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About flash2010

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  1. I'm in a similar situation as far as my scores are concerned. I would recommend HSBC. Their interest is 29% with a $300 credit limit. I wouldn't worry about the interest rate as long as you don't charge much. Make sure you charge something every month and pay it before the due date. The credit limit will automatically increase to $500 after six months with good standing. Keep it in good standing for a year, then you should be able to get a card with decent a rate. All three of my credit scores jumped avg 75 points since I got this card.
  2. I have been trying to get negative TL removed for almost a year and I have reached a dead. I have studied and followed FDCPA and FRCA and have been met with absolute defiance from both CRA and CA. I don't want to discourage anyone, but I think FCRA and FDCPA is a joke. The FRCA and FDCPA code is too vague and that is why CRA and CA ignore the law and I don't see much recourse.
  3. The FCRA states that I can add a comment to my credit file. Is the following comment acceptable: "Equifax will not comply with the provisions of the FCRA and refuses to remove this alleged debt which has not been verified by Equifax or validated by AFNI. This is not my debt and I have filled a complaint against AFNI and Equifax with the Better Business Bureau, the Unites States Federal Trade Commission and the State of Texas Attorney General." Thanks in advance for your comments.
  4. I spent thirty minutes on the phone with Equifax trying to get them to remove a bogus TL from my file. I went through two agents then a "supervisor." The supervisor told me that Equifax doesn't verify anything with CA over the phone, they just send them a computer generated form letter and whatever the CA sends back is all they need for verification. She also said that it is against the law for them (Equifax) to remove anything from my file that the CA has verified with them. She said the only way the TL will come off is if the CA tells them to remove it. I previously sent the CA a valadation
  5. Can you explain what a FICO score is and why isn't FICO all over TV selling their wares. I think all of it is a scam to cash in on comsumers the best way they can.
  6. I am sure that is why TransUnion did that was to retalliate. What else would account for two going up that high and TransUnion going down? If the CRA scores don't mean anything why are they all over TV selling their big Credir Score pitch? That would be false advertisement.
  7. For several months I have written all three CRAs numerous letters disputing a TL that isn't mine. I followed provisions of FCRA and advice I learned on posts here, but none of it worked. The CRAs were defiant and steadfast. I had read a post here that one should try to rebuild credit rather then fight the CRA goons. I decided to try to go that route. I had been turned down for credit card applications for a couple of years. About six weeks ago, I got an unsolicited offer for a credit card from Premier Bank. The interest rate is 59%, but I thought if I only make small charges, it won't matter m
  8. Well, I have heard of a back door, but not with CRA. Don't assume everyone is credit repair savvy. A man once told me when you write a book, you may not know who your reader will be, so write it so anyone will understand.
  9. The FCRA and FDCPA are a joke. The CRA and CA ignore these acts and you have no recourse. There is no way to hold them accountable to the code of these acts. You can't even sue the CRA unless you reside in the same state as the CRA.
  10. There is a negative TL on my Equifax report. I sent the CA a letter requesting debt validation, but they did not reply. Then I disputed with Equifax and they replied with "verified." I then sent Equifax a MOV and they replied, " the creditor has verified the amount being reported is accurate," which I didn't think satisfies MOV. I then called Equifax and they told me that under FCRA, all they are obligated to do to tie me to the debt is verify my name and social security number which, she said they have done. She refused to discuss the matter any futher. I don't think FCRA or FDCPA is working
  11. I sent Experian a letter requesting method of verification giving them 15 days to reply. It has been over a month and no reply. Is there anything more I can do? Experian seems to be very defiant.
  12. There is a negative TL on my CR. I disputed with the CRA and it came back verified. Then I sent the CA a validation letter, but they did not respond. Next I wrote the CRA (Equifax) and asked then what method they used to verify the debt. They resonded with the following statement, "The creditor has verified to Equifax that the balance is being reported correctly." To me this is a lame response. This does not satisfy the method of verification in my opinion. What do I do now? Thank you in advance for your input.
  13. All three CRAs are way out of line. Their reckless practices profoundly affect the livelyhood of thousands of consumers. Follow provisions of the The Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The law is clear. If the debt cannot be validated, then it cannot be reported! Following the provisions of these ACTS, I would cite the code to Transunion. Demand that they remove this TL from your report. Wait 15 days and if they don't remove it, then followup with a letter of intent to sue. Also, don't do any of this verbally. You need documentation.
  14. I pull my credit report weekly and I maintain a spread sheet of all pertinent data, so I can track progress. While reviewing my latest report, I noticed that Experian dropped my score by 50 points. So, I carefully scanned my report for pertinent changes that would account for a drop in my score and in fact there were no changes or activity from my previous report. Why did my sore drop? I think I discovered a true absurdity of the credit rating/FICO system. It tends to be arbitrary, mysterious (i.e., not transparent), easily manipulated, and more often than not, inaccurate or flat-out wrong. I