Fixin It Up

Most US cards are "Chip and sign". That said, many employees don't realize the "and sign" part, especially in the UK where even 8 years ago when Chips weren't around on US cards and just making their way to Canadian cards. Getting fast food take out card... "Put the chip in! Why haven't you got a chip? Well we can't accept it" "Yes you can... watch this." Swipe card, tell her to get a pen... Calls her manager Manager looks, goes "Yup, no chip, he needs to sign" "Oh..."

Could it be they randomly did a Promo soft pull on the 4th and decided to use that?

Is this for Canada or the US? If 15 years ago, student loan rules for Canada changed around that time. If collection is on more than 7 years after last payment, it's supposed to be off your record. Not enough information means no credit file to go by. Do you have any US credit?

Start the lemon claim procedure for TX. The link is in your other thread.

I'm confused. Did you apply for a loan (cosign) or were you an authorized user?

Well the opening date with Amex isn't that old in my case (2003). Definitely planning on trying Amex using hegemony's route of adding myself as an AU first. Just have to find somebody who's willing to add me. As far as banks burned... Unfortunately there's a few of those. Chase did allow me as an AU, not sure if that means they'll give me individual accounts back too, doubtful though.

I've always received statements with balances, and also negative balance. Zero balance statements are rare though. Also, if a statement starts at a zero balance, and there are transactions that get paid before statement, those transactions do end up with me getting a statement so more of a YMMV in this one, but if there is ANY activity I'm pretty sure they're supposed to send a statement.

Option B: Dispute with the CRAs, when they come back verified then contact Cap1/HSBC directly at the number that the CRAs say verified the information.

Thought it might be better to make a list of creditors who have been IIB'd and still approve post-Discharge. There's been various reports about Chase, Barclays, and even Amex, might be a good place to put them all together. So, creditor, how much you IIB'd, and how long after discharge they approved you (and limit).

That is exactly the reason for lemon laws. I have a feeling if you try to trade it in, they'll say "Well there's issues with it why would we pay market value?". The fact that they keep resetting the code (and hopefully you have it documented) and NOT fining the problem, is an indication of it being a lemon, or a dealership that either doesn't know what they're doing or is slacking on something, or it's really an "unknown" problem. The CEL (Check Engine Light) is there for a reason. When you plug a reader into it (even if Autozone reads it, it doesn't get reset until you force a reset), it gives a code, usually a PXXXX (P followed by 4 digits) which usually gives an indication as to WHAT the problem probably is. You mentioned they keep asking about the gas cap, is that when you call or when the vehicle is in the shop? If it's in the shop they shouldn't even be asking, as if the light turns on BECAUSE of the fuel cap, it usually shuts off once the fuel cap is on and tight. It could be something in your fuel system that's losing pressure. Here's a quickie from carlemon.com in regards to Texas. There's 3 tests, you just have to pass ONE of them. There's the "Four times", "Serious safety hazard", and "thirty day". Thirty day pretty much says your vehicle has to have been in the shop for 30 or more days in the first 24 months/24,000miles, first repair attempt was in the first 12,000, and you still have an issue. ==================================== http://www.carlemon.com/lemon/TX_LemonGuide.html Four-times test If you have taken the vehicle to a dealership for repairs: two times for the same problem or defect within the first 12 months or 12,000 miles, whichever comes first, and twice more during the 12 months or 12,000 miles after the second repair attempt, and the problem is still not repaired you pass the four-times test. Serious-safety-hazard test If you have taken the vehicle for repair of a serious safety hazard: once during the first 12 months or 12,000 miles, whichever comes first, and once more during the 12 months or 12,000 miles following the first repair attempt, and the problem is still not repaired you pass the serious-safety-hazard test. ==================================== I believe you do pass the Serious Safety Hazard test, but if you want to really solidify your standing if you also pass the 4 times test. As far as Buyback, if they are unable to repair the vehicle (which in the 4 times case you can prove they haven't been able to nor can they), they will have to refund you the full purchase, price, including tax/title/licensing fee, minus the current miles on the vehicle.

Definitely not writing Barclays off. I did apply for the Priceline card in August, and called the Recon line. They gave me the whole "You included" shpeal, BUT also said to call back in 6mo or a year when I can show a better payment history post-BK. What would the "fourth" major report be? ChexSystems or something else? As for derogs, the IIB accounts still show for the most part on all 3 (TU/EX/EQ). The CH7 is off of EQ. And post-ch7 I have 4 lines (300, 500, 1500, 4000, 4000) showing (the newest of which is 5 months old, the rest of them are 1-2yrs old). I also have a couple of student loans. When the CH7 went off EQ, FAKO, pre-student loan (on TrueCredit) was 797, and TU currently (after student loan, but with CH7 showing) is 730. hege: What was the reason for your attempt at an AU before applying? Is it that if they'll approve you as an AU there's a better chance they'll approve you as an individual account? Edit: Thanks to everybody defending the "steal" comment. And the card in question was open for 6years prior to the Ch7, and probably ran through well over $200-300k of purchases, quite a few with statement balances as well so they did get interest out of it. Definitely over $200k though, according to my *Wood account usage at the time. Don't write Barclays completely off. I IIB'ed US Bank NW Airlines card and Barclays William Sonoma and Rewards Visa were the first pre-approved offers I received a year after discharge.

So this PSECU membership... How do they verify students or alum at any of the institutions?

Problem is the Exes are all the big ones :-/ USBank (Barclays) Chase BOA (FIA) Amex Barclays BK was filed in mid '09, discharged early '10. Cap1 put me at 4k for each card (increased last month to 4k x 2 cards) WF has me at 1500 for one and 500 for the other HSBC (now cap1) is leaving it at 300

Best case scenario? It gets deleted. Worst case (assuming it's out of SOL? You didn't say...) It gets verified and stays on the report til it falls off, which it will do anyway. So I say dispute it. This is, again, assuming it is past SOL... as Cage rattling isn't recommended.

Goto AutoZone, they'll read the code for free. At least then when you goto the dealer you know exactly what the problem is so they can't try to BS you