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  1. No. I have only used my PayPal to accept transfer money between friends. I shop now and again using my PayPal online, but I don't use any of those "Bill Me Later" features. I also never received any statements or cards from this Comenity Bank. I was going to call the debt collector to get more info but I read somewhere it's not smart to do that. Any ideas of where I should start to get this off my credit? They didn't even send me anything in the mail to validate this. Thanks for any ideas!
  2. I just performed my monthly credit report check via CreditKarma and I have a new derogatory tradeline from Gravaman Asset Managment - Creditor is Comenity Bank. Says I owe $520 and account was opened April 2019. It also says the highest balance was $750 and now the balance is $520. I've never heard of Comenity Bank. Never used them for anything. I looked them up and they offer various store credit cards, like Victoria Secret, Lane Bryant, etc., so I know it can't be any account under my name because I've never, ever had a store credit card. I've always had 1 major Visa and my paypal card. An
  3. I live in Maryland. When they originally contacted me last year, I asked that they send me anything about this credit card, but they didn't. I need to see who opened the card, where were the purchases made, etc. But I cannot get any information from them. So, now that I cannot validate, what can I do to get this off my credit report? Sue them? I'm willing to go to court and force their hand. I figure, the only defense they will have is to bring actual documentation, which they do not have. Any Advice?
  4. I've read through the forum til my eyes are bloodshot and blurred. Complete Credit Solutions is on my credit report, about some credit card that I never had and never heard of. I never ordered anything from this company (Bon Ton) and never had any card or monthly bills come to my address, so I don't know how this is possible. When they called, I told them to send me the credit application, what was ordered, anything, but of course, the CA didn't. Now it is on my report with a date of January 2019. They couldn't even give me the date it was opened. I see other people have had probl
  5. Anyone know how to successfully remove old addresses from Chexsystems?
  6. SunTrust in Southern Maryland used Telecheck for me. TD Bank tends to approve (they use Chexsystems) if you owe under $1000 and open an account with a decent balance.
  7. I've had several problems with Chexsystems and looked into opening a second chance bank account with Andrews Fed Credit Union and PNC. Both banks supposedly have the best second chance programs, but what isn't advertised are the exclusions. #1 - Yes, you can get open up a 2nd-chance bank account with those institutions as long as the total amount(s) reported by Chexsystems is less than $500. There is no room for leniency; a dollar over and you're out of luck. But I must say, the new account rep was friendly, non-judgemental and advised to just send money towards the accounts listed bec
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