Tschanen

I have an old 7/03 charge off account from sears. It is scheduled to be removed from EQ in july. It is not reporting on TU or EX anymore. I disputed this account with EQ in 11/09 because I feel that it is reporting incorrectly and should have been removed earlier like the other two CRA's, unfortunately, it came back verified and my DOFD was changed from 2002 to 2003. I actually paid the full debt I owed to sears in 2005, so technically I wouldn't think it is a charge-off anymore, but what do I know? Anyways, I know I only have to wait til July but I am planning on getting a mortgage soon, and am planning on EQ being my middle score. Should I bother disputing this again? If so would my best bet be an online dispute or CMRR? Thanks so much. I have learned a lot from these boards! Also wondering if anyone could tell me if I could expect much of a score change when this gets deleted. I opened it 1999, so if I am correct, it will hurt when it comes to AAOA, correct? But, it has 40 late payments tied to it...yikes, and that's a red flagger on my myFICO report. TIA

Your post made me chuckle congrats to you my friend.

Just trying to get my letters around to send to CA. Should I send it to the reporting address on my EQ report, even though I know it is a "bogus" address?

If it was me I would forget about the verifying and simply Jack attack the H* out of it!! Pick apart every little piece of the tradeline!! Good luck!

Yeah, that's a bit confusing, I haven't seen anybody saying that. Here's the link, it hasn't been edited to say you shouldn't write it differently. Ok then let me ask you guys something. . .does it matter how italic the lettering is? Mine is like arial and only slightly italic and dark purple on blue background. Would this still work? Or do I need to make it more italic and truly match the font color to the stationary color? I think that will be fine. Your goal is to have an actual person reading it. I think your mission has been accomplished. Good luck! Let us know your results!!

+1..exactly what I did

seems like there is no consistency whatsoever when it comes to getting this card. I will keep it for 1 year and then ditch it when AF comes up. I did end up callin..no help at all...and the CSR was very rude.

I wouldn't say "everyone". I have just use this..yellow paper, purple italiac font, on pre-hippa only. worked beautifully

I have tried to contact this CA by mail one other time about this account and my letter was returned to me. I used the same address that was on my EQ report. However, EX has a different address showing. My question~ should I send the EQ letter to the "bogus" address on report, and possibly get it returned again, or should I use the EX address when sending the EQ letter to CA?Thanks Why chat...BTW~ do you have any idea why this could have happened? I feel like I screwed up my report even more. It's my last darn CO on EQ and was NEVER put in any BK. Matter of fact, all they had to do was look at the dates and even a moron could tell that it is impossible to have been included. I am so frustrated!!

Oh..and before you ask..I opted out, deleted addresses...followed Hippa to the T. I have used it on quite afew occasions and have had great succes. (Except with EX ) However, I know I messed up with paying the OC the way I did. It will never happen again!!

I had a CO on my CR for $81. I paid the OC and disputed via the Hippa process. I paid the OC but did not do it the proper way (ie Hippa insert etc. Dumb me) Anyways.... TU deleted, EQ updated as IIB!! WHAT?! I did file BK in Sept 07 but this CO was from 2/09. Obviously they have not verified anything!! I am getting so frustrated!! This is the second time I have disputed this account via the Hippa process. What am I supposed to do now? BTW~ this CO is ALSO reporting on EX as IIB from the begining. I paid the OC and then sent Hippa letter, still waiting for response from EX (the devil). Please please please help me...before I lose my mind.

They did this to me too

Do you think it would be worth my time to call and see if they would increase it? I really do not want this card now, I havent even activated it yet. How bad did the hard inquiry hurt?

OK...I applied for a Hooters MC in order to help repair my credit. I have read that it is a relatively "easy" card to get and is a strict TU puller, which is my highest FICO (679..as of 1 week ago<<---myFico score). Anyways...I got my card in the mail yesterday..$300 flipping dollars and a $48 AF. WTH!!! I have read and read forums and most people with scores close to mine and even less were getting at least $1000-$1500 with NO AF!! I am so mad right now! Any suggestions on what I should do? I'm not sure why I got a crappy limit like that, not to mention a bogus AF. My TU credit report looks like this: BK (9-07) & 3 IIB accounts, all coming off in 2013. NO collections! I have 1 installment loan and 2 CC's with no lates, always PIF and NEVER over 25% uti. All are roughly 8 months old. Just looking to plant my credit garden so next May I can get a mortgage...

Congratulations!! I know Hooters is a strictly TU puller