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reup407th

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About reup407th

  • Birthday 12/14/1976

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    KENTUCKY
  1. Whats the age of the item(s) reported? They only report for 5 years. If the items is rarely new, then I would definitely dispute. Send the proof of payment to Chexsystems. They should have provided an address on the report they sent. If it is old, i would leave it alone and let it fall off. Just my 2 cents...
  2. Thanks for the info, I will keep this updated as I get them.
  3. Last week, after being denied with the online application, I went into a local branch with my denial letter, and my proof from the 2 items on my credit report (NFCU used TU). Even with a 580 something TU score, they resubmitted, rescored, and got a unsecured cash rewards from NFCU w/ a $7,000 limit. Don't give up hope. If they deny, go into a branch and ask them to reconsider.
  4. The settlement administrator seems to be just an automated #, and gives you the mailing address. Figures Chicagorich, I do believe an ITS letter is appropriate. I do think I'll dispute with CHEXSYSTEMS first to see if they'll remove, then attack the bigger beast...
  5. A few weeks ago I applied online for a motorcycle loan with Navy Federal Credit Union (NFCU). At first, all was well with the online rep. He said to call back in a few hours for an answer on the APR, Terms, etc... When I called back, DENIED! When the denial letter came in, it said the reason was: current late charges, and a current collection, credit score = 588. I went into an actual NFCU branch with the denial letter, and with a letter stating the collection account had been previously removed (db ca added back on after the OC deleted), and a letter from WFHM stating the late charges were erroneous (they added after they failed to post payment to my acct, which I called them out and they typed me up the letter for me). NFCU then redid the application, submitted my 2 letters with the new app, and 10 minutes later, APPROVED! She handed me a check for the entire amount of the motorcycle! The kicker is, she then asked me if I wanted to apply for a cash rewards credit card. She stated they wouldn't even have to pull my credit either. I figured WTH, go for it, and 3 minutes later, APPROVED again, a LOW APR, and a $7,000 limit! IMHO, NFCU's the best Credit Union out there! If at first you don't succeed, go into an actual branch office and ask them to reconsider. The outcome may suprise you!
  6. I had a BOA checking and savings acct from Aug 2007 through April 2009. I had over $10,000 between the 2 acct's. I used alot of the funds to pay some accts off from my previous marraige, buy some stuff, but never came close to a $0 balance. Due to the way they input these transactions from largest to smallest, the way they held my direct deposits until they charged me ODF's ($500-$600 at a time ) I ended up paying over $4600 in ODF's in a year period. I even took out $4,000 in loans to cover the difference. They "force closed" the acct in July 2009. They're adamant that I still owe them $848.00, even though due to the time frame, it shouldve been rolled up in the CAL last year. I was in Afghanistan at the time, and didnt receive a check, or notification from the Class Action. I called and expained it to the Office of CEO Rep and she assigned it to their fraud dept and to another rep. After a few minutes, that rep gave in, said she would waive the $700+ in ODF's, but I still have a $140+ in true $ that need to be paid. I said I dont agree, but pay if they would remove the erroneous $ amount from Chexsystems, which he said quickly refused. She only said she would update to new $ amount once paid, which would be purple to do, since it rolls off Chexsystems next year. She said she would update their system to show this new balance. It was their ODF's that caused the neg balance and closed the acct. Without the ODF's, i still would have had over $5 grand in the acct, and not have had to take out $4,000 in loans. BOA hasnt reported to any CRA's yet, though they said its getting ready to. I challenged with the SoL, which stumbled her. She gave me the # to their "dispute" dept and it was left at that yesterday. Thinking I should dispute with Chexsystems since they're updating the $ amount in BOA system. Any ideas which type of dispute to use? What's should be my next step?
  7. Same here. I had a BOA checking and savings acct from Aug 2007 through April 2009. I had over $10,000 between the 2 acct's. I used alot of the funds to pay some accts off from my previous marraige, buy some stuff, but never came close to a $0 balance. Due to the way they input these transactions from largest to smallest, the way they held my direct deposits until they charged me ODF's ($500-$600 at a time ) I ended up paying over $4600 in ODF's in a year period. I even took out $4,000 in loans to cover the difference. They "force closed" the acct in July 2009. They're adamant that I still owe them $848.00, even though due to the time frame, it shouldve been rolled up in the CAL last year. I was in Afghanistan at the time, and didnt receive a check, or notification from the Class Action. I called and expained it to the Office of CEO Rep and she assigned it to their fraud dept and to another rep. After a few minutes, that rep gave in, said she would waive the $700+ in ODF's, but I still have a $140+ in true $ that need to be paid. I said I dont agree, but pay if they would remove the erroneous $ amount from Chexsystems, which he said quickly refused. She only said she would update to new $ amount once paid, which would be purple to do, since it rolls off Chexsystems next year. She said she would update their system to show this new balance. It was their ODF's that caused the neg balance and closed the acct. Without the ODF's, i still would have had over $5 grand in the acct, and not have had to take out $4,000 in loans. BOA hasnt reported to any CRA's yet, though they said its getting ready to. I challenged with the SoL, which stumbled her. She gave me the # to their "dispute" dept and it was left at that yesterday. Thinking I should dispute with Chexsystems since they're updating the $ amount in BOA system. Any ideas which type of dispute to use? What's my next step? Fab dad, is this similar to your case?
  8. A few weeks ago I applied online for a motorcycle loan withNFCU. At first, all was well with the online rep. He said all was good, call back in a few hours for an answer. DENIED. When the denial letter came in, it said the reason was: current late charges, and a current collection, credit score = 588. I went into an actual NFCU branch with the denial letter, with a letter stating the collection account was previously removed (db ca added back on after oc deleted), and a letter from WFHM stating the late charges were erroneous (they added after they failed to post payment to my acct, I called them out and they typed me up a letter). NFCU then redid the application, submitted my 2 letters with the app, and 10 minutes later, APPROVED! She handed me a check for the entire amount! The kicker is, she then asked me if I wanted to apply for a cash rewards credit card. She stated they wouldn't even have to pull my credit either.I said WTH, go for it, and 3 minutes later, APPROVED, with a $7,000 limit! NFCU, best Credit Union out there! Go back in to a branch and ask them to reconsider!
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