https://creditboards.com/forums/index.php?/discover/CreditBoards - All ActivityenHow much is the claim? Since the OP has already been served, the SOL technically has stopped. No problem, through creative Discovery demands it may be possible to run the Plaintiff's attorney fees far above the amount claimed. My first Discovery demand would include the following: 1: Bills of Sale from the OP to all subsequent holders of the claim. Let's assume LVNV is the third, so I would demand proof of the original claim (copies of all invoices claimed as being unpaid including signed (wet or digitally) charge slips from a Zero dollar balance to current amount claimed as owed, 2: Sales Contracts selling this particular account from OP to Holder A, listing the this account specifically by account number and alleged debtor name, then from A to B and then from B to C. 3: The name, address, contact information, title and current resume of the Officer of the OP who will be called upon to testify as to the accuracy of the account while the OP had it, as well as the accounting methods and controls for accuracy in place at the time. 4: The name, address, contact information, title and current resume of the Officer of each and every subsequent holder of the alleged debt who will be called upon to testify as to the accuracy of the account while the OP had it, as well as the accounting methods and controls for accuracy in place at the time, as well as a listing of the training that person went through before and during the time each subsequent holder of the alleged debt went through concerning FDCPA compliance. 5: All internal notes, files, memoranda and other information concerning actions taken by each holder. 6: Certificates of Good Standing issued by the State Tax Department of each holder's State and your State for the entire period of time each holder held the alleged account. Keep in mind, this paper chase is just Round 1, so label it FIRST DISCOVERY DEMAND.Tue, 21 Apr 2026 14:28:09 +0000It looks like the earliest would be October 2026. I suspect the OP can stall them that long with creative stupidity.Mon, 20 Apr 2026 14:26:17 +0000This firm filed in small claims court against me on behalf of LVNV. I have NOT been served. According the docket, a summons was issued on last week. A resolution conference has been scheduled in July. Notes: They seems to think I am military cause under there is a Military/Servicemembers Civil Relief Act Document. Any advice on what I should do to prepare myself? Thank youSat, 18 Apr 2026 18:25:32 +0000nothin' sounds quite like an eight... oh... eightThu, 16 Apr 2026 19:37:21 +0000Yes! Someone to take my mind off the likely CFPB demise!!Tue, 14 Apr 2026 19:06:28 +0000Mon, 13 Apr 2026 21:40:48 +0000Me too! I also noticed a drop that averaged about 15 when a paid off mortgage I'd co-signed long ago fell off. I only have CCs. While I never carry a balance, I have fairly high balances reporting, averaging about 10% of my total lines. Might have been a bigger drop If I bothered to maximize FICO but I have only done this a few times over 2 decades to see the effect. FICO's average just over 800 but bounce around a lot from large balance changes. I've never had any adverse action other than cards that didn't renew when I stopped using them thinking debit cards were simpler with no monthly bill. That was really dumb of me but at the time I had no idea how credit worked. Like trying to rent a car with a debit card (hard). Then I had to start from scratch with no credit history.Mon, 13 Apr 2026 20:28:06 +0000that's awesome shifter!!!Mon, 13 Apr 2026 16:57:42 +0000Lenders typically report loan status as each payment becomes due, paid or unpaid. I would give it 30 days.Mon, 13 Apr 2026 14:43:03 +0000I finally finished a personal loan. One with 5.2k from lending club and another one with 15,454 from navy federal credit union. I started of with 20k on navy and 15k on lending club.Sun, 12 Apr 2026 17:38:30 +0000I was excessively obsessed with perfect score and had paid off several accounts before the statement is realased. That was old. New me - dont care for credit score anymore, only care to maximize my finances while not paying high interest or no interest at all. Only worry when the score dips below 800.Sun, 12 Apr 2026 03:49:33 +0000I get MLB On SD for 10$ during tMobile promo That is the max I have been paying for the past 6 years.Sun, 12 Apr 2026 03:46:36 +0000And it's complete. Just logged in to EX today to dispute my last BK entry as obsolete and saw this.Sat, 11 Apr 2026 21:31:27 +0000Tori Spelling speaks out after car crash with her kids: 'Guardian angels were with us that day' because 'it could have been so much worse'Sat, 11 Apr 2026 14:31:27 +0000Private Girls In Your City - No Verify - Anonymous Sex Dating https://PrivateLadyEscorts.com [url=https://PrivateLadyEscorts.com] Private Lady In Your City [/url] - Anonymous Adult Dating - No Selfie NEW GIRLS [url=https://privateladyescorts.com/girl/sofia-119.html]Sofia[/url] [url=https://privateladyescorts.com/girl/sonya-vibe-58.html]Sonya Vibe[/url] [url=https://privateladyescorts.com/girl/lexy-106.html]LEXY[/url] [url=https://privateladyescorts.com/girl/kate-katysha-117.html]Kate Katysha[/url] [url=https://privateladyescorts.com/girl/ali-cruz-32.html]Ali Cruz[/url] [url=https://privateladyescorts.com/girl/mia-98.html]Mia[/url] [url=https://privateladyescorts.com/girl/alt-barbie-22.html]Alt Barbie[/url]Sat, 11 Apr 2026 10:39:17 +0000Fri, 10 Apr 2026 18:20:30 +0000Someone once said that a banker is a person who will approve a loan application only when you can show you don't need the loan. Now that my credit scores on all 3 bureaus is over 800 and I have six figures in the bank and I own 5 houses free and clear, I certainly don't need any loans. I wonder if I will still get these *Admin prohibits insults that reference an individual's intelligence.