Reply
Frequent Contributor
DickC
Posts: 260
Registered: ‎05-21-2009

Re: Hsbc/Mnrds Please Help. Need Strong Advice.

To the OP:  Just wondering something. You mentioned that the lady gave you the card and asked you to buy the things you needed to do the job. Did you actually go to the store, buy the things needed, use the card and sign the sales slip?

New Member
Malavak
Posts: 8
Registered: ‎01-04-2010

Re: Hsbc/Mnrds Please Help. Need Strong Advice.

Yes. I went to her house. She was supposed to have the money for me to get the supplys. She didnt. She then stated for me to come back in 2 weeks when she got paid. Instead she called Menards and got me my own card under her account as a AU to get the repairs. Yes i signed the sales slip.
Valued Contributor
casinoannie97
Posts: 1,989
Registered: ‎08-17-2007

Re: Hsbc/Mnrds Please Help. Need Strong Advice.

it would be cheaper to use dispute action.

 

Did she own the house?

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Hsbc/Mnrds Please Help. Need Strong Advice.

If the OP is an AU on the TL and the TL is reporting him as an AU they are reporting correctly. The dispute will be closed without resolving the problem. The TL could be removed via dispute only after OP is off the account as an AU.
Valued Contributor
Jazzzy
Posts: 2,678
Registered: ‎07-29-2009

Re: Hsbc/Mnrds Please Help. Need Strong Advice.


creditwherecreditisdue wrote:
If the OP is an AU on the TL and the TL is reporting him as an AU they are reporting correctly. The dispute will be closed without resolving the problem. The TL could be removed via dispute only after OP is off the account as an AU.

I agree. You can dispute with the credit bureau, but the account will simply report again next month. This needs to be fixed at the point of the creditor...the one who is doing the monthly reporting. Right now, there is nothing to dispute with the credit bureau because they are reporting correct information.

Valued Contributor
casinoannie97
Posts: 1,989
Registered: ‎08-17-2007

Re: Hsbc/Mnrds Please Help. Need Strong Advice.

[ Edited ]
they helped me by talking to the reporting source (creditor) 

and then they removed it.
Message Edited by casinoannie97 on 01-06-2010 09:04 AM

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+