credit crunched

Grasshoppa, when you can snatch the baddies from your credit report, then it will be time to leave. Sorry I couldn't resist the Kung-Fu reference. Try disputing 6 of your freshest with Experian online for starters, than dispute by mail with the other two repositories. Baby steps sensai.

Hey BucFan, I like your avatar, being a packer fan I don't have that luxury.

An unseasoned loan is neither good nor bad. The 2% difference in interest rate will put 200. dollars a year back into your pocket based on a 10,000 loan. What are the closing costs, if any to HSBC. Take the new loan and get after that inquiry.

What would probably happen is after a month the OC would rereport the account.

Thanks for the responses. I think I should dispute with the OC. Amy do you remember if FMCC handles end term accounts any differently than others?

I don't think a positive tradeline can hurt you.

Just going back and forth with FMCC. All 3 cr's list a last payment co after a 30 day late. I goodwill ford, get back the holly as thou reprimand. I write back suggesting co is a punitive action. Dept. head responds with rightious indignation and messes up my report worse. The account is current oct 14, payment is made. Last payment due Nov 14, no pay. On what date is that a 30 day late ? The new reporting shows OK Oct, 30 Nov, 60 Dec, 90 Jan and Charge off Jan 12th. My math has no payment Nov, 30 Dec and CO Jan 12. Am I calculating this wrong?

These ole' boys are tough. An untimely DV bounces right off em. A dispute to the CRA will come back varified. They are pretending to be the original creditors, extending the DOFD and reporting you late every single month. You will see they are reporting under the installment debt section of your reports, instead of the collection section. The factoring term refers to a company that buys receivables from cash strapped businesses at a discount in order to collect the full amount when it is due. They , however are debt collectors pure and simple. I'm going to post another thread to inquire as to who has had success and why.

I don't belive in catch and release. Forgive yourself, SuperBad is SuperFunny. Get yourself a circuit City card, they only pull Equifax(Nascar Devil).

Thanks for the code BT!

Was it district or superior court? Any action on your part will notify opposing consul. Usually improper service is a death knell to a judgement. To challenge it properly you need a copy of the contents of the court file. Find a lawyer with an adress close to the courthouse in question and get an opinion. If your judgement proof you might want to try to settle with cap one for vacating the judgement.

Hey Jennierose start by reading the stickys in each category. There is a search button which will lead you to subjects your interested in simply by typing in some key words. Try starting your own thread, as off topic questions in the middle of threads tend to get passed over. Your question is right up our alley. hell yes, and you'll do it yourself with support from this forum.

I have been patiently waiting for a response from Ford Motor Credit for three weeks now. I'll wait to see if they make any changes to my credit report when they report March 1st. It's really a crapshoot. I'll next write to ole Mr ford himself, and remind him of his current situation.

I understand what bump means with reference to inquiries, but I'm not sure what you mean in this instance with relationship to this thread.

Hey I had heard that Crown was not reporting any longer. True, not true?