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PotO

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Everything posted by PotO

  1. Focus on third grade, Jethro. You aren't far from your goal of admission to the Sally Struthers School of Truck Drivers & Wanna-Be Lawyers. My comment was directed to the main topic of the thread: Indebtedness on a credit card and the SOL.
  2. CapOne has always used their latest quarterly soft for me, too. Sometimes you get the timing right, sometimes you don't.
  3. What do you make of the $870b in US CC debt?
  4. PotO

    CA Indicted for Bribery

    Must be a slow day in Chicago.
  5. I generally prefer a lock. Freezes are far too slow. While they say an hour, that's not entirely true. It can take a few days. I don't remember whether it was EX or EQ (but I think it was EX), but I unfroze it and applied a day later at SDFCU only to be declined for having my file frozen. Seems some don't pull from EX directly rather than a sub-bureau that contracts with EX. There's considerable lag time. Then there is the freeze bullsh!t about not applying to existing creditors. The problem is that almost every possible creditor out there is already an existing creditor on my credit reports. I kept EQ frozen to nudge B of A into pulling EX, but they could still pull EQ even though frozen. WTF??????? I like the EX lock. It's fast and they actually lock *everybody* out. They even notify you of any attempts to gain access.
  6. What is the difference between delinquency rate and charge-off rate? 4% seems pretty high to me. How can they turn a profit? $870b in CC debt. That's about $3,000 for every man, woman and child in the US. Do you think that's actual debt carried over from month to month or does that include debt that's reported but actual PIF before payment due date?
  7. Self-reporting is always a good idea, but I'm not sure about worrying about a letter of indebtedness. I don't recall ever seeing any letters of indebtedness in any of my commands during the last 20 years. DoD policy has been for a long, long time that commands never entertain any correspondence regarding civilian debt. Creditors know that. They also know that federal law prohibits 3rd party contact initiated by a creditor. While this does not include original creditors, even then there is substantial legal risk. Another issue is state law. Military installations are required by DoD regulations to follow the more stringent of federal law or state law to which they're subject. For example, on installations in California, the state RFDCPA mirrors the FDCPA, but also applies to original creditors. The time to worry about security clearances is when there is a tax offset, income execution (quite rare for military personnel), law enforcement involvement, civil lawsuit, on-base auto repo, periodic security audits or a nut-job spouse.
  8. If you had actually finished high school and made it to law school, you might have developed the required reading skills to understand the original poster is inquiring about debt. "... statute of limitations starts on a credit card debt" You keep pulling extraneous crap out of your butt in your attempts to pretend to be a lawyer.
  9. Yup, good old ExpressVPN. Both Airbnb and Barclays were turds in this issue. They deserve to get FITA. I used Airbnb once. It was ok. At the time, though, I didn't realize they were such a-holes.
  10. PotO

    2019 Credit Recession (self induced)

    This should be an interesting ride, Hege. But this time I am NOT following you. I ain't closing a mutherfooking thing. 😜
  11. Ho Lee Fuk. Barclays needs a good azz-fooking as does Airbnb.
  12. I'm still confused. You stated "you have bad credit on OTHER accounts". I took that to mean that if I default on, say, my Chase card, Citi could not get afraid and close my account. What am I missing?
  13. Can you point to the regulation that states a creditor cannot close your account because your overall creditworthiness deteriorates?
  14. PotO

    Superior Tradelines LLC

    Anybody ever hear of these azzhats? It's a credit repair scam company run by one of the myFUKKO clowns named Robert Sigmond aka Robert Sigman.
  15. Maybe on your planet. On Earth, if the account is brought up to date, then you don't owe them any money. If you don't owe them money, there is not a lawsuit. Yes, accounts can be closed by the creditor for a number or reasons or for virtually no reason. However, it's a good thing you only pretend to be a lawyer because I just checked my USAA, Chase and Bank of America agreements and the balance due is *only* accelerated if you are in default.
  16. He didn't fake military service. He faked being a civilian DoD employee. Important difference.
  17. There must be a way to get revenge. Seriously.
  18. PotO

    Penfed - Bizarre Soft Pull

    Strange! Do you have deposit accounts with them?
  19. Poor PissPay. The cowards still don’t show their face.
  20. PotO

    Superior Tradelines LLC

    Exactly. And it's not even necessary. He can can sell tradelines being honest and not scaremongering. I can even see some advantage to renting a tradeline. But no need to lie about it.
  21. PotO

    Superior Tradelines LLC

    Time shares. 😂 My wife sits through those at Planet Hollywood for the free meal. 😂 I just saw the guy responding to a question on another forum and it pissed me off that he'd pull so much sh!t out of his ass about credit. 1. Tolling CRTP; 2. Creditors (OCs) like to remove derogatory crap because they get tired of paying to report; 3. Judgments report forever; 4. Easy to get goodwill removals; 5. An inquiry from an approved app will not hurt, but from a denied app will; 6. Not getting your app approved tells FICO you are "unworthy" and hurts you; 7. Too many open cc accounts tells FICO you are a bankruptcy risk. How many would you agree with?
  22. PotO

    Superior Tradelines LLC

    FICO hates me. You they've hired a hit man to assasinate you.
  23. PotO

    Superior Tradelines LLC

    I invited their CEO over here to discuss some of his weird ideas: 1. Tooling of credit reporting time periods 2. FICO hating people for having too many credit cards 3. Several others. Lets see if he shows up.
  24. PotO

    Superior Tradelines LLC

    I was reading their CEO talk about how the credit reporting time period can be "tolled" when an OC hands the debt off to a CA or sells to a JDB. Those actions, he wrote, allow items to remain on your credit reports forever. What a fooking clown that guy is.
  25. Smells a bit like PissPay RIP.

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