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FemaleNeed Credit

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    Massachusetts

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  1. Disputed via the internet and got back my report...and it is still on there!(SIGH). I have been trying for years to get this removed off my credit report. The account will be on until Jan. 2011...I think I will wait this bad thing out! It's on my CR as Account information is being disputed by consumer (Meets requirement of the Fair Credit Reporting Act) via Experian It also stated the account was verified and undated on Mar. 2009.
  2. As I was reviewing my 3 in 1 credit reported provided by TransUnion...notice that a previous disputed item return on my credit which was listed under Experian. Can Experian put something back on your credit report that was previous move about 6 months ago? According to my 3 in 1 Credit Report my current credit scores: TransUnion 720 Experian 706 Equifax 670 I have 3 Credit Cards and 1 account that reporting Derogatory witch was remove and added back on for some reason. Gap - $1200 Victoria Secret - $900 Discover Motiva - $500 Now all the credit cards listed are reporting to TransUnion,Experian only and not Equifax why is that? I'm really trying to build my credit back up and still finding it hard to get credit. Credit reports show 2 years of inquires and I don't want huge number on my report. Any advice? Please let me know. Thanks!
  3. Place an extended fraud alert on my credit report. Now the Credit Card Companies have to notify me if they want to open credit in my name. Finally got that DQ off my credit report 3,711 from Dell. Dell said: this is a common thing that people can a get computer someone else’s name… from place in which they move out off. WTF is up with that! Anyways it is gone and I'm happy. I have two new accounts open the first is a Discover Card Motiva credit limit $500.00. I used half the credit limit and will pay it off at the end of this week in order to rebuild my credit score. I just got approve for a Gap Card issued by GE Money Bank credit limit 900.00. Gap has this thing going on if you spend 800.00 bucks within a year you can update to a Gap Visa...I might just do that...later on. I haven't check my credit scores with True Credit as of yet but will update you all later. TaTa for now!
  4. Ok I was reviewing my CR and notice that there were fraud account on my report and I kept disputing and disputing it and it came back as being mines. So I did a complaint with the BBB and this is the responds that Creditor of the account that is not mines sent back. Complaint filed by:XXXXXXXXX(More) Consumer Info NAME: XXXXXXXXXXX DAY PHONE: - ADDRESS: XXXXXXXXXX #XXXXXX XXXXXXXX, XX EVE PHONE: - XXXX CELL PHONE: - XXXXXX EMAIL: XXXXX@XXX FAX: - (Less) Complaint filed against: Dell Financial Services (More) Business Info NAME: Dell Financial Services BBB MEMBER: NO CONTACT: Complaint Department ADDRESS: 12234 N IH 35 # B Austin, TX 78753-1705 PHONE: 877 663-3355 FAX: --None-- Website: --None-- (Less) Complaint status: Forward Dell's Response to Consumer (More) Activity Date Activity Description 04/06/2009 Forward Dell's Response to Consumer CLT.cf.rtf 04/06/2009 Receive Business Response -------------------------------------------------------------------------------- April 6, 2009 To: Central TX Better Business Bureau Consumer: XXXXXXXXX BBB CASE#: XXXXXXXX Dear Better Business Bureau Representative, We are in receipt of a complaint from XXXXXXXX, originally addressed to the Better Business Bureau. In the complaint XXXXXX expresses dissatisfaction in regards to the fraudulent Dell Preferred Account. Please accept my sincere apologies for any disappointment they feel they have experienced during their transactions and contacts with Dell Financial Services. Dell Financial Services records indicate that XXXXXXXX needs to contact the Asset Protection Specialist Department at 866.213.3355, 7 a.m. – 12 a.m. C.S.T., 7 days a week, for further investigation. Please know that Dell Financial Services consistently maintains policies and procedures to detect and prevent fraud. These policies and procedures comply with applicable federal and state laws and are consistent with the standards of the consumer finance industry. We regret any inconvenience this matter may have caused XXXXXXX and thank them for bringing this matter to our attention. It is our hope that we have adequately clarified our position in regards to this complaint. Please do not hesitate to contact us should the BBB or the customer need further clarification. Sincerely, XXXXXXXXXXXX Executive Services Dell Financial Services L.L.C. I WILL CALL AND SEE WTF THEY SAY...I WILL NOT GIVE THEM MY CURRENT INFORMATION.
