Stillmatic

Hello everyone I'm having some trouble deleting an old address. This address is tied to some old medical collections. Here's the problem the address is tied to a small mom & pop MOTEL. The mailbox is outside and easily accessible. No cameras. I have not been there in over 8+ years. There are roughly 6 medical tradelines that report at this address. But, with different VARIATIONS. 3 - tied to the physical property address(business) 3 - tied to the physical address and INCLUDE Room 2** Ex: 2394 S Winston 2394 S Winston Room/Rm 2** I have no physical/current/good standing reporting there. Only the medical. I was able to delete all other address(s) & Names successfully. with EXPERIAN but not the ones that have the negative tradelines. Please help on how to proceed. Thanks in advance Also, the lady on the phone said she would "UPDATE" my address variations? This is incorrect right? They should be deleted completely if it is a different variation if i'm correct right?

I did have health insurance at the time. I will have to check on the EOMB's. Whychat has helped me quite a bit already I will mend the info shortly. Thanks

I have a CA that states 90 days late on an medical account. Is this allowed if i've never paid towards the original amount. It was Sept of 2014. Reason being my payment history is flawless on all credit cards. This really affects it. Any advice? Thanks in advance

LOL sorry whychat. I will read the above posted. Thank you

I see. Thanks

A little update. I received all my paper reports by mail (i got the scores also). All the reports state PROMOTIONAL OPT OUT What should be my next approach? Can I dispute online? The negatives on my report consist of medical collections nothing else. 15 total. 4-5 are Paid or Charge-offs. 6 are current. 4 have a (In dispute by consumer statement on them) I disputed these over 4 years ago. I have a few old addresses listed that are all businesses. Thanks in advance

Hello again everyone. So it's been over 6 months since I opened the Chase Sapphire Preferred card. I have utilized this card regularly and PIF each month sometimes leaving a credit. I know my scores have gone up slightly. What's a good limit to ask for? Current limit is $5k. Can I ask for $12k? If denied will chase counter? Also, 3 months ago I became an AU on my dads AMEX Everyday Preff (personal). 14k initial @ 61 days I asked him to ask for a CLI. (At 3x that would be 42k, that would be a bit much) Asked for 30k was approved n the spot. Being an AU HAS helped my score, BUT NOT WITHOUT. My own personal accounts being paid/utilized in a timely manner. I want out from being an AU. But, I know it helps for now. Thanks again

I have printed documentation showing I opted out. I have some medical debt that needs a little attention. So my question is should I opt-out again before ordering my reports again. Also, is it ok to call and order your reports directly from the agencies? Phone numbers or links would be great. Thanks in advance

Cap 1 platinum $750 limit. Only things other than that is paid off car notes and good payment history. Was just wondering what would be best to apply for next since I got approvd for the CSP. Again, any strategies on the CSP for CLI before activating?

I got approved for the chase sapphire preffered 5k limit. I would like a higher CL. I have a chase southest card (Authorized user 22k CL 3 years old). How should I go about obtaining a higher CL? My personal Sapphire preffered is not yet activated. Should I apply for chase freedom, then ask if they will combine the limits of the two cards?(freedom+sapphire preffered), or can they give me some of the credit limit from the southwest card? Remember only a authorized user on the southwest. Great payment history on the southwest card. So now I have a signature visa. What other cards, do you find would be best to pair? Thanks in advance

ok great! Thanks guys!

I wanted to purchase a TV and applied online, and got approved for the standard walmart card for $500. My question is, I dont have the card in hand yet. Can I still use it in-store to purchase the tv? I would purchase it online, but it is more expensive then my local store. Also, can I pay half on the card, and half with another form of payment? Thanks in advance

Hi everyone, i'm in the process of deleting addresses. I opened a secured ($4500) NM UltraVX credit card a couple years back at one of my old addresses. I haven't used it in quite some time. Fast forward to now I wanted to update my current address for the card, but New Millenium says they no longer have that card in circulation (phased out). He also, said he could not find my information. My Experian report shows it in good standing and closed. (scheduled to report until 2020). Which is great! Here's the problem, I have 4 Medical accounts that are tied to this address and I want to get this address deleted. I'm assuming that if I delete this address the POSITIVE TL will go with it? I really wanna update the info, but NM bank has none of my info. (He said they've purged there system). Please help. Thanks in advance

Anyone else run into trouble obtaining their credit report from Equifax directly. I successfully ordered them from TU and EX, but Equifax needs verification. What forms of verification should I send. Any tips? Also, what do I not want to send? Thanks in advance

Opt out http://www.whychat.5u.com/OPTOUTINST.HTML Get your REAL credit reports To order, visit annualcreditreport.com,or call 1-877-322-8228 If you have moved since the date of service try to get your old addresses deleted, send a brief handwritten letter to each CRA requesting the deletion of invalid addresses as you are concerned about ID theft/fraud. Provide a copy of your drivers license a copy of your SS card and an ORIGINAL recent utility bill as proof of your identity and correct address. Once the address deletions have taken effect ( as much as possible) send each CRA this: http://www.whychat.5u.com/hipaadisp.html Come back to THIS POST for further instructions or assistance AFTER the above steps have been taken Thank You whychat. Will report back with the findings