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mannyj

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  1. Got an update on this. I’m in the process of moving so I don’t have all of my records at my disposal since much of my things are still in storage. However, I was able to locate one of the last payments I made to the OC (Fingerhut) a screenprint with transaction ID showing before my payment the balance on the acct was 477.00 then I made an a payment for 238. The tricky thing here is I found an email from 2016 with response back from Fingerhut where I was disputing the charges of 477 on the account and I believed the true balance at the time was $238.97 which is what I paid. A representative responded via email which I have stating they no longer had the account and could not provide any additional information. I tried calling Fingerhut again today to see if I could get any information at all and both the credit and collection department had no information in their system whatsoever for me, how should I proceed with the CA? (sorry for the long post)
  2. I'm afraid you may be correct, that is the date that is listed on the Exp report. It says on record to May 2021. I can't have that on my report unpaid.
  3. Ok I managed to put my hands on some notes I took when the CA called me. Opened: 9/2013 Closed: 1/23/2015
  4. I asked for the DOFD to be verified in my kitchen sink letter but it appears Experian did not provide that it just came back "Verified" updated with not much info at all changing. Should I send another letter specifically asking the CRA to verify DOFD?
  5. I do not, recently moved a lot of stuff is still in storage. I believe this may still be under sol for NY. If I remember correct I successfully disputed the OC off.
  6. Hegemony...long time, howdy! I actually don't know the DOFD because the OC is not reporting and this collection junk buyer agency just has a line item that says, "On Record Until May 2021" The OC info they have in the historical info field says First Reported 8/2019 (This is clearly not the DOFD)
  7. I joined this board in 2010 and it took years and hard work to get all the baddies off my report (Thanks CB). Then out of the blue I get a baddie on my Exp report from a CO named Williams & Rivera Litigation. They are trying to collect on a old Fingerhut account that is no longer reporting. I attempted a old WhyChat kitchen sink type dispute letter that has worked for me many many times in the past but it came back today as "Verified". My question is, what is the best approach from here? Its a $400 CO with a collection agency, the OC is not reporting anymore, I disputed them off years ago.
  8. mannyj

    Amex Delta Gold

    New York
  9. mannyj

    Amex Platinum

    New York
  10. Def chuck CreditOne. Can your secureds not graduate? You've no doubt noticed the prevailing anti-Disco sentiment here on CB but it's not shared by me; they've actually been quite good to me & helpful in keeping my scores up. For that and other reasons I'd hold on to them & see about the other secureds graduating. Walmart schmalmart, I always say (I feel about them the way the rest of CB feels about Disco; I've never set foot in any of their stores.) Personally I'd keep the Overstock since you've already taken the AAOA hit for it and Comenity cards are fairly easy to grow. More than 10K of my available credit is off of my three Comenity cards. If I had it to do over again I probably wouldn't have opened at least two of them but if they're opened anyway you can make them work for you. Credit One is super sub but they have given me two cl increases in the same amount of time I've had the secureds, all my secureds are over 18mo old, have not graduated yet I'm sick of it. CreditOne loves to hand out CLI's because they understand that a good chunk of their cardholder base consists of the type of financial ninnies who always max out their credit cards. They get no points, no status as a CB-approved lender for their "generous" CLI's. What have Disco, US, and FNBO said when you asked them for increases? They have all gave me the same excuse, "we periodically review blah blah blah, my guess is I have little to no activity on them and that's the reason they haven't graduated, I was focused on building relationships with my unsecured cards that I neglected the activity on the secureds.
  11. Def chuck CreditOne. Can your secureds not graduate? You've no doubt noticed the prevailing anti-Disco sentiment here on CB but it's not shared by me; they've actually been quite good to me & helpful in keeping my scores up. For that and other reasons I'd hold on to them & see about the other secureds graduating. Walmart schmalmart, I always say (I feel about them the way the rest of CB feels about Disco; I've never set foot in any of their stores.) Personally I'd keep the Overstock since you've already taken the AAOA hit for it and Comenity cards are fairly easy to grow. More than 10K of my available credit is off of my three Comenity cards. If I had it to do over again I probably wouldn't have opened at least two of them but if they're opened anyway you can make them work for you. Credit One is super sub but they have given me two cl increases in the same amount of time I've had the secureds, all my secureds are over 18mo old, have not graduated yet I'm sick of it.
  12. Thank you. Now that I have some respect in my wallet, can I close the subs? Credit One, Discover Secured, US Bank Secured, FNBO Secured, Overstock Store Card, Walmart Store Card?
  13. The CO with them was 2016 during my life, I COd the Amex Optima card nonetheless smh. When my credit went into the tank the first time I had the Green card, they then offered me the Optima, I took that had it for 3 yrs then a 2016 layoff caused the CO. My gut told me never to settle because Amex had always been good to me and my gf at the time had the Plat so I aways so the benefits of that card and held that as my goal. I paid Amex back in full for the CO. Then I was added as an AU by a family member a few months ago, once Amex allowed me to be an AU I knew I would have a good shot.
  14. Congrats on the AMEX approvals! How long ago was the CO with them and did you ever settle?
  15. Thanks, I believe I came to CB with a 483 years ago, built it up to 620s then took a hit with a 2016 layoff, and now Ive built it back up. I have 1 30day late that should be hitting 24mos old come this Nov. I expect with that aging it should push me across the finish line for 700.

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