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sroyale

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About sroyale

  • Birthday August 26
  1. See what I mean? I'm thinking too hard about this I completely overlooked that fact (in regards to the SOL). Thank you! I didn't know that... I definitely will. Thanks!
  2. I apologize in advance but I need clarity. I feel like I read the same statements over and over, searched threads over and over and I want to make sure I have this right because this always confuses me. I've accomplished a lot since joining this site, but this is one thing I can't understand. Maybe I'm simply making this harder than what it really is. I'm trying to figure out when my Capital One CO will fall off my credit report. Date Opened: 03/2007 Charge off as of Jan 2008 150 days past due as of Dec 2007 120 days past due as of Nov 2007 90 days past due as of Oct 2007
  3. I understand that in Georgia it's not very clear whether the SOL is 4 years or 6 years and after reading a few topics on CB apparently most judges rule in favor of 6 years. I have two OC's on my report, BofA and CAP1. The date of last activity for BofA was 08/08 and for CAP1 it's 03/08 and neither creditors are taking me to court. Since I have no judge involved can I just dispute to have them removed after the 4 yrs is up?
  4. I know my fakos but I haven't pulled my fico yet. The letter states 535
  5. My credit application for an Express CC was denied (at least the letter gave me my credit score at the bottom - would that be my fico?). I would like to at least TRY for a recon because who knows...it may be successful or they'll just say no a second time. They pulled my EQ which is the only one that currently reports a closed charge off from CAP1 & nothing else. Here's the reasons for denial: - Unable to verify credit history I do the credit underwriting for an apartment complex. When we say "unable to verify" it's because they have 3 or less TL's is this the case here? - Lim
  6. do you have any other places in mind
  7. My grandmother has an auto loan through bank of america, we applied for refinancing so that I could be included on the loan because I have been making her payments on time for a year. Of course they pulled EX and denied me but a representative requested that an underwriter gives me a call to look further into the file. I received a call today and spoke with a foreign woman who politely told that they will not add me because i do not qualify (obviously, which is why i'm asking for a recon) and that there was nothing she could do. It was due to 2 reported chargeoffs from 2007 and no sat
  8. call Denise back. Tell her(as many times as needed), you can't provide me with proof of April cancellation because I cancelled earlier than that. This is not my account, send me the fraud package." You get her fax number, and send her a copy of the police report for ID theft and you fill out the fraud package. if she gives you crap, tell her in no uncertain terms that you want to speak to her supervisor. Repeat(as many times as necessary) "if you can't help me, get me someone who can." Do not take no for an answer, and do not engage her. Just repeat, I need your supervisor. This seems
  9. It is my bill and it isn't my bill lol. I had service at that address but the service continued after I cancelled. I really did cancel but I have no proof other than the fact that I moved out. AT&T is saying they don't care if I moved out, i'm still responsible. The verification that I received from the apts stating that they have "no records" is because I lived there so long ago they shredded it (their leasing agent told me this yesterday when I visited). I found my original lease agreement yesterday, however it shows my ORIGINAL lease terms - because i wasn't supposed to move
  10. if it's off your report why do you care? just send them a cease and detest letter.... I didn't think about it at the time, but I don't think it "disappeared off my reports" - i disputed it so I assume thats the reason why I don't see it reported anymore (???)
  11. So, after my vacation AT&T finally contacted me in regards to my complaint with the BBB. After our discussion, they decided to send me a "fraud packet" in the mail for me to complete and send back. Well, before I even received the packet Denise from their collections dept. called me as well stating that they came to the conclusion that I am financially responsible for this account because their records show that I didn't call until April of 2009 to cancel (may I remind you i moved out October 2008). I KNOW I didn't call 6 months after I moved out to cancel the service and requested a c
  12. Have you filed a police report for Identity theft? My thought is if you send them proof you did not live in the apartment at that time, and the bill can't be yours, this should be farily easy to get rid of. Send this info to Ginny Walker the Compliance Officer for ERC. She is at the Bayberry Rd, Jacksonville address. Thanks for the info! I tried calling AT&T today which was awful, it's seems like no one knew what to do so they would transfer me instead. I was transferred around 7 times with no answer. I guess a copy of the lease at my current address will do?? I'
  13. Have you filed a police report for Identity theft? My thought is if you send them proof you did not live in the apartment at that time, and the bill can't be yours, this should be farily easy to get rid of. Send this info to Ginny Walker the Compliance Officer for ERC. She is at the Bayberry Rd, Jacksonville address. Thanks for the info! I tried calling AT&T today which was awful, it's seems like no one knew what to do so they would transfer me instead. I was transferred around 7 times with no answer. I guess a copy of the lease at my current address will do?? I'
  14. ...well during the months that are on the bills.
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