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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 also not sure what CC she has either, but I know her utilization would be well under 10%. Anyone have any input on this? Thanks!
  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 those. As for the fraudulent charges, good luck. I don't have much help to offer there, sorry!
  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 they need a 50% payment or they will accept 50% as payment in full? Regardless, try to negotiate a lower payment as payment in full. Just make sure that you get it IN WRITING from the company that they will accept xxx amount as payment in full. Even though you didn't want the gym training, you signed a contract (I'm assuming). So you owe them money. If you simply skirt them and try to avoid paying, they can severely damage your credit. If it's not already on your credit report, it could be quite soon. If you refuse to pay, they will most likely sell your account to a collections agency (if they haven't already) that will try to hound you to get the money from you and will report this account negatively to the credit bureaus. Good luck!
  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 monkeys or something... they'd do a better job than the current employees at DFAS.
  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 until we started complaining about XXXXX amount of money being missing from our account and the bank doing nothing whatsoever to get us our money back that we all realized that they had gotten the same exact amount deposited into theirs just days ago. The bank couldn't even figure it out, WE were the ones that had to. We spent hours on the phone with them, because they insisted that we made withdrawals! Of course they returned the money, but if our account had gotten linked with anyone else, we might never have gotten the money back. Fifth third's entire attitude about it was just disgusting. No apologies, no groveling, nothing... for what was very obviously a huge mistake on their part! We had them for less than two months. Our in laws don't bank there anymore either, and we will never bank at the same place as our in laws again for fear of another account mix up. I'd never tell anyone to bank at fifth third for anything. Don't even borrow five bucks from them! End of rant.
  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 change with USAA to not have to play silly pricing games. I 100% recommend USAA. As for the FAKOs, well they are FAKOs. End of story. They are not to be taken seriously. They use entirely different modules to calculate their scores. Sometimes they are close, sometimes they are not close. It's pretty much a guessing game with FAKOs since that's all they are really doing- try to guess what your FICO may or may not be. It's almost always wrong.
  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 looking for. To be quite blunt, it is completely unrelated to litigation. It's like asking someone to provide documentation that the creditor is not required to send you an alligator when they file a lawsuit against you. You're just not going to find that because that's way off base. The two things are not related. Regardless, as I said before, a dunning letter should have been sent by now. I guarantee a dunning letter has not only been sent but that it has also been followed up several times by several different letters in an attempt to collect on the debt outside of court. Creditors do not tend to jump immediately into the lawsuit process. They attempt to collect on the debt outside of court first. It is simply because it saves creditors time and money if they can get paid quickly and easily outside of court. Beyond that, please read the FCRA and FDCPA yourself. That is the best way to learn, and it's the best way to find anything potentially relevant to the case. Especially since you haven't said anything that indicates any FDCPA violations occurred, or anything in regards to the FCRA at all, since you haven't told us how this is being reported. Doing the reading can seem time consuming but it ultimately saves time since you will have immediate access to all of the necessary information. FCRA FDCPA HAHAHA, you're too funny. So.... You can "guarantee" me that a dunning letter has been sent. I stopped reading what you had to say after that comment! Trust me, I'll be ignoring what you have to say from now on! Try telling that "guarantee" to those who never EVER received a dunning letter from CRA's! LoL, its also funn that you say; "I guarantee a dunning letter has not only been sent but that it has also been followed up several times by several different letters in an attempt to collect on the debt outside of court." Please, if you're not going to specifically address my question, don't bother replying, especially when you turn around and tell me to read the FDCPA and FCRA. YOU need to go back and do your home work, under the FDCPA, creditors aren't required to mail dunning letters! Excuse me for pointing out that what you are saying does not quite add up. Creditors very rarely do not send dunning letters. Yes it does happen occasionally but it usually does not. Why? Because they want their money and they don't want to have to spend their money going to court to get it from you. Plain and simple. You state that this is not you, it's your "friend." So how can you really trust 100% for sure that your "friend" never received any letters whatsoever? I can't even begin to count the number of people who claim to never have received anything when in fact they received numerous letters. I did address your question. You just didn't like what I had to say. That's not my fault. It's also not my fault that you do not want to read the FCRA or FDCPA. If you really want to help your "friend" though, then I would suggest you read them. Especially when you make such a blatant mistake as to state that nothing in the FDCPA requires debt collectors to send a dunning letter. Under the FDCPA, section 809A, debt collectors are required to send written notice within five days after initial communication. AKA a dunning letter. Section 809 (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing— (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I've done my homework. Now do yours too before you get so darn snippy.
  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 looking for. To be quite blunt, it is completely unrelated to litigation. It's like asking someone to provide documentation that the creditor is not required to send you an alligator when they file a lawsuit against you. You're just not going to find that because that's way off base. The two things are not related. Regardless, as I said before, a dunning letter should have been sent by now. I guarantee a dunning letter has not only been sent but that it has also been followed up several times by several different letters in an attempt to collect on the debt outside of court. Creditors do not tend to jump immediately into the lawsuit process. They attempt to collect on the debt outside of court first. It is simply because it saves creditors time and money if they can get paid quickly and easily outside of court. Beyond that, please read the FCRA and FDCPA yourself. That is the best way to learn, and it's the best way to find anything potentially relevant to the case. Especially since you haven't said anything that indicates any FDCPA violations occurred, or anything in regards to the FCRA at all, since you haven't told us how this is being reported. Doing the reading can seem time consuming but it ultimately saves time since you will have immediate access to all of the necessary information. FCRA FDCPA
  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 this point.
  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 CCW. I know how to handle myself. P.S. Pic was taken just today, too lazy to fix date on cam. Very Nice! I also have a CCW (and sometimes pack my Ed Brown Kobra Carry). Ladies, do not let yourselves be a victim. (Although, you should NEVER have your finger on the trigger until you are ready to fire - Rule #1). Thanks, but I'm not an salamander. I know the basic rules of gun safety. I had just dismantled and cleaned my pistol and it was 100% empty so there was absolutely no harm whatsoever. Many people have been killed when the firearm was 100% unloaded. Stay safe. No, no one has ever been killed by a firearm that was unloaded. People have only been killed by firearms they *mistakenly* thought were unloaded. And people have been killed by their own lack of education on how to properly check to see is a gun is loaded or unloaded. But guns don't spontaneously give birth to bullets.
  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 CCW. I know how to handle myself. P.S. Pic was taken just today, too lazy to fix date on cam. Very Nice! I also have a CCW (and sometimes pack my Ed Brown Kobra Carry). Ladies, do not let yourselves be a victim. (Although, you should NEVER have your finger on the trigger until you are ready to fire - Rule #1). Thanks, but I'm not an salamander. I know the basic rules of gun safety. I had just dismantled and cleaned my pistol and it was 100% empty so there was absolutely no harm whatsoever. And I didn't check to see if it was empty by sticking my face in front of the gun in case you were going to state the obvious again...

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