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  3. Red Flags Rules

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  4. Knowing's Not Enough

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  5. Spot Deliveries

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  6. Loan To Value

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  7. Doc Fees

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  8. Security Freezes

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  9. When Dealers Go Bad

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  10. GAP Insurance

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  11. Dealer Reserve

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  12. Lemon Law By State

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  13. Indirect Lending

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  14. Direct Lending

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  15. VIN

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  16. Captive Finance

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  17. Auto Loan Markups!

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  18. LEASE VS PURCHASE 1 2

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  • Our picks

    • What exactly does this mean?
       
       
      Sent from my iPhone using Tapatalk
      • 20 replies
    • Hello everyone!
       
      I am making this post because I am looking for some help brainstorming my next disputes for these two charge-offs. I have gotten these accounts deleted from Equifax and TransUnion, but I have not had any luck getting Experian to cooperate. I wanted to see if the community had any insights on what I might try next. I pulled these from my online Experian dispute portal (I also have the paper copies, but this was easier to upload and is nearly identical). There are so many different philosophies out there about disputing that I thought putting these out there might elicit some ideas I haven't tried.
       
      On my paper reports, I have noticed that the balance shows as "not reported," but online it shows a dash where the balance should be. Both of these accounts are settled and I do not owe them any money, so I think a good argument can be made that the account must be reporting a $0 balance in order to be accurate. However, I have already disputed this issue with no success. The other thing I noticed is that BofA shows the full charge off amount was written off ($7,358) whereas Citi reports that $0 was written off. If these are both accounts that I settled with the original creditor that were not sold to debt buyers, then why would they show different numbers here? In addition, the account are not reporting the "disputed by consumer" notice, even though I have already disputed these with both Experian and the banks directly. Do you all have any advice/recommendations? Is there anything I am missing? Citi did send me a letter saying they would update the balance to $0, but that has not happened (and more than 30 days has elapse since then). Thank in advance for any guidance you can provide.
       
       
      • 6 replies
    • Since my first store credit card in the summer of 1992 (JC Penney), Experian has used some form of subterfuge to decimate my credit rating with them.
       
      Their latest attempt to hornswoggle my credit report is actually frustrating me to the point of driving to their nearest corporate office (Schaumburg, IL).
       
      I have disputed items that are both obviously incorrect to the human eye and to the CRA. They verify the items and finish my dispute at 4:09AM.
      I request a reinvestigation. They verify it and finish the reinvestigation at 6:12AM.
       
      My report is in Special Handling, so I am confused as to why some pissed off Bangladeshi is completing my requests (as evidenced by the time of completion) instead of someone stateside.
       
      Nonetheless, I am overnighting 8 separate MOV letters to Experian requesting that they tell me who they spoke to at Montgomery Ward, and why an online catalog store told them I have an unsecured loan with them (when they do not offer such). Or how Gettington can tell me they cannot find anything they shipped to my non-existent address, yet can verify an account with Experian. (to name a few of my grievances).
       
      I am simultaneously sending each of the 8 companies a "Hey, can you tell me who you spoke with at Experian" letter. I fully expect all 8 to tell me "WTF are you talking about? Nobody from Experian contacted us."
       
      With paperwork in tow, I will find an FCRA attorney to hit them with 8 counts of FCRA malfeasance. I will look to settle with them for emotional damage, the violations, cost of preparing all notices (at $25 an hour) and whatever else is deemed just and proper.
       
      At this point, I'm not sure its about getting items removed anymore; it is painfully obvious that Experian (et al.) has a penchant for shoving the proverbial ham candle up the consumer's keister, sans lube, and intends to continue to do so with little (if any) oversight for all of eternity.
       
      I am still unsure if I can file action against LexisNexis for freezing my report in accordance with Georgia law (I am a Hoosier), and for referring to me as a female (my wife will verify my manparts if needed).
       
      Guess I am looking for input, and possibly some caveats, before firing these letters off.
      • 19 replies
    • - Credit "Mix" -
       
      Are Co-Branded cards classified as Retail or just another Revolving (CC) account?  My goal is to retain a "Retail or Store card" even though I loath store cards and thus I would choose a Co-Brand over the other if I had a choice.
       
      I've noticed that different reporting, scoring and evaluation models/methods categorize accounts differently such as Lines Of Credit (LOC) are sometimes labeled as Revolving, Other, or Loan.
       
      I have plenty of (Bank) Revolving CCs and LOCs however, some evaluation comments chastise me as I have no Retail (Store) accounts.  I figured, "OK.  Fine.  I'll get one".  Then I stepped into a pile of muck because of terminology and that's why I mentioned the above varying labels and need CB's member help. Please.
       
      In my quest, I saw Target and Macy's have relatively-highly regarded (Retail) Store Credit Cards and as well, they have Co-Branded cards by Master-Card (Target) and Am-Ex (Macy's).  I decided to go for the co-branded cards rather than the dreaded Retail card...  That's when that pile of ignorant muck grabbed my foot and ankle preventing me from moving forward and thoroughly froze my brain - solid.  I'm stuck.
       
      Are those co-branded cards classified Bank, Retail or Co-Brand Cards?
       
      And yes, Home Depot and Lowes as well as many others have Co-Branded, Retail(?) cards.
       
      Thanks in advance for the shared knowledge. 🖕
       
      • 13 replies
    • Hello,
      new to the forum (glad I found it) , I have a collection agency called Simon's agency which is trying to collect on an already paid debt , I have reported this to the CFPB but I need your advice on how to proceed further.
      Any help highly appreciated .
      • 5 replies
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