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SpartacusOwnz

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  1. Begin with getting current paper copies of your reports. Already have them.
  2. How did you do it last time? https://creditboards.com/forums/index.php?showtopic=530861&do=findComment&comment=5058040 At that point in time I had only collections. A few emails through the BBB and CFPB took care of the problems I had. I had some financial issues this past year but I'm back to being solid now. I lost a few cards and they got charged off. I've already removed the collections associated with them. I'm just trying to get the CO's removed now. It seems like this is going to take a lot more than the BBB and such. I'm not sure how to approach this.
  3. I'm not a newbie but thanks. I didn't see anything on there about charge off's.
  4. Hey everyone, I've been out of the credit repair game for awhile now. Where would I begin if I wanted to remove some CO's?
  5. Lolz thanks everyone. Was just checking if anything major has changed. Sounds like everything is still kinda the same though I was thinking that CA's have gotten less intimidated by the BBB and such. Thanks to CB i was able to get my scores above 600 again but unfortunately I made the choice of letting First Premier go to collections. There was no way i could pay it off. Now Midlands will be killing my scores for 7 years.... I'll keep the pic up, but if anyone has an issue with it, i'll reconsider
  6. So yes, it's been awhile since i've posted and i'm wondering if the Validate, BBB, CPFB, AG strategy still works? Like, has credit gotten harder to repair? Or is the game still the same? When I was posting here last, i started some unnecessary drama over my picture that I have posted below. I apologize for my past behavior on here. The picture will be removed shortly. Updates would be super cool!
  7. Then why do people treat bankruptcy like it's nothing?
  8. Really? Can you prove it? Just because you can't see a payment history on a credit report, doesn't mean it's not reporting. It's kinda like how you can't prove that people get approved for credit all the time without any type of credit history but it happens...
  9. I thought it was 190 then CO... I can't explain it but IMO I would rather have a 30 day late than a 150..
  10. YMMV. Not really. Cell phone contracts don't report unless unpaid. no question about it. Not reading the above huh? No credit, no loans or revolving credit... just a cell bill with 2 years of perfect payment history. $5k Pre-approval for a prime card. Coincidence? Nope. Reason for my thinking? BoFA purchased my account history and decided I might be credit worthy. I can't prove it but it's the only logical explanation. So until it's explained with some fact behind it, YMMV Have a great day!
  11. Ok, inappropriate I can understand but degrading? How is it degrading? Respect? I don't think I'm disrespecting anyone here. How does a picture disrespect the members of this great forum? I'm here to learn and contribute to this forum just like everyone else is, I'm not here for remembrance...This seems so trivial... Thank you everyone who gave me information on the question I originally asked. It gives me hope that eventually I'll have better than average credit again.
  12. http://consumerist.com/2007/01/03/messiah-the-cat-gets-4200-credit-card/ http://www.marketplace.org/topics/life/punchline/deceased-dog-gets-credit-card-offer http://www.timesrecordnews.com/news/2009/jun/07/family-pet-gets-credit-card-job-offers-in-mail/ These articles seem to be fabricated but i'll bite. All these are tied to pets right? Getting random credit cards in the mail? Where do we humans take our pets? To the vet!! What do we the bill is larger than expected from the vet? Get some sort of financing option the vet offers!! So with the above being said, I'm sure the names between the owners are getting mixed up somewhere. The creditors are sending the pet owners approvals in the name of the pet. The pet messiah article is irrelevant by the way. It talks about how the pet got sent an AU credit card and the owner is a bit scared over the lack of information needed in order for the animal to be sent an authorized user credit card. Please do some reading before you copy and paste links. Oh and the credit card that was sent to me had my exact name, my social and birth information. Pretty accurate. I know this because it was a pre-approval. Easy now... I was just being sarcastic. I'm appalled by your facetiousness.
  13. http://consumerist.com/2007/01/03/messiah-the-cat-gets-4200-credit-