap 1 I waited until the SOL ran out and they took it off without asking but I think that was probably luck. But most important get it in writing, the CAs that call you have no authority to do anything and your payment is your leverage. In your situation I think I would try
  19. I have a judgement that was filed in jan. 04 it was paid in Jun of 04. I noticed that EX and EQ are reporting it as judgement filed status is blank. I sent them a letter from the plaintiff stating that it had been paid in full and a copy of the escrow closing statment showing it was paid but they just keep coming back with varifed as reporting correctly. I am trying to clean up my credit to get a mortgage so if anybody has some suggestions about how to get this corrected would be greatly appreciated. thanks
  20. I want to buy a house here in california. The house is a foreclosure the bank wants 580k. The problem is our credit report is showing a late on our mortgage in Aug. of last year I tried arguing with TU and EX and they just keep saying it was validated so I don't think I can get it off. The other neg. is my DH had a CC that never sent us a statement and did not report the auto pay so now they will settle for 500 but won't take it off the credit report. My husband has a mid 600 score. Mine are still right at 600. I really wanted to use his VA because of interest rate. I called a VA lender
  21. No,it is still with the OC. They just called and said they would accept $500 for payment as if they had just found the account. I did not want to just pay it because I want it taken off the credit report for payment in full.
  22. My DH had a Aspire Card. I had it on auto payment from our bank. In June of last year I noticed that I had not seen a statement. So I pulled his credit report and it showed it had been charged off and no credit for the auto payments. So my DH said stop the auto pay if they are not crediting it to the account. Well they called last week said they would take 500. and take it off the credit report but they said they would not give him a letter to that effect until they recieved the $500. they show the balance at $1100. They said they had been mailing the statement to the wrong address for 1
  23. I got my card in October and had to call to get logged in the other day wanted to ask for CLI but was afraid of decline and inquiry but the CSR said Thank you for keeping your account current! so maybe in three months my day will come.
  24. I wrote an e-mail to HSBC for each one of my cards with them telling them I am trying to buy a house soon and the low limit was hurting my score. They e-mailed me back as said they regular give cli and I would see on my statement when I qualified so I checked my account and bb and HSBC plat. increased to 600 from 300 so far.
  25. I got roadloans check and took it to the dealer and they beat the interest rate by a lot!