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  1. does anyone know if landmark credit union reports to authorized users
  2. I have some questions hope someone has answers to. So, been repairing my credit for some time now. In the past two years I was able to have 20 or so items removed from my reports. But, in me going so my score dropped points mainly because I been applying for credit cards but have not secured one. I tried several secured cards and was denied for all except capital one witch oddly was the same card I had a charge off with in the past. I have not signed a contract with them just because they want me to send them $300.00 and in return the would send me a card in like 8 weeks dont sound practical to me. So I've been reading on other options and my main option I am drawn to is a secured card from my local credit union. But once again I was flat out denied. So I asked If I can be a authorized user on my daughters card and I was told that that would not help me improve my credit at all the dont report on authorized users reports and that was a myth that it will help my score is this true because if it is I dont know what to believe any more almost every thing I read on the net says thats the way to go. Please if some one could clarify thanks
  3. i have my trans union solutions, how do i use this service for b*
  4. access

    road block

    has anyone ever used a company that offers to have you add to au account for a fee
  5. access

    road block

    I have one year of trans union monitoring and creditkarma witch is vantage score. I applied on line for the card they recommended unsecured.
  6. access

    road block

    so I applied for a capital one card and was denied, does anyone know of any sub prime cards that i can apply ?
  7. access

    road block

    Hi CB members, I'v been a member for about a year now sucking up all the info I can. I'v sent out plenty of letters and made tons of phone calls. I was successful in removing around 16 negatives off my report all of them were paid accounts but, Now I hit a road block and need anyone and everyone's advice since i'm running out of time. To start I only have 4 items left on my reports and, after all others were removed my score went up a few points but not much to make a difference. My score was at low 500's and now after all paid collection were removed (16 or more) it topped off at 565. I need to be in the mid 600 to take out a mortgage on a investment property I bought 1 1/2 years ago on a two contract if I cant get financing to pay off the land contract i took i could loss this investment and all of the time and money I put into it. So this is what I got let me know what my best coarse of action should be.. score:565 collections: first premier bank charge off $450.00 have sent all and every letter, will not PTD only reduce to 30% first premier bank charge off $450.00 " " will not PTD only reduce to 30% att sold to alfi $200.00 will not respond to any of my PTD letters but confirmed with CRA's we energies charge off $1800.00 sent dv letters and confirmed with CRA all of these accounts are within the sol and are all legit I currently have no open card. should I pay off these accounts or should i open up some secured cards or take out a auto loan what will raise my score 100 points fast???????? please respond need help bad thanks
  8. pea-jay, what was the wed address you used or email for on line dispute access
  9. i'm i got green card back about a week ago disputed with cra and they verified so i disputed on line have not here back from them
  10. Hi, cb users, I'm new to credit repair but, been reading a lot on this forum. I have a collection for at&t (oc) with afni, inc. afni sent me a few letters but I never responded. so I'ts passed the dunning period. Recently I received a call from them on my wife's cell phone ( don't know how they got that number) I was asked if I lived at an old address and I answered what is this about. They said at&t I said don't know what you are talking about I will send you a dv letter they said fine, end of conversation. I sent them dv cmrrr the same day. got green card back in like a week and, called cra to dispute. dispute came back verified never revived validation from ca. the collection is for around 200.00. does anyone have any suggestions. should i send them a its letter even thou its passed the dunning period or just ask for a ptd. anyone have any experience with afin
  11. im a newbie but, been learning alot on this forum. received a dunning letter from ca that is not yet reporting to cra. sent ca dv letter within dunning 30 days. received green card. ca sent me my last 3 cc statements as validation. what to do next. the debt is mine, its around $300.00 and i am willing to pfd but need some time. how long do i have till they can report to cra. oc is reporting co.
  12. I need some advice. received dunning letter from ca that is not yet reporting to cra. sent ca dv letter with in dunning period. ca sent me last three cc statements as validation. what is my next cores of action. the debt is $350.00 i do owe this debt but need some time to settle should i send 2nd dv or ptd asking for 50% off. how much time do i have before they can start reporting to cra?
  13. what is pg stand for been here for awhile never seen it before
  14. yeah thats right the city da takes care of that im going to make an appointment monday thanks
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