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About Try4Gr8Credit

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  1. I am working on a few goodwill letters. I am just asking if anybody knows a person at Bank of America and Citicorp to send it to. Thanks to CIC I know how to search for big wigs to send letters to but I just want to know if anybody has a name or email address for me. Thanks!
  2. Is there a letter out here to follow up on a response from the credit bureau verifying some disputed accounts? The initial dispute letter included a method of verification request. These idiots take 40 something days and send me back a method of investigation. So my next move is to send them a response letting them know that I did not ask for a method of investigation and I need them to give me details on the accounts they verified. I would like to include some names of some big wigs at the bottom of the letter. Any suggestions on whose names I should include? Attorney General and / or somebody from the FTC maybe?
  3. It was good that he did'nt fall under the credit card pressure, but I was in his ear the whole four years. What about Orchard or First Premier? Are they still around?
  4. A 22 year old college grad. No credit. Keeps getting denied because of lack of history. Which bank or card should he go for that will give him a good start?
  5. I am sure it is the OC. The caller ID says jpmorgan chase and the others present themselves as the OC. Besides the accounts in question are not that delinquent some just a few days. I mean it's ridiculous. Chase will call every hour. I am in PA.
  6. The annoying phone calls that come from Chase, HSBC or whomever every hour on the hour when you are one day late are about to drive me crazy. So, will a cease and desist letter to the OC work?
  7. So it must be pretty easy to get a Data Furnishers Agreement with the CRA. Don't they check out how legit the businesses are, or I guess they can't or too lazy. Now how long do you think it will be before this hustle is over?
  8. Did you know that it's possible to improve your credit score by 100 points or even more without doing anything more than making a single payment? If you are like most people, you probably want to know how this works. You may even wonder if it's illegal since it's so easy. Though some may claim it's not ethical, it certainly isn't illegal. In fact, knowledgeable consumers and businesses have been using these methods since the 1970's with phenomenal results! Many people can use a quick boost in their credit scores when they are in the market for a home, auto, personal or business loan. If you are one of these people, you really only have a couple of options: You can either get a few primary tradelines on your own and wait for a couple of years or so for them to have a very good impact on your reports or you can call a company that specializes in providing primary personal tradelines. Many people don't have 2 years to let their primary tradeline accounts age on their own, so using an experienced company is almost universally the best answer. So what do you need to know about primary personal tradelines? What should you look for in a company offering these services? There are several things to keep in mind about primary personal tradelines. Probably the most important is paying attention to the type of account being offered. Companies offering tradelines usually offer either Primary Tradelines or Authorized User Tradelines. If your goals include purchasing a home, a vehicle or getting a loan for a business, you will certainly want to stay away from Authorized User Tradelines. The reason for this is because, upon a manual credit review, these accounts will stick out like sore thumbs and will be devalued when considering you for approval. All Aged Primary Tradelines are at least 2 years old, but usually older, and has an excellent credit history. Can you imagine what you'll do with the hundreds or thousands of dollars in interest alone that having several of these accounts on your credit report will save you? The concept of adding aged primary personal tradelines is really quite simple. You essentially make a payment to a company that has a repository of businesses that will provide credit accounts to you with the credit limit you request and the payment history length you request. Each of these tradelines will show an established excellent credit history with no late payments on the account. You will be able to prove the existence of these accounts if the need ever arises when you're using a reputable primary tradelines provider. Once reported, these primary personal tradelines show up on your credit report in a couple of weeks to a month. This is one of the strategies businesses and knowledgeable consumers have been using for years to get themselves, their clients, and themselves much better rates and more affordable payments. The credit limit amount of the tradelines will be one of the most important factors in getting you larger credit lines in the future. Since all of the major aspects of credit scoring are optimized using this method, adding two primary tradelines will increase your score 90 or more points. If you were to need a bigger boost, you would just purchase more primary tradelines. Most larger tradeline companies have the ability to offer as many as five separate primary tradelines for an individual credit file. Purchasing several primary tradelines at a time like this usually saves some money in more affordable and can give your score a boost of as much as 250+ points! With a beginning score of 500, you could end up far past the 720 that most lenders require to get the best rates and terms. Of course this service is not free. Depending upon the service you use to add primary tradelines to your credit file, you can expect to pay up to $1,500 per tradeline. Performing due diligence when choosing a primary tradelines provider is very important. Many reputable tradeline providers like The Doleman Financial Group offer to perform the service for a deposit of 50% with the balance being due when you actually see the primary tradelines on your credit reports. Reputable providers of primary tradelines also offer several methods of payment and do not accept risky payment types like Western Union. Aged personal primary tradelines are perhaps the easiest mainstream method of improving your credit score over a fairly short period of time. So why wait? Get out there and improve your credit today! Don't miss out. WHAT DO YOU GUYS THINK ABOUT THIS? WHAT IS THE DEAL? IS THIS LEGAL? HOW ARE THEY DOING THIS? SOMEBODY TELL ME!
  9. I desperately need a personal customer service contact at the following credit card companies: WaMU, BoA, Citicorp, and Chase. I want to ask them to lower my minimum payments for about six months. I don't want to talk to a regular CSR. I need someone to listen to me and have the ability to do something.
  10. Does anyone have any contact info for any helpful customer services heads at.....Indy Mac, Chase, or Saxon? I want to discuss options on paying this months payments.
  11. Does anyone know the person I need to email at Equifax? Here's the problem: I was trying to boost my uncle's score so I sent some dispute letters out. Things came off but now there is no Beacon score (equifax) showing. That is usually his highest score and I need that to use to boost his mid score. I pulled up but I want to know if anyone recognizes a name of anyone that could help me out.
  12. Sent an initial dispute letter to Transunion. Couple of things came off but a couple of things stayed on "verified'. So I sent another dispute to get some other items off and at the same time I included a paragraph about the verified items. I requested a method of verification and I quoted the necessary FCRA regs. asking for detailed results. They sent me the regular "frivolous" letter with addresses I could have gotten from the last page of the report anyway. Like they did some real investigating. Whats next on the agenda?
  13. This will help. Thank you sincerely and I have marked that site.
  14. Anybody got any contacts at Sovereign bank? Can some give me a copy of a goodwill letter to remove a late mortgage payment. I will be sure to doctor up the letter to ensure originality. Please help me.