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  2. BK Dispute Help/Clarification 1 2

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  3. What Next?

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  4. AMEX business card

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  5. Can anyone log into CCT?

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  • Our picks

    • So my TransUnion score is about 60 points lower than the others. On the 3rd party sites that give me my score, they mention a derogatory account being the reason so I pulled my report and there are no derogatory accounts. 
      I called TransUnion and they were no help, trying to get me to buy something. 
      So here I sit, decided to buy my TransUnion score directly from them, found it to be 9.95, 19.95 and 24.95. The lower prices are displayed but then when I log in to buy, the other prices disappear and they want 24.95 
      Starting to feel a bit bullied. 😡
       
      Any idea why my score would reflect a derogatory mark but my report does not?
       
      Thanks!
      • 12 replies
    • Hello Everyone,
       
      Happy New Year to all! Question for some pros. I disputed a Verizon Wireless collection account on all 3 CRA's. The usual "verified" thing happened on TRANS and EXP but, it was removed for EQ. 
       
      The question is, am I able to dispute again with TRANS and EXP stating that the account was removed on EQ simple and plain? If so, do I just dispute and say TL was inaccurate and removed from EQ and should have been removed on all 3, please remove?
       
      Thanks in advance!
      • 21 replies
    • Well, I exceeded an established limit set by a lender, 48.00 bucks and change.  Notice arrives referencing the delinquency having with an offer to remedy the default. Irksome is wording that implies the outstanding amount due is an amount to make the balance $0.00. While due really is a minimum payment 78.00 bucks even. 
       
      Someone with a better working knowledge of those laws regarding language, syntax, technicalities of painting, respond with insight including an answer to this question could the lender be on the hook for misrepresenting the amount, or some other infraction?
       
      To date, the account is open, no notice received of account closure wherein then the whole amount is due. 
      • 11 replies
    • Flew back into IAH the other day after spending the week in Vegas.  As I went to exit the garage, I had my parking ticket and AXP Plat out and ready to go.  IAH uses one of the machines at the exit where you insert the ticket and then it prompts for the card, and then returns both to you, with the ticket serving as the receipt.
       
      Somewhere in the time since my last departure from IAH in August, they have added a little sticker to the machine that says "No Metal Cards." They don't staff the credit card lanes with humans.  Fortunately, I had options and more fortunately, there was nobody in the line behind me being inconvenienced as I dug for a plastic card.
       
      Anyone else seeing similar things? 
       
      I am curious as to what prompted the change since they have never been a problem previously.  I do on occasion see instances where the silver mag stripe on AXP doesn't read correctly and the card has to be swiped a second or third time (not at IAH), but that wouldn't seem to be the issue here since, as noted, I have used the card on other travels without problem...
       
      I have an inquiry in to the IAH powers that be, but don't expect a meaningful reply...if one does get generated, I will post. 
      • 23 replies
    • Wondering what the best first credit card for my SO would be so she can continue to build her credit?
       
      Background: She's 21, has made around 25-30 on-time payments on her vehicle that's in her name, and has a couple years of on-time utility and phone bill payments.  She's never had a credit card before or anything negative on her credit. She has no debt other than what's left on her vehicle. She's looking to apply for her first CC to start building her credit. She is very responsible and is employed full time as a police officer. Though it's not too important to her at this point, cash back would interest her most with earning miles coming in second.
       
      What are your suggestions?
      • 14 replies
  • Posts

    • Most software's are starting to flag UPS or other mail box locations.  I suppose you could use a relatives address.
    • Actually, now that I review the benefits more closely, looks like the preferred doesn't have any trip evacuation/medical insurance.  That might just move the needle enough to make me keep the card.  Or, I might go ahead and downgrade and just purchase separate trip insurance.  Hmm. 
    • keep you updated.  I Opt-Out yesterday via optoutprescreen website.  It may take 5 days.  Is there a way to verify when it finally is opt-out?     I will follow peoples advice and will send a Dispute a letter to all 3 CRAs.   Please let me know If I am doing this correctly.    I printed the dispute form. and Will fill it out with Blue Pen.  And under Reason for Dispute, I have to write these in hand written form:   Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Please provide proof that this contract type is infact a Mortgage loan rather than an unsecured loan. Failing that, the item must be deleted from the report as soon as possible: The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Please advise me as to the correct name and current address of this creditor, the name of the account holder, and the reported date of first delinquency,as any account I might have had at one time would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Sincerely,   Enclosures: (Circled account(s)) -------     Please let me know if I should add the Red marked above.  Or I should go generic and hope they cannot verify the loan?  I am confident that the loan is an unsecured loan, rather than a Mortgage loan (Secured) that is being reported and actually holding up my pre-approval for a Mortgage loan.
    • Clickbate from Credit Karma erroneously alerting me of a collection I don't have.   "Hey "Me"   The collections account on your credit report* could get in the way of reaching your financial goals. If you're thinking of applying for a new financial product, come see your options for addressing that collections account. Handling your collection could help your odds of approval, as well as impact any interest payments."

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