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codefreak13

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  1. Thought I'd update this thread. I decided to go right to the BBB as mentioned above. On 2/11/14 I entered a case regarding their reporting.The last status update is 'inform business of case' on 2/12/14. I pull MPM daily and just noticed the account was removed from TU some point after I pulled it last night at this time. It looks like my wording also had an unintended side effect; I also had an older Peoples Gas account with a 30- and 60-day late on TU from 2009. That account was also removed, and I'm pretty happy about that! I suppose there's always a chance that the accounts were just put in dispute with TU instead, but I don't want to risk backdoor at this point or run a full report anywhere yet. Here is what I entered in case anyone is in a similar boat: I have twice recently been denied for new credit due to two reasons: a 'past due balance' and a 'delinquency' listed on my credit reports. In reviewing detailed copies of my credit reports from each credit bureau, I have found that Peoples Gas has been incorrectly reporting account #XXXX as having an outstanding balance, as well having 30- and 60- day lates in February and March 2012 (neither of which is true; service was ended in October 2011). I am requesting that Peoples Gas immediately remove any and all accounts from my credit reports for each bureau due to the damaging and inaccurate nature of their reporting.
  2. Thanks everyone, yea I have terrible service stories from them as well when I lived in the city. So glad I moved out to the burbs and have electric heat (although ComEd can be a beast too I've heard). I do think I'm gonna go straight to the BBB as funkiehouse suggested, it worked well for my issues with Portfolio. I'll update this thread with the outcome.
  3. I have a utility account from Peoples Gas showing on my TU, but incorrectly showing three things: a balance of $21, a single late payment in Feb '12, and a largest delinquency of 60 days (even though it is not in the payments at all). The account was paid directly to them after I found a CA reporting it in April '13, and they sent me a letter showing cutoff date for service was in October '11 and there was no further balance due on the account. I contacted them directly via phone today stating I have been recently denied credit due to incorrect reporting on their part. They state all I can do is fax them supporting documentation and they'll look into it. I've disputed with TU 3 separate times (2 online, once via mail) and all three came back verified. My thinking for the next step is to actually call TU and see if I can get a service rep in a delete-y mood rather than sending anything to Peoples (who may just remove balance but update lates or reported date etc). Then failing that perhaps go to BBB (as I see some success for credit reporting issues there). What would you do? Anyone gone through this with Peoples Gas?
  4. codefreak13

    MPM

    I've had MPM since 4/2013, and there was only one day where I didn't get a full report - it was EX missing last week. That was the only day I can recall where I checked backdoor BEFORE checking MPM 24 hrs + 1 min out. Probably still had it up in my browser too. Not conclusive or anything, but a data point to consider.
  5. PNC generally uses EWS now and it is ran after the account is opened. Thanks mca!
  6. Thanks, I have 1 NSF from Chase from 6/2010 that was verified through Chex when disputing using mca's methods. No EWS or Telecheck. See lots of info about PNC from a year or two ago being ok with a Chex mark, but nothing recent. I suppose I can give them a call to see if I can get any info out of them Thanks!
  7. Thanks Ron. How long ago was it? Did you have any negatives on your Chex report, and if so how old were they?
  8. Hello all, has anyone recently signed up for checking with PNC (say last 6 mos to a year or so)? Just curious if they pulled Chex, EWS, and/or credit for new checking accounts or if there was any account closings weeks in. Thanks in advance.
  9. Thanks for the feedback. The OpenSky is secured but the Abri card is unsecured, and actually has a lower APR than I'm seeing with the big boys. I will likely keep it in the stable long term. In your opinion when would be a good time to build other lines if I do somehow get the CO removed? After a full year of statements for these three accounts?
  10. The CO is $0 balance, listed as transferred/sold. Since Capital One took over their accounts unfortunately its not going to go away easily, maybe a BBB or CFPB complaint about reporting technicalities works (which I will still be doing anyways as there's a couple threads for another user with a similar account). Util is not a problem, I was honestly testing to see what score drop high balances would cause for my profile. I don't need new credit for anything at this point other than to build for down the road. One thing I'd add for those reading, I read a lot of advice about repair on this and other forums that was a huge help. But one thing I wish I would have done differently was get those two cards DURING cleanup rather than waiting until most of my baddies were gone. I'd have accounts that are going on a year now rather than 4-6 months. YMMV of course.
  11. Looking for some opinions on where to go next in my credit repair journey. Currently have the following credit: Abri Credit Union CC $250 (opened 8/2013) Open Sky Secured CC $200 (opened 6/2013) GM Financial Auto Loan $21,000 (opened 8/2013) HSBC CO DOFD 4/2010 (opened 4/2009) 3 inquiries in last year; most recent on 9/5/2013 AAOA 18 mos Current EQ FICO is 624 with 78% utli; will be down to 1-2% by 2/1/2014 and should put me back to 635 - 645ish. Long term goal of a mortgage, but putting it off until 2017 after the CO falls off and have more history. I will have $1500 or so cash in the next month that I can add to the OpenSky card CL, or to open a new secured card with someone like SDFCU. Abri will then match my highest limit with a HP. I was thinking of apping for Walmart, Amazon, and Kohls as I shop at all three and for the wally fico, and probably all at the same time to let accounts age together. Any of the bigger boys are still leery of the CO, thin file, and AAOA (last inquiry was for Discover IT, wanted to see why they'd turn me down for). My thinking is they're all going to want at least 1 account with a year of history, so I would do an app spree sometime after 9/2014 to see where I stand on those (Amex charge, IT, poss. Barclays). So ... what would you do if you were in my shoes?
  12. I had trouble getting my free EQ report awhile back, same thing with the questions. Didn't really need it at that point so I gave up. I went on just the other day to check backdoor and realized what it was - I have an auto loan through a car company, but it was worded differently in the verification question (the car company's name instead of the financing company name). Sure enough, that was it. The account is listed as the financing company everywhere on my reports, so I agree with IndyPoolPlayer - the data collection companies they use must have it wrong somewhere. Which is kinda disturbing when you think about it, but not surprising.

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