Archive for August, 2011

MBNA/FIA offer of 20% settlement on $75k CC debt — take it? [tradelines] [fia]

I have $ 75k of CC debt with MBNA / FIA, that the approach is chargeoff. They offer the debt of 20% ($ 15k) to be paid payable over 6 months. I could afford to go 12 months or 10% over 6 months.
Do you think they use one of these options?
Will I be likely to succeed, remove them to trade lines as part of the settlement?
The alternative is to let it go to chargeoff and then see what happens. There is a possible BK on the horizon if we do not get homeowner mortgage assistance from

Blanket Dispute or 1-2 Punch? [incorrect names] [low hanging fruit]

I have false reports from EXP and TU, both with an abundance of inaccuracies, incorrect listing names, addresses, employers and the TL's actual .
Some of the TL's wrong, and some are not. So, I do with a dispute letter to each CRA dispute ALL items start, or do I need with the 1-2 punch contacting CA's and then start contact with CRA?
In other words . I get rid of the “low hanging fruit” with the CRA, or go to kill directly with the CA?
I leaked already and am ready

Are debt settlement companies worth looking into as an alternative to BK? [debt settlement companies] [filing bankruptcy]

Just wondering if any of these debt settlement or debt relief companies out there are good alternatives to filing bankruptcy. One article on the internet I read said they just screw up your credit even more and you eventually end up having to file bankruptcy anyway. Looking for some feedback from anyone who may have had experience with this. Thanks.

0603 FREDDIE MAC via FACTUAL DATA-NATIONAL [loveland co] [inquiry type]

Can a person be to speculate about what would this investigation? I did not vote for anything that would have to do with Freddie Mac applied.
Inquiry Type: My mortgage was completed in my BK and foreclosure in Sept. 2008.

0603 FREDDIE MAC via tap PEAK ACTUAL DATA NATIONAL
5200 DR
LOVELAND, CO 80,538,
(970) 663-5700
Requested
01/30/2009
Individual
Permissible included on purpose: loans

BofA CLI Increase online [request additional information] [bofa]

quote thank you for your credit line increase request. To continue processing your request, additional information is needed, including your annual income and a request report.
Interesting to your credit card . I have tried the CLI only 3 days or so ago and got the 'Sorry . not eligble for CLI . . Letters are “Message to send the letter in detail, I would have got a raise recently, and yadda yadda yadda Now I'm getting the above message would change the trigger What I have never see

Ordered True Credit and I can't check it now [true credit] [mail]

because I have to wait for a code in the mail. You certainly have to charge my card now though. What's going on?

Hooters MC.annual fee? [hooters] [wondering what kind]

I was wondering if anyone has any experience of the Hooters Mastercard and approved with no annual fee. I would like to diversify a bit more and I'm sure I could get the card . and the APR is likely to be high, but that would be a problem. I wonder what kind of scores / history are required to be approved without an annual / other fees.

Convert Chase Plat to Sig? [visa signature] [platinum visa]

Is it possible to have a Chase Platinum Visa “to a” Freedom Visa Signature “format convert?
(I know people who successfully have a Chase Freedom Plus “(CL $ 5K) to” Freedom Visa Signature “converted.)

Would you mess with your CR? [permanent mortgage] [baddies]

I am authorized to build in the process of getting a construction loan to a new home. 9 months before I close on a permanent loan.
Do you think I should wait for more credit repair is completed up to my house and I close to my permanent mortgage – it will probably be 6? I think I'm nervous when I make too much noise then some of the wicked make mysteriously jump from a report to the other .
BTW, several banks have told me that I already qualify for the best prices . . so always sw

GEORGE has over 25000 posts [-1]

I want to congratulate you on the assumption that guy offered it previously on the achievement of the objectives of 25,000 points!