creditreformer

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creditreformer last won the day on November 22 2008

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  1. actually, it just has a /- not and/or (typed op from memory), so my concern is that if they file suit (even though it is sol, this sleazy CA frequently DOES file suits + NOT tell you) or put a bad TL on my reports, they will say ‘yes, we enclosed docs on ___’ when clearly they did not. Also, they did NOT id the OC beyond providing a name/alleged $ amount (shouldn’t they have provided OC acc # and/or contact info?) I am thinking of writing back w/a SOL (for lawsuits) letter + also stating “There were NO docs/other form of validation in your response. This does not constitute proper validation.’
  2. Background- law firm (brachfeld) pulls TWO hard inqs on me in < 30 days but NEVER puts anything (other than the inqs) on my CRAs + NEVER sends me anything in writing. They have also called my family (who has nothing to do w/the debt). As soon as I notice the inqs (+ within 30 days of their placement on my CRAs), I send them a non pp/dv letter. nearly 2 wks passes + brachfeld sends me an unsigned form letter which lists the alleged OC and the alleged debt amount + brachfeld’s acct # (but not the OCs acct #). The form letter basically says something to the effect of ‘we have requested validation documents from the OC and/or enclosed them and if we get the docs we will send them to you.’ NO docs of any type were enclosed. Obviously the letter is NOT proper validation as they did NOT give me anything. What’s my next step + how should I respond? Debt is sol for lawsuit + OC drops from reports in early 2010.
  3. they could be trying to collect on a lot of old cc chargeoffs as i was young + dumb + burned pretty much everyone (ba, citi, amex, cap 1, hsbc, discover) in the late 90s. however, i paid the 7.5 yrs of credit damage for those chargeoffs and all but the hsbc (x2) are off my reports (that drops in late 09/early 10) and all are SOL for lawsuits. i suspect they're trying to collect on the hsbc b/c asset acceptance used to have a tradeline on my report for the hsbc debt + so does another sleazy ca (2 hsbc chargeoffs total). however, asset acceptance was DELETED from my reports (except ex b/c ex sucks), so i think HSBC or asset farmed it out to brachfeld b/c shortly after access dropped from tu, bam, brachfeld's doing inquiries. i'm not sure how responsive either the AG or BBB are in CA (i've got complaints to them about the other CA for 1 hsbc acct), but it's worth a shot. in the meantime, i froze TU again, EX is frozen, + soon, i'll freeze EQ, so maybe that will stop brachfeld/other sleazeballs from dinging me w/inquiries. have the green card back + will wait to see what they do.
  4. some people call @ 9-12 mos. + get it unsecured, but lately it seems like BA is pulling hard inquiries on people + i was told by BA that if you have ANY baddies in the past 12 mos. (i have a sleazy CA who keeps updating ugh), you will NOT get the cc unsecured. however, other people have said that if they call ba 2-4x, they CAN get it unsecured even w/'new' baddies. guess it just depends on what rep you get. i hit 12 mos. later this mo. + am just sitting tight hoping it unsecures on its own w/o a hard inq.
  5. thanks. i'd already read that link (along w/some other) + these people sound like sleazeballs who violate up the wazoo. they've already called my family (who NEVER cosigned for any debts), but apparently they just said something ike 'do you have a # for +++?' or 'is this +++?' my family said 'wrong #' + hung up. so far, nothing in writing + no calls from brachfeld. apparently they sue up the wazoo (350+ suits in my county alone since '05) even on debts that are out of sol for suits (all mine are), never tell you about the suit (so i'm watching the court sites religiously) so they get defaults, and they never answer dunning letters. i got the green return receipt card back. what can i do if they don't answer my dv/non pp letter? take it to the ag/bbb?
  6. Thanks- that’s pretty much what I said in my letter. Already got the green (certified mail/return receipt) card back. all baddies i have are sol for lawsuit purposes + all but 2 (old hsbc chargeoff that asset was hounding me for- but asset got deleted) are off my reports. from what i've read, brachfeld dings people w/inqs, sometimes sues (even though they're legally out of sol) W/O notifying people, + rarely responds to the dunning letter. what can i do if they don't answer me/never send me anything in writing? next step- complain to ag/bbb. i've worked too hard to rebuild my credit to let sleazeballs ding me w/inqs up the wazoo.