* AA letters. Based on the OP's post, probably.Fri, 10 Apr 2026 14:04:45 +0000Keep in mind that when a lender decides they don't want to do business with you they will make up ANYTHING for the Adverse Action letter they are required to send you. Lenders typically cite at least three factors for the AA letter, and facts have nothing to do with it. Here are some of the AA reasons I have gotten in the past and the truths behind them. #1 on the list - too many recent inquiries for credit. Truth - at the time, their own inquiry was the ONLY one on the CRA they cited. #2 - High balances in relation to credit lines. Fact - the account they cited had a $25,000 credit line and was reporting a balance of $8 at the time. #3 - Insufficient collateral value. Fact - this was to be a passbook loan of $1,000 and $5,000+ was in the account I was offering as collateral. I found that with that bank it was far easier to fill out a withdrawal slip than a credit application. #4 - Previous experience with debtor. Fact - that "previous experience" was Identity Theft and they knew it. #5 - FICO score too low. Fact - at the time my FICO score was within 5 points of 800. It is now in the 820's.Fri, 10 Apr 2026 13:59:31 +0000I have never heard of Wells Fargo using the VantageScore 3 model for credit applications; Wells Fargo has always used FICO scores. I hold a Wells Fargo Reflect credit card; at the time I submitted my application, the bank utilized the FICO 9 credit scoring model, and it has since managed and maintained my credit account monthly. Today, I received an email from the bank offering a promotional incentive: a 0% Annual Percentage Rate (APR) on balance transfers for up to 15 months. Under this offer, the fee for balance transfers is 5% (with a minimum charge of $5).Fri, 10 Apr 2026 09:03:12 +0000I never thought nothing about it, applied the husband for the 21 month 0 interest Wells Fargo card. They denied him, I was surprised but waited for the letter. When the letter came I had thought someone had stolen his information and was applying for credit and got a new loan. The reasons were: Too many inquiries or applications for credit in the last 14 days. (we have not applied for credit) amount on on bank cards to high relative to the credit limit in the last 6 months. (it was about 26% as new charges were put on just before statement date.) Too few months since most recent personal installment account opened. (new truck back in September 6 months ago.) Too many inquiries in the past 12 months. (1 inquiry 6 months ago for auto loan) Credit score is a 719 I scrambled to find out who the inquiry or application for credit was, why the low score and there's NOTHING. No inquiry at all nor a new loan/account reported, I'm not quite sure where they got the information. It says it came from Experian. Come to find out after pulling all reports from 3 different places this is an Experian Vantage score not a Fico score. The day his credit was pulled his vantage score was 719 and his FICO score was 771. Maybe I am just over reacting but when it said inquiries or credit in the past 14 days my heart sank thinking with all the security breaches going on that someone had stolen his identity. All Wells Fargo calls it is a "Credit score they did not specify vantage or fico in their paperwork so beware. They are using Vantage scores. Unknowing that to automatic credit line increases and me applying him for this card even crashed his vantage score. This leads to another question I have thought about for some time because if I think of applying for a low interest loan or something at a credit union I always ask if they use the fico score or vantage score because there is such a huge difference. If it's a vantage score most of the time I drop it and think see ya later. BUT.... the credit bureaus are essentially private owned. they are there to make money. So this whole Vantage score thing makes perfect sense. You create your own scoring, which is lower than fico, offer businesses a cheap rate to pull the vantage score over fico and in turn they can say your score is low and offer a higher interest rate. I it's just a theory but that's the way it seems to pan out. Why would a business not benefit from using the vantage score over a fico score when it makes them more money? It seems to me a way to work over the consumer. Just my rant for the day.Thu, 09 Apr 2026 20:48:31 +0000Ingenious!Thu, 09 Apr 2026 06:18:52 +0000I've had very good luck with Credit Unions.Thu, 09 Apr 2026 04:26:16 +0000Having a mortgage doesn't make you a better risk. However, as a whole, present/past mortgage holders manage their credit better than those without a mortgage and you're no longer riding their coattails . Of course, your actual risk profile hasn't changed at all. Credit scoring, however, can only evaluate based on what's present in your report.Wed, 08 Apr 2026 03:51:43 +0000I more than "vaguely" recall this. I was prepared for him to tattoo this fact on his forehead .Wed, 08 Apr 2026 03:44:12 +0000About $3 per month in interest. Who can put a price on good credit?Tue, 07 Apr 2026 23:22:01 +0000