Styk

I just went from 5-10k, thinking about a charge card with them..

My wife and i are looking to buy a vehicle in the spring. My scores are all mid-high 700s and hers are mid to high 600's. If my income cannot support the loan that we want and she has to be on the loan is it the same as a mortgage that the lower score is used for the APR?

I sent a dispute to TU 2 weeks ago, for some reason the card came back signed on the 12th, they deleted the TL that day. It was due to fall off 4/11. All I asked in the letter was for them to make sure that the CA was really for me. I wasnt sure because at the time of the collection was when I really tried to clean up my credit. I just checked my report online and the TL is gone. Isnt that a bit weird for them to delete same day? I sent the same letter to Experian and nothing has changed with them yet..

worked for me about an hour ago also.

So they do not need to contact me about the debt in order for me to validate? i didnt think so, but i had read it in a few places.

I have a TL on my EX and TU that is holding my score down. On my My EQ without this collection is a 760 Fico, and my others are right at 700. The debt is from a CA that the OC is a power company. The amount is $147. This CA I dont believe has ever tried to contact me. According to my TU it was placed for collection in 11/04 and last updated in 7/05. According to EX it was opened 11/04 and has reported since 1/05 and updated in 1/05, 7/05 and 8/05. Under status details it says the account is scheduled to continue on record until April of 11. This whole thing is right around the time I started to care about my credit and I dont think i would let something like this slip by. i did move twice quickly during that time, but all the other creditors following me seemed to keep up so I find it odd that I never heard from these guys. So i guess what my question is I never received anything from them and from what i read in order to validate The FDCPA (Fair Debt Collection Practices Act) states that if a consumer (you) demands validation of a debt within 30 days of the first communication from the collector. Well i never received anything from a collector.. So what would be my best course of action?

ya they pulled a hard. I pulled my USAA report right after and it showed up.. The last time I tried to increase this card they denied it. A lot of old stuff has fallen off of my report the last 6 months so my score has sky rocketed. TU and EX are right around 700 and my EQ is 760 : I have a CA on my TU and EX that is all that is left. The weird thing is that on my EX it says the bad will fall off in april of 2011, but it started in aug of 05.. that is less than 6 years..

Saw the "request a credit line increase" on my toy citi card and decided to push it. i was suprised that they asked what CL i wanted. I figured what the hell and asked for $5000, nothing like asking for 10x limit increase. I cant believe when I just logged in and saw my limit raised to $5500.. That is awesome and should take my utilization into single digits.. A couple years ago I never would have thought that would happen.

my wife got one of these letters also..

No, I havent yet. I have read that a print preview shows differently, (not true, atleast not for me) and the back door doesnt show anymore info than the others have. I am waiting for a hard copy before proceeding.

is there a reason that i dont see people really talking about there specific interactions with CA? Is that a nono?

letter looks great. if you dont mind i might have a need for that.. just tailor it to my needs..

thank you. So according to that they must use the 4 year SOL for GA and not the 6 year for New York.. Hopefully if I cant just get it deleted I can leverage the fact that they cant make me pay to my advantage and get a PFD.

I have read in a few places the TU will show a drop off date for a CA. I have one that states started in 11/04. Now I am assuming that the actual DoFD is 3-4 months prior to that. My report is not showing it. I havent sent a DV yet, but plan on it. This CA is reporting on TU and EX, I am assuming the SOL is past, this debt is in GA and I am now in NY. Ive also read that they will not do PFD with what little info I can find on them which is stupid. Its safe to assume that they can not sue me, it is only $147 so I can just wait them out if I cant get it cleared through the 1-2 punch. Where can I find SOL? Ive poked around here and havent found it. Now that I think about it, they have never attempted to collect on this debt. Is it safe to call the OC and see what it says on their end? It is a power company. At the time I was trying to fix my credit and dont think I would let this happen had I known about it.

no one has an opinion? Im still learning and could use some guidance.