Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


fedtrouble

Members
  • Content Count

    201
  • Joined

  • Last visited

Everything posted by fedtrouble

  1. How will this effect my Experian score? It was only 2 years old before it was deleted?
  2. The account isn't from the IRS .. it's from the United States Administrative Office of the Courts.. the one's who pay the federal judges.. clerks.. etc..
  3. Feb 10' - Orchard - $300 June 10' - Wells Fargo Dealer Services - $10,050 August 10' - Jareds - $2,200 September 10' - Fifth Third Secured Loan - $3,000 October 10' - BBRZMC - $100 October 10' - Hooters - $500 November 10' - Chevron/Teaxco - $1000 November 10' - GEMB/Amazon Store Card - $600 November 10' - GEMB/Walmart - $250 December 10' - GEMB/American Eagle - $150 Really looking foward to that 4 month CLI button from GEMB!!!!! Yes sir!!! Now it's time to sit back and let this stuff age a little bit.. and then app some more!
  4. I currently use Equifax Complete, My Privacy Matters, CreditSecure and USAA. Any more that I can add to help me??
  5. Recently I wrote about having an account pop up on Equifax and TransUnion. First the account was listed as positive on Equifax and negative on TransUnion. Some how it got put under investigation by Equifax and subsequently was verified and was changed into a collection and a balance added. I do believe that my investigation with TransUnion resulted in a deletion. So I contacted the comany DPT Treasury, the lady informed me that the debt was passed to them from the Administrative Office of the Courts (Federal Courts), I called the Administrative Office of the Courts and they do not know where the debt came from. So I called the Department of Treasury back and was told by the lady not to worry about it because it was discharged in bankruptcy. But this account has caused my score to drop on Equifax. This is what the account looks like: Account Number:2010191XXXX Current Status:N/A Account Owner:Individual Account. High Credit:$2,146 Type of Account N/ACredit Limit: Term Duration: Terms Frequency: Date Opened:07/2006 Balance:$2,145 Date Reported:12/2010 Amount Past Due:$2,145 Date of Last Payment:12/2010 Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity:08/2006 Date Major Delinquency First Reported: Months Reviewed:N/A Creditor Classification:Government Activity Description:N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed:10/2010 Type of Loan:Collection Agency/Attorney Date of First Delinquency:N/AComments:Consumer disputes - reinvestigation in progress, Collection account US DEPT OF THE TREASURY Dms-Credit Bureau Reportin PO Box 830794 Birmingham, AL-352830794 Account Number: XXXXXXXXXXX Current Status: N/A Account Owner: Individual Account. High Credit: $2,146 Type of Account N/A Credit Limit: Term Duration: Terms Frequency: Date Opened: 07/2006 Balance: $2,145 Date Reported: 12/2010 Amount Past Due: $2,145 Date of Last Payment: 12/2010 Actual Payment Amount: Scheduled Payment Amount: Date of Last Activity: 08/2006 Date Major Delinquency First Reported: Months Reviewed: N/A Creditor Classification: Government Activity Description: N/A Charge Off Amount: Deferred Payment Start Date: Balloon Payment Amount: Balloon Payment Date: Date Closed: 10/2010 Type of Loan: Collection Agency/Attorney Date of First Delinquency: N/A Comments: Consumer disputes - reinvestigation in progress, Collection account I see all types of errors such as the Date of Last Payment, Actual Payment Amount and Date Closed. The Treasury Department told me they do not have this account anymore and it was returned to the Administrative Office of the Court. What is the best way to get this removed? Anyone heard of this? Heck, the Adminstrative office of the Court doesn't even know what it is for. Also, this debt wasn't included in my Bankruptcy, but I don't have a bankruptcy reporting on Equifax. :-) Advice on Removal.. Jack Attack? Thanks!
  6. Doesn't GEMB mostly pull TU? Every single one of mine have been and most entries in the CP database are, too. When DH app'd for WalMart and Old Navy earlier this year, they pulled EQ... Actually the Card showed up today on my reports.. It reports as a 250 CL... so that is nice.
  7. The Experian is a FAKO and it is Frozen.. WalMart pulled Equifax a week or so ago and I had 14 inquiries... but when I apped for Amazon yesterday I had 0... So I'm assuming that is one of the main reasons the difference in the CL for the two cards
  8. Doesn't GEMB mostly pull TU? Every single one of mine have been and most entries in the CP database are, too. I have Experian and TransUnion on ICE! So they pulled Equifax
  9. I'm assuming its FAKO since EX you can no longer get from MYFICO.com. Yeah.. its FAKO the others are FICO... when I apped for my Mortgage on 9/15/2010 the contents of my report were this Experian 627 Delinquency and public record or collection filed length of time accounts have been established Number of accounts with a delinquency Time since derogatory information I had six inquiries I had 4 dergoatory accounts. I can only assume that since then it has increased quite a bit.. well hopefully!
  10. I'm supposed to be sleeping.. but it isn't coming.. so I'm waiting till 12 so I can check my Equifax! :-?
  11. I have to agree.. Equifax is a pain in the a** to deal with on the phone.. but they are the easiest dispute via mail.. TransUnion never talked to anyone on the phone, and they give a little play with the mail.. My ranking used to be Equifax, TransUnion, Experian.. now it's Equifax, Experian, TransUnion.. :0)
