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Everything posted by MrHunter602

  1. Anyone have a number to actually talk to someone at Experian? I need to do an MOV and cant get past their damn automated system.
  2. In my experience, they have completely fallen off, as they are not on my hard credit file that I have requested int he mail. So I must say that it does in fact help remove them from the report.
  3. Does this B* inquiries and do you have to be a Chase card holder in order to get that service?
  4. Is it possible to get more than one Cap One card or do they limit you to one?
  5. What other online services are people using besides TC?
  6. Well I would have to disagree. I have been using TC to do it for about 6 months or so and it has worked perfectly. Granted it only works for TU, but I assure you, that it does indeed work if you are persistent enough.
  7. I have been using Truecredit, but they said they needed to mail me something to verify me or something. I would rather just switch to something else. Any ideas?
  8. Anybody have multiple Cap One cards and if anyone knows what the easiest of the Amex cards are so I can get my foot in the door would be appreciated. Its a little bit difficult deciding since they have a million on their site.
  9. I think you might as well go for it. And then when everything is fixed, you could refinance again through another company and probably get an even lower rate. Just make sure they dont have a pre-payment penalty and they dont have any kind of weird outrageous doc fees or anything.
  10. Im having issues getting on to Truecredit. Anyone one else getting a 500 servlet error?
  11. So the original creditor is allowed to have the description as a collection account, but the JDB is not? Or it is at least not allowed to list it as an installment loan correct?
  12. Well I have quite a few with the dates because of the CR's that I get back after disputing so I will give that a shot and see what happens. Ill repost a follow up if they refuse to remove them or change them, which I have no doubt will happen. Thanks!
  13. It shows in the "installment accounts" section. It is not in the collection section. I also have 2 others that are reporting in the same accounts section that are collection accounts. But under the description they have it listed as collection. I have 2 with arrow and 1 with afni that are under installments. I have disputed them as not mine and a couple other times with other info and they come back verified.
  14. I have a JDB that is reporting on my CBR as having 2 recent lates at 120 days. Can they do this?
  15. I recommend paying it online as well. I have been paying my payments through the mail through my bill pay service and sometimes they take 2 weeks to post. makes me nervouse because they always credit it right before the payment is due. You can also setup an account online through their website and monitor your account. I throught I even saw something someplace that lets you pay through Paypal if you want. That is a pretty good option as well.
  16. How could they put the judgement on my report? I thought the CRA's fished for that info? I was completely unaware that a creditor could specifically request that a CRA show a past judgement or court record on your report. Wow. They sure do go through a lot of hoops just to make a person miserable.
  17. I expect them to report the info correctly. Unless I have been misinformed and they are allowed to report the account as deragatory when it has been paid or "settled" ???
  18. I've already sent out 2 letters specifically stating that I will take this to court if needed.
  19. Ive recently been working to clear up a lot of credit with my own report and my girlfriends. I recently paid an auto loan that had a deficient balance on it. She owed about 10k and I settled with the attorney that was handling the account due to a judgement. I have all the paperwork proving the account has been settled and wont be sold. The judgements fell of the credit report but the finance company is still reporting the account as deragatory on 2 out of the 3 reports. I have disputed the account at least 3 times with the CRA's since the account was paid and they refuse to change it. I also
  20. I have already DV'ed the CA. So I guess its a PFD Ill send next.
  21. So with medical would you just recommend a PFD letter? Instead of sending one of Whychats letters?
  22. Does it actually work to update everything when you click the update button?
  23. I picked up Quicken first and had issues getting the software to get online and update my info. Now I have Money and I get the same issue. It let me originally put in the accounts and they initially updated, but they wont anymore. Do you get yours to update regularly? I havent been able to use as much of the software as I would like because of this. I do like the fact that it can even calculate your interest if you enter it even if it doesnt update though.