Okay, I got a letter in the mail yesterday from Midland.   They were responding to a letter that I sent 2 months ago asking them to remove the comments "disputed by consumer" from my credit reports.  (These were conditions on mortgage approval.) Comments were removed by CRA via phone request but then reinserted three weeks later(by Midland), thus how I wrote the letter in the first place.  Anyhow, the letter received yesterday, states they will be removing "disputed by consumer" a second time. So low and behold, Midland removed the comments and also updated my credit reports with 120 day late!  I checked my reports today and it says it was updated September 2010. This is why my score plummeted, not because of Macy's purchase as I originally thought!  Ugh, I hate Midland! Luckliy I closed on my Mortgage August 6 and before they reinserted the disputed comments!! But this still sucks! ... View more

@ulan  This is my Ratio...   Ratio of your revolving balances to your credit limits 22% For FICO High Achievers [?], this ratio is 7%, on average. Your FICO score evaluates your total revolving credit [?] balances in relation to your total credit limits on those accounts. In your case, this ratio of balances to credit limits is too high. ... View more

@honeybunnygal....Thanks for the Info. @ Ulan.....I lost 28 pts. and My Credit Limit is not showing a "0", and its not "blank", It Just Says "NOT REPORTED",  You think I should call and ask them if they could report my credit limit as "blank" instead of "Not Reported"?!!! ... View more

I personally went through the Cap One Blank Check Program and it worked perfectly fine for me.  The dealership can call Cap 1 to verify the validity of the Blank Check during/prior to the transaction.  If that particular dealership doesn't want to honor the Blank Check, I suggest  going to another authorized dealership through Cap 1. Then notify Cap1 that the dealership listed under their program does not participate anymore! ... View more

How can you get your student loans deferred 12 months from the closing date? ... View more

I'm in the SBDNO county as well and have been looking.  My agent responds when I call or email.  I just emailed him a new listing yesterday(4/20/10) and he responded within the hour and we are going out today....the agent was ready to go yesterday, but I couldn't make so today(4/21/10) it is.    I suggest finding a new agent. No response is no excuse!! ... View more

@shelby99sg   If I were you, I would go ahead a file a complaint with the BBB, FTC, and AG along with your dispute.  TU may reply that the dispute is "frivilous" just because they verified the information previously!! ... View more

AutoBurn Yeah, I filed a complaint with the BBB, threating to sue because of illegally reaging with proof.  Originally Santander didn't respond to the BBB, but after about 7 weeks, the BBB changed their rating on their website!. Needless to say, Santander finally responded saying that they conducted an internal investigation of their records and determined that my dispute was VALID!  They deleted the account from my TU report within days. And my credit score bounced back +93 points.... ... View more

Lynn--In my case, Santander re-aged a very old account and placed it on my credit reports.  I disputed the account with TU, but it came back verified so I filed a complaint with the BBB, FTC, and AG(Attorney General).  The BBB was the most instrumental in getting something done,as they suspended Santander's account with them when they didn't respond to my complaint. 2 months later they finally responded and sent me a letter stating that they completed an internal investigation and found my complaint was valid and that they were going to delete the account from my reports within 30 days.  Well, they deleted in 2 days and I am so happy that I decided to complain to all of the above agencies.   If I were you, I would continue sending off those GW letters...who knows they may get tired and budge!! ... View more

This is the letter I received.....   Triad Account Number: XXXXXXXXXXXXX00 SCUSA Account Number: XXXXXXXXXXXXX00 Dear XXXXXX XXXXXXXXXX, This letter is in response to a complaint received concerning information on your credit bureau report(s) regarding Santander Consumer USA Inc. a/k/a Triad Financial SM LLC (''SCUSA''). Based on the information you provided, we conducted an investigation of our records and determined the validity of your dispute. SCUSA has requested the following change(s) to your credit report(s): Reason 1: Delete the trade line for the above referenced account(s). This update to your credit bureau report(s) should reflect within 30 days. Please be advised that SCUSA is merely a furnisher of credit information, and not a credit reporting agency, and has no control of the contents of credit histories maintained by any credit reporting agency. SCUSA can only make requests that changes be made to your credit history and cannot guaranty such requests will be honored. We appreciate your concern and effort in bringing this matter to our attention. If you have any further questions, please contact us at 1-800-XXX-XXXX. Thank you, Santander Consumer USA Inc.   Some Info has been left out, don't want to violate any myfico rules.    I am so happy since this is my 2nd to last collection on my Experian and Equifax, but it's my last account on Trans Union(hoping to get my old score back or highter).  The other is Midland and I am just going to pay and try GW letters and hope for a deletion!  Now my other concern regarding Santander is that they are reccomending deletion and can't guarantee the request will be honored!  What is this supposed to mean! ... View more

