LACT

Do you happen to know who I need to speak to at the Court house? My mortgage people suggest that I take this letter directly to the court and feel that's the reason Experian wouldn't release it. I took place in 2002 and it's now 2009! Thank you!

I have one judgment left only showing on Experian that is scheduled to be removed 5/09. I'm in the process of qualifying for a mortgage and I have obtained a letter from the attorney that filed the judgment saying "the client is now deceased; the estate has been closed for quite some time and we have no intention of pursuing LACT for this judgment". I sent this to Experian and they haven't done anything! They say it remains the same! Who should I contact? Is the court themselves and if so, which department? Or is there a form for the state of NJ to release judgement? Thank you all for your help!

I was given a $500 CL right off the bat. Applied in store at Sam's Club. I've since requested a CLI and initially was told no but now they are reconsidering and told me to check my next statement. Guess I'm one of the lucky ones here.

Thanks BubbaGump and forgive me b/c I'm still relatively new here. Where can I find the "nutcase" letter and I'm not sure what a FOAD letter is. Thanks again!

I think you misunderstood my question/comment. I was simply impressed with the short amount of time that you achieved what you did but based on your reply, I'll figure it out with the help of others.

Hi! I know there was a very long thread going on about Macy's a few weeks back. I had added my 2 cents saying they've always been very good to me and had just given me a $400 increase. I called on Thursday (one month later) and they just gave me another $500 guideline increase! Also, called backdoor # to Capital One and after being turned down for a CLI the first time and finding out that the dude pulled all three CRA hard inquiries, I got pissed and called back. I was told I had to write a formal letter, blah, blah which I did well over 2 months ago and still nothing. Since I was feeling good about Macy's, I called one of the backdoor #'s for Cap 1 and got a really nice guy (Sr. Account Specialist) who I told my story to and BAM...$1K increase! Thanks to all of you CBers. I would never have known to do this in the past.

I'm so in the same boat as you,OP. I too have a charge-off from a repo from americredit. Okay, first off...when was the date of sale of the vehicle?(was this a repo?) If its been 2years... and you DID NOT receive papers regarding the deficincy(sp?) WhyChat has a letter for that. He has a link in his siggy. BTW...I never received squat from them regarding my repo in 2006. They suck. They DO suck! This was NOT a repo however! They waited until my last 2 payments of 5 years. I always paid on line and when I went to make a payment, my balance (which was $774.00 for the last 2 payments) all of a sudden became $3800 or something like that! I called and they said it must be a computer glitch and then a few days later I got a certified letter saying I owed this b/c of "late charges". If you google Americredit, you will see soooooo many of the same type of crap. I called and threatened them with my attorney. I have since gotten a few "we'll cut the balance in half" letters and I just can't decide what to do b/c it's literally the ONLY thing standing in my way of an outstanding credit score! I have 3 other small baddies that will fall off 5/09 anyway. I still have the car. They never made ANY attempt to repo b/c I think they KNOW they're wrong Help! Any suggestions guys? Thanks so much!

The account was opened in 2001 (auto loan) I have not sent any correspondence other than fighting with them verbally telling them they were wrong. Americredit All THREE CRAs are reporting! Thanks BubbaGump

Any suggestions for negotiating on an old car loan that was charged off but is showing up as new on my CR? It's about #3K in bogus charges but I'm thinking of calling them and see if I can widdle it way down for Payment for deletion. Should I??? Thanks.

Hi everyone. Haven't been here in a while. I am down to ONE item on my CR and it's a recent charge-off from Americredit. If anyone has ever dealt with them, you're probably laughing and fuming right now. They are salamanders! Anyway, I'm disputing a mysterious new payoff amount that came out as my last payment was due and they're saying it's from "late charges" however when I did pay late, I paid an extra $10 "late charge". I just want it OFF my CR. It's about $3K. Any suggestions on how to handle this? Thanks so much!! p.s. My CU told me THIS is the only reason my scores are not MUCH higher...aaargh!

I would LOVE to know your secret pleeeeeeeeeeeez

Why does everyone hate Chase so much? I don't have any of their cards but I do have WAMU so I guess I do now I was actually thinking of applying for a Chase card in the next few months. I know they were very good to my Mom for years.

I have never had anything but auto GLI's. Every 3 months or so, they bump me up and I spoke to them last week and they told me they'll be increasing me again on October 14th. Last increase was $400. Maybe it's a geographic thing? I'm located in CT. Sorry to hear you guys are having such a tough time with them

I didn't post my scores b/c I'm not pulling them until OCT. Back in AUG, they were low to mid 600s but I've since paid off all my cards but one so I'm thinking they're closer to high 600s now. I've never included my scores on here in my signature and didn't respond sooner bc I wasn't online all weekend. Hope that answers your question.