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since
08-21-2009
03-27-2018
Sean28
Valued Member
29
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Kudos
04-30-2010
01:06 PM
Hello, No, it was a judgement from a charged off Providian CC years ago, still unpaid
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04-30-2010
09:23 AM
I was approved for a Discover More card with a cl of $4000.00. I'm escatic because I saw that they pulled TU which is my worst report by far and has the most inquiries (11) by far. It also has my only negative which is a 4+ year old public record. They must of softed EX or EQ. I can't be more happier. I'm gonna use this card to rack up the rewards and hopefully buy some plane tix in a few years when I go to Disney World. Fico Scores EX - 738 (PSECU) EQ - 757 TU - 689
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03-29-2010
12:47 PM
I take back my previous post. The inquiry was only gone for a day. It's back now!!!. This sux cause it says Collection Service right on it and I was planning on applying for the Discover More wihtin the next week or so once Orchard updated my report. I spoke to the CA who said I can talk to their Compliance Dept to see if they can take it off. I don't know if it's worth it to go after damages. Wouldn't the lawyer fees be expensive to go after such a small amount? but I'm not saying I won't do it for the principle of the matter. I can always pull my archived reports and print them if I decide to pursue this even if they do take it off. Pardon my ignorance but what is a CoA, ITS and RA mean?
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03-25-2010
12:18 PM
Thanks for all your replies, Oddly enough, the inquiry "magically" dissappeared of my report when I checked it today. It's like they just pulled it for the heck of it to snoop around, then pulled their inquiry back. This does not give me a warm fuzzy feeling inside.
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03-24-2010
01:27 PM
Hello, I was harrassed at work today by NES (National Enterprise Systems CA) courtesy of a call that was transferred by my boss since they must of called our main switchboard # and asked who my supervisor was. Anyway, they are trying to collect a debt from an old student loan I defaulted on. I settled this debt already with Progressive CA in December 09, and did receive a Zero balance letter from them. I explained this to NES who was completely rude and obnoxious. Keep in mind I work in an open cube environment so my boss and my co-workers are all up in my business, how embarrasing. Anyways, I have to fax over the zero balance letter and they said they would review it. This is such BS. I pulled my credit report today thru CCT and noticed an inquiry out there from NES with today's date. Are they legally allow to hard pull my report without my permission. Any advice or comments is appreciated as always. Thanks
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03-17-2010
10:08 AM
Hello, I currently am looking to refi my Jeep with my current lender Chase. I'm also looking to appy for the Discover More card, I keep getting pre-approved letters and the expiration date is 3/31 to sign up for the promotional offer. I have an overall utilization of 10%, however I have a $477 bal on a 600 cl. I paid it a few weeks ago but I'm waiting for Orchard to update my credit report before applying for another card or my refi. I think Orchard reports on the last business day of the month for me. Below is my cc portfolio, no lates at all on my cr's. Orchard Bank $600 CL - $0 Bal (just waiting for it to report) Orchard Bank $500 CL - $300 Bal Kohls $1000 CL - $195 Bal Jared $7600 CL - $0 Bal Psecu $10,000 CL - $1300 Bal Fico's EX - 736 (provided from Psecu) -- 6 inqs EQ - 757 - 4 inqs TU - 681 (one 4 year old pub record) - 0 inqs Should I wait until my report is updated and then apply for the Discover card, then try to refi my Jeep or vice versa? I believe Chase and Discover both pull EQ in PA. I also read on other threads that Discover pulls all 3 when you apply. My public record is not paid and I'm waiting for it too drop off my report. I'm considering freezing TU but not sure if that's a good idea. I applied for the Chase Freedom card a few months ago and was denied because too many new accounts. They initially pulled EX, called for a recon and they pulled TU and denied again because of the public record. I also checked Amex's pre-approved website and it said I was pre-approved for their Gold and Green card but recommended Gold. Should I apply for that instead of the Discover card? Any suggestions or advice is appreciated. Thanks
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02-15-2010
10:28 AM
TXJohn, I hear you, I hate the idea that someone is making money off this. I didn't realize that even if you file BK, you still have to pay for 3 or 5 years. I guess I'll pull her credit reports to get a gist of what her creditors are reporting. Thanks
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02-12-2010
02:58 PM
Long story short, I have very good credit, however my DW is 40K in debt and about a year ago (before I discovered these forums) she opted to pay a lawyer to settle a debt with her creditors for a fee of course. She currently pays $525.00 a month to this law firm over 5 years. This firm is supposed to be negotiaing settlements of up to 30% with her creditors and has done a lousy job of keeping up with their part of her agreement. 1 year later, she has been sued by Target and had to go to court, the firtm did settle some smaller debt with maybe a 5% settlement rate and we still get harassing calls on a daily basis. I'm sure her credit is shot with derogs all over it but havent pulled her report to find out, been too scared!!!!. My advice to her is to declare BK and cut her losses and start over but I wanted to ask all the wonderful people on here if that is a smart decision. We own a home (in her name) but our looking to upgrade in the next 3 years and wasn't sure how great of an impact the BK will sway the mortgage lenders. Any advice is much appreciated. Fico Scores EQ 757 1/2/10 TU 689 11/19/09 (1 pub record 4 years old) EX 736 2/11/10 (Love PSECU!!!)
