VLGaffEsq Tracker

Re: HELP WITH JUDGMENT..Never served

VLGaffEsq — Thu, 22 Sep 2011 02:15:38 GMT

You need to spend some time and money IMMEDIATELY and hire a lawyer to sue this company and process server for FRAUD/MALICIOUS PROSECUTION, Etc. take the time and do this...It will be well worth it in the end. You cannot and should not let these people get away with these types of actions. Get the papers filed ASAP, and do NOT drop this matter; you will win in the end, and try and recover all your costs in the process. Good luck!

Re: 1 less credit card

VLGaffEsq — Sun, 11 Nov 2007 02:45:20 GMT

I say this was a smart move Rudy, especially since you were able to transfer your closed card's limit to another Amex card, thereby keeping your available credit the same, but reducing a trade line, per the Equifax recommendation. Rest assured you did well.

Re: I just got approved for Hooters MC!

VLGaffEsq — Sun, 11 Nov 2007 02:00:55 GMT

I also was recently approved and today I recieved my Hooters MC today (after the "7 - 10 days" reply), with a credit limit of $5,200. I was quite surprised with the limit since I have a high utilization on all my other credit cards at the present, but my FICO score was hovering around 700. It does seem like a uniquely named credit card, but since it seemed so easy to get, I figured I would go for it, and now I am quite happy with this card and its generous limit!

Re: Difficult Ones

VLGaffEsq — Thu, 01 Nov 2007 21:47:09 GMT

FYI, Cooneyca, Fleet Bank merged with BankBoston, which was subsequently taken over about two years ago by Bank of America...

Re: Score took a huge hit

VLGaffEsq — Sat, 27 Oct 2007 13:48:07 GMT

Don't worry; after a month, your FICO score should be back up to around 690 since you paid down your 90% utilization of your credit card debt. It will NOT take several months...

Re: Advice Wanted- 32 pt. difference

VLGaffEsq — Fri, 12 Oct 2007 17:55:13 GMT

From what you said I think your FICO scores are excellent, considering your 2004 bankruptcy...so congratulations on your scores. Regarding raising your present FICO scores, you NEED to have credit to rebuild your credit. I strongly advise you to immediately get at least one more credit card for your file, and since I know they pull TU, I suggest you apply for a Juniper card (they also seem to appear BK friendly). Remember, your credit card debt utilization is 35% of your FICO score, so you need to have credit cards, and use them (but keep their balances down between 1%-9%)! Good luck!

Re: Should I hit the luv button?

VLGaffEsq — Fri, 12 Oct 2007 16:47:06 GMT

If I were you I would wait a couple of months, especially to give yourself time to raise your FICO scores, which may increase your chances of getting a CLI.

Re: I have a zero balance on a card...Do i still need to charge?

VLGaffEsq — Fri, 05 Oct 2007 20:26:52 GMT

Please do yourself a favor and CANCEL this type of insurance immediately...it's basically known as "suckers' insurance." You don't need this at all, especially with your present credit card balance. Period. Call and cancel now.

Re: Capital One Situation

VLGaffEsq — Fri, 05 Oct 2007 18:28:15 GMT

You should immediately contact CapitalOne and work out some kind of plan with them, before your situation gets any worse...your goal is to protect your credit! If you make good on your account with CapitalOne, they may work with you later to remove these "baddies," but you need to be proactive before this problems snowballs.

Re: Need help, which way to go?

VLGaffEsq — Fri, 05 Oct 2007 15:23:58 GMT

Please DO NOT DO ANYTHING until after you go to closing on your home. After closing, then you can consider combining your CapitalOne accounts into one card and possibly closing another account if the fees are too high. Then you can try and obtain credit line increases on your other credit accounts. As your FICO score increases you will be able to obtain better credit cards, but this process will take time, so please be patient. Good luck!

Re: Need Help, More Credit Cards?

VLGaffEsq — Thu, 04 Oct 2007 23:33:45 GMT

At this time, I say go for it and get the Amex card. While the hard inquiry may initially hurt you, the available credit will raise your utilization, thereby helping to raise your FICO scores. Just explain to your auto lender that you jumped at the opportunity to get an Amex card recently and that should explain away your recent unquiry just before buying a car.

Re: Disputing online vs. via mail

VLGaffEsq — Thu, 04 Oct 2007 19:57:14 GMT

I would always be more comfortable using the US postal service, thereby getting a "return receipt requested" document for your file. You always want to maintain a legitimate paper trail of all you efforts, especially in case you ever have to appear in court. This paper trail will become your evidence to help prove your case to the judge.

Re: Verizon Settlement Offer! What should I do?

VLGaffEsq — Thu, 04 Oct 2007 19:53:26 GMT

I agree with the other replies; counteroffer to settle, BUT only if they will agree to remove this item from your credit report, and GET IT IN WRITING. Don't give up; be persistent!

Re: Ask and ye shall receive

VLGaffEsq — Thu, 04 Oct 2007 19:48:40 GMT

Very good job! I utilized this same service about three months ago, and then combined my two accounts into one, thereby cancelling all annual fees on my account.

Re: Be careful with this credit card from Applied Card Bank!

VLGaffEsq — Thu, 04 Oct 2007 19:45:12 GMT

Thanks for your reply CreditHawk, but if you carefully read my email, you would have seen that this credit card is "my oldest credit card" which helps establish your "length of credit history," which I believe counts for roughly 30% of your FICO score. That is why I continue to keep this credit account open since I have had since account the longest, since 2000. Also, I DO have five other credit cards...

Re: wamu calling

VLGaffEsq — Thu, 04 Oct 2007 19:33:14 GMT

Washington Mutual is more than likely calling to try and sell your husband some product linked to his new WaMu credit card like "credit protection" or the like. It's harmless, but these services should be politely declined.

Re: how quickly does paying off credit cards help

VLGaffEsq — Wed, 03 Oct 2007 21:09:10 GMT

Here is the bottom line...In my own opinion, if you have a high utilization of your credit card debt and you REDUCE that utilization of credit card debt to below 9%, you are going to see a significant increase in your FICO scores - period. This is a fact simply because your credit card utilization represents 35% of your FICO scores. Therefore, significantly reducing your close-to-maxed-out credit card debt (whether immediately or over several months seems to be irrelevent) will cause a hugh increase in your FICO scores. Good luck and go for it!

Re: FAX NUMBERS FOR EXPERIAN, EQUFAX AND TRANSUNION

VLGaffEsq — Mon, 01 Oct 2007 15:52:32 GMT

Please see fax numbers at bottom; good luck!

Equifax, Inc.
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
http://www.equifax.com

Experian
P.O. Box 2104
Allen, Texas 75013-2104
1-888-397-3742
http://www.experian.com

Trans Union Corporation
Consumer Disclosure Center
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022
1-800-888-4213
http://www.transunion.com

Fax numbers:

Equifax = 866.233.3777
Experian = 972.390.3838
Trans Union = 610.546.4606

Re: Budget rental car did a soft inquiry.....will it hurt me???

VLGaffEsq — Mon, 01 Oct 2007 15:47:04 GMT

You do NOT need to do anything; do not sweat this soft inquiry from Budget. Soft inquiries have no effect whatsoever on your FICO score. Let it go...

Re: When should I apply?

VLGaffEsq — Sun, 30 Sep 2007 03:28:54 GMT

If I were you, I would hold off applying until you get that "baddie" off your report and raise your FICO scores as high as possible to ensure you get a lower interest rate and a higher credit limit (unless you are desperate for another credit card right now, which would be a completely seperate issue you would want to address). Always 'work from a postion of strength instead of weakness' is my motto.