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mrsmissyann

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  1. Has anyone heard of adverse action for putting Lasik on a credit card? My friend is thinking about doing this, and I wasn't sure if there would be any possible AA. She put a deposit down already, and she owes $2000 still. She wants to put this on her CC, and pay $1000 off immediately. Then she wants to pay the remainder off the next month. She could pay it all in full up front but she wants to keep the extra cushion in her savings instead. Didn't know what to tell her. I know some CC companies don't like to see certain purchases on CCs, but I was wondering if this would be one of them. I'm als
  2. In regards to the overdraft fees, I suggest that everyone read up on their contract to find out what their banks will charge them for "overdraft protection." Most normal people would rather be declined for insufficient funds than charged an exorbitant amount for this "courtesy." If you don't like what they will potentially charge you in a situation like this, then un-subscribe to your bank's overdraft protection program. As added protection too, some banks will also let you set up alerts to inform you of when your account gets below a certain threshold amount. I suggest everyone looking into t
  3. I've always found it very easy to have name variations and address variations removed. I'd try a friendly phone call first and foremost. Simply tell them that x, y, z name variations are incorrect, and that you'd like them deleted. When I did this in the past, all 3 CRAs gave me no trouble whatsoever. Good luck!
  4. The first thing you need to do is to pull your credit report from all three credit bureaus. You need to find out whether or not this is currently being reported to the credit bureaus. If it is, I would suggest trying to do a pay for delete. That means you offer to pay them in exchange for them deleting this item from your credit report. Research pay for deletes. Communicate only in letters sent via certified mail return receipt. No phone calls. Document everything you can. If it isn't being report, I would suggest trying to negotiate a settlement. You said they want a 50% payoff. Do you mean t
  5. Both. It depends on the specific CC. Is there a specific CC you are asking about?
  6. This particularly affects me since my husband is in the military. I agree that they should lose their jobs if they lose their security clearance. They knew they needed to maintain that security clearance, and they lost it. That's their own fault. That's just what I personally feel. Beyond that, I think pretty much everyone at DFAS should be fired anyway, haha. None of them can seem to do their jobs properly. It took my husband 1 1/2 years just to get his travel pay from when he came back from his deployment to Iraq. They need to fire a boatload of people in my opinion. Hire some trained monkey
  7. I do not recommend fifth third bank. I only had a savings account with them, but I had an absolutely awful experience. In short, my husband and I had a savings account with them. Additionally, my parents in law had a checking account with them. Some genius at the bank LINKED OUR SAVINGS ACCOUNT WITH NEW CHECKING ACCOUNT!!! My in laws received one of our very large savings deposits, and they assumed it was my mother in law's Christmas bonus from work. They used it, bought Christmas presents, paid their bills, etc. They assumed it was her Christmas bonus and their money for two days. It wasn't u
  8. I have USAA. I love it. It's very user-friendly. My only real complaint about USAA is that you have to go through several screens in order to pull your daily report. I don't mind it much though, since it's all for extra safety precautions. It's very easy to understand. USAA is also pretty inexpensive at 12.25. CCT is 22.95. They will sometimes lower their price to 9.95, but it is only for a few months, and they basically give you random prices. On the same day within an hour they gave me a 9.95 price, but they told my husband that he couldn't get a price lower than 17.95. Its been a refreshing
  9. LoL, you keep saying "you", but its not me! I understand what a dunning letter is, but trying to figure out IF a dunning letter must be sent due to a court case. I'd like to know if litigation amounts to a collection, and whether or not a plaintiff must adhere to the FDCPA. So, I'd appreciate if you could link me to caselaw where it shows that a dunning isn't required after collection (litigation) begins. You, me, we, he, she, it, whatever... the information is still the same, whether it is for you or for your "friend." You are not going to find anything that says what you are l
  10. LoL, you keep saying "you", but its not me! I understand what a dunning letter is, but trying to figure out IF a dunning letter must be sent due to a court case. I'd like to know if litigation amounts to a collection, and whether or not a plaintiff must adhere to the FDCPA. So, I'd appreciate if you could link me to caselaw where it shows that a dunning isn't required after collection (litigation) begins. You, me, we, he, she, it, whatever... the information is still the same, whether it is for you or for your "friend." You are not going to find anything that says what you are l
  11. I'm not quite sure what you mean. A dunning letter is a letter from a creditor to a consumer stating that an amount is past due. The five days that come into play with a dunning letter is that a creditor must send you a dunning letter within five days on their initial communication with you. They should have sent you a dunning letter way before the point where it got to filing a lawsuit. They do not need to send you a dunning letter after they've filed a lawsuit. You only need to receive your summons for when you are expected to show up to court. That's all that you are obligated to receive at
  12. Hedge, I will be posting one, But my face will not be in it, I think I will stick my credit card in my bra, for a nice effect! I think instead of a wearing normal bra, you should MacGuyver a bra made entirely from credit cards!
  13. here ya go, now you have 3! 867.5309 You can have a 4th... 212-479-7990 I'll let you figure out who is on the other end... HEHEHE Didn't call but googled. Me Too Ditto... I have to save that # for future reference!!
  14. I approve of girls who can handle weapons. I doubly approve of the movie "Kick-flowers" Haha, this is me and my Glock 26. I also have a Glock 36 for target shooting, but the 26 is easier for me to conceal and carry since I am only 5'0" and 100 lbs. No one expects a teeny tiny blonde girl to be packing heat... and the guy that mugged me a year ago certainly didn't expect me to be carrying a gun either! Correction: tried to mug me. My purse wasn't stolen and neither was my identity. More effective than a fraud alert! I don't give a crap what people think about the fact that I C
  15. I approve of girls who can handle weapons. I doubly approve of the movie "Kick-flowers" Haha, this is me and my Glock 26. I also have a Glock 36 for target shooting, but the 26 is easier for me to conceal and carry since I am only 5'0" and 100 lbs. No one expects a teeny tiny blonde girl to be packing heat... and the guy that mugged me a year ago certainly didn't expect me to be carrying a gun either! Correction: tried to mug me. My purse wasn't stolen and neither was my identity. More effective than a fraud alert! I don't give a crap what people think about the fact that I C
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