birdman6709

Letter was mailed out today, after I got a notice back from EQ that the collection was validated. Strange how EX and TU both deleted the collection with a validation letter, but EQ does not, and not I have to send out the Pre-HIPPA letter.

Anyone care to let me in on this B* stuff?

Hello CB, I have been here for a short time and always find that this place is so very helpful, thanks in advance for everything. So exactly 1 year ago I purchased a used 2004 Murano, at 13.86%, which is biting me now but that was based on bad credit. I am getting the itch to purchase a new 2012 Altima and trade in the Murano since there are so many incentives and the fact I can get a new Altima for lets say $18K out the door. The only issue is that I still have a $13k loan on the Murano, and realistically will get $9-10k for the Murano, so putting me in the hole for about $3k, but since my credit score is much improved, if I can get that negative equity rolled into the new loan at lets say .9% or 1.9% it just doesn't make sense to keep paying almost 14% on a loan for a used car when I can pay 2% on a new car. Anyways im really leaning towards just getting it over with, plus the fact that at best im getting 20 MPG in the Murano, and drive alot. Also just thought of this, since I am thinking Nissan, and want to get the best price, can I just apply to NMAC, and take that to any Nissan dealer, want to make sure I have the approval I need plus dont want several dealers pulling my report. Thanks everyone.

So far only EQ has not removed it, I will sent it out to them once I am able to get to the post office and pick up some certified mail slips.

The fraud alert is standard, it will HELP you with your disputes. Send the initial dispute letter: http://whychat.5u.com/hipaadisp.html So even though they put that statement on my account and have not removed the address, so far only 1 CRA has it was EQ I believe, should I send another letter to EX and TU and try to get the old address removed?

I am just trying to see if my efforts are being seen and updated, so far ive had 2/3 CRA's remove a collection, I believe thats why EQ is showing a late payment as its the only one with the collection still on there. BTW what is B*? I have been searching all over and cant find out what it is.

Send removal letters of old address and found this on my EX report today. ID SECURITY ALERT: FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING 05-12-12. As for the address so far the only one that was removed was from EQ, EX and TU still have my old address, Is there anything I can do to get this removed, will this hurt me at all?

Yes I refresh the report almost daily, EQ and TU are now at 699, while EX is only at 647, weird since it shows something 30 days late, but there is nothing there.

Thats the thing, they both show the same information, which is confusing, I know that CCMP shows FAKO scores, so why is it picking up that I have a late payment when both the CCMP report as well as the AnnualCreditReport both show nothing late? I pulled my report from annual credit report, got all three and fighting my way to better credit. Bump Bump Bump it up

Thats the thing, they both show the same information, which is confusing, I know that CCMP shows FAKO scores, so why is it picking up that I have a late payment when both the CCMP report as well as the AnnualCreditReport both show nothing late? I pulled my report from annual credit report, got all three and fighting my way to better credit.

So I am checking the CCMP again this morning, it says that I have 1 or more payments that were 30 days late or more, although when I check the CCMP report, as well as my annual report, there is nothing on the equifax report that shows anything being 30 days late. In the past I had accounts that were 30 days late, but those have all been removed. My EQ FAKO score is 635, but EX FAKO is 699, and TU FAKO is 687, what gives?

Just got this from TU this morning. MEDICAL BUSINESS BUREAU# 108463****DELETEDMEDICAL BUSINESS BUREAU# 108463****DELETED

Thats a good point, So far all of my loans are in good standing, except for the debt I am carrying its looking alot better, just need to pay everything down and wait for good things to happen. 

I pulled those reports last week, let me take a look at that link and ill get back.

I still want to know, do I ask each account that it reports to each CRA? I have different numbers on how many accounts I have open with each CRA, and since they are weighted on what types of accounts I have open would'nt it be a good idea to get the accounts the same on each CRA?