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01-27-2010
03:44 PM
Hello, I had an old student loan turned over into collections, roughly for $9,000. The CA advised me they worked with Sallie Mae and offered me a settlement of $3,800, which I accepted and paid in full. I was previously paying $110.00 per month and the CA said they were still charging me 30% interest on the balance of my loan. My question is, Can I claim what I paid plus the interest on my upcoming tax return. Does it matter that this was turned over to a CA. I haven't got a tax form from them, however I only settled about a month ago. Any help is appreciated. Thanks,
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11-27-2009
11:45 AM
Bump on this question I do have a question. When I originally called PSECU, they pulled my credit for the original membership, then pulled it again for the loan, and again for the CC. So I have 3 inq on my EX report (one from 11/17 and 2 from 11/24). I pull my CR daily with CCT. Is this normal? I asked the lady who was pulling my credit if she had to pull it multiples times and she said yes but that doesn't seem right since its all the same information. Actually my score did go up from 11/17 until now, since Jared finally reported my $2600 CLI, my util went from 41% down to 25%. Should I call to see if they can remove 2 inq's or just let it be? I'll take the 3 inq hit if needed. that would only give me a total of 4 on EX.
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11-25-2009
06:35 PM
I sent $6 to join. I want to open a savings account but don't think I'm obligated to. I'm waiting for the welcome packet for more info.
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11-25-2009
06:10 PM
Yes, I understand your point of view JoJo, however I've had quite a few other debts that I owned up to for a lot more money and I dont want the Macy's card that bad to throw them $1200 that could be spend elsewhere but I do appreciate your opinion.
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11-25-2009
11:17 AM
Thanks JoJo. I kinda had a feeling they wouldn't accept me back. After I posted I read a thread about this happening to someone who had a Dilliards account. Whatever the amount I owed them (probaly $1200 or so) is not worth making right with them to get a CC. Plenty of others out there I like...Kohls, JCPenny's, Nordstrom's. Thanks for the advice.
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11-25-2009
08:43 AM
I had an old Kaufmann's card back in late 90's that I defaulted on. My scores are good now and I like Macy's and do shop there from time to time. They aquired Kaufmann's (approx 3 years ago). I've been reading about the generous limits they have been dishing out for the holiday season. Do you think I have a shot? Anyone know who they pull? In PA
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11-25-2009
06:33 AM
Thanks to my deceased father (worked for PA Liquor Control Board -- RIP Dad), I was eligible to join PSECU. They are fantastic. Approved for the $6,000 (10.6%) sig loan and.......drumroll please.......$10,000 Visa CC (13.99% I think). They ask you what you are looking for, between $500 - $20,000. I said 10 and I got it. This is easily my highest CL CC and my first 5 digit CL. Can't wait to say goodbye to my two HSBC cards. Plus the free EX score with PSECU, its all good!!! I do have a question. When I originally called PSECU, they pulled my credit for the original membership, then pulled it again for the loan, and again for the CC. So I have 3 inq on my EX report (one from 11/17 and 2 from 11/24). I pull my CR daily with CCT. Is this normal? I asked the lady who was pulling my credit if she had to pull it multiples times and she said yes but that doesn't seem right since its all the same information. Actually my score did go up from 11/17 until now, since Jared finally reported my $2600 CLI, my util went from 41% down to 25%. Should I call to see if they can remove 2 inq's or just let it be? I'll take the 3 inq hit if needed. that would only give me a total of 4 on EX.
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11-19-2009
08:35 AM
Can add $8700 for mines. too bad presently $7600 represents Jared, hopefully that will change soon!!!
