Hello all,   Would someone please be so kind as to pm me with the contact email for HSBC?  I've been looking for ever for a contact.  Thanks, and everyone have a great weekend! ... View more

Hello idream4success,   I don't mean to go way off topic here, but I just love your siggy "City Of Brotherly Love....and choke artist sports teams"  It couldn't be more true...I am an Eagles fan thru & thru (a nice one, tho) but they are making me really really mad.  I don't live in the area anymore (from South Jersey) but I heard that there might be talks of the Eagles landing John Gruden...any truth to that (that you know of)? ... View more

@LS2982 wrote: I have an acct. almost 10 yrs ago in default and i was denied recently. Am I on their list forever? Hello,   Have you paid? I had a Citi Platinum Select that charged off 7-8 yrs ago, never went to an outside CA, and in 2010 I called them to ask if I paid would they reopen the account.  The told me they could not do that, but other ppl have gotten cards after a chargeoff was paid.  So, I paid the balance $800 and I'm just waiting for my scores to get back up there, and hopefully I will be able to qualify for the Thank You card..thats the star I'm aimin for.  Good Luck!! ... View more

Thanks for the replies guys.  Just one question for you Mustanglvr2006..your score in March 2010 was 583,and now they are very close to 800..I am in awe!! Would you mind sharing what you did to raise your scores so quickly and what your portfolio includes now? Thanks ... View more

So...I logged in to TU to check dispute results on another account, and both CA's are gone!! I'm not sure why since according to TU they were not supposed to fall off until 2015 and I hadn't disputed anything with them yet.  I'll check the other 2 and continue to watch all 3 to see if anything new happens.  Thanks again for all of oyur replies! ... View more

@RobertEG wrote: Ownerhsip of the debt is not a prerequisite for reporting collection authority.  Debt collectors are authorized to collect on debt owned by another as well as themselves.   If CA1 ever had collection authority, they can report it.  When they report it is not restricted.  What they report can only be authority that they had, and when they do report it, they must accurately report its current status.  So if CA1 had its collection authority terminated, either by the current owner of the debt, or by their sale of the debt to another debt collector, they are not prohibited from reporting it after they no longer have collection authority.  Of course, in a practical sense, they dont usually take the time because they would have to report an open collection as of the date they received collection authority, but also report that it concurrently as now closed, with a $0 authorized collection amount.  Kinda useless on their part.  It appears that, for the most part, debt collectors dont intitiate reporting for the first time to a CRA once they no longer have collection authority.  But there is no basis for disputing the accurate of such reporting if they choose to do so.   If a new CA then reports, the statute does not compel any deletion by a former debt collector.  It requires the first debt collector to update their collection to closed status with $0 debt under collection.  So I am unsure of what you are asserting as a basis for inaccurate reporting??? I am not saying that there is inaccurate reporting. I am asking if 2 ca's can report on the same debt at the same time.  Based on the line items I posted and what you are saying, it seems as if CA #1 ACC is reporting inaccurately because they are not reporting as closed, a $0 balance and sold/transfered.  Is it even possible for CA # 1 to still have any authority if the same debt is also being reported by CA #2?  Thanks for your reply. ... View more

ACC, LLC 921 OAK ST SCRANTON , PA 18508-1235 (866) 760-6205  Balance:  $213   Date Updated:  06/2009   Original Balance:  $1,042  Original Creditor:  07 PENN FOSTER  Past Due:  >$213<  Pay Status:  >Collection Account<   Account Type:  Open Account   Responsibility:  Individual Account     Loan Type: Collection Agency Attorney Remark:  >Placed for collection< Date placed for collection: [ 10/2008]  Estimated date that this item will be removed:   04/2015   USCB CORPORATION 101 HARRISON STREE ARCHBALD , PA 18403 (570) 876-6309  Balance:  $214   Date Updated:  06/2011   Original Balance:  $214  Original Creditor:  01 PENN FOSTER SCHOOL  Past Due:  >$214<  Pay Status:  >Collection Account<   Account Type:  Open Account   Responsibility:  Individual Account     Loan Type: Collection Agency Attorney Remark:  >Placed for collection< Date placed for collection: [ 02/2010]  Estimated date that this item will be removed:   03/2015   Hi Lightnin!   I just copied and pasted from my TU report, but both are reporting to all 3.  I never thought about going to the BBB.  I wonder now if its too late.  I truely believe that I am not responsible, but I will pay if that means I can get this off my cr.  Thanks ... View more

