bj

I am currently preparing a lawsuit against a cccs. They made arrangements with only 2 of 6 creditors. 2 of the other accts ended up co after the first month. The 2 they made agreements with, the due date was for the 24 and they did not make payment til the 29, so the oc cancelled agreement and I ended up with 60 day late before I could correct situation. They never sent me any documentation about the agreementa or the refusal of agreements so that I could make payments myself. They continued taking out payments from my bank. I was only associated with them for 3 months. During this time, they made one payment to 2 creditors and it was late. They are insisting on keeping the rest of my money. I am taking them to court for my money back and for the late charges that were incurred after there agreement with creditor. I am going to have to file in another state, but I will go there willingly. They think because they have a clause in the contract about the state people won't bother them, but they are WRONG ABOUT ME! I will post new info when I find out anything. I have been reading about your situation and I don't think you're going to have any other choice to get things straightened out. Good luck bj

I got the same msg about agreements. I did it about 5 times looking for something to ck and nada. Then the next time there they were at the bottom of the page. I do not know where they were before or what I did to get them to come up. But eventually they did show up. So, don't give up! good luck bj

My ex dh has an 850. He didn't want to sign a car loan with my dd because he was unwilling to allow them to pull his cr. The loan officer called his loan officer and verified without pulling a cr so he wouldn't get dinged for an inquiry. I didn't realize what that was at the time and was quite upset until the loan officer explained and said he had seen the copy of cr on file. He won't get credit anywhere unless they use the reports he pulls without inq. He does it in their office on their computer. He won't apply for more cc except for local bank or cu's. He's had all his other cc's since we were married and we've been divorced 24 years. I can tell you an 850 cred score is not worth living with him tho. bj

Can't you have the cra send an updated copy to anyone that received the cr in the last 6 mos or 1 yr? I would make them do that and not have the extra inquiry.jmo bj

Congratulations! At this point a 9.9 apr would be great to me. I am still cleaning, so haven't even started applying yet. Soon, I hope because I have certainly been tempted by all the cu posts on here. bj

DH got results back from EQ that his old addys had been deleted but they were still on the report EQ sent! This has happened twice so far. Did you check the new report they sent to make sure they had actually deleted them? I think this has happened to several people lately. PG is usually updated immediately, or so it seems for the changes on my reports. bj

It should help with utililization. But, like with everything else, as George would say, YMMV. bj

Sorry I did not see your post sooner. I do not know the answers to your questions. I would like to welcome you to CB. I see this is your first post here. Often during the busy part of the day, a post will quickly move out of site on the list. When this happens without your getting a response, just post a reply to your own post saying "bump". This will move your question back to the top of the page where you will hopefully get an answer. I hope someone out there can help you with your questions. Good luck, bj

I would think it should have at least been "acct closed" since you have the checking info from few months ago. Does Wachovia operate under completely different divisions? I would think Wach was Wach. Who and when did you have info mailed to bank? It doesn't appear to me that they responded within the 7 day required period. bj

Friendly bump bj

I can't answer your questions, but welcome to CB! Good luck, bj

I don't think you actually have to print the dispute, I believe you can just save it as a file. Then you can print it out if you need a hard copy. So, you can still save printer ink and have the info you need as well. bj

I wonder if we can send in our actual reports from eq, ex and tu and get myfico to change their info through that route? Surely there's some way to get this info corrected with myfico. There the one's coming up with the scores and they are using incorrect info :!: bj

Did you print a copy of your dispute, showing the accts disputed and the date of dispute? If so, I would wait the 35 days, send eq a copy of my dispute along with their letter and new report and demand deletion basede on FCRA dispute law.JMO bj

myfico reports do not match several things on my cr's either. I know they use their version to get the scores, so do they take disputes on their info? bj