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Everything posted by fixinmycrediks

  1. Thanks Bobbydebt! That is the kind of information I need/have not yet learned. I will include that in my response. I am going to wait until Monday to respond. Anything anyone else can think of let me know.
  2. Thanks for the responses. Untamed--do you have a copy of the information you used to file the complaint with the IL AG?
  3. Here is the response that AFNI sent to the BBB: This is in response to your letter to Afni, Inc., regarding the above referenced matter. We appreciate your assistance in bringing our consumer's concerns to our attention. In that regard, on or about May 20, 2009, AT&T Mobility (formerly Cingular) notified Afni the above referenced account remained due and owing from Mr. XXXXXX. Afni mailed Mr. XXXXXX an initial notice for this account on June 2, 2009. The underlying account is for cellular telephone services established by Mr. XXXXXX with AT&T Mobility on April 1, 2005. The acc
  4. I was thinking NFCU and Suncoast for the combo auto/cc comparison too! thanks. Foeplay...you mentioned Tradeline and DR...what is the DR? or did I miss the joke completely with Mr. Miyagi???
  5. Ok...I know I should stay the course and slow my roll. I have 1 baddie AFNI(waiting on BBB response due back 4/18) left on all three CRA's and 1 baddie $65 on EXP which I am working on to get removed hopefully in next two weeks. I have 2 CC's, HSBC $320 CL 7months no lates, CreditOne $300 CL 1 month no lates, and car payment couple lates last year, that is it. Actual FICOs showing 590's currently, so I used the FICO simulator on myfico and it showed me paying off my CC's would put my FICO score in the 643-683ish range from what I remember. Having learned the hard way my CC's paid in full n
  6. Well I filed a BBB complaint on 4/1/11. Will update results as it stated AFNI is required to respond by 4/18/11. Keeping fingers and toes crossed!!!
  7. Strange but neither have updated yet. I Checked both CCMP and CCT they still show 2 of my TL's with JAN payments. I looked at Experiandirect and it has 1 of the TL with FEB and the other TL with FEB and MAR payments. Anyone else experiencing the USAA-CCMP or CCT not updating TL's ????
  8. Yes good advice indeed H8! I am getting there and in a short time frame which I should have done along time ago. That being water under the bridge, I am trying to position myself way upstream before the bridge so I can watch the water flow and more importantly.....know. (have to add that to a one of my poems!) Ok, I just pulled Experiandirect report and it shows that HSBC updated for March on my report that confirms they do report on 30/31st. CreditOne did not update so hopefully I will see that shortly after the 9th.
  9. They pulled TU just this week on me.
  10. I would suggest (from learning on CB) to try a CU(credit union). I too just recently applied at several locations Santander(roadloans) they gave me 16.52% and the local credit union offered me 8.25%. The only problem was the CU loan wasnt high enough for the vehicle I wanted but Santander's loan did cover the car I wanted. I actually held off on car loan and learned more on here in cleaning up my credit report. If you can hold off and clean up report its worth it....at least get a app quote from your local CU. I didnt have a membership at the time of the app at the CU either. Good L
  11. I called CreditOne and was informed that they report on the 9th (4 days after due date)to the CRA's so this might help me. I went ahead and made anothe payment today to zero the balance. HSBC only said at the end of the month; I will try again to see if I can get a date from them.
