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Everything posted by scorch

  1. I can't comment on the legality of what happened, but I would advise taking it up with the doctor. Just tell them you never got a notice, would like to pay it off and ask them to take it off your credit report.
  2. Awesome, no it wasn't me. Good job on the profit.
  3. Although the guy said you don't need to worry about whats on the report at this time, I would. Repairing your credit can take time. If he is saying that you have to go into debt to get a mortgage loan so to speak then you should find a different guy, because that is not true. You'd be better off just getting a couple of credit cards and only use them to pay bills or for groceries.
  4. If he doesn't have any credit established then he at least needs a credit card. A secured card is a good starter, but you guys might want to make your own decision as to which one to get. The only REAL credit score can be obtained from myfico.com. They include credit reports as well. purchase new furniture or appliances?? I completely disagree with that suggestion. You might want to consider contacting a different lender as well. If TLs (tradelines) are being reported incorrectly then you would need to write letters to each of the CRAs explaining the situation. Here are their addresses: EX: PO BOX 9701 ALLEN TX 75013-9701 TU: PO BOX 2000 CHESTER PA 19022-2000 EQ: PO BOX 105314 ATLANTA GA 30348-5314 And in case you need it: IN: PO BOX 1640 PITTSBURGH PA 15230-1640
  5. Here is a stock that I followed a couple years ago. It might have made a good trade because it popped up to about $1.75 per share from about $.25, but it eventually went down to sub penny status which aren't worth buying at all.
  6. Yes AND no! I disputed my inquiries a while back just to see what happened and EQ was the only one to delete them. http://debt-consolidation-credit-repair-service.com/forums/showthread.php?t=293443 Wow that was about a year and a half ago. And if she's concerned about paying for CMRRR, why not just send them letters without the extra services?
  7. Here is a similar stock that is also having a pretty decent rally.
  8. There might actually be several mailing addresses you can send a dispute to. The one on my EX credit report is PO BOX 9701 ALLEN TX 75013-9701
  9. Has anyone else checked out or considered investing in these coins? They look pretty cool and being the patriot that I am I'd love to get my hands on some of the American gold eagles. They all look pretty cool, but they seem kind of pricey at nearly $1,500 an ounce. Is it worth it? http://www.onlygold.com/Coins/AmericanEagle_FS.asp
  10. I just bought 35 shares of IAU. I'm so excited!
  11. First you can try and settle with the original creditors.
  12. Isn't that annoying? A company seems to just randomly check your credit and when you ask about it they say, "oh we had permissible purpose for a business transaction." If they checked Equifax you can have it removed by disputing it. At least they were willing to delete my hard inquiries when I disputed them about a year or so ago.
  13. I just finished listening to Peter Lynch's One Up On Wall Street. A lot of the principles were very similar to Cramer's only explained differently and with less fanaticism. Still pretty good stuff though. I was also told about The Alchemy of Finance by George Soros, Rule # 1 by Phil Town and Technical Analysis A to Z by Steven B. Achelis which is actually available for free if you do a quick google search. All were recommended to me on a stock market forum that I go to sometimes. I'll probably check those out as well. Other resources welcome. Edit, just got a hold of Adventure Capitalist - Added to queue. I also came across a movie called Meltup while doing a search for Jim Rogers. It's available for free on youtube. It was a pretty interesting documentary that just came out about rising inflation and the national debt.
  14. lol you might want to check your credit reports if your unsure. https://www.annualcreditreport.com/cra/index.jsp I recently moved out of an apartment who tried to take me to court because they had horrible bookkeeping skills and didn't realize that I had already paid off the rent and turned in the keys even though they were right there when I did it. So they called a lawyer on me and tried to bill me $800 for the rent and legal fees lol! A judgment showed up on my Lexis/Nexis file within two months.
  15. Thanks for the suggestions, I'll look into Classics: An Investor's Anthology, by Charles Ellis and Peter Lynch's One Up On Wall Street.
  16. Call 1-800-ASK-USPS and kindly ask the representative to initiate an investigation.
  17. Well Cramer said in his Audio book, Getting Back to Even, that the stock market crashed at the end of '08 and recommended that everyone take 5 years worth of money out of the market because it was too dangerous. A lot of Cramer's stuff sounds like sound advice and he recommends a lot of stocks in his new book such as conoco philips, Bhp, home depot, regional banks or chase and visa because the market is expected to recover. He does also recommend always checking the company's financial statements because the book could be outdated and that there's no reason to own a stock if you don't think it's going up. Another pick he recommended for example was Verizon (VZ) because of it's high dividend yield and it's a cyclical stock that should do good when the market recovers right? Although Cramer's philosophy seems very good and sound, I think most of it just confuses the hell out of me maybe because he's not explaining it good enough for people that don't know what they're doing like me. I dabbled with stocks a couple years back, but hadn't gotten too involved because I needed the money for my house, but now I think it's a good idea to get back into it. Thanks for the suggestion, 2ndTimeAround. I am very competent to torrents. I shall add the series to my listening list. Might as well get back into the market before it recovers right?
  18. I've listened to the audio books, Real Money, Mad Money and Getting back to even all by Jim Cramer. It's all pretty good stuff, but a lot of the stuff he talks about confuses the hell out of me. Mainly when he talks about P/E ratios, IPOs and a whole plethora of other stuff I can't remember. Or maybe I'm just being stupid. Can anyone recommend any other good books?
  19. Nope. Soft. In my opinion, if you're trying for a mortgage you don't need all three. They go by the middle score. Let's say your EQ score is 702, but your TU score is 750, Your middle score can be no lower than 702, but no higher than 750. So it can still give you an idea of what your middle score is.
  20. I was almost denied a place to live once because of my credit, but I had no where else to go so they made an exception.
  21. I appreciate the wisdom of Benjamin Franklin. Here are a few of his quotes, "Rather go to bed with out dinner than to rise in debt." "Many a man thinks he is buying pleasure, when he is really selling himself to it." "It is only when the rich are sick that they fully feel the impotence of wealth." "It is the eye of other people that ruin us. If I were blind I would want, neither fine clothes, fine houses or fine furniture." "Money has never made man happy, nor will it, there is nothing in its nature to produce happiness. The more of it one has the more one wants." "If you would know the value of money, go and try to borrow some. " "If you know how to spend less than you get, you have the philosopher's stone." "He that waits upon fortune, is never sure of a dinner." "Gain may be temporary and uncertain; but ever while you live, expense is constant and certain: and it is easier to build two chimneys than to keep one in fuel." "Creditors have better memories than debtors." "Content makes poor men rich; discontent makes rich men poor." "An investment in knowledge pays the best interest." "A penny saved is a penny earned."
  22. I just double checked and you were right about the terms except the fees for balance transfers is Either $10.00 or 5% of each transaction or transfer, whichever is greater. Also the rewards program does not apply to fees. With that I'll just sock drawer my Hooters card. Either way I still think the Chase Freedom card is one of the best rewards cards out there.
  23. Well they've been doing it for a long time and they don't openly let it be known that it is a FICO score. I've had to ask a couple people there what scoring model they use in oreder to get a straight answer.
  24. Try these links. The first one should help you get to a human and the second should help you get a free CR. Just say you were denied credit. http://gethuman.com/Equifax-customer-service_947.html https://aa.econsumer.equifax.com/aad/landing.ehtml
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