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About calzer7

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  1. Student loans are the worst for your credit if you miss one payment. They always report on all of your loans. They always answer your letters within 30 days. You can't pay to delete. They usually won't goodwill unless you speak to someone and even then you usually have to have a string of on time payments before they will delete. When I went back to school for my masters, my wife took over the bills and missed several payments. Her arguement was that they can't take anything away like the mortgage and car. Worst mistake ever for my credit. So if you are late 3 times in one year, you have 24 late pays on your credit. Your best bet is to speak to someone. I always found that when I spoke to someone they were very understanding. Letters won't work in the time frame that you need it. Good luck.
  2. CBAIREY, I plan on using some of your letter if that is OK. I will rework it to fit my situation. Thank You for your advice.
  3. First of all, thank you so much for your replies. This is very helpful. I did find out that NJ is NOT a community property state. Is that a recent federal law that they might be talking about? I am NOT a joint card holder on the account just an authorized user and have NEVER used it. I still don't understand how they can put it on my report if I don't agree to the terms and conditions. I definately will fight this.
  4. My wife has a target card and was late on a payment in February. This just showed up on MY credit report. When she called to fix it they said that it is now a federal law passed 2 months ago that states everything on your spouses report goes on yours. Cant find any info on it. Is it true? I never signed anything or used it. My wife did add me as a user though and I got a card in the mail but never used it. I live in Nj if that matters. I really appreciate any help you guys can give me.
  5. Most of the stuff they will have you give them as evidence will be 3/4 of the work anyway. The Credit Repair Companies will just send letters on your behalf. If you can't write a letter than search some samples on this site. Save yourself some money (usually alot) and don't be overwhelmed. We are here to help you. The people on this site have been where you are (or currently in the same situation) and are great at sharing their thoughts. Good luck.
  6. Anyone have any thoughts?????
  7. Thanks wiser. I guess this question is a tough one since you are the only one to reply in the week that this question has been up here. The only proof I have are confirmation numbers written on my statements with the date that it was paid. I am not sure if that is enough proof. Some of the lates are correct. About 2 or 3 of them which is why I don't want to sign anything. Maybe I will just send them what I have and not sign the bottom, although I don't feel good about that. Right now I have them on 2 violations; Not repsonding within 30 days and inaccurate reporting since they verified different dates with 2 different CRA's.
  8. Just to summarize; I sent out an invesitgation letter CMRRR to HSBC which they signed for on 1/8/09. Letter was thorough and concise asking them exactly what I was looking for which was for them to investigate the reporting of several lates they had listed inaccurately on my TU and EQ report. Dates were listed differently on each report. Did not receive anything back so I fired off a another, more threatening letter with all my rights listed and their failing to respond, on 2/13/09. Here is the wierd part. In the mail today, I received a letter dated 2/11/09, and I quote; "We received notification of a possible credit bureau reporting discrepancy. In order to assist us in thoroughly investigating your dispute, please complete the following form and include all supporting documentation: " It came with a form that asks for name, address, soc, DOB, phone. Also, which bureau report I am disputing, account #'s listed on CR, balance reported as_____Should be_____ Delinquencies reported List disputed dates, etc. I have already provided all of that info on my investigation letter and included a copy of my drivers license. On the bottom it states provide as many details as you can, accompanied with appropriate documentation to support your dispute. Then they want me to sign it under a statement that says; "I state under penalty of perjury that the statements I have made on this request are true and accurate to the best of my knowledge". First of all, they sent this out after the 30 days. Secondly, they sent it out before my second letter was received (Still haven't received green card back from second letter). My question is, what should I do with this form? Is it my responsiblility to help them with their research?
  9. I wonder if your wife's score would go up if it was at 620???? Is it worth a few points if your score is 620??? I think the OP was trying to raise his score to begin with. I have always read that the more available credit you have the higher your scores. It seems to me that the FicoFreak doesn't have a problem paying off his credit cards so why not have high limits. He actually almost seems obsessed with paying them on time.
  10. I wouldn't fax. You won't have any proof that you sent it if the TL's stay there. If you mail it you have proof of willful noncompliance on behalf of the CRA if they ignore it. I would overnight it if it is that time sensitive. It will probably only save you a couple of days though. I would make sure I give them the name and phone number of the Chase employee that you spoke with along with the letter that you get from Chase.
  11. I wish I could help you but I'm too new at this. And mine aren't as complicated. If I were to guess, I would say small claims for the 2 CA's. Maybe you should try to post under the lawyer section and see if you get some help. Good luck. And by the way, you didn't give me a chance to play. You replied too quick. I would have won.
  12. calzer7


    Great. Maybe I'll catch them on a good day. Should I send it to someone else besides the CEO?
  13. calzer7


    Hi folks, I am sending out a goodwill letter today to PHEAA to try and get them to delete 4 TL's that are scheduled to come off in Jan of 10. Wish me luck. My question is, do I sent it to the CEO or is there a better strategy? Has anyone else tried this with student loans? Is it a waste of time? Also, should I send it CMRRR? I always assumed CEO's didn't read their own mail and are usually heartless. Thanks for any input.
  14. Don't quit Marissart. It will be worth it in the end. Just follow the guidelines on the website and use this forum to fill in the blanks. Puck I am pretty sure your right. They first have to prove you owe them the debt by means of the original signed contract between you and the OC. If they don't prove it, they can't collect on it. If they report it, they are in violation of the FDCPA. FDCPA Section 809. Validation of debts [15 USC 1692g] ( If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Thats how I see it.
  15. Now I get it. That makes sense. Glad I posted that question after reading rhis site for 2 years. Thank you so much. Now how bout the 10 deletions. I thought that was pretty good.