bonnieb624

Funny thing is that I never even admitted to being me. I just asked who she was and she said Carla, I said from where and she said Midland, this is an attempt blah, blah, blah and then just started to blather on about how if I don't pay them, they can sue but she might be willing to work out a pay off discount amount.

I have a question, I had a Spiegel charge over 10 years ago, way out of SOL. Well Midland called me today and I answered cause I thought it was someone I was waiting for. So the girl tells me without me even admitting to who I am that I could be sued and that they can do whatever they want to collect. Is this true for a debt that is that far out of SOL? Should I worry? Thanks in advance for any help!

I use TC and CK and without even realizing it I knocked my TU's down to 3 but then went on an app spree so now I am back to 7. I wish there was a way to B* EX, I need some serious help there. It's Kona time for me!

I have had a CA calling and mailing me about a Ballys membership from when I was 17, not even legal to sign the contract. I am now 34, will be 35 next month. Is there something that I can do to stop them from harassing me?

I had them on my credit report for an old bank account overdraft fees. I never recieved anythng from them either but wound up having to pay them to get them off. I disputed it a few times and it came back validated everytime. I didn't dv them tho since I knew that I owed it and it wasn't that old. I also paid them to get the debt off of chex systems so I could open my account at the Credit Union. Just an FYI...they take their good old time with everything. Good luck! Edited to add that they are nice as pie when you are paying. They even agreed to delete the bad TL rather then mark it as PIF.

I have 2 HSBC cards (Orchard and Household Bank) in good standing but cannot get another to save my life. I've tried for a few of their store cards thinking I would already be in good but no go. Edited to fix a spelling error

*stands and says Hello my name is Bonnie and I am a Target Addict* I keep hoping for a CLI. I am at $500 now but I LOVE that store and somehow always manage to keep way to high of a balance on it. I have been good the last 3 months. I am hoping to pay it down. Maybe when I do they will CLI or upgrade me

I just got my Hooters card in the mail today, I didn't have a chance too look at it all of the details yet but they gave me a $500 credit limit.

My husband is an AU on mine and it shows on his as well.

I know that, I just figured that any upswing in FAKOs would mean an improvement in Ficos even if they are not the same.

I have been checking my Fako scores on True Credit for about 2 months now and my Equifax was registering at 514 until I disputed some things and then it became not available for about a month. Well today I updated and my Equifax finally showed up at 682! It's my highest score. I hope it stays that way Thank you to everyone here for all of your help even if you didn't know that you helped me

I just got approved for Hooters, it didn'y say how much the liit was tho.

I have some that were from the 19th of April that say on the hard copy will drop off in May. I hope they do soon, I went on a application spree today lol

My credit was awful but after finding this board I did my first round of disputes and knocked off all but 4 things. I had like 9 things removed. I am still waiting on Equifax and Experian final results. My fako score has shot up from 514's to 584 and 558. My Equifax is still not registering. As of right now I have a car repo from Ford that is due to fall off next year, a paid collections (from before I found this board), a collections for a Sprint account that I never had (keeps coming back verified) and a paid collecton to Citizens bank that I had to pay in order to get in to the Credit Union. Other then that everything that I have is paid on time. The only other thing I can think of is that maybe my balances are too high, I am working on paying them down now. Thanks so much for all your help

I applied for a Best Buy store card and was denied with the only reason listed as "Serious Deliquency With Others". This is absolutly not true, as a matter of fact, I have other HSBC cards that are in good standing. Is it worth a try at a recon? Also, I applied for Walmart (any that they will give me) and got the 4-7 day notice. Anyone have any luck with approvals after that? Thanks!