  12. I have been fooling around with the myfico simulator and basically I think I have screwed myself for at least a month. Current actual FICO TU 583, if I had paid $300 down on my 2 credit cards this would take my actual FICO score up to 643-683!!! I have the funds to pay this down but since it is the 1st of the month I fear I have missed the boat for reporting purposes. I have HSBC $320 CLI and CreditOne $300 CLI. The due dates for payments are HSBC 4/14/11 and CreditOne 4/5/11....I made a $50 payment to both 3/30/11. So my question is am I screwed in waiting another month if I pay
  13. Good Morning, I have noticed that CCT and CCPM did not update some of my Feb payments when I pulled the reports for 3/30/11. When I pulled ExperianDirect(just 1 report for EXP) for the 30th it showed 2 of my TL's updated with Feb payments. (I was gonna get rid of this since I have the other 2 but they gave me a free report-so I was keeping it for a few weeks). I just pulled CCT this morning approx 7:15am and it generated a new report date 3/31/11 but those 2 TL's are still not updated with Feb payments. I have not pulled CCPM yet today. Any ideas as to why these two are not sh
  14. bigperm I am going to wait until after the beginning of the month since a few of my TL's havent reported FEB/MAR on time payments and I am expecting a AU on another CC that will help my utilization %. With those factors I think my actual FICO scores will go up; then I will try the recons.
  15. Star007 please let me know how long it takes from the time you deposit the money until the time you have it on your secured card. I may go this route with NFCU too. Thanks.
  16. WhyChat you were correct that the lady came back and said the CA could only change it to Paid. I got lucky because I told her that the CA works for her and wanted her to request that they remove the items not mark them as paid. These have been removed from credit report! Thanks everyone.
  17. Day 24 for me since I DV AFNI. No response yet. Opinions on if it will be faster to send dispute in to CRA's with copy of CMRR or go the BBB route??? I did take a look at the BBB website, what information did you all give the BBB beside the account did not belong to you? Thanks!
  18. Hey PunisherSD--I am working with my local CU on doing the secured credit card; I have been working on that relationship for vehicle finance as well. They actually gave me 8.25 interest rate (compared to roadloan 16.52%)the beginning of February before my scores improved but I decided to stay the course. Pay down my 2 small credit cards, fix my current car and improve my credit score. Momof5--the big point spread between FAKO and FICO is definitely slowing my roll. thanks
  19. Appreciate the info Encoder. I am staying focused. I am staying focused. I will wait, I have a AU that should show up at the end of the month as well. Staying the course. Thanks.
  20. Thanks Irishcowboy!!! Thanks again CB!!!!!!!! . UPDATE: Just woke up this morning and pulled CCPM thru USAA and BAM BAM BAM----> EX 639, EQ667, TU639 My dental bill that I paid to OC back in 2008 was removed! So it looks like this(FAKO) 03-10-11 scores EX571, EQ582, TU580 03-25-11 scores EX639, EQ667, TU639 I still have 1 baddie on all 3 AFNI--they have until the 4/3 to validate or I am going to BBB (and 1 other baddie only on EX). I have goodwill letter I am sending to Santander for some lates last year--I will send in before & after copies of the scores to sho
  21. I got lucky calling TU with three that were scheduled for this year to be removed varied in months. Dispute them as old/obosolete via phone ...I looked the very next day they were removed.
  22. THANK YOU CB!!!! My TU score went from 580 on 3/6/11 to 591 yesterday to 637 today!!! I know it is the FAKO from CCT...I just pulled my FICO TU 3/14/11 and it was 593. I will wait until next month to pull actual TU FICO again as I am expecting another boost from AU end of this month. TU actually removed 3 of my baddies in one day. I called yesterday and disputed old obsolete via phone as they were scheduled to be removed Apr,Jun,Jul of this year. The guy was really nice and helpful. Thanks TU!! This leaves one baddy on TU---yup AFNI---BBB here I come as it is still on all t
  23. Need a little help please... Medical Since I DV the CA and found out it was medical related, I am still going to send out the pre-HIPAA letter and the WhyChat medical DV letter. Dental--Since this was paid back in 2008 and I have a really good relationship with the receptionist there, I called and requested a copy of my records showing that I did pay this off. She told me that when I paid it off back in 2008 the person that took the payment should have contacted the CA!!!!! Just kicking myself in the butt for not learning this sooner. She said she will call them today to get
  24. Sherry how long did it take them to respond to your DV letter? It has only been 12 days since the signed for the CMRR. Again for those that filed with the BBB what information did you have to provide? I have never filed a complaint before so I am want to know what information I will need to provide. Thanks,
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