access
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Posts posted by access
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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
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i have my trans union solutions, how do i use this service for b*
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has anyone ever used a company that offers to have you add to au account for a fee
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Where did you get the score of 565? And did you apply for a secured or unsecured card?
Sent from my ME301T using Tapatalk 2
I have one year of trans union monitoring and creditkarma witch is vantage score. I applied on line for the card they recommended unsecured.
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so I applied for a capital one card and was denied, does anyone know of any sub prime cards that i can apply ?
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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
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I had them from an old verizon (alltel) account. I disputed them online and they deleted it. I may have gotten lucky
pea-jay,
what was the wed address you used or email for on line dispute
access
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What state are you in?
im in wisconsin
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i'm
I got a letter from them a week or so ago regarding an AT&T account as well. They arent on my reports yet so I sent them a dv letter. Have yet to hear back from them.
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
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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
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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.
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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?
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How does pulling PG daily help remove inqs?
what is pg stand for been here for awhile never seen it before
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yeah thats right the city da takes care of that im going to make an appointment monday thanks
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so get this, I have a rental property i bought from the city January of 2012, the city required i have this sublet called DNS do inspection after we closed on the property we had to pay for all inspections prier to renting unit out. i had inspections done, paid all the fees, and this month we get our tax bill and low and behold there is $1500.00 in fees on the bill. I hate this city have to move
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i did go to parking atharity and all they gave me was some bogus print out no license plate number or name or vin just the time and place it happened so do I first send them a dv and jack attack cra's with all disputes or do i just send out gw letter and hope they remove
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I have several parking tickets that i do not believe to be mine but, the only way i found out about them Is from filing my tax return last year. I was sent a letter saying xxx amount of your return is being off set to professional account management So all tickets were paid. I called PAM to have them validate"this was before I joined cb" they told me I have to call the City, in this case that would be the OC. Called the OC they said I had to deal with PAM nether one could give me any validation and they didn't care to since they already helped them self to my tax returns. So upset that they could even do that. This January I pulled my Free Annual Credit Report and there ARE 19 PARKING TICKETS ON THERE i could not believe my eyes 19 items and no one can validate. they are all paid collections but, this has to be doing some damage to my score.
Anyone have any idea how i should deal with this
one I would like to have them all removed
two I would like to get my money back
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I have several parking tickets that i do not believe to be mine but, the only way i found out about them Is from filing my tax return last year. I was sent a letter saying xxx amount of your return is being off set to professional account management So all tickets were paid. I called PAM to have them validate"this was before I joined cb" they told me I have to call the City, in this case that would be the OC. Called the OC they said I had to deal with PAM nether one could give me any validation and they didn't care to since they already helped them self to my tax returns. So upset that they could even do that. This January I pulled my Free Annual Credit Report and there ARE 19 PARKING TICKETS ON THERE i could not believe my eyes 19 items and no one can validate. they are all paid collections but, this has to be doing some damage to my score.
Anyone have any idea how i should deal with this
one I would like to have them all removed
two I would like to get my money back
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if i send a dv letter to a ca outside the dunning 30 day's can they still verify with cra's.
does the 1-2 punch only work inside the dunning 30 day's
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ok a little confused,
If i send a dv letter for an old debt do they have to validate?
I sent a dv letter to ca today for an older debt (two years old) they have been sending me letters for months.
first letter they sent said I have 30 days to reply or this debt will be considered valid so, can i still send them dv letter demanding validation since this 30 day's has long pasted?
I was hopping to 1-2 punch them with a jack attack letter to the cra's as soon as i receive green card
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have receipt saved. i was hopping to negotiate with oc before ca have the chance to report on to cra's. will they do that?
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i didn't check with usps .
certified mail receipt stamped jan 8 2013
green card returned stamped jan 22 2013
cut off date from ca jan 21 2013
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so i have an account that just went to collections. they sent me a letter stating I have 30 days to reply or debt will be considered valid.
sent them DV letter to buy some time 2 weeks before dead line. they didn't sign the green card till the day after dead line, now what.
I was hopping to make a deal with the OC before CA starts reporting to CRA
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hello forum.
this is my first post so bare with me.
i'v been waiting for this year for the past 7 year, since this year is the year that my judgement would fall off. I couldn't believe, I pulled my credit report on the first of January and its gone hurray! Now i can start my credit repair.
So most of the stuff on there i think i can deal with a 1-2 punch and a p to d but, my trans union has 27 entries from city parking tickets that all have been paid simply because they are able to pull it right off of my state tax return witch is BS!! so they all say account paid in full and they are not due to drop off till 2017 and im not about to play the waiting game again..The thing is that they don't show up on equifax at all and, Experian only shows about 5 but, Trans Union has 27. As i look at them most have the same exact entry. same account number same dates ect. they look like duplicates I have in order account number 1634xxxx six times from same CA then it changes to account # 1635xxxx with 4 more and so on. Now I know its going to be really hard for me to get the CA to correct or delete since its all ready been paid (not by my choice let me add) so what do I do? Ask the CRA to delete? What does the FCRA say about duplicat entries? Can any one point me in the right direction before i start sending out letters Thanks
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does anyone know if landmark credit union reports to authorized users