  7. i never noticed any soft pulls, but about a mo. ago, i saw that a soft pull was done. supposedly after the first cli, they give more clis every 3-9 mos., so i'm hoping this grows into 1 of my higher cls.
  8. recently, I noticed that brachfeld + associates has pulled TWO hards on my 2 TU in the span of < 30 days. i've had NO contact in any form w/them whatsoever + NO tls have been put on my report. brachfeld is also contacting my family (but from what i understand, they asked for me by name + my family said 'wrong #' + hung up. outside of a non pp/dv letter, what can i do to stop brachfeld from tanking my ficos/pulling hards up the wazoo?
  9. thanks; i'm excited. btw, looks like you started rebuilding around the time i did (though you've got some mos. on me). how long did it take to get decent cls (like your ba/macys)? i've got ba 99/500 hitting the 1 yr mark, so hoping it unsecures + leads to better cls. goal is to have all ccs w/1k+ cls (outside of target + my whopping 200 store card w/them lol) by the end of 09. good luck on knocking down your debt to 0- i just finished doing that (i usually PIF, but expenses rose unexpectedly the past 1-2 mos) + that feels great
  10. Been rebuilding since 1/07. Got hooters cc in 8/08 to replace my pathetic first premier (lol 250 cl does NOT go far). Started w/500 hooters cl. Today, I logged in and saw they gave me an auto cli of $200 bringing me to 700. Not a ton + not expected, but in this credit environment, any little bit helps. woopee, maybe my hooters will hit 1k someday.
  11. I would do as the others suggested: buy a low priced use car now- assuming you can find 1 w/fairly low mileage, good mpg, + in good condition (harder than you think, at least in my experience)- or if you can wait, consider what I’ve done. Sometimes, what may seem like a REALLY great deal is really a $ pit w/undisclosed problems that may cost you more in the long run. Sometimes, buying in a RUSH means you may overlook things + may end up buying a 100k+ mile car that really should’ve RIP’ed long ago. While a $2-3k car may solve your problem RIGHT NOW, it may also cause you more problems (+ $$$$), so tread cautiously. After spending the past 2 mos. looking for a ‘beater,’ I’ve found that most $2-3k cars have had the ish run out of them, have NOT been well-maintained, have been raced, have had the engine/trans replaced, have salvage title, won’t pass smog, have defects like oil leaks, have had multiple owners (which means the seller knows VERY little about the car’s history), have been in wrecks, etc. There’s often a reason BESIDES high mileage why cars are $1-3k + that reason is often buyer beware. Sure, I could’ve chosen a beater for a ‘quick fix,’ but I likely would’ve been in the market for another car ASAP +/or been spending $ on someone else’s ‘$ pit.’ It also depends how you are driving + how long you plan to keep the car- and of course what type of car it is. For example, I drive A LOT, especially HIGHWAY miles, so need a reliable car + do NOT want to replace one every 1-2 years. I kept my current car for 12 yrs- it is pretty much DEAD + repairs (trans, transaxles, timing belt, oil leak, on + on) cost WAY more than what the car is worth. So what I’ve done is: Save a decent downpayment- 2.6k as of today- going to be $4-5k by the end of this mo. List my car on craigslist- have some offers + may take 1 soon- that $ (another $1-3k estimated) will go to a downpayment I am looking @ another Honda accord- 2005-2007. I chose that year range b/c it seems like anything older means HIGH mileage (esp. HIGHWAY miles as I live in Calif) + problems (ex., A LOT of Hondas here have been used as racers + had the trans/engine replaced) that I don’t want to deal w/. By putting $6-8k down, I am hoping to finance a minimal amount ($3-7k). While I won’t be able to pay for the car in cash, by waiting + NOT jumping on the first (or first 20) car I saw, I feel like I am putting myself in a better position financially AND still will be able to find another car I can own for 10+ yrs like I did my current car.
