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BobMango

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  1. I applied for a CLI from Capital One about 2 weeks ago. Got the 7-10 day message. Not surprised since I have an identity theft alert. Nothing after a week an a half, two days ago I get a call asking for information to confirm that I was the one that requested the CLI, says I should see the increase on my account in the next two days. I checked yesterday and they had raised it from 7k to 9k. My scores are around 720 and I have probably charged and paid $10K on that card over the last six months, had a $700 balance when I hit the button. In contrast I applied for a second USAA card toda
  2. I had them flag my card once when I went and filled up my truck at the gas station and then went and bought $400 in tools at Home Depot. They said that was a common fraud pattern. Thieves get the card, check to see if it works at a gas station and then hit some other store for a higher value item. I really don't mind the alerts. What frustrates me is when they call with actual fraud while the transactions are still pending and tell you they have to actually process before you can dispute! WTH!? If you know they are fraudulent, why let them go through? In my wife's latest case the fra
  3. I have a Venture One with a $7,000 credit line. My FICO is 722 (the real one) and the account is usually PIF. I did have a recent balance of about $900 when I requested a CLI. Got the 7-10 days message last Friday.
  4. I got a red light ticket in Albuquerque back in 2009. This was for a right hand turn on red where they made the yellow 1 sec shorter than the regular yellow and I missed it by .01 secs. I never paid the ticket. In New Mexico they couldn't make it a moving violation (something about needing to be witnessed by an actual officer) and didn't want to hassle with identifying the driver, so they made it a public nuisance violation against the vehicle. They would threaten to impound your vehicle if you didn't pay, but it didn't affect your registration or insurance. I had a collection agency c
  5. BobMango

    culling

    I just closed my lowest limit card ($700 Cap One) about a month ago. They would not CLI and wouldn't allow combining with my other Cap One. All of the rest of my cards range from $7K to $21K. It was also my oldest and dropped my AAOA from 5 years to 3.5. Not sure how much it hurt as I'm in the process of refinancing my house and my credit score was 722 when I applied.
  6. I was able to successfully have a state tax lien removed as "filed in error". I got a copy of their procedures manual for collections and pointed out that they had not followed their own procedures (I had moved out of state, filed taxes from my new address and they failed to provide notice to me at my new address, or to do any of the other steps to locate me before issuing the lien) and so denied me my right of due process. They removed the lien and canceled the tax debt (which I in fact owed.) This was with the California Tax Redemption Board, which never walks away from a dime. I'd
  7. Final follow up to this thread. After receiving the corrected escrow analysis, there was still a problem with the escrow account balance which left a shortage of something like $1500 give or take. After numerous calls and regular correspondence didn't resolve the issue I finally sent in a Qualified Written Request (QWR) and sent in payment for the amount I had calculated was due, which was about $130 short of what they wanted. They received the QWR on Monday and called on Wednesday about the short pay. I let them know I sent a QWR and would be willing to pay the correct amount once they ac
  8. I sent a Qualified Written Request (via CMRRR) to my mortgage company in regards to an error in my escrow account. I used the address for correspondence, but I noticed today that they have an address on the site for "Information Requests" that is identical except it includes a mail stop. I have seen where mortgage companies have denied receiving QWRs if not sent to the correct address, so my question is, if everything else on the address is identical, i.e. Street and Number, Suite Number, City, State and Zip is it likely that a court would agree that the QWR was not received if the mail s
  9. Oh yeah, I'm good with it now that the numbers are right. Thanks.
  10. ^^^ This I had tried to dispute some inquiries that were from an identity theft incident last year. The CRAs would not remove even with proof of the identity theft (Verizon statement, police report, etc). They required me to contact the reporter and get them to pull the inquiry. I had to figure out who to contact and then wrote the letters but it really made a difference of only 2-3 points and was not worth the effort, let alone even really thinking about it.
  11. The following is offered without commentary, just a data point of my experience with each of these card issuers. About two weeks ago I hit both Capital One and NFCU for a credit line increase on the same day. Capital One had given me a $500 QS1 before my bankruptcy was discharged and raised the limit sometime after that to $750. It's been at $750 since about 2012 or so. I use the card regularly for gas and groceries, and generally pay if off each month, sometimes carry a balance of $74-$100. NFCU granted an initial credit limit of $1500 about 1 year out of bankruptcy, then automa
  12. Follow up: Looks like they have made the corrections I requested. I haven't received anything official from them yet, but the numbers have been updated on the website. Their original analysis was going to have me paying $873.63 a month for escrow (including shortage), versus my current escrow payment of $484.09. After reworking the analysis with the correct numbers they have come up with a number of $492.05, or about $8 more per month than I currently pay.
  13. Yes, the county just took the overage and applied it to the April 2016 half payment, so the amount due in April is now $1,696, instead of the $2,696 scheduled, and definitely not the $3,696 that the mortgage company seems to think is due. I have sent them the information from the county along with my corrected calculations so they have everything they need to correct it, just wondering if anyone else has experienced a similar problem.
  14. I received my annual escrow analysis last week and it indicated that I have a $2,600 shortage. As a result they are going to raise my escrow payment by $180 a month, and if I don't pay the shortage they will add another $220 per month to make up for it. The problem is that they screwed up and over paid my property taxes last year by $1000. Then, they assumed that the new half year tax payment was going to be the $1000 over paid amount ($3,696 every 6 months). That is where they came up with the shortage in their analysis. I called them up and they indicated I would need to send proof o
  15. Assuming PA law would control, then this could come into play: § 3387. Claims not due; certain to become due. Upon satisfactory proof or admission of a claim which is not due but certain to become due, the court may provide for payment by one of the following methods: (1) Awarding the present value of the claim, as agreed to by the claimant and the personal representative. (2) Ordering the personal representative to retain or pay into the court sufficient assets to pay on maturity of the claim the whole amount then due, or a proportionate amount in case of insolvency. In other
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