  12. They were originally CA accounts with Absolute Collections, they were discharged in Bankruptcy and labeled as IIB'ed. I tried the Jack Attack Method to get them removed. Tried the WhyChat HIPPA Process to get them removed. I tried every trick I could find but I could not get these items removed. So I did the thing all CB members say and called the CRA. EXPERIAN!!!! The first lady transferred me to the Special Section of Experian. I small talked with the lady on the other end of the phone, found out she lived in the same area my mother does and we watch the same TV shows. So she asked me what was wrong with my report and I told her the two collection accounts, three inquiries, one bankruptcy and quite a few addresses. So she started with the addresses, deleted all but my current address and my previous address which I just moved from. Then she deleted the inquiries (they were not associated with any tradelines). Then she moved on to the collection accounts and deleted them without hesitation. She attempted to delete the bankruptcy but it would not let her. She tried several times, and then told me that she would put it under investigation and it might be removed then. So I sit and wait wondering if the last negative item on Experian will disappear quitely. MARRY THAT WOMAN...!!! Not until that Bankruptcy gets deleted!
  13. Is it true once you get your first GEMB card and do well with it, its alot easier to get other GEMB cards?
  14. Thanks! It's time to put them all on ICE for six months! Then App some more.. B* the inq off.. and get to rolling again.. Hopefully I can get a higher CL than 1K...
  15. After being declined multiple times by GEMB, I received a letter today from Walmart telling me I needed to call. Called and they asked some security verification questions.. boom.. approved for a 150 CL.. Wahoo.. Small but a start. So I decided to app with Amazon... waited several hours, called, questions asked.. Boom 600 CL.. .Yay!!! 750 added to my total CL today! Happppppyyyy.. Small but a start!
  16. Apped with hooters on 9/30/10 got approved 10/31/10! Nice wait time!
  17. Has anyone IIB'ed citi and paid them off and been able to get off their blacklist?
  18. They were originally CA accounts with Absolute Collections, they were discharged in Bankruptcy and labeled as IIB'ed. I tried the Jack Attack Method to get them removed. Tried the WhyChat HIPPA Process to get them removed. I tried every trick I could find but I could not get these items removed. So I did the thing all CB members say and called the CRA. EXPERIAN!!!! The first lady transferred me to the Special Section of Experian. I small talked with the lady on the other end of the phone, found out she lived in the same area my mother does and we watch the same TV shows. So she asked me what was wrong with my report and I told her the two collection accounts, three inquiries, one bankruptcy and quite a few addresses. So she started with the addresses, deleted all but my current address and my previous address which I just moved from. Then she deleted the inquiries (they were not associated with any tradelines). Then she moved on to the collection accounts and deleted them without hesitation. She attempted to delete the bankruptcy but it would not let her. She tried several times, and then told me that she would put it under investigation and it might be removed then. So I sit and wait wondering if the last negative item on Experian will disappear quitely.
  19. Experian jumped from 648 to 712.. Two collections which were IIB'ed were deleted and three inquiries, along with several addresses!!!! Now if I can just get this Bankruptcy done with! THANKS CB FOR ALL YOUR HELP!
  20. Faxed a copy of my police report to Experian last Monday. In the police report it showed the Bankruptcy and Two Collection accounts along with three inquiries did not belong to me. Called Experian today and the lady told me they removed the two collections, deleted the old addresses and remove the three inquiries. She also deleted the address which the bankruptcy is linked to. She said she couldn't block the bankruptcy but she would get it reinvestigated... what chance do I have at getting the bankruptcy deleted now that the address it's linked to is gone?
  21. Prior credit crisis anything over 30% received a second review. Now I think lenders are nervous with util under that. Utilization is a factor on one card (your Jareds) AND across all cards that report to the bureaus... Thanks for that. I'll just make a bigger payment and waaaaaaiiiiiitttttttt.. till Jareds updates my credit report. Sucks they take so freaking long to update the credit report. It's a month behind. :-(
  22. Was denied by GEMB because they said my Utilization was too high. Current overall utilization is 43%. 1400 reporting on total of 3196. But all that is on one card. Jareds. It's 68%. I've been taking advantage of their 0% intrest and trying to build a nice payment history with them. What are creditors ideally looking for? Thanks
  23. I received my EWS report today and this is what it said: "Obtaining (or attempting to obtain) a new banking relationship or taking over (or attempting to take over) an existing banking relationship using: (a) all or part of another individual's identity and/or credentials; or ( a ficticious identity and/or credentials." The contribution date is 4/11/2006. Just want to get this taken off my report!!! THANKS!
  24. Like I posted, from what successful CLIers and the CSR at Hooters have said is that they're not looking for PIF, they're looking for you to carry a balance of greater than 50% of your limit. Just major usage doesn't seem to cut it- it looks like they're looking for you to pay interest. For me, that's a great deal. For others with many card options, probably not so much. I'd carry a balance if my CL wasn't 500.. If it was 2000 I would have no problem. I'm using it .. paying it through bill pay .. about 480 twice a week

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines