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where to start?

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Junejer
Moderator Emeritus

Re: where to start?



@Anonymous wrote:
what does mailing a letter CMRRR do for me?


Gives you evidence that it was signed for, therefore, CA can't claim they didn't get it. If you need to dispute with CRAs, you can send a copy of both the cert. mail receipt and green card as your evidence of them not validating.






Starting Score: 469
Current Score: 849
Goal Score: 850

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Message 11 of 15
Anonymous
Not applicable

Re: where to start?

Can I dispute about a student loan being mentioned on my CR twice, i.e. sallie mae having sold the debt to usa funds?

On the positive side, I had two 60 day lates deleted from my credit union overdraft protection thanks to a polite GW letter!
Message 12 of 15
Anonymous
Not applicable

Re: where to start?

Good news,
the deletion by my credit union of my past dues has leaped my Equifax Fico 60 points!
I sent them a very gracious thank you letter, email, and tomorrow I'll call. I had no idea of the affect those had.

Now I just need to get my collection reports off and I might start breaking 700.

Message Edited by chadb on 02-10-2008 03:46 PM
Message 13 of 15
modernsurrender
Established Contributor

Re: where to start?

Way to go! Congrats Smiley Happy
Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Message 14 of 15
Anonymous
Not applicable

Re: where to start?

Wow,
I got home today and there was an email from Orchard Bank inviting me to apply for an Orchard Bank Mastercard. I did the preapproval application and was offered a Mastercard Gold with either a $39 annual fee and 18.9% APR or a MasterCard Gold with a $49 annual fee and 8.9% APR. Both had a $19 application fee. Ultimately I chose the lower APR because I plan to carry a small balance and I figured that eventually I could perhaps convince them to waive the fee in one way or another.

Has anyone else been offered these choices?

Chad
Message 15 of 15
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