Please keep us informed.  I too am trying to find ways to  get rid of Santander.  They brought my TU score down to 587 (myfico)  when they illegally placed this collection on my credit reports! ... View more

Looks like your new statement date is on the 26th of the month.  The new balance of zero will not report to the CRA's until 2/26/2010.  If you decide to use your CC  at anytime during February, make sure you pay your entire balance back to zero by 2/21/2010 if you want a "O" balance to be reported to the 3 Credit Bureau's.   someone else may chime in with more beneficial info regarding this issue! ... View more

You'd probably be better off, doing your own credit repair and at the same time saving lots of $$$'s! ... View more

I would offer them a PFD.  I had an old account with them and I sent a PFD and they accepted.  It is no longer on my CR! ... View more

I disputed with TU CRA and it came back verified. Can I now request MOV? If so who do I request the MOV from, TU or Santander Consumer USA?   This is amazing that they can get away with this!! ... View more

Okay you guys, This issue is just a pain and it's been taking way too much of my thoughts throughtout the morning...so I called Santander to inquire about the account.  After being on hold and transferred a couple of times and finally ended up in the Bankruptcy Dept., the CSR asked what was the purpose of my call and I stated that I wanted to inquire about an outdated account that was placed on my CR. He got my info and said when was the account open and I told him 2/2000. I then explained that this activity is against the law, etc...  I was put on hold for about 1.5 minutes (twice I might add). When he finally came back he told me that this was a Triad Acct. (duh) and asked when was the account re-inserted onto your CR, I told him 11/2009.  He said that they just purchased Triad in November 2009 and there is a glitch in their system and I should just dispute it with the CRA and that should take care of it.    He made it sound so easy....but I know better!! ... View more

What state are you in?  I would like to do the same! ... View more

My OC was also Triad.  I filed a complaint with the FTC...should I file one with BBB too? ... View more

Well I called Trans Union and TU said that Santander told them the closing date on this account was Nov. 2009.  I told the CSR that I disagreed with the date because this account was an old account from 8/2000, I know this because when I bought a car in 2003, & the collection was on my CR.  She asked if I wanted to dispute the dates over the phone and I said no and hung up.  I did not dispute over the phone since I've already mailed out a dispute letter CMRRR.  This is going to be a doozy....I'm already hunting around to see if I can find an old CR. ... View more

There is no red flag, but the account is listed as an account and not a collection! ... View more

Thanks.  I will do that and will post the outcome!! ... View more

Something similar happened to me.  My account was from 2000 and now this same account has reappeared as Santander Consumer USA.  I didn't have a current credit report so I called Trans Union to find out the date of deletion and they said 2016.  I was appauled at this and sent out a dispute letter for reporting of inaccurate information and beyond 7 years SOL.  I'll let you know my outcome! ... View more

Strangely, this recently happened to me.  The same exact circumstances. Santander only placed the account on my TU credit report (Thank  God!). I have since  sent off a dispute letter to TU stating that this information in obselete.  Just sitting and waiting  and hoping that they will remove this Santander USA from my TU report.  My TU score was up to 658 and when this reported on my TU report, it dropped to a whopping 587.  This is truly a nightmare!! ... View more

Thanks. ... View more

     I applied for this CC.....It's GE Money Mastercard and yes GE owns Drive Time also!!   What really sucks is that Midland and Rickenbacker Collections were deleted today on my TU report. And now my only collection reporting on TU is this Santander USA fiasco. I did dispute it on the basis of CRTP >7.5 years, so hopefully it will work.  Now waiting and hoping that EX follows suit with the same deletions as TU.   Then I will be collection free, if I can get rid of Santander USA.  I hate waiting....   ... View more

Just did a little homework and found out that Santander USA owns GE Financial, HSBC Auto Finance, and Triad Financial Corp.   In my case it's not Drive Time (whom I originally thought reaged my account) It's Santander USA reporting for Triad Financial, but strangely the inquiry that was placed on my CR was from Drive Time.  I applied for GE Money CC  on 12/05/09 and instead of the inquiry from GE, I got an inquiry from Drive Time!  .........This is getting weird! ... View more

Do you think this would be considered reaging, since they are using new dates? ... View more