  5. Got my Target Card Decision and they said they are unable to verify my address and telephone number. Should I give them a call? What is Lexis Nexis Risk & Information? Never heard of them before
  6. Hey Guys, I have a question? I got my Discover card a few days ago for credit limit of $500.00. They also send me an invitation for Discover More Card. My question is this should I apply for this card?.....I have apply for Target and Jupiter still waiting on a reply from them. What I really need is a Visa or MasterCard...I have tried Citi Decline,Capital One Decline but that was about 9 months ago. This is the first time my credit rating has been up in order to obtain credit. I just want credit to build credit and have for emergency. Any suggestions would be welcome...Thanks!
  7. :confused:Few months back I was disputing DELL account that was listed on all 3 of my CR. The only Credit Report Agency that delete it was TransUnion the others came back with the investigation as being mines which is not the case at all. I don't know what else to do...Disputed over and over again with this account. Would my best option be to contact the Orignal Creditor which is DELL or should I leave it on my CR? It will be removed off my reports in 2011. It seems most creditor that I try to open accounts with either go for Experian or Equifax and rarely TransUnion. Trans 745 <-----Removed Experian 645 <-------Dell Still on CR Equifax 628 <------Dell Still on CR 2 Accounts open 2 Accounts closed Derogatory 3,711 <-----Dell Finacial Service.
  8. Well Today I got e-mail confirmation Discover Card has approve me. I will lay off applying for anything else for now. I still need a Visa or Master Card. Just amazed that I got approved when it took me years disputing information on my CR. Wonder why Hooters didn't approve me...thats a bit weird. Will update you all... Discover Pulled my TU credit report.
  9. OMG folks, I forgot that I had a fraud alert on my credit reports which made creditors not approve me. I had a old telephone number listed and now I have to change it. I went for a Discover card and talk to CSR who asks me for more information. She remind me that I had a fraud alert on my report. Now I have to find out how to change the number on my Fraud report it was easy to put the fraud alert on my Credit Report but it is hard to change the information that is put on there. I hope I get the Discover card. The CSR said they have to verify some more information and I shall receive information via mail. If all is correct that they use TU...then I should be all good since my score is in the 700+ range. Thats why I didn't get approve for Hooters. I will keep you update folks. So happy that I ran into this forum...it is so helpful!
  10. Just went for a Hooter card and was decline and I went for a Chase a few days ago they will send me a reply via mail. I can tell you that I was deny for that as well. It seems that I can't get credit no matter what I do. I don't think Credit Card companies like me.
  11. Hi, Living in the state of MASSACHUSETTS and I'm trying to establish credit in order to get car and maybe purchase a house in the future. Credit Scores information provided by True Credit TransUnion: 745 Experian: 645 Equifax: 628 Accounts Open :1 Accounts Closed: 2 Derogatory Account Being Disputed by me but still on credit report 3,711. The only account I have open now is a Macy's account at that is a credit limit of 100.00. What credit card companies that use TU only. I need to re-establish credit. HELP! Thanks!
  12. Hi, Living in the state of MASSACHUSETTS and I'm trying to establish credit in order to get car and maybe purchase a house in the future. Credit Scores information provided by True Credit TransUnion: 745 Experian: 645 Equifax: 628 Accounts Open :1 Accounts Closed: 2 Derogatory Account Being Disputed by me but still on credit report 3,711. The only account I have open now is a Macy's account at that is a credit limit of 100.00. What credit card companies that use TU only. I need to re-establish credit. HELP! Thanks!
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