  12. i comboed mine this summer. 2 300 ccs became 1 600 cl cc. the closed says 'closed by consumer' w/a ZERO balance. NO hard pull. after threatening to close the cc a wk or so ago (2 yr anniv's coming up), orchard gave me a whopping (+ my FIRST ever) cli of 200. now it's 800. whoopee, 200 cli after 2 yrs. orchard sux, but they waived the af by 1/2 + it's my oldest cc, so i decided to keep it open for another year. here's what i've learned- you CANNOT combine a rewards cc (ex., best buy rewards mc) w/a NON rewards cc you are NOT guaranteed to get your FULL cl it must be the SAME type of cc- e.g., mc + mc. apparently orchard's fabulously sucktastic system CAN'T combine a visa w/a mc, even if they're both orchards. it MAY be a hard inq
  13. Thanks- your story gives me hope. I haven’t seen dealers here (So Cal) offering tvs, but the American dealers (esp ford) seem to be offering HUGE cash off incentives. All the horror stories on various credit boards about auto loan denials has scared me off a bit. I’ve also heard dealers hate self-employed people (for financing), so I don’t want to have to go through a FBI like exam just to get a loan. No reason why I want to buy a honda from a toyota dealership, but I noticed that toyota dealerships around here are cheaper on used Hondas than Honda dealers are + also, Toyota dealers oddly seem to have more of a selection of used Hondas around here. I’m also thinking of a Toyota camry/maybe a RAV4 + Toyota dealers here (@ least based on their ads- no idea if it’s true) seem more open about working w/’credit issues’. My pie in the sky dream is to get a new Honda, but I think that would be a little bit too much of a stretch financing wise right now. Also, I don’t think my ficos are high enough for financing through Honda. Tax lien stays on until 2013, so I am probably going to pay through the roof in interest, but I am hoping that a decent down payment + dealer desperation + the tax lien being old (filed in ’03) will work somewhat in my fav. I’m hoping to get my new (used) car within a mo. By then, I’ll have saved some more $ + maybe dealers in so cal will become more desperate. Last time I visited dealerships (just before the holidays), dealers seemed kind of meh- nice, but not desperate. Hopefully that has changed.
  14. My last baddie was in '03 + in early 07, I started to rebuild. First premier (now fired- SHREDDING that cc was F-U-N) was my ONLY option @ the time. In 3/07 (I thought it was 1/07- time flies when you're old), Orchard gave me a cc- 300 cl, atrocious AF. Eventually they gave me a 2nd cc- 300 cl, same atrocious AF. After endless calls to every orchard # re a cli, I got nada- despite using the ccs A LOT. I comboed the orchards into 1 for a whopping (ok, puny) 600 cl a few mos. ago. Again, no CLI- not even the $20 they gave everyone and their mama. W/my AF coming up in 3/09 (I thought it was 1/09- I goofed), I decided to call orchard 1 LAST time to see if they would cli me. @ first, I got the usual this is a rebuilder cc, the economy is bad, clis require a FEE, we review accts periodically (they've NEVER looked @ MINE in 22 mos.), it will be a HARD pull, blah blah speech that I had heard bazillion times. Finally I decided to get a little more aggressive (after laughing @ the cli offer of a HARD pull AND FEE) + said I want the acct CLOSED NOW. rep said hold on, gave me a speech about how orchard loves me, closing would cost me age (lol right liar) blah blah + asked me to hold. He then came back w/this offer- 200 cli but NO INQ 20 fee for cli will be WAIVED AF will be sliced by 50% I think 200 cli is a little pathetic, but hey, @ least it is something. Is there much benefit (fico wise) for keeping orchard open for year #3? other ccs I have- cap 1x2 (1.1k cl ea.) bb hsbc mc (650 cl) hooters (500 cl) BA 99/500 (will UNSECURE in 3 more statements yay) target red 200 ficos are in the mid-high 600s. all ccs above were opened in early-mid '08.
  15. ficos are in the mid-high 600s (640ish last time I checked, but that was in june, so they've probably risen more). utilization is very low (1-9%, usually 5% or less). last baddie= '03, but it's a BIG 1 (unpaid tax lien). only issue is I am self-employed. I have some contract (w2) work I do ea. mo. so I can show about 2-4k/mo. on paystubs (depends on the mo.). cosigner= not an option don't want to show tax returns; would consider showing bank statements (cap 1 offer said I can do that), but don't really want to can put down several $K in cash + trade ('97 honda accord) prefer to have EQ or TU pulled as those are my highest don't want a dealer to 'shotgun' me around for a loan so my reports get bazillion inqs have an auto loan (w/great history) on my reports, but it was from '97-'03. am looking to buy a used car- something like an '06 honda accord.