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Hello , I just got a letter from transunion that says: Thank you for contactine TU Our goal is to maintain complete and accurate info.......bla bla bla Our records show that your creditor has previously verified as accurate the items that are listed below. Therefore, under Fair Credit Reporting Act, we consider this dispute frivolous and will not reinvestigate the items unless you can providecourt papers or a recent, authentic from the creditors that explains that that info should be updates. Bla, blah , blah. OK NOW WHAT NEXT ?? DV the CA? Your help is greatly appreciated, I love this forum, it is not only a goldmine of info but a support system to us all.Thank you.

Hello everyone, the ballgame has began, I followed why chats HIPAA expertise. On my Dental bill I sent a HIPAA letter to the OC, then today I have received the original contract that I have signed from the CA and NOT the OC. What do I do now, since I can't verify with the CA since they already sent me that verification wiht my signature on it. What shall I do next.??? PLEASE HELP!!!!!!!

Hello all, I am so ever so confused. I requested a DnB number online a week ago. Mimi the rep said that i need to PAY $249 to UNBLOCK my DnB number, and said that I can still have a number but wont be profitable since companies wont be able to see my tradeline? Is this true???? She said unless I pay $249 for credit builder it will VALIDATE my company. Please help!!!!! Also too she said no matter how many TL's I have it wont make a difference because company who will request my number will not see me unless I UNBLOCK and pay$249. Any help will greatly be appreciated.

So meaning opening a business account with tmobile is worthless to my business credit?

Hello I just got approved by T-mobile for 10 lines I ordered 1 phone today, I was wondering does tmobile report to dnb/exp for good standing. I am trying to build my business credit, I hope they do report that the account is open, for future references when i apply for another store card for the business. Thanks for all your help.

Hello Thanks, busines has been running since 1998 but I never thought of building the business credit, we sell dog apparel at shows, we will have our first Trade Show in March for wholesaling. Thanks for your advise.

How old was the repo??? Is it within SOL why dont you visit why chats website at whycat.5u.com there are a lot of advices on repos.

Hello , Ok I got my first orders from Viking and Uline today, Nebs to follow, when do I pay there was no invoice on the package, and when I pay when do they report to DnB. When should I start applying for Staples and other cards to build business credit. I am excited. Thanks Maria

Hello thank you for your response , NO I did not pay off the balance, I still owe this but it says that I was never late. You are right I should not wake this sleeping dog.

Hello, I am new here and have posted millions of questions , I am going through my credit report and I have a question: In 04/2001 I pruchaes a Van through Americredit, in 01/2003 I was rear ended resulting in a total loss of the vehicle. Since the lady who hit me on the back did not have insurance, my insurance company only paid $6000 on the vehicle , and the balance of the Van was my responsibilty. Now In my credit report it shows in EX under accounts in good standing but here is the way it was placed. Americredit Status:Open/Never Late Date Opened:04/2001 Credit Limit/original Amt: $10,971 High Bal: N/A Recent Balance:$4,487 terms:65 mnt. Monthly:$294 OK it is a Good TL but I still have a balance the debt was in 2003, how should I go about this? Shold I leave it since it is in "good standing" but it still shows a balance, or should I call OC. Anyones advice would be greatly appreciated.

Ok thank you guys, just applied for uline ordered something for $66 i am crossing my fingers.

Yep that is right i did the insert b, account in error.

No I did not send it with Money Order since I am using ( billed in error / not enough time frame claim to my insurance. I do not intend to pay the bill since I have insurance PPO.

Yep it is, they just denied me today , they said I have to pay upfront. Oh well.

I have the same problem my Amex Optima was in 2001 and they verified the debt. However I posted help here last night and they said that Amex will forgive but hard to forget. I just called them today to get on with the Oasis program (you can search the board for that) where you pay them what you owe and in return they will give you another card that will be half the amount of your old debt CL. I have been battling with them too, they are tough. Good Luck.