jmco Tracker

Re: Capital one CL increases without requesting...

jmco — Sun, 19 May 2013 16:29:53 GMT

oh...and for the most part we were leaving balances.....

Re: Capital one CL increases without requesting...

jmco — Sun, 19 May 2013 16:29:04 GMT

Yes, both cards were credit steps. We started with 250 CL and within 3 months moved to 500 - we each have the blue and green cards, each with 500 CL...the green cards are the ones that increased so him from 500 to 1500 and me from 500 to 2500 (mine was higher because I have a wellsfargo card with a 2K limit right now so I guess Cap1 wanted to beat that)....either way, who cares....they increased it and we didn't even ask for it!!! I am waiting to see if I get a HP on the CR but so far nada!

Happy Sunday myfico friends!

Re: Capital one CL increases without requesting...

jmco — Sun, 19 May 2013 01:00:40 GMT

Yup!!!!! This makes me smile...

Capital one CL increases without requesting...

jmco — Sun, 19 May 2013 00:53:43 GMT

Surprise surprise....my husband and I just got notified of increases...him to 1500 and me to 2500 ....nice surprise on a Saturday night.....

Re: Amex spying on my Linkedin

jmco — Wed, 15 May 2013 01:19:04 GMT

My company has an .com site and I do all the fraud checks when orders come in....part of what I do to confirm billing/shipping information is search the web including FB, LinkedIn and Spokeo.....I can't tell you how many orders I have cancelled because I have found them to be placed with stolen credit cards...especially Paypal MC....there are definite pros and cons to social media but those cardholders hat have been hit with fraud are very grateful we are taking the extra steps to confirm identity.....just my 2 cents...

Re: Credit cards you just can't seem to "crack"

jmco — Wed, 15 May 2013 01:08:14 GMT

Mine are AMEX and the salliemae MC!

Re: Feeling Emotionally Broken

jmco — Thu, 02 May 2013 23:53:42 GMT

Got a fico update...score went from 638 to 633.....not such a bad decrease I guess....still sucks but I guess it could be worse...

Re: Feeling Emotionally Broken

jmco — Thu, 02 May 2013 01:26:40 GMT

I don't know. He told me to fill it out asap and mail back. Since I had worked with them in the past I didn't think anything of it and just sent it back immediately.

They sent me copy of the filing but I just put it with the rest of the paperwork because I knew I was on a payment plan. Hate them. I am thinking of filing a BBB complaint on it but first I need to figure out where to get 2500 bucks asap and pay this thing so at least the judgement will show paid. Midland is also reporting on my CR however

they were actually helping me because they are reporting my payments monthly so it shows the amounts going down. Hate them.

Re: Feeling Emotionally Broken

jmco — Thu, 02 May 2013 01:20:00 GMT

Your very sweet virtualcuriosity...thank you....

Prayers always help!!!!

:smileyhappy:

Re: Feeling Emotionally Broken

jmco — Thu, 02 May 2013 00:32:05 GMT

Party Status is "S" - what does that mean?

Yes I have a copy of the paperwork and it's definitely a consent judgement.

I hate that they did this and I didn't realize it! I have worked with them many times and took it for granted. They screwed me.

Re: Feeling Emotionally Broken

jmco — Wed, 01 May 2013 20:20:03 GMT

QD,

I know your right and I have read about it all (I spend wayyy too much time on these boards) but my goodness is this like a kick in the gutt!

The worst part is that my daughter starts college in Sept and the reason I have been working so hard to clean everything up is because we want to be able to cosign for her, with this, it probably won't happen. I am hoping that the silver lining will be that the hit to the score won't be THAT bad but I know it's wishful thinking.

Thanks again... keeping my chin up.

Feeling Emotionally Broken

jmco — Wed, 01 May 2013 20:09:27 GMT

Hi All,

I am so unbelieveably upset right now. I just received a notification from myfico stating a new public filing has showed up on my reports. As soon as I saw that notification my heart broke. I have been actively working to clean up mine and my husband's credit after a vert tough 2007 and 2008. We are finally at the point where new credit has been granted and our scores are flucuating between 640 and 650 which is a definite improvement. We still have more work to do but I had confidence that soon we would be back to our scores prior to 2007. GUESS NOT...

So here's what happened...