"If a new debt collector acquires collection authority, they can report it.  So, yes, it is possible for two debt collectors to have separately reported their collection activities at different times.  However, you cannot have two debt collectors simultaneously reporting concurrent collection.  Date close on a first collection opens the door for a date opened of a second collection."   Thanks for the reply.  I'm just a little confused.  Are you saying that the 1st ca(ACC) can't report as a open account since they transferred/sold the debt to the 2nd ca (USCB)?  It seem thats how it is.  On my cr, it does not say that the ACC account was sold, transfered, etc by another party.  If thats the case, would you know how would I dispute this? Thanks again. ... View more

Hello,   Would you mind pm'ing me the contact info that you used as well?  Thanks a bunch! ... View more

I have 2 ultimate CC's    #1 Chase Saphire card..this card will be joint w/ DH..we will use for household(home improvements, repairs, etc.) purchases.  Since this will be a joint card there will be no personal spending on it.   #2 Citi Thank you preferred card...This will be my personal card..I will use it to treat myself to things. ... View more

@Anonymous wrote: Capitol One: 11-01 to 11/02  CL$100 closed. Chase:05/01 to 12/01 CL $600 closed. HSBC LEVITZ: 06/01 to 10/03 cL $3000 closed. Wahsington Mutual Finance: 09/01 to12/01 closed ... All of these show good standing. I have one judgement that's due to fall off in 2014 for $2133.  I have zero debt and a Fraud Alert on all three. I applied for Citi Forward and was approved for $1200 and Capitol One /approved $500. These are the only cards that I have. I am an umemployed student. How can I get my score into the 800's. Should I apply for more or will build history with these.   Hello,     Even tho the closed accounts are currently in good standing, were they charged off? Is the judgement paid? If I were you, I would wait until I had a job before I app'd for any more cards.  #1~too many inq can get you denied, #2~You don't want to potentially get yourself into debt because you don't have a job to pay your cards, and then getting the cards to build your credit would have been done for nothing.  If you can keep up with the payments for the cards that you have now and keep your util at no more than 30%, you will be building a great history.  You will reach 800.  It might not be untill after the judgement falls off, tho, and if I'm not mistaken, a judgement may fall off of your cr, but I don't think it has a statute of limitations so they can come after you at any time.   Patience and time my friend...patience and time.   Good Luck!!       Trans Union: 759 Fako Equifax: 655 Fico Experian: 732         ... View more

@Anonymous wrote: Awesome rate! I was considering getting the same vehicle myself. I was wondering if you put any down payment and what the length of your credit history was (average age of accounts). My score if fine (650's) but my car loan is only car loan is about 2 yrs old and I have only 2 cc's....one that is about 16mos and the other is 8mos. All 3 accts have positive payments. I was hoping that with a nice down payment they would overlook the short length of history. What was your experience? @ARE you talking to me?  I put down $2500 when I initially bought the car, and the dealership gave me $2000 in incentives.  My oldest positive acct is 4 yrs old and the newest is 1 month old...1-2 accts each year since 2006, so my aa is probably 1.5-2 yrs old.  Are you in NC?  State employee or have a immediate relative who is a state employee?  SECU is great to work with.  I think you would be fine.  as I stated in my post, they don't look @ your score..just whats in your file...I just had to prove that a judgement has been paid, I had to explain how my credit got the way it did, and I guess they wanted to see progress...no other baddies, late, etc since 2006.  If you are in NC and are already a member, you can just go to your local branch and apply.  Since they do not take your fico score into consideration, as long as you qualify, you get the same rate as everyone else.  thats 5.25% if you don't do payroll deduction or have an account with them that they can auto draft from, otherwise its 4.75%.  Good luck!! ... View more

