Archive for December, 2010

Shell Late Fee [shell account] [mistake]

We have had a fairly decent shell account for the last 2.5 years. I believe that our credit limit is 13.5K. We usually pay in full each month, but for the past 2-3 months we did a few minutes. Payments due to some slow pays from our customers. We had a 9 + k balance (we have a lot of trucks) on our last statement. Now an error happened in the last month, and for some reason our accounting department missed a payment. I did not know until I logged onto the account for a periodic review, as I do f

I Need to get rid of certified recovery [-1]

Thanks to the board insisted I always have my scores back until the middle of is 600th I had a collection that was after CH7 reporting. I could send them a letter that they were in violation, and the collection to remove. This has not worked with Recovery Certified. I have sent them a letter to all three addresses I could find. You have not removed. It was reported after submission. Just my report so that the date is open updated 1 / 2006. This was changed from June 2005. They are still reportin

Discharged through Bankruptcy & Charged Off [bankruptcy chapter 7] [7 months]

Ok, I have a question. I have been doing clean up now for over 7 months and I try not to post without completely looking through all threads relating to my questions. However, I am still confused on the notation in the status area on my credit report that states that "Discharged through Bankruptcy Chapter 7/Account charged off. Is this not a "double" negative. Is it legal for a OC to do this? If not, what is the approach to get this corrected? Thanks for any and all help.

Patelco Online Application Eligibility Question? [eligibility question] [patelco]

I am an online application for an auto loan on Patelco site. However, there is a question of eligibility if I'm not a member. I do not think I would qualify on their eligibility. For example, live, work, or worship in a city that is appropriate (it looks like the cities and counties are only in Canada and I live in GA). The other issue is the eligibility if I'm a family of a patelco member.
Did anyone have this problem occur?

New here, how do I dispute a BK7? [bk7] [quot]

I live in NY now, I have a BK7 from 1/2000 from South Carolina. Just pulled my EQ credit report and it has the following info on it:
Liabilities: $0
Asset Amount: $0
Current Disposition Date: 20/05/0 (is that supposed to be some kind of date?)
Date Verified: n/a
Date Reported: n/a
——————————————————————–
Is it possible to dispute this and how would I do it? I'm still in the "deleting addresses" phase,

***need quick info*** [three months] [little bit]

I need some info for one of our great reporters.
Have you a credit card account was blocked / denied / rejected without giving any reason recently? – Within the last month, two months, three months
Can you reply in this thread with a little bit about and about how long it happened?

Opening a bank accout [chex system] [account thanks]

Has anyone had any success or difficulties in opening a new bank account post-BK7? DH and I are most certainly in the Chex system (i think that's what it's called) after we overdrafted 2 bank accounts (causing them to be closed, leaving a balance of $2500 on one and $1500 on the other). Will we be able to get another bank account?
Thanks in advance for any response/experience.

Looking to pay Chase CC balance in full in a few months [payment history] [chase]

Hello all.
I have balnce Chase CC, with the account closed by them lates of them closed for the last 2 or 3. I wish this balance be paid in full in the coming months. What kind of letter should I pay them before they full?
Here is what looks like the report on truecredit.com with 2 years of payment history in good standing. I was also wondering, will chase reopen if this card paid in full? How to set the mark to see the report after it is in fact in full?
TU EXP paid EQ
Ac

Seeking Advice on Whether to File or Not [financial situation] [emp]

Greetings Everyone,
I've been lurking around for a while and reading various posts, but today I decided it was finally time to sign up and ask the big question:
Do you think I should file bankruptcy?
I think it'd be best to give you a little background first, and then the current details on my financial situation, so here goes…
I'm a 31 year old recently divorced male. I'm originally from Indiana, but I've recently been relocated to California by my emp

I'm ready to SCREAM [hospital collections] [insurance info]

I have worked on a hospital bill since last fall. I knew nothing about it until I saw it on my CR. I went to the hospital in '02, but they did not take any information from me b / c it was an emergency. I called back had next month with my insurance info and my address b / c I did not receive an invoice. My insurance was billed. Everything is okay . right.
Fast us 2 years and find other hospital collections on your CR. It seems that the hospital is not insurance and address information