Yep I am Back and broke again..

[Anonymous]

Couldn't afford my credit scores this month.. But anyway here is a strange note.. Only 1 collection account still onmy credit report  $ 141.00 from 4 years ago... I have my 9700.00 truck note an have not missed a payment in 4 months ... I have had my cap one card 1500 limit .. But it is maxed out.. I have a gap and old navy at about 60%..

Now you would figure the reason for any credit denial with a last months score of around 670.. TU.

would be because of high use of credit...

WRONG.... I was turned down by Wal-Mart once again and the reason was the stupid **bleep** 141.00 from 4 years ago... What is wrong with these people ...  If for any reason it should be my debt to to income or something other crazy stuff like credit experience from 9 years ago or we just dont like you..  I did however get an honest answer from citibank they said I did not fit their criteria... Dont get me started..

I think creditors are just like me in my business either you like your customers are you dont... What a sucky credit system we have in the USA...  I think I am just going to tear up all my credit cards and go back to paying cash for everything ....

[Anonymous]

I think I'd just pay the $141.00. This one, small, ca is wrecking havoc. 

[Anonymous]

I agree, but see if you can PFD first.

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cobra19 wrote:

I think I'd just pay the $141.00. This one, small, ca is wrecking havoc. 

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[fishbjc]

Is this $141 a legitimate debt?  If so...why aren't you paying this?  Try to get this PFD!!!!! 

[llecs]

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fishbjc wrote:

Is this $141 a legitimate debt?  If so...why aren't you paying this?  Try to get this PFD!!!!! 

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Be sure to DV first.

[Anonymous]

Ok the 141.00 is killing me .. So I called the Original Creditor , the I called the CA and it was transferred to another CA.. They all tell me it is against the law for them to remove this even if I pay it in full... I was on the phone for 3 hours the other day.. So when I finally got hold of the supervisor he told me if I paid this 141.00 he would show it paid late on my CR but it would stay on there for 7 years ... So I got pissed and told him I was billing them for 3 hours of my time and if they didnt pay this bill I would report them and see how they liked it... God stupid hospitol bills , and I dont even think its mine.. Gee 141.00 dollars Heck now I know if I ever get sick for any reason I would be better off dieing ...

Also something else that bothers me is when I apply for credit.. Lets see I have a truck note  paid as agreed  ( 9000.00 ) dollars left to pay .. Cap One card 1500.00 limit  paid as agreed, Student Loan (3200.00 ) Paid as agreed. Gap Card ( 400.00 ) Paid as agreed Old Navy Card (300) Paid as agreed .. and 141. 00 Derogatory..

My score a few months back was 632...thru TU

Now When I applied for a walmart card the other day and a fuel card this is what I was told ..

Too high balance on card

Past delinquent accounts

to0 many inquires

One even said negative personal or deragatory on my credit..

Well one day when wal mart finally gives me a card I am thinking just tear it up and send it back..

I guess when I come up with a few bucks in a couple of weeks I will buy my TU score just to see where I am ...

[haulingthescoreup]

bevy, if this is a medical collection, have you followed the HIPAA process posted over on RYC that fused and HappyDays posted recently? Sorry, I'm not on that board that often, and you might have a dozen threads going over there, but medical collections are different beasts, and for many cases, there are proven methods for getting them legitimately removed.

Also, do remember that the reasons that people give for declines are frequently not the real reasons. I think myself that they use a dartboard to pick one.


edit to clarify, sorry: RYC = Rebuilding Your Credit board

Message Edited by haulingthescoreup on 10-04-2008 07:22 AM

[Anonymous]

Well worse to worse.. I went to buy some tires for my truck the other day at firestone.. they ran transunion and got denied.. score was 647...  So i called TU and they said there was a freeze on my TU account.. I didnt do this and they said I did .. thus the reason for all the denials I guess.. So to make matters worse I call firestone back and tell the what happened and they said I need to wait 3 months before I re apply... Also TU has my debt to income ratio all wrong..  I make around 5 times what they say... So I got the freeze lifted then went to wal-mart and was denied for credit to get tires there.. I did dispute the medical collection again though..What is so funny to me is with a 630 TU score I bought a 10,000 dollar truck @14% and make perfect payments but with a higher score I cant buy 600.00 worth of tires to go on it... Our credit and lending people are so screwy... So now I have added Firestone to my backlist.. One day they will wont to give me credit and guess what... Well anyway just to be a butt about the whole situation I bought some new Wrangler A/T tires on my Cap One Card..at Gateway and had a wonderful time riding back and forth thru the parking lot at firestone..  What gives with these people ... I have a perfect never late payment record on my credit , just got to get that 141.00 med collection off from ike 2003..

[Junejer]

Hey bevy, glad it all worked out for you. TU does not know what you make, whether it's $10,000 or $100,000. There is something else the matter.

[laz98]

your scores are better than mine!