I have worked with Pressler and Pressler in NJ for a while now... They have had 4 Midland accounts of mine that I have all since paid. Currently I am working with them on 2 others and am on a payment plan - no problem. Well last month I get a letter for the last outstanding midland account and I log on to P&P website and make a payment arrangement. One that I have done many times before... I paid my first payment and moved on with my life. A few weeks later I get a letter in the mail from P&P stating they are suing me because I didn't respond. I called and spoke to someone who was a real piece of work. I repeated several times that I didn't want this affecting my credit report because I was working hard to clean it up. I told him I wrote to them and made a payment plan AND made my first payment. I told him we needed to fix this and repeated over and over that this couldn't affect my credit report. He told me they got my payment plan suggestion and that they called me but left no message. Then he told they sent a letter and asked that I call them but I never did (mind you only a few weeks pasted between my payment plan email and my call to them). I told him that I had been dealing with P&P for years now and I have ALWAYS kept in touch and kept my promises. I am NOT running from my debt. I am trying to pay it all off. He said OK then I will send you some paperwork to fill out pretty much stating that if you don't pay us we can garnish your wages. I said OK but will it affect my credit. I remember P&P sent me paperwork like this in the past and it never did but I need to make sure this one doesn't. He said P&P doesn't report and this is just to close the judgement. So I said, OK send me the paperwork and I will sign it and send back to you. STUPID ME trusted this SOB and signed it all

and sent it back. Well I call P&P today and speak to a manager who pretty much tells me that the person I spoke to didn't lie they don't report to CA however because of the type of judgement I signed it was reported as a public filing and there is NOTHING they can do about it because I signed the documentation. He tells me I should have read the paperwork before signing. I said I DID however I have been doing business with P&P for years now and have never had any issues so I trusted you, STUPID ME. Then he tells me well, there is nothing we can do now..... GREAT, thanks for nothing...

I am really so upset about this. I did it to myself. I ruined all the work I have done for months in one moment. How are these companies able to do this???? I wish to God I had $2506.00 right now to pay this one off. The other 2 are fine but this one at least if it's going to show as a judgement on 5/1 it wouldn't be so bad if it showed PAID on the same date. I have a WellsFargo card with $2K CL - I am sure they will reduce or cancel as soon as they get my new fico score.

Is there really nothing else I can do to get this removed?

My heart is broken...

Thanks for reading...

Re: Feb WalMart Scores are Up!!!!!

jmco — Sat, 09 Feb 2013 15:48:41 GMT

thanks for the heads up on this!!! score hasn't changed much but that's good considering my util is high from xmas...march should be better (taxes and bonus on the way!!)

Re: Discover IT. First unsecured card

jmco — Fri, 08 Feb 2013 23:34:07 GMT

you guys are all making me itch!!!!!!!

I have to wait....I need to pay my current cards down from XMAS which should happen in the next few weeks and then maybe try but really I want to try nowwwwwww...

Re: Credit cards for your kids?

jmco — Thu, 07 Feb 2013 16:01:50 GMT

exactly snowkitty!

my kids couldn't find jobs at all - between not being 18 AND the economy, the jobs were going to MUCH older people... the days of teenagers working at the age of 15 ar long gone unless it's under the table. Either way I always told my girls that their "job" was school - if they wanted to go out and find a part-time job then OK but as soon

as that interfered with school we would put the "kabosh" on it. They both have checking/savings accounts before becoming AU on the credit cards so in our instance

there was no issue with me adding them to my Cap1 and Discover. I do not want my 19yr old driving around without a credit card in her pocket for emergencies.

It makes my life easier to have her have one and as soon as my 16yr old turns 17 in July she will be added as well.

:smileyhappy:

Re: Credit cards for your kids?

jmco — Thu, 07 Feb 2013 01:36:52 GMT

I added my 17yr old DD as an authorized user to my Cap 1 and Discover cards. I wanted to start her having a credit history but more importantly I wanted to make sure she had $$ available to her for emergencies since she is driving now. She is now 19 and in college and adding her has helped with the loan needed for college - the interest salliemae is charging is not bad and the loan is now under her own name. I plan on doing the same in a few months when my other daughter turns 17.

Re: MIDLAND

jmco — Wed, 06 Feb 2013 03:07:09 GMT

would appreciate any email address you all have for these guys - thanks!

APPLIED BANK/CREDIT CONTROL LLC/BBB SUCCESS

jmco — Mon, 04 Feb 2013 22:40:54 GMT

WOOOOOHOOOOOO!!!

I entered a BBB complaint a few weeks ago stating that husband was part of their "clear your credit program" and after settling and paying in 2010 the trade lines have yet to be removed. I received notification today that the complaint had been responded to and received a letter from Credit Control stating that they can not find proof that we were part of the clear your credit program but as a courtesy they would be removing the trades lines between 30 to 60 days - they only report to Transunion and Experian so there you gooooo!!!

another account removed thanks to myfico!!!

Re: the bad part of having your wife handle all your credit monitoring....lol

jmco — Fri, 01 Feb 2013 02:43:53 GMT

it's his own fault so he can't be mad at me!

he put me in charge of this "credit rebuilding" process sooooooooooooooooooooooooooooooooo

and the Jared's card was approved for $2K so I am doing something right...

LOL!

the bad part of having your wife handle all your credit monitoring....lol

jmco — Fri, 01 Feb 2013 02:11:49 GMT

yesterday I got a notification that there was a change on my husband's credit report....

I checked and it said a new line was added for Jared's.....guess he went to Jared's for V-DAY..... LMAO!!!

He is SOOOOO mad right now....

:smileyvery-happy: