dfwguy22

Just did it again after 17 days...doubled limit from 3500 to 7000!

Had a $1500 limit for almost 2 years on IT... 4/17 $500 increase 5/5 $1500 increase Not bad!

TD, Ally, BBVA Compass...Kia and Hyundai will bureau surf

That looks like an approval where the applicant repo'd the lender before

In Phoenix, credit unions will go off of Experian model 2, which is not auto enhanced

I called and they said my type of loan didn't require a signed agreement...but the rep did send me a "welcome letter" saying I was in the rehab program and the basic terms of it, etc...

Well it's been a few weeks...and my first scheduled automatic payment was taken out today. I still haven't received a rehab agreement in the mail. Only a letter letting me know they are going to make a withdrawal every month on the account I gave them. Should I be worried that they played me and didn't set me up in rehab after all?

OK...so I called back and made my 1st payment and they asked what date I wanted to make them from now on and I told them. And of course they went over a brief summary of how rehab works, etc... After reading other threads...are they going to automatically going to send me a rehab agreement in writing or do I need to request it? Also, can I make payments via myeddebt.com and they count or do I have to call this CO every month? Thanks!

I'm starting the process of repairing my credit and I have 26k worth of loans assigned to Collection Technology Inc. I have been reading about rehabilitation and called them wanting to get the process started. The rep at first was very nice and asked me a few qualifying questions and said I qualified to make a payment that I was comfortable making. She said she could take my first payment right then on the phone. However, I was just calling to get everything arranged so I could make my 1st payment on June 10 when I get paid next (I get paid once a month). Her tone slightly changed and she mentioned wage garnishment....I reminded her that I called her proactively and that I want to pay this but couldn't send it until the 10th. I also told her, being in sales myself, I understand the importance of getting results today and while I identify with that, I couldn't do it. I was put on hold and a manager came on the line...trying to tell me that I was calling in May and that I had to pay in May, etc.... She also wanted a copy of my 1040 emailed to her to qualify me for a lower payment? I guess what I'm trying to get at is....are they just trying to get some $ upfront to get a bonus, etc....or if I stick to my guns on paying my 1st rehab pymt on June 10 will they back down? Thanks CB for your help!

my wife called on her $300 secured and was unsecured and upped to 500 at 11 months...security deposit was put in her checking 48 hrs later.

"Checking" is not plural...

I am in chex and telecheck, and justice said they'd only approve me for savings

^^^

I sent Portfolio a DV & Limited C&D letter CMRRR apx 3 weeks ago for an old credit card debt from First National Bank of Omaha. Their response was to send me a notarized "Affidavit of Ownership and Sale of Claim." Would a judge consider that proper validation (I'm in TX)? If not, how would everyone suggest that I proceed? Also, the date of the loan is 3/26/2001 as per their letter they sent me, so I'm thinking I should go the past SOL route, but I'm not sure (SOL is 4 years here). I've been researching this site and have a few ideas, but want to make sure before I fire off letter #2. Thanks!

Yes, yes and yes I guess my next step is going to be a PFD request.