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Everything posted by hopelesscred

  1. well I just got off the phone with AMEX...they not only agreed to send me a new card, but will backdate my act since 1989!!...it will show member since 1989. I called the # on the back of the card, I asked about backdating---she immediately transfered me to another dept who asked me a few security questions...and done...card will be in the mail in a week and member since date will be changed to 1989 Welcome hopelesscred, member since 1989. already showing online
  2. check out my sig...started in the low 400s on EQ...I will not purchase ficos in a few mos...but I should be at or near 610 soon..this was done in 8 mos.
  3. I wanted to provide an update on the OASIS program. it appears that AMEX will review your act at six mos and if you dont meet certain credit criteria, the Oasis act will be cancelled. Some of the acts will be allowed to remain open for another 6 mos and at which time you will be reviewed again....if you dont meed their guidelines, your optima card will be cancelled. I have been quite busy, so I've taken a hiatus from figthing off my remaining baddies...In any case...a CA recently placed a hard INQ on EX--I immediately DV'ed and EX is frozen. I am in the 30 day wait period.
  4. $1500!!!!!!!!!!!!!! my goodness
  5. your canx check? DV midland, demanding chain of custody, chain of title and full act history. ..they should go away Look up the Texas Finance code and check debt settlement provisions, you maybe protected and can sue them for coming after u for a settled or incollectible debt
  6. No worries u are on your way..all the more reason to close that 700 CL from orchard... with Amex..if u ever had a CO with them, u will need to pay it. They never forget.
  7. if I were u...I would try this: Call HSBC's prime division and apply--once approved, close or combine the 700 TL then add the following cards Amex clear Chase Wells fargo pulaski
  8. actually those sub 1K cards maybe hurting your scores a bit..I would wait 3 mos and demand another CLI --if they refuse close the card...
  9. OP with those scores..you should not even bother with HSBC. When I opened my act in 06, the gave me a 300 CL, I freaked and wanted to cancel--they immediately upped it to $750...a few mos later I called once again and I was given a 150 CLI with a fee...($25 I think) When I got hit with the AF--$79, I called again and was creditted back 39.00..so far no CLI yet but I will wait after I PIF and call once again. I now have a 900 CL with a 14.99 APR..it surely depends who you speak to, the guy I initially called gave me the impression that I could call and get CLI on the regular...this unfortunately has not happened. I need them now, but they will surely see the sockdrawer in a few mos
  10. As Willing said, did u keep any records of the agreement? Texas has very strong consumer debt laws, I would check on that as well. Some states bar CA from selling the balance of settled debts, not sure whether TX falls under that category
  11. EXCELLENT!!!...WTG....I need to update my journey but I will wait a few mos post rehab
  12. they may have sent a dunning letter--but no matter.. Challenge the listing with all three CRAs If they verify DV them...they'll have 30 days to respond-if not, you can send a demand for deletion this is otherwise known as the one-two punch send everything CMRRR...good luck
  13. Based on your scores, I dont think you will have an issue with financing. As others have said--you need to consider getting your own financing before walking into the dealer. Are you trading in? if so, do u know how much your car is worth? Second...I strongly suggest that you go for a certified vehicle with an extended warranty. Audis can be quite expensive to repair. Make sure that you know what the car is worth. Do all your research, get the black book price for the car (not Kelly blue book) lastly-consider going president day weekend or the end of the month when their sales quotas are due
  14. I would get on the phone ASAP with a human and arrange for an extended payment agreement to take care of the remainder of the balance.
  15. 12k car loan--are u upside down? (neg equity) how much is it worth? what year/mileage? what is your financial situation? Ok you will be paying 8k in debts--great!. have you read the stickies about PAID COLLECTIONS? How much $$ do u make? any other financial obligations? rent/mortgate childcare--etc..how much can u afford to pay? (car note) You can generally finance 50% of your income--if you make 60K, you can finance 30, 80k --u can finance 40..and so on... What is your credit situation? scores-any other negs in your file? Are u buying a 3 series/ 5 series/6 series/7 series/? Certified, private seller or other dealer? have u been to www.edmunds.com or other sites?
  16. Do u want another amex card? ever? are your scores really bad with major derogs? Can you afford to PIF the past due AMEX balances? on the other hand...are your scores good enough that u can get another card after u pay off the Amex balance? if so, there is no need for Oasis--pay what u owe and apply Personally for me it was just what the credit doctor ordered.. A new TL with NO INQs chance to get back in with a prime lender AMex added my 15+ year old tl to my EQ and bumped my fico. Upon graduation from the OASIS program, others have reported that AMex positively reaged their act..but YMMV
  17. YMMV of course, but depending on what your credit looks like, it may take 12-18 months before you can graduate to another AMEX card. Know this: No matter what you are told, if you owe AMEX you will not be approved for OASIS or any AMEX card for that matter. IF they give you a 600 CL, they will report it as such. Your CL will be half of what you owed. OASIS is pretty straightforward there is no need to mail letters, just be sure that you dont have a BAL on that gold card as well, if so, u will need to pay it.
  18. OP..you are referring to the OASIS program and you will NOT qualify if you have ANY outstanding balance with AMEX. If you ever want to get back in their good graces, you must pay all outstanding balances in full. Your CL will be half of what you owed them and can never increase. I am currently in this program and all I can say so far so good. It has been reported that AMEX has been tigthening their approval process (they used to allow u to get a new card after 6-8 months) now I hear that it might take 12-18 mos minimum ..
  19. a few mos back you were thinkinh of filing BK... I now you want to buy a BMW?...why stop there--I prefer the drop top bentley myself.
  20. that is the reason why he couldnt guarantee anything...u need to speak with CRAP One, not a CA...refrain from speaking to a CA over the phone, US mail CMRRR only
  21. when u were transfered, you prob was speaking to a CA
  22. As Amerikaner states.... If Nortland has their own TL, only accept a PFD.
  23. Crap one does not sell their debts, so Northland is simply an assignee. OP did I read u right?...Northland is offering to list the act as PAID AS AGREED? did u get this in writing?...if so inquiring minds want to know!! if true, Crap one must be going soft..
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