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11-17-2009
06:37 AM
Thank you both. I didn't realize anyone could join Alliant. I'll look into PSECU as well to see if qualify. Fingers crossed
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11-16-2009
10:38 AM
I was just denied for a signature loan and credit card with Clearview Fed CU because of an unpaid judgement on my TU report. (only baddie, over 4 years old and letting it age off). It seems like around my area (Pittsburgh) everyone only pulsl TU. My EQ and EX are clean. I've been rebuilding over the last year and have made major strives getting my score up. Does anyone know of any banks or CU that pull EQ or EX in Pgh, PA area? I don't want to get a CFL but I feel this may be my only shot getting this loan (looking for roughly $5000) I get those preapproved CITI Financial letters all the time but I read on here they should be avoided at all costs. I need this loan to pay off a student loan and ahigh interest credit card. Thanks in advance!!!
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09-09-2009
07:11 AM
yes I did send them a restrictive endorsement. I'll try my luck with the DV. Thanks
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09-09-2009
06:54 AM
Keep in mind, this was pre-forums days. In July I pulled my annual credit report and noticed I had one legit collection for Columbia Gas $428, CBT is the reporting CA. I called them who said couldn't help me and they told me they sold this account off but wouldn't tell me who. I called the OC who said CBCS now handled the account and they gave me a correspondence address. I send a check (which they cashed) with a PFD letter because I just wanted to pay this off. As of 9/2 TU shows Alliance One now is reporting this account (unpaid - activity date 8/09). I obviously want this deleted off my report, should I DV Alliance one? Where do I begin? Thanks in advance for your help!! Message Edited by Sean28 on 09-09-2009 10:07 AM
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08-29-2009
03:57 PM
Thanks for the tips, I'll try to go the buy and return route to increase CLI. 45% Util is way too high, I know. I do pay over the min but not by much. I know they're making a ton off interest (think its 22.9%!!!).
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08-28-2009
11:24 AM
Hi, I have a Jared card with a CL $5000 bal $2240. I called and asked for a CLI and they said I can only request in store. I would like to up my CL for Util reasons ONLY and don't really want to purchase anything (or feel obligated to do so). I bought engagement/wedding rings their a year ago. Should I say the marriage didn't work out and need more credit? lol. Has anyone encountered this situation before? As always, any advice is appreciated. TU 625 "Don't let what you cannot do interfere with what you can do" -- John Wooden
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08-28-2009
10:56 AM
Hi, I have a 30 day late payment on my CR with Orchard Bank that occured 2 1/2 years ago. I've never missed a payment other then this one. I honestly don't remember being late but I wasn't nearly on top of my bills as I am today. I called (via backdoor#) to see if he can change it to an on time payment, the rep said he would like to help but only obligated to report the last 2 years and there is nothing he can do and was shocked that this showed on my report because of the age. Can I do anthing about this? I would like to get this removed if possible. Any advice is appreciated.
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08-27-2009
11:27 AM
Hi all, Let me first say that I've learned so much by reading the forums over the past 2 weeks or so. I am currently rebuilding my credit and purchased the quarterly monitoring from MyFico so I can better keep track of my progress. Llecs, Barry, etc.. you guys are genies in a bottle!! My goal is 700 in 1 1/2 years. I'm currently at 625 with TU. I made some major mistakes (repo, judgement, collections) in my youth and have been paying for them ever since. I was hoping for some direction and advice. 1) I have one collection (dofd 6/06 paid 8/09) and one public record (date filed 10/05). The public record is for $4000.00 and because of the age, I'll just bite the bullet on this one and wait for it to drop off. My TU reports for my collection says AllianceOne , I called them and they had no record of me. I callled the OC (Columbia Gas of PA) and said they now show CBCS now owns the debt. I stupidly paid them before asking for PFD. I sent a GW for a removal the other day and crossing my fingers they oblige. Should I be concerned TU reports as Alliance One? 2) I'm trying to increase my CL to speed up lowering my util while paying my debt down of course. Currently have 2 Orchard Bank cards (combined CL of % 1,100). I've been a cardholder since 2006 and they have always been stingy with their CLI. I have a Jared card with a $5000 CL. I called for a CLI and said I have to come in store for that request. Anyone ever hear of that before? Should i say I want to make a major purchase? I got married last year and bought the rings there. I currently have 2240 balance on my card. Should i say the marriage didnt' work and need another ring? lol 3) My monitoring tab shows 3 negative items but only have 1 collection and 1 public record. Should i be concerned? 4) I have one 30 day late payment 2 1/2 years ago and it says its "a recently missed payment" How is that so? its listed 4th on my negative impact side so figured it can't be hurting me that much. I spoke with a rep (via backdoor#) and was told they are only obligated to report last 2 years and he couldn't help me. I sent a GW to see if they can remove that. Sorry for the lenghy post, Any help is appreciated!! TU 625 "Don't let what you cannot do interfere with what you can do" -- John Wooden
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