Reply
Frequent Contributor
Posts: 356
Registered: ‎10-10-2007
0

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

I'm so close to having clean reports I can taste it, and I HATE Wells Fargo for denying me this credit victory by being inflexible jerks.  I have some nearly 6 yo student loan lates that I have been trying to goodwill with them for over a year.  The loans have since been paid off, and I would never do business with them again so I have no leverage to say "c'mon do this for me, i've been a good girl to you since then." 
 
The latest response to my goodwill request was to say that my lates were legitimate and verifiable (duh!) and that any further "disputes" by me would be considered frivolous and would go unanswered.  Bastids!  We'll see about that!  They told me something similiar once before, and I waited a few months to goodwill them again, and I received a response albeit an unsatisfactory one.  Maybe I can wear them down or catch them in a weak moment??
 
This a poorly run, second rate institution, and I don't know why I even bother... oh yes, I do.  I want clean reports, darnit!!!
 
Wells Fargo is on my permanent Blacklist!!!
FICO: 8/08 - TU 718; EQ 702; EX 733 (Bonafide 700 club member!)
Next goal: 750s across the board!!
Regular Contributor
Posts: 184
Registered: ‎03-04-2008
0

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

RBS, or Royal Bank of Scotland.
New Contributor
Posts: 69
Registered: ‎07-15-2008
0

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

I have blacklisted US Bank.  I got private student loans from them for the first two years of law school and on my last and final year they denied my application and that was even with a co-signer!  They said that they changed how they approve people and that even with a co-signer the orginial borrower has to pass thier credit check...THAT'S WHY I HAD A CO-SIGNER!!!  Anyways...I went to a different lender and was approved without a co-signer.  I will no longer do any business with US Bank.  It kills me to even pay my monthly payment knowing they are getting money.
Regular Contributor
Posts: 130
Registered: ‎03-25-2008
0

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

Here is my black list
first premier
credit one bank after i close the account next month
first savings credit card
i have some cc with hsbc not going to close for now but will no get new credit from then
Valued Member
Posts: 40
Registered: ‎05-20-2008
0

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

Capital One. Forever.
Ficos 8/23/08: EX 805, EQ 774, TU 768
Ficos 1/6/09: Ex 813, Eq 779, TU 770
Established Member
Posts: 19
Registered: ‎06-23-2007
0

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

cibc was on my black list. $153 in bank fees with 24 months of no payments @$14 a month. i changed my mind when they removed the baddie from credit reports. all i wanted was the correct date of last activity corrected on transunion and they removed it. solving the problem. fall off was to be june 2010.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.