Archive for November, 2010

Score one for David over Goliath [score one] [mortgage broker]

Mortgage broker ran my credit card without permission.
I contacted a mortgage broker and picked up a fuss.
Mortgage Broker's lawyer calls the House back to me and gives me insane attitude. I declare my rights and to emphasize that I will “vigorously” pursuing this matter with all the “tools” at my disposal. This is on Tuesday when I ask, is this question resolved, she says Friday.
This afternoon I received a call from her a settlement offer of $ 1000 for the Non-PP, as long as

Nordstrom's Upgrade [signature status] [address thanks]

I called to make a payment and change my address. He asked if I wanted to accept Signature status, of course I have . So now I've been updated, I wonder how that relates to my CL .
Also closed my new home on the 12th, so excited, but I have some of my statements wrong lol good thing I have to call to get the address .
Many thanks to all who so helpful for me to change the past.

Why can't I find this? [verification request] [letter forum]

Do not kill me .
I know I see a sample letter or three on here when a rating agency does not respond to the verification in a timely manner. Equifax ignored my request examination, and it is about 37 days.
I by the sample letter forum was porous and tried several searches . I can not find any examples. Maybe I'm too tired.
I'm writing a new letter, but I want to be sure to have some hints for an idea. Anyone can tell me in the right place point?
Many thanks.
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Has Amex ever pulled 2 CRAs for 1 app? [cras] [eq]

I applied for Amex Clear, pulled EX today and yesterday EQ. This is the first time they have done this to me. Did this happen anyone? My grades and everything else is identical for both. The only difference is I have 6 INQs on EX and 1 on EQ before application. For the price of 2 INQs I hope that I admitted.

Just thought of this? [preapproval] [eq]

Let say, for me, always Citi pulls TU for me online.
If I were to pick up and the application over the phone, it would still be a citizen of his app?
I know with Chase when I apply online, there is always EX or TU
When I applied from a preapproval in the mail, it was a EQ pull.
Does Who knows?
Thanks

Walmart Card for positive TL [fako] [baddies]

I'm trying to get some positive TL's on my card after the test, remove some baddies.
Have A 598 FAKO EQ to TC this morning. Is it easy to get one with CO2's unpaid 0.
We need a Sam's card to get gas at Sam's Club, or simply to do just Walmart card have?

OMG! IRS! Refund! [irs refund] [first thought]

This cracked me. I picked up the post this morning and it was a letter form the IRS. Obviously the first thought was utoh!. I opened the letter and inform me, I have a 29 cent refund due. However, since the amount is less than 1.00 $ I have to apply for refunds in writing. They were kind enough to include an envelope for the request. I want the 29 cents, but I have put a stamp on the envleope. I went to my desk, took my computer and realized that I would cost more to send the request as the amou

Just wanted to share my progress [crown jewelers] [student loans]

I started with 34 + derogs on each CR and 8 + Public Record's definitely, and 9 + INQ's on each. I only had 4 or 5 positive TL's, were all but one student loans. I started with 1 CC, 1 Premier.

I Crown Jewelers now reporting on EX and EQ and HSBC reporting on all 3, and still have first premier, even though they suck to the fee . lol.

I was also by all those derogs up to 10 derogs on my EQ, and although my Fakos mean nothing, I am monitoring them while I repa

Potential Job & Credit Pull [credit scores] [credit report]

In the investigation to dispute my credit report for things, I came across something interesting for me. I had applied for a job last February, and on my second interview, and it was very promising. I was very surprised when received after leaving the second interview I had a phone call that they went with other candidates. Now I noticed that they pulled my report 2x. I do not remember it enables them to take credit for my job. I normally do not apply to contracts, the credit scores are pulling

Account Solutions Group (ASG) just pulled a HARD! [collection accounts] [baddie]

Back in 2000, I went through a very rough time, and I ended up with a lot of collection accounts.
Today, things are very different. I have a great job that pays about $50,000 annually and except for my car payment, I have no debt. Thanks to CB, I cleaned up my credit reports and have just one baddie on one report now – a repo from 2001 on EX. Since I'm past clean-up, I've been working to rebuild some positive credit history and now have cards from Chase, Providian, Hooters, Home