tmarquis

Awesome!! What is your paydex? Sent from my SM-G930P using Tapatalk

[emoji102][emoji101] Sent from my SM-G930P using Tapatalk

Longtime CB member and lurker... I've been here since the beginning of CB. Used to contribute a lot to biz credit. Been reading a ton lately. My credit journey is pretty awesome thanks to you all. Post BK7 2009 No baddies Really had no cards prior to 2014. Started with First premier secured BofA secured - graduated in 1 year, up'ed the limit to $2000 Brylane Place: $250 Barclays $1750 Cap One plat $2150 Closed first premier Got a few store cards: Target: $2600 Walmart: $3500 Sam's Club: $3600 Amazon store card: $2700 Before studying this forum for months that's all I had... Fico 8's: EX 702, EQ 725, TU 697 My scores go up and down... it's crazy!! Now I have NFCU: $20,000 NFCU CLOC: $4,000 Discover: $3500 luv button yesterday +500 $4000 First Bankcard: $3,000 DCU Platinum visa $7100 Citi Advantage $3500 American Airlines $3000 Bank of America (TR) $2000 Bank of America Platinum Visa $5000 Cap One QS $500 auto cli +250 $750 AMEX BCE $2000 AMEX Open *biz* charge card I think that's it... Sent from my SM-G930P using Tapatalk

With great credit I've never been asked. With low scores I was asked for POI and the kitchen sink.... Sent from my SM-G930P using Tapatalk

Following Sent from my SM-G930P using Tapatalk

True! I tried to iupdate and couldn't. That prompted me to find out what was going on. After damn near 3 months of calling, being promised call backs... no results. I went straight to corporate. That is when I started getting answers. Sent from my SM-G930P using Tapatalk

Wow!! They have done this to me as well. My retail store was a new development and since they didn't see the address listed with the city as being a "shopping mall" they pretty much blacklisted that business and any other business associated with me. A 15 year corp... preparing to fight with them now. Sent from my SM-G930P using Tapatalk

Before you buy: check duns and bradstreet, if the credit is fried it'll be a waste of $$ and time Sent from my SM-G930P using Tapatalk

Thanks for this! Always froze LN. But, never the others. Sent from my SM-G930P using Tapatalk

NFCU $20kNFCU CLOC $4k B of A $5k First Bankcard $3k Sent from my SM-G930P using Tapatalk

Hey! I have 501 C 3 I've had it since 2010 How long did it take you to get approved with the IRS? It took about 6 months with one IRS request; upon providing the update we were approved. Did you use an attorney for the 1023 process? No, I did it on my own. We did not have enough money to pay the fees we were quoted. an upward of $3,500 - $6,000 What type of non profit do you have? Educational, Arts and literacy for under-served teens Any pointer or advice - To stay in good standing you have to make sure you complete IRS taxes, annual report with your state, and with your attorney general every year ON TIME.

Hi, WhyChat and thanks so much for the letter! No, it's not on my credit report. Is the account on your credit reports?? Try this: Your Name 123 Your Street Address Your City, ST 01234 ABC Collections 123 NotOnYourLife Ave Chicago, IL Date: _________ CMRR#____________ Re: Acct # XXXX-XXXX-XXXX-XXXX To Whom It May Concern: This letter is being sent to you in response to your attached letter. ( with a copy of the envelope also)I am including a copy of the envelope which did not have my name on it and was therefore in violation of the FDCPA and HIPAA privacy rules as it was opened and read by others because of the omission of my name. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please attach copies of: Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA ,SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES;and SEC. 13407(1) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the HITECH Act as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. . Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of (name of your State) medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, Your Name(PRINT OR TYPE DO NOT SIGN)

Account Recovery Service (Milwaukee, WI) mailed a letter labeled with only with my address and no name. Letter was opened by a family member because it had no recipient, only to find inside a medical collection letter accompanied by lab invoice dated 2008; from ACL displaying various lab tests that I had performed and HIV one was one... Caused me pure embarassment! What can I do!? Please help. Thanks CB

No, they have not reported. I am sending them copies of the CMRRR receipts, intial DV and an initial C&D and I will be also cc'ing our atty general... they are some a** holes!!!