ToadC

I read the last 50 pages and I give up What are the general rules to count Transunion softs?

Maybe we can just file a BBB complaint that we can't access online disputes and accomplish the same thing? That might work depending on who is looking at the BBB complaint. I think you will need to show multiple attempts and a loss of $$$ for the BBB to push it on to experian, but who knows. When you get the "packet" in the mail, it basically reads like a dispute request and shows all the changes made (each soft inquiry deleted). I think mine was over 80 pages and took 4 experian envelopes. lol. B* comes with consequences...mine is probably almost full\corrupt again It was a painful process of calling, asking for supervisors, asking for technical folks, etc. The BBB is what worked for me

It's not a ban, its a problem with their database with regards to soft inquires. Last year, I had this and it took me 6 painstaking months to get the right person to fix it. You also will not be able to order a paper report either. My advice, order a hard copy over the phone. When you don't receive it, order another. Do this three times. Then submit a complaint to the BBB that you paid for 3 reports but did not receive them. Eventually they will figure out the problem and flush your soft inquiries. You will receive a VERY LONG updated report with all the "proof" that they flushed\deleted inquires. Once you receive this, your backdoor will be available again. I tried to resolve this on the phone month after month with no resolution. The CSR's can't really see the problem...so they just order you another report that won't arrive. Trying to tell them that you already tried this and it didn't work just results in them assuming your mailman sucks

Has anybody ever gotten off of Citi, Bofa, or Chase's charge-off blacklist by paying the debt in full? Mine are over 10 years old, but I'd like to make amends for purposes of avoiding any issues with a potential future mortgage application and to take advantage of some of the point bonus offers that have been going around (especially Citi). I'd hate to pay them at this point if they wouldn't likely "forget about the past" and assess my credit as it has been for the last 10+ years.

FOAD = Cease and Desist? If I have a current card with them, is that card subject to the C&D as well? Can I limit the C&D to the scope of the card from 8 years ago?

Hi, I have an old debt with Discover. The DOFD was 4/1/2003 and I'm in Texas. The debt does not report on my Credit Reports. About a month ago, I got a dunning from a collector. I immediately sent a DV in which the OC (discover) provided proof. The debt is valid. What should my next move be? Leave it alone? Or let them know this is out of SOL?

Excellent. Thanks $10 for Reach Out For Schools membership plus $5 for the share. $15 for monthly EQ FICO is an excellent deal

can you get the DFICO if you only open the savings product? Or must a checking account be included?

can you get the DFICO if you only open the savings product? Or must a checking account be included?

I have an entry with Chex from BOFA. I've previously disputed it without any luck of getting removal. Apparently, the debt was sold. Does it fall off 5 years from the date reported in chex? Or 5 years from the date the debt was sold? Date Reported: 09/01/2005 Reported For: ANY AMOUNTS OWED HAVE BEEN PAID ACCOUNT ABUSE ACCOUNT/DEBT SOLD Paid in Full/Settled in Full Date: 11/06/2008

On my EX "Direct Loans" entry, it shows: Account History: 90 days past due as of Sep 2004 60 days past due as of Aug 2004 With no other negative information, will the 60 days statement fall off in 8/2011 and the 90 day statement fall off in 9/2011? Is that how it works? Or will the lates stay until after the loan is paid off? Thanks!

If my Stafford loan had a 90 day late in 2004, would consolidating result in those lates being removed in any way? Would it result in a "new" loan dated as of today? Will the 90 day late "remark" fall off in 2011? Thanks for the answers...just weighing my options!

I have a small Perkins loan in rehab. At the end of rehab in February, the balance will be about $950. I guess the interest rate will be 5%. I am told that the negative reporting on my reports will be cleansed upon the 9th payment. The loan is handled by my school. Separately, I have $38,000 in loan that is in forbearance (Direct Loans). I'm set to begin payment under the Extended Graduated plan in February. I plan to over-pay to accelerate the pay-off date. Once I have completed rehab, is there any financial or credit reporting benefit to consolidating the two loans aside from the ease of making a single payment? Thanks!

Bump. Any thoughts I've had no action on the part of Sears. I issued a BBB complaint but have yet to receive a response. And why is this the only account that doesn't state "This account is scheduled to fall off on xxxxx"? It does look like it *should* fall off in November of 2010, but I don't understand why it doesn't state this like on the other accounts I have.