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  1. It was a p71. The inventory sticker from the county sheriff is still in the door jamb. I bought it for $150. Wouldn't upshift after 2nd gear. I took it to a transmission shop for the free estimate. Had it rebuilt for $2706. (more mark behavior). It had less than 100 miles on the rebuild, I hardly drove it once I got it back. I started at $3500 and reduced the price by $500 every few weeks trying to sell it. Lots of showings, test drives, no offers.
  2. When I go to sell my next car, where should I do it? I've been using facebook marketplace, CL, and offer up.
  3. so now that we have established that this is horrible, what is better?
  4. letter date 10/24/2019 it's from Dynamic Recovery Solutions in the heading it states: original creditor: synchrony/amazon original account number **********3999 DRS reference number: ********* current creditor SPV I, LLC reference number ******* total balance: $937 they offer 4 payment options.... I think I should send them back the following letter. To Whom It May Concern: This letter is being sent to you in response to a notice sent to me on 10/24/2019. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following: · Violation of the Fair Credit Reporting Act · Violation of the Fair Debt Collection Practices Act · Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Best Regards,
  5. I'd been trying to sell both cars on offer up and CL. Turns out market is not strong for either of these two cars nearing 200k miles. I might have gotten an extra $1500 out of it. Interest is only a problem if I go full term. I called them until they had my account set up, once I could setup my online account access I made the first payment. That was on 10/28. I'll make another today and every two weeks until my disputes are done and my score is high enough to refinance.
  6. The worst part is I paid $11,000 for the equinox. Got it from Car Hop in 2017. Paid it off a little early. Both cars were in decent shape.
  7. Please link to a thread on how to use properly use credit cards. I have 2 credit cards Mission Lane $500 limit and Milestone $300 limit. I have been maxing them out and paying in full when statement arrives. Is it better to just leave them at zero and not use them? Or pay before due date? Do I need activity on them each month? I ordered paper copies of all three credit reports. My plan is to dispute and remove the 11 collections I know of, and whatever else is on the paper copies. Then apply for Secured Discover with $1000 ready for security deposit.
  8. I'm back. Everything I built last time I was here is now a negative. Have to start over.
  9. wrong date it was 10/16. I was in the 600's last month, then opened a new card and let maxed out cards report. lost 80 points. As soon as my score bounces back I'll be looking into refinancing. I will also work on cleaning up my report.
  10. Wednesday night 10/26 I took delivery on a 2012 Tahoe. 17k sales price. 1k cash down. 2 trades. 2009 equinox 2006 crown victoria. 530 FAKO. Financed 15.5k $530 per month 54 months. 29.9% interest. Nervous lender underwriting is going to reject my deal.
  11. short answer yes send cmrr you are establishing your paper trail for court
  12. UPDATE This is all my fault I addressed the envelope incorrectly. I put myself as the to, and EQ as the return. $7.40 lesson in paying attention.

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