miramarguy

Great, so we all agree it was a spoofed email. Has the board at least been secured with the latest patches and the like from the vendor of the software? Because someone was obviously able to get the email addresses for the users here, I have never listed my email anywhere on here and still got it. And has this "attack" been reported to them so they can try to find the code that let it happen?

Thanks for the info. I sent off the DV letter today. I did include my current addy because I want to make sure that I get any replies in a timely manner. From what I can tell from searching they will not even respond and go away.

I rec'd a letter yesterday from RJM about an old credit card debt from back in 1996. They even helpfully listed the last payment date to reinforce how old it really was. However they sent the letter to my aunt's house where I have not lived at in over 4 years. Should I send RJM my corrected contact address when I DV them? They have not pulled any of my reports and are obviously using really out dated data on their end.

I get an error when I try to download the .pdf application: Board Message Sorry, an error occurred. If you are unsure on how to use a feature, or don't know why you got this error message, try looking through the help files for more information. The error returned was: Sorry, some required files are missing, if you intended to view a topic, it's possible that it's been moved or deleted. Please go back and try again.

My in-laws sent us a Visa gift card for Xmas loaded with $150. I setup a new paypal account and used the gift card to fund a transfer to my regular paypal account. It cost me $4.50 in fees to do it, but I now have the money in my checking account now instead of on a card that I would always be guessing the value of after my first use.

I always use fake info when doing most anything online. Lots of people complain that you have to give up your info when registering somewhere, sure you do, but who said it had to be real?

Is there any easy way to contact the CRA and ask them to delete the soft hits off of my reports? I don't really need "B" either but need to monitor my reports more often than once a month during my on-going disuptes.

Is there any easy way to contact the CRA and ask them to delete the soft hits off of my reports? I don't really need "B" either but need to monitor my reports more often than once a month during my on-going disuptes.

I got hit with an inquiry from NCO in the middle of September. I sent them a non-PP and DV letter as well. I figure it is better to go after them while on the inquiry is on there and not some really old account that they may try and list for kicks. I have worked too hard to clean up my reports for an outfit like NCO screw it up now.

I am going to guess that as with most rules that they don't apply to gov't agencies. I would be very surprised if you can apply FACTA to a city collection dept. But I will leave the final answer up to others more knowledgeable than I am about these things.

The only time a paid CO will help is with a manual review on your apps. A computer will still see paid CO and think "Hmm, at some point they still screwed up. Better deny them this new account."

You won't get a Cap1 CO off your reports. If you are really lucky, like me, they will update your CO will all kinds of new info. Then to make things really fun, after about six months they will update the CO with new info and tank you FAKO scores by about 15-20 points. I have basically given up on this account after fighting them for over a year. I will just wait for the seven year period to be over in 2006 and then fight to get it removed then.

Is Cap One the bank that is reporting monthly on others in this thread? I have this problem as well, Cap One has decided to update my CO every month and has dropped my FAKO by at least 15 points since they started doing in a few months ago.

Would it be better to try and apply for one of the cards that was recommended when I filled out the linked app, or should I try for the HH trio instead? I already have an Orchard Bank card so I know Household must think I am a little worthy of credit.

For some reason Cap1 decided to update my CO from 10/2000 on all three of the CRA's today according to Privacy Source. My fako's dropped from an average of 650 to 620-625. I haven't disputed anything in at least six months so I guess they figured it was time to poison my reports instead? Thanks for letting me vent.