snark

Thanks, Bman....thanks sandscrit!

Sounds good! I haven't fought these wars for over 5 years now and I am getting rusty..... If they so much as soft pull me It's go time!

I am inclined to do just that, BUT I am really enjoying my scores, and I am leery of poking an angry beehive....so to speak... Anyone else have any ideas? Keep in mind they weren't even looking for ME!

Hi there...been off the boards for quite a while after I totally cleaned up my credit. I have no baddies and my scores are now in the mid 700s and higher. Today I received a THIRD phone call from NCS, Inc looking for someone named "Amanda Huff" . Fed up, I called them back (I know, I know....but its getting annoying)...They went through the spiel about who am I and had all my wife and my information, and said this was a "contact number" for Ms. Huff (whomever she might be.) They got pushy and threatening. When I told them they had violated the FDCPA by leaving Amanda's (?) name and an alleged case number and a demand she call them back with 2 hours, they got REALLY upset. they started asking me for personal info about my wife and I (which they didn't get), and I told them, point blank : "Amanda doesnt live here...she never lived here...and I won't do your skiptracing for you." This really set them off. My concern is this: My wife and I have SPOTLESS credit now. We bought a new car in March, and there are NO credit skeletons in our closet. We have received nothing from them in the mail. They DID have a lot of personal info about us....and became really really upset when I told them who our consumer lawyer was and to leave us alone. Do you think I have anything to worry about here? I am saving the phone messages they left for "Ms Amanda Huff.." Has anyone dealt with these salamanders? I mean, how stupid is it to leave personal info on a recording and a demand statement on the same recording? Any experience with these nobs?

Milennium, eh? Perhaps Frank Black or Peter Watts are involved with this.

Best Buy/Crap One is balance chasing me also....scores in 700s, never a late payment to them.... Screw them....no Crap One EVER again for me.

BBRZ is doing the balance chasing bit to me. Perfect credit, all scores in mid 700s....util now to 29% , down from 70% 2 years ago....no baddies, only 3 Inqs, all good I think it's a Crap One thing.....I started at $3500 CL, went down to $3100 CL, then 2 months ago, $2905 CL..... Everyone else, even TARGET, for goodness sake, has raised my CL in the last year. NFCU is giving me CL increases I almost don't believe.... But BBRZ is still on the downward spiral......if Citi doesn't reverse when they take over BBRZ, it will be history.

Haha someone got my joke.... It DOES appear they are a JDB....

Do they own a pharmacy in Quahog, RI?

Is this the WM regular card or the Discover?

It DOES seem weird....ALL of my other cards are in exemplary shape, CLIs, etc.....low util .....I think they ARE balance chasing.....Since they continue to do this, and are Crap One, I will pay bigtime again this cycle, and see what happens. I am beginning to thing they are way to weird for me.... If it gets down to near zero and they close it I guess that's just the way it is.... Puzzling, tho.......they continue to send me mail offers.

Okay, logged into my USAA CCMP today and was looking through the account information there. On my BBRZ it listed my account limit down $300! I have now lost more than $500 in CL from them. This is the THIRD CLD in less than a year. I ALWAYS pay more than is due! My Credit scores are all 740+ and recently I received CLIs from Comenity and NFCU.... Wtf is going on with BBRZ/Crap One? ALL my accounts are in good shape. I spoke to a rep and she said I would "get a letter." I have no baddies, all my scores are good..... Anyone else having an experience similar to this? I asked her if the upcoming transfer to Citi might have anything to do with this and she said she "couldn't discuss that..." Anyone? (PS....I just got an offer from Crap One the other day, lol...in the mail)

They gave ME a chance early on....later on I went thru a divorce, went technically but not legally bankrupt. All my creditors EXCEPT Crap one worked with me....they were relentless and made my life a living hell.... Now my scores are 750+ and there is NO way I will ever do business with them again. But, as they say, YMMV..... just my 2 cents......

Sorry, they will always be Crap One to me. YMMV. Although they treated me like dirt, it has been noted that some have had good experiences with them. Once again, it varies.....

Merrick is VERY odd... Had the card as a Hooters years ago, one of my first. They gave me a $700 CL to start, then NOTHING for 5 years, then out of the blue to $1050. That was 3 years ago..still at $1050. I've got other cards with 15K+ limits, so I just don't understand their(Merrick's) reasoning on anything. Go figure.....keeping em open for age.....