Hi All,
First, thanks to Tuscani and Hauling for everything -- I have learned so much here in the forums. You are turning lives around. I lost my job in April and started interviewing but realized after 10 years at one place credit review for employment is now different. 1 collection with Best Services, paid but they are trying to collect charges and fees, I have hired a lawyer and am ready to do battle after all this is my life - no job, car paid for, no issue with house. Scores in high 500s but I need to get over the hump. Paid tax lien. 2 Accounts w/ Cap One charging interest of 200 a month, but when I call they will not acknowledge that I the account exists yet they continue charges. I know the Pres. of Cap One banking and wrote her but nothing after a week. The other is Best Services - paid collection, they are still charging interest. Aren't they breaking FCRA state and federal? I am in Calif. Anyway I need to work and have to get my report in the best shape possible and have a lawyer write a note before background check - remember I am in banking. I so appreciate any advice you have.
Starting Score: 700
Do you have any positive TL's reporting??
Hi and thanks for responding. Yes I do - I am trying to matrix all. My main concern is Cap One - I have called every number from these forums that has been suggested but Cap One can't find my account but on all credit reports, the Salt Lake City is listed. I have followed FCRA here and tried to force CRAS to provide accurate phone number and address but nothing so I have hired a lawyer - [edited! - Please do not post personal information about yourself or another person, including full names, in the forums] (case heavy though) and hopefully [edited!] to help. Cap One people -- are impossible - boggles the mind. I am going completely by the book here and paying off and getting everything down to utilization of less than 10% - which is what [edited!] recommended. Funny I never read that in any other book.
In another week I am going to get a secured card with Navy Federal where I am a member and CD to help gain a profile there. I have also had difficulty getting TransUnion and Equifax to be consistent in reporting credit limits (auto loan which I am just paying off next week - $30,652 borrowed in 2002 to $0)
- How much does NOT reporting a credit limit impact your score?
- How can I get Cap One to respond? There are enough cases to reference certainly.
- Orchard Bank $0
- First Premier $0
- AMEX - from years and years ago - don't touch it - $0 - since 1998
- State Dept. FCU Auto Loan - $461.00 from $30,652 - 6 lates
- State Dept FCU Money Line - $1,700 - maximum on Line - $7,000.00 - 3 lates since 2002
- State Dept FCU MasterCard/State Dept. Closed it after a 3rd late, I am trying desparately to get them to reopn - by writing to all Board Members, showing them my interview schedule for jobs etc. and my matrix on next steps for credit improvement. I have been a member since 1990 so I hope that appeal helps. $6,750 - $800.00 to go have not missed any payments even though it is closed since they closed it in 2004 - opened in 2002.
So now I know and I am absolutely vigilant about this.
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