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Everything posted by AboveAverage

  1. I just found out from my freecreditreport.com (not spamming, just stating fact) alert that Hooters pulled TU on me too to deny me. Funny thing is I only have 5 derogs BUT 9 inquiries. (a number of which were from NCO group). You bet your ace I started writing 6 dispute letters (I put all the NCO Groups in the same letter to save postage. Just made sure I put the dates) and mailed those suckers as well as asked for a copy of my credit report. If they are smart like EQ, they will send me just one report with all in the INQs gone. I'm not even going to touch Hooters (well the card anyway...) until I get my Macys and CJ accounts on TU. I will then try again in a few months. But I would probably feel comfy with a 600 score on TU before I tried again.
  2. I saw a nice one for $750. Was figuring on making the down and shipping then pay $80 a month for about 6 months. If their jewelry is true is truly inferior, then nevermind. I'm just get the crappy earrings for the DF (fiance).
  3. What a difference two years makes for you, huh? I'm in this for the long haul anyway...I figure I can increase my wardrobe while increasing my credit can't hurt. I wish I could have had the 200 though. Saw this really nice peacoat that was on sale. Thank you Cav.
  4. Cav, just wanted let others know since on the page it said do not use a debit card. I know from reading this thread that your CL went up after some time. Would it be better to buy one thing and PIF during that billing? Or buy one thing and just make slightly above minimum payments? What would be better for my score and potential CLI? I guess from reading the thread it would just be PIF, but I wanna be sure. I'm still in shock that I can get a Macys card, but not Walmart (who did in fact deny me...lol). Ehhh, just as well. Alot easier for me to get to Macys than it is for Walton's Employee Hell. AA
  5. I just thought I would share my Macys experience. Last night (it's 12:45am on EST), I was reading this board and clicked on a link that was in someone's sig about scores that would get you a particular card. [http://creditboards.com/forums/index.php?autocom=creditpulls ](You will have to register to use the database). In any event I know my FICO on EQ is about 595. I tried Walmart, Hooters, and Target and got either denied or we will send you something in the mail (dispute INQs time...damn stamps). Then I read about Macys. Someone had about a 540 and got $100. Now a little back story. I had a Macys card back in 1995 and burned them (I was young and stupid). However, I had paid them off like in 2000 (think I owed them $500+ maybe even 600). I actually paid them in the store. I did not ask the girl to reopen the account (and I am thankful I did not at the time). Fast forward to today because there is pertinent info for noobs and old folk alike. I went to Macys.com and applied for the their card. Filled out the application. Was going great until I got to the bottom. They were asking for a valid credit card and a debit card was not allowed . I thought to myself "Holy S--t, I'm screwed". But...me being the persistant guy I am, I put in my Sovereign Bank debit card anyway, as I have no valid credit card yet (I am supposed to get the Rewards 660 soon). IT WORKED! I got approved for $100!!!!!!!! I bought a pair of Perry Ellis pants for like $50 and will probably pay it off either Friday or two weeks from now. Then buy my sister a $50 dollar card for Christmas after that. But even though they say you can't use a debit card, YOU CAN! I did...I'm living proof. I don't think their software can tell the difference between a debit card and regular Visa (some sites CAN though, but Macys does not). Maybe there was a glitch...I don't know, but as of last night (11/27/2007) they cannot tell a difference. If you are in the 550+ range, you can get a card. Mine is the $100, of course, but I will be buying clothes for work now. I live near a bunch of Macys (I'm from NJ...there's a mall every 10-20 miles with a Macys...lol). Macys is definitely easy to get, but somehow Walmart and Tar-jay are not........ UPDATE: Experian was hard pulled by Macys. I forgot that I can check my Experian report online until another couple of months. Macys/DSNB on November 27, 2007.
  6. I personally tried applying to Kays...this is what I got. Thank you for applying for a Kay Jewelers Credit Account. We were unable to fully process your request for instant credit at this time. We will notify you via US mail of our decision regarding your request for a Kay Jewelers account within 20 business days. Does this mean that I got denied? Does it meant that I'll get credit via the mail? I guess I'm gonna have to write one of those letters to the CBs asking them to delete my inquiry...damn I thought I was good. I applied to Crowns though...but I needed them to report to EQ. Now I hear about the beef....argh!!!!!!!!!
  7. I was under the impression that once it went to collections, it was out of the OC's hands, even if it was a hospital. I figured these scumbags want their $35 (which is pretty much a night at the bar....or lunch) and I want at negative TL out of my report...how can they refuse? Alot easier to pay than to go through the hassle (I would imagine), providing I get a promise of deletion in writing. If you are saying to write Columbus Hospital, I'll give it a go. BTW, The SOL in my state is 6 years (NJ), and this is from 1/2005.
  8. Hello. I found this site today. I have about a 575 score and need to bump that up to something respectable. I want to pretty much share you with what's going on and then appreciate any comments on how to proceed (negative and positive...from what I read so far, you folks seem to be pretty damn knowledgable). During my youth, I did some pretty stupid things (I am sure I'm sounding like the typical n00b so far). Suffice it to say, here's the stuff from my Equifax: I have a repo on which I owe $7599 (Americredit), Credit One Bank (there isn't even a past due amount, just says Account Transferred or Sold; Charged Off),Inovision, Marlin Company LLC for 1496 (collection amount), and the Guarantee from my student loan because I went into default. The good news with that one is I am currently in Loan Rehabilitation and I got my Title IV rights back after 6 months of paying the minimum while getting raped on the 22% interest. 3 more months and I get my rehabilitation, at which time I will pay the $700 off in one shot. It might be good debt, but I just want it over with (unless you folks say different, but I just want it gone). I also owe $581 to Cavalry Portfolio Services for an old Sprint bill, Cbcs for $1496 for that appears to be the same bill as Inovision. And $35 dollars to Premium Asset Recovery Corp for a hospital bill. This is the letter I wrote to PARC regarding a PFD: PARC P.O. Box 1810 Warren, MI 48090 Re: Columbus Medical Center: XXXXXXXX Premium Asset Recovery Corp. Account #: XXXXXXXXXX Account Balance: SSN: XXX-XX-XXXX Name: XXXXXXXX Current Address: XXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXX November 26, 2007 Dear PARC, It has come to my attention that the aforementioned account above was in fact never settled with Columbus Medical Center, and I, thus, have a balance of $35.00. Rather than further dispute the debt, I wish to make this payment in full on a conditional basis. Specifically, I am asking for this negative account to be deleted from the three credit report agencies (Experian, Equifax, and TransUnion) upon PARC receiving payment and NOT AS A PAID CHARGEOFF and/or to not verify the dispute once you have received payment. I wish for PARC to ask the credit reporting agencies to remove all references from this account. Initially I had thought that this account was settled through my health care insurance provider. I realize now that is not the case. If these terms are agreeable and acceptable, please send a written reply (I will not accept communication via phone on this matter) to my address within the next 30 days to: (my address) Since I am offering to pay off this balance in full on a conditional basis, please consider us still in dispute until I have received a written response from Premium Asset Recovery Corp. Thank you for your time. Sincerely, AboveAverage (did use real name ) This communication is from a consumer. This is an attempt to settle a debt. Any and all information obtained will be used for that purpose. I read MadMonkey's stickey and included my SSN. Was that bad? Will it bite me in the a$$ later? Also, was the letter itself bad? One other thing....I didn't know about you guys six months ago, and I have been using Lexington Law Firm since 6/2007. I will definitely quit if you guys think I have a better shot on my own. I just want a personalized opinion on the stuff I gave you from Equifax. I have gotten a couple of deletions though. I figure the worst that will happen is I take them up on their warranty. Well thanks you guys. AA