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divinemadness last won the day on September 24 2008

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About divinemadness

  • Birthday 11/22/1984


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500 posts and hasn't been banned yet....

500 posts and hasn't been banned yet.... (6/6)



  1. Was late once, APR raised to 31.% on a 2400.00 balance. Having trouble paying more than 100-200 a month and interest is hitting at $67 this past statement. Need ideas for negotiating this APR down with the bank? HSBC Platinum Cash Rewards Card. Any ideas.. please?
  2. I used EQ dispute a few weeks ago to remove inqs and it worked, didnt do all at once though, and now did remainder, got the "factual" mumbo jumbo. but resubmitted it again. Wondering, what credit monitoring service you guys recommend now? I don't have any, pulled my annuals, but want to monitor to watch progress. Just came into some extra money and paying off every single credit card, but want to monitor. Def think I need to peep EX.
  3. this is the site they sent me in an email: https://settlement.transunion.com/MDLRegistration/preOrder.jsp?cb=MDL
  4. anyone else get an email the other day that this was settled? also has a link to follow and code to put in to get my subscription.. https://www.listclassaction.com/
  5. Hey guys, I've been off and mia in life for a while, and havent looked at my credit in probably close to a year. Wondering what companie to subscribe too or sign up with.. Eq??? To take a look and "bump" if needed? And make sure all is pat and good with my credit...??? Went through sort of a divorce situation and wanna make sure all my credit is still ok... Any ideas? Kinda feeling overwhelmed looking through the site, its been quite a while. Thanks guys! D
  6. Hey yall, Ok I recieved a similar letter on 11/27/09. Pretty much saying what you all have said before that they said to you, and I've never held a bank account with bank of america. The account I have with bank of america is still open and its a credit card, so I'm not sure what this is or where they recieved their information. but there letter says i owe 1470.00 and they will accept 1271 in payment if i call, and then if says they are preparing a case for a lawsuit to be filed in my county and will investigate my employment, assets and banking info... blah blah blah I'd like to respond with a letter to challenge them because this is definitely not my account. What letter should I send? This is the one pulled from the other part of this site, will this work? or is it too harsh? and should i send with return reciept? (Please respond fast as i'd like to send it tommorrow) thanks! XXXXXXXXXXXmy addy XXXXXXXXXXXXX XXXXXXXXXXXXXXX DSC Attorneys at Law 8448 Katella Ave Suite 100 Stanton, CA 90680 December 10, 2009 Re: Acct #XXXXXXXXXXXXXX To Whom It May Concern: This letter is being sent to you in response to a notice sent to me on November 27, 2009. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: • What the money you say I owe is for; • Explain and show me how you calculated what you say I owe; • Provide me with copies of any papers that show what you say I owe; • Identify the original creditor; • Prove the Statute of Limitations has not expired on this account • Show me that you are licensed to collect in my state • Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: • Violation of the Fair Credit Reporting Act • Violation of the Fair Debt Collection Practices Act • Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXXXXXX
  7. opened in 2004. account is closed. status says charge off, 225.00 balance, company i never heard of, have disputed many many times, will not fall off tu or ex. have tried to contact company many times to no avail. they have reported every month since 2004, as KD, key deragotory... how long is the SOL for something like this? any ideas what to do here? im about to shoot off letters to the CRB's themselves since disputes online have failed. want this goneee!
  8. Ok, so on EX WFFNB shows "legally paid in full for less than balance.." blah blah... "paid in settlement" ect. account was opened in 2003. didnt manage correctly.. 2007 I decided to call and work out the debt to fix the TL on my CR's. well somehow I paid $279, and now the CR's show a balance of $39. I've fought with this account since 2007 in disputes ect, and i cant get it to fall off tu and ex permanetly.. but eq its been gone. do you think its advisable to send a letter, or call the woman back i dealt with and negotiate to pay the remaining $39 for total deletion of the TL and history? I still have the copy of the check I paid the other half with and her contact info. the account still shows horrid payment history which is got EX down in the gutter. TU no payment history. i mean 18, 120 day lates, posted in the payment history for TU!!! 18!!! from 05-07. and it hasnt updated since june 07 with a late, and then continues to update every month until feb 09, as KD, key derogatory. (ive looked over past CR's for the older data.) What should I do here? is this hurting my score? it has to be, i cant find really anything else terrible that would cause such a score imbalance btwn the 3 CRB's. can they even still report bad? they are! everymonth... though its says account closed, settled, legally paid in full for less than the full balance.
  9. welll got a letter saying CC will be turned in a BB branded card no visa, still same limit and terms by chase. i have a bb mastercard already through hsbc. so that was a lil strange. but oh well.
  10. ive had this target card for over a year now.. 1.5 yrs. and still no increase. going to call and close it soon if they dont budge.
  11. i got a letter stating my circuit card would become a best buy card with the same 1000 limit and terms and conditions. not a chase visa. BAHHHHH
  12. ok thanks. i was wondering if it gets like closed and the balance is due immediately or.. u know?
  13. I have a card with them... now what.. will my card be cancelled and ill lose that CL? Cause they closed! its through Chase... and im paying it off.. what now?
  14. so what monitoring service can we use now? what works for BU? i was getting bumpage every 3 days!!! ughhh
  15. I called today and canceled and told the guy when he asked - what i signed up for in the contract isnt what im getting. cancel my membership at once and refund the last charge u made for the membership fee. he tried to do a sales speil and i said in harsh tone " Listen, just cancel my membership this isnt what I signed up for, if u cant handle that, transfer me to your supervisor." in 2 seconds his voice tone changed to some pleasant tone and he said he would process the refund at once and cancel the account, and i can still monitor my TU if i download the desktop agent they offer. hahaha! unbelievableeeeeeeeeeeeee
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