APPROVING BANK: NC State Employees Credit Union BUREAU PULLED: EQ CREDIT SCORE: 591, but they did not take my score into consideration. CUSTOMER STATE OF RESIDENCE: NC NEW/USED: New/Refinance YEAR OF VEHICLE: 2010 MAKE: Nissan MODEL: Sentra MILEAGE: 5580  RETAIL/LEASE: AMOUNT OF LOAN: $15430.87 TERM CONTRACTED: 72 mos APR/LEASE RATE:4.75%  MONTHLY PAYMENT:$250  MISCELLANEOUS COMMENTARY: I bought this car brand new in September 2010, and financed thru cap 1 @ 13.89%(with a cosigner), payment was $330, and was able to refi @ 4.75%(in my name only).  This CU does not use a credit score to qualify..just whats in the file..I had to prove that a judgement on in credit report was paid, and all my other baddies are paid.  All open tradelines are paid as aggreed, and never late or over the limit. I also had to give a letter of explanation as to why my credit got the way it did.  I also got a small personal loan to pay my cc debt and some other small bills ($5000).  The car payment is $250 monthly, but I opted to pay biweekly, so I will be paying $115 every 2 weeks.  Between the new car payments and the loan, I will be saving an average of $240 each month.  I also opted for a 72 month term while I am in school.  I will be done way before the 72 mos is up, so after I graduate and become a registered nurse, I can make the extra payments to pay it off faster.  I am so thankful for what I learned here on the fico forums.  Messing up my credit and have to rebuild has been no doubt the hardest lesson I've had to learn in my 31 years on this earth, but it is a lesson well learned, and I hope to never been in this situation ever again!!  ... View more

$3000 amounts to 20%..I'm not looking to spend any more than $15K .  I was told by my mechanic that it would make no sense to fix my car at this point because a new part might cause more problems.  I am having engine problems and he said that just even getting a new spark plug might cause the engine to crack...He compared it to the body rejecting an organ after a transplant.   Whether its true, or not, I'm not sure, but I have had this car for 9 years and I have 3 children, so its time for a new car with a little more room. I was just tryin to see if I might have any luck with other lenders...the credit union will only report to EQ and I would really like a lender that can report to all 3, but I guess beggars can't be choosers huh...I will take what I can get... I will just stick with my credit union.  Thanks for the replies. ... View more

@LynetteM wrote: Congratulations!   OK...I have to ask...were you able to qualify with your present scores? Or, were they a bit higher when you went through underwriting? OK..my scores are not quite there yet, so DH was able to go it alone...His scores were TU 652, EQ 630, and EX 617 at the time of credit check. ... View more

@Anonymous wrote: @nmorton79 wrote: Good evening!!!    I just wanted to anounce that DH and I have closed!!!  Everything was final on 3/31...2200 SQ feet 4 bed, 2.5 baths with a HUGE bonus room.  Got a 5% 30 yr fixed rate...I am so happy I can hardly contain myself!!  Many thanx and cudo's to everyone here on myfico..I don't post alot, but I am constantly reading posts here..according to my account I have read over 68,000 posts..I have taken a lot of excellant information and used it to help make it to 3/31..I just hope that I can pay it forward and and help someone else achieve their goal of homeownership just as you all have helped me. THANK YOU!!!!     congrats to you, can't wait to send the same e-mail..... could you please give me a time line...... how long did the credit check, submission to underwriting take?  once approved, how long did it take to close?    Did they run another credit check before closing?   lots of questions.....sorry.  quesstions are ok, so no worries!!!   credit check on 2/4/2010, made offer on 2/17, got automated approval, had to have 2 disputes taken off of DH'd credit, final dispute removed from TUon 3/26, got paperwork done just in time to close on 3/31.  They said thet would not run DH's credit before closing, but they did on 3/29..but I guess we were good to go because we closed.. ... View more

Hello there,   I am no expert, but I will tell you about the process we went through...I believe the general rule is 24 mos.  of continuous over time pay is averaged and added to current base pay.  DH has both overtime and shift differential with his job every month.  (We have been pre approved, and are set to close on 3/31).  We live in NC, and the state payroll coverted to a new payroll system in April 2008(DH is a state employee).  Our LO contacted the state for verification of employment and income, and because of the payroll conversion, our LO was only given income verification for April 2008 thru Feb. 2010, and for whatever reason, the state couldn't get income records before than.  So our LO calculated OT for the 20 months prior to Feb. 2010.  I don't know how many mortgage lenders will take less than 24 months, but may be possible.  You might want to talk to your LO and see what they say.  If you are wanting your OT to count, and your current LO can't count it, talk to more lenders and see if they can help.  Good Luck!!! ... View more

@Anonymous wrote: Classic story. Kid in college. Kid with 20 cards. Kid in collections. Adult trying to fix mistakes from being a kid.   I started with the credit reports (paid for), credit monitoring, reading thread after thread on myFICO, trying to decipher all the abbreviations.   I'm now crying in a corner rocking myself to sleep. I can't figure out what to do, if what I've already done is helpful or harmful, if I should contact a professional to help me fix my credit, or if I should just take a big gasp of air from this paper bag and try to breathe.   Advice? I can't be the only one who's felt this way. This place has a wealth of knowledge, but I don't think I'm guiding myselfl in a proper way to utilize that knowledge in a positive way. HELP!   Welcome!!!  You are definately in the right place for help!!!  There is no judgement here (or at least there shouldn't be).  Probably about 99% of us are here because we have credit problems.  Some situations are more severe than others, but it is something that you WILL come back from.  It takes time, but YOU CAN DO THIS!!!  When I first started, my score was 401.  My scores are now in the mid 500's to low 600's(although they could be much higher if I was more diligant about working onmy credit)..My husbands score started at 500...his scores are now in the mid to upper 600's he is getting ready to close on our first home.  So it can be done.  This has no doubt been the hardest lesson I have had to learn, as it probably was for many other posters here on myfico.  But you are in the right place.  Ask lots of questions.  Don't feel embarassed or ashamed.  We have all been there, and we are all more than happy to help each other, or we wouldn't be here either.  Best of luck to you.  YOU GOT THIS!!!! ... View more

DH and I are from NJ, and he had 2 accounts go to them-ATT wireless and Littman Jewelers.  Unfortunately when we moved we never heard from the OC or any CA's again about those account.  We found out about pressler and pressler after they sued and won judgements.  So if you can, try to get settled with them asap, because they will sue.  (thankfully we were able to pay everything off, and the judgements never showed up on DH's credit reports).  Good luck!! ... View more

I initially applied with my own ssn to cap one auto, but they denied and app was sent to roadloans.  Carmax called me w/ approval from roadloans but I would need to put money down, which I really don't have because this was so unexpected, and the money  that I do have is going to the down payment for our house, and other things that have to do with the house.  When I told the sales person that I don't have extra to put down, he said that he would submit my info to other lenders to see what could be done, and thats when I rolled out DH's ssn instead of mine.  As soon as we realized the mistake, than we quickly re did everything with my ssn, and found that everyone wanted money down..So I'm waiting until after closing, my cc util. goes down, and I build my savings back up before I app again.  I have to take about $300 from my house fund to fix my car, but thats way better than needing $3k or $5k to put down.  My main thing now is to get those inq.'s off DH'c credit before it poses a problem.  They were truely a mistake and he did not authorize any of them.  Thanks for the reply.  ... View more

  @CKinNC wrote: I don't know about your situation or where you are looking, but my sister-in-law and brother-in-law just signed on a house in Knightdale. It's a new house in the Churchill subdivision and they were able to get 100% financing (and a really great interest rate - less than 5%) with USDA financing. That's the only area that I'm aware of that falls in the USDA guidelines around here, so I thought I'd mention it. Thanks for the info.  We currently live and are looking to buy in SE Raleigh...at  one point there were 2 or 3 USDA properties in the area, but not these days.  We just had our offer accepted on a 4 yr old home in the Tryon Place development which is litterally like 50 feet from Garner city limits.  That area is perfect for us because its super close to both of our jobs and grandma and grandpa..Knightdale is a very nice up and coming area..too bad DH wouldn't be willing to leave Raleigh city limits... ... View more