ryllz75

thank you for the tap on the back!!! Can anyone provide some answers to my questions?? Also are CC issuers solely reliant on the FICO scores? So a situation like mine with low score (628) BUT clean report will not really matter in getting them to issue me a card? Looking for a Visa.MC with a High Limit that pulls EQ any ideas?

Logged in to Truecredit and looks like TU and EQ both deleted some disputes I made. TU deleted an old charge-off from FCNB/Mastertrust and EQ deleted a charge off from Plains Commerce Bank from 2004!! WOOHOO!!!! So Negatives left: -- EX - IS THE DEVIL!!! Still have the 1 Medical Collection from 8/06, BK7 PR 2003, PlainsCommerce 2004 and FCNB/Mastertrust 2000 ChargeOFFs . 25 INQ's Yikes no more Apps here! EVER!! -- TU - 1 Medical Collection from 8/06, BK7 PR 2003, and 1 charge off from Plains Commerce 2004. 6 Inq's. B* is working! -- EQ - ONLY 1 Medical Collection from 8/06 NO OTHER BADDIES or PR's!!!! WOOHOOO -- 15 Inq's B* is working slowly... 3 Questions for all my CB Family: 1. How come my Fico has not moved for EQ with Only 1 baddie with all this good progress. 12/1 EQ Fico = 628 Pulled again today due to excitement and it is STILL 628?? What gives?? 2. Utilization is about 35% cumulatively. However a couple cards are 70% of max. Does Fico compute Utilization for each card or is it cumulatively across all Credit lines?? 3. Do any of you know of any CC Issuers that may approve me using my EQ report? Will the likes of Chase, USAA, Penfed or any other CC's that pull EQ approve me?? Thank you all for everything so far!!

man i really feel for you.. and I am at a lost of words in DISBELIEF!!! I would prolly fly to their location and choke each one of them CSR's that you had dealt with if I was in your position!! LOL Sorry this happened to you!

Does AMEX still offer pre-approved CLI's or is it all just the form now? Has anyone gotten a preapproved CLI from them since this new short form started??

This is how I get to the OLD View Report again option: First page go all the way to the bottom and click on "DISPUTES" 2ND PAGE: Look on left hand side and click on "REQUEST A DISPUTE ONLINE" then just login as you normally did before... hope this helps

bumping for the Night experts.. any thought on what Ishould do? Should I call the OC and see if they will PFD? It is not with any CA's yet and first CO was around May 2005. Do I have any other options here? If this is common then why would it say: Account History: Charge Off as of Nov 2006, Jun 2005, May 2005 And why when they made the account updates did my Fico tanked? No other changes in EX! Also this is the only thing that changed with experian no other change and I went through an older report and a new report with a fine tooth comb! Yet my FICO score drop 20+ points!!???!

ANYONE???

Unfortunately I have no clue about the balance. I have no information at all about the account. I knew I had it at one point but I have no information on it anymore. What other options do I have to get this off? I am willing to pay it if need be. what are my options? In addition, I dont need to have AMEX see this on my report during their monthly AR's. I have good accounts now and I don't want to risk anything wrong happening to them. thanks again...

Sorry guys I am just so FRUSTRATED right now!! Been doing so good with the repair and now this account RE-AGED my freaking TL on ALL 3 CRA's!! How do I deal with this??? PLAINS COMMERCE BANK #XXXXXXXXXX - (APPEARS on ALL 3 reports still) Recent Balance: $489 as of 6/2005 <<- NOW THEY CHANGE THIS TO "11/2006"!! Date Updated: 08/2006 High Balance: $489 Credit Limit: $300 Past Due: >$489< Pay Status: Account charged off. $489 past due as of Nov 2006 <<-- THEY ADDED THIS FREAKING NOTATION!! MAKING IT SEEM LIKE A "NEW" CHARGEOFF!! Account Responsibility: Individual Account Date Opened: 03/2004 Reported Since: 05/2005 Date of Status: 05/2005 Last Reported:: 06/2005 <<- NOW THIS HAS BEEN CHANGED TO 11/2006Loan Type: Credit Card Remark: >Profit and loss write-off< Estimated date that this item will be removed: 03/2011 On Experian it also says: Account History: Charge Off as of Nov 2006, Jun 2005, May 2005 <<-How can theyCHARGE this off 3 freaking times???? They changed the dates to make it look like a NEW Charge OFF isnt this ILLEGAL??? They CO'd back in 6/2005 not this Freaking MONTH!! I did send a Certified dispute letter to all 3 CRA's last week saying that: "I have no account with this creditor with a balance of $489." What else can I do now?? MY scores TANKED because of this!! My Experian specially went down 20+ points!! HELP GUYS....any thoughts at all??? Thanks in advance!

Well in their own website it says that you can qualify to be a member by joining NSA. So it's not that there is a back door issue here. Their concern is mainly the surge in new members applying for Credit Products. So if anyone else is applying for a New Account with them point them back to their website by saying that based on your website I can qualify for a membership by joining NSA! It's their own doing..we just caught wind of it! ;-) Check this link from JFCU it clearly states on there at the bottom of the page: http://www.jfcu.org/join_howToJoin.asp

Does anyone kow if you have to have a Checking account with JFCU to get approve for their LOC? I was thinking of getting an LOC down the line when my EQ scores rebound a bit. If no checking is needed then how do you access the LOC??? Please let me know.

Woot!! Since I am just starting to rebuild thought I would take the safe route and just apply for the Visa Classic and I requested $3500 yesterday via the phone. Fax in paystub this morning and Grace already called me to tell me I was approved for what I had requested. Logged in online and sure enough its there! Now I think i'm going to ask them if they can bump me up to the platinum. Ever since my 2 AMEX accounts started to report on all 3 CRA's last week my EQ FICO took a nosedive to 604!!! ARRGGHHH How can my EQ be so low?? BK7 PR was removed! Only Negatives on there is a CO from Total Card from early '05 and a stupid medical collection that showed up a month before my BK7 fell off September '06. I have a feeling that as soon as I can remove that Medical CA my scores will shoot up to the stars!! EQ - 13 Positives 8 of them since July 2006 and 2 Negatives mentioned above. Also had 15 INQ's initially now I have 2 more from JFCU for a grand total of 17 INq's!! Gotta B them off Fast!! But nonetheless I am VERY grateful for the initial $3500 Classic Visa Approval!!

Tried to apply here but it won't let me enter my Annual Income. The whole field is missing. Instead of a field it contains an "A*" thats it. when I submit without income it comes back data error. anyone else have this issue? I did selct Individual and chose their Platinum Visa. Thoughts?

I am sending dispute letters to the CRA's. I have done all I can usingthe online route. The last couple negative TL's I want to send them to EX, EQ, and TU via certified mail. Can anyone provide me the physical addresses to send CMRRR letters to for each CRA? I dont think I can send it tothe PO box adresses can I?

Can someone please provide the addresses for the 3 CRA's that I can use to send certified letters to?? Thanks all in advance!