hardpull

The SO has an old account from Vermont: Date Reported: 7/2009 Date Assigned: 6/2009 Date of 1st Delinquency: 01/2007 Original Amount Owned: $1,406 Balance Date: 7/2009 Status Date: 7/2009 Status: D- Unpaid Comments: Medical The statute of limitations for medical accounts in Vermont seems to be 7 years. Come January, what are the next steps in getting this removed from the SO's credit report?

I had to call and take a TU pull after 20 months. 0-2% utilization (always PIF, but we know how that works). No missed payments. I ran about 3k through it in 20 months.

Mine was 13.99 + Prime I think (19.99% total). Looks just like OP's, but changed numbers.

Graph shows Oct 08 here.

Not really -- check their list here: http://www.capitalone.com/creditcards/products/compare/, all of their "limited credit" cards are "$300-x". The "$300" is there for a reason....

YAY! I love when the worlds worst database company expands their database!

For a second I was excited .. I thought the BT rate was 1%.. but thats just the /fee/ associated with the transaction.

Dropped my Amex gold a few months ago when I didnt feel like paying the A/F. Still have my 50k in cards though, no CLD or anything.

I received a couple calls from Discover early on for their normal credit protection song and dance. The second time they called I pollitely asked to be removed from future callings, and haven't heard a peep from them since.

Don't threaten to sue in a letter, that won't get you anywhere. If you believe you have a case just sue them.

I have read through all of the pinned links, and am not entirely sure how to address this. I have a one hundred dollar collections notice from a local healthcare specific receivables company (collections agency). They state the service was from ~8/04. This is my girlfriends issue that I am helping her with. To her knowledge she has never delt with this specific company. She has a small pile of medical debt from various hospitals -- but most from this hospital were covered under a 'charity care' waiver due to her low income. Do I follow WhyChat's standard pre-hipaa and hipaa process? Specifically: Send this to the CRA (if its being reported): http://whychat.5u.com/hipaadisp.html and then send this letter: http://whychat.5u.com/hipltr.html With a check for $100 (for deposit by hospital only)? If the CA is a medical collections agency -- wont they know how to deal with my hipaa letters and not let me jerk them around?

You only have a 3% utilization ... Is this really going to change that much? Even say 9% utilization shouldnt change your scores.

No go in VT.

The same is true for credit cards; auto loans; and mortgages! The faster you pay off a loan, the less interest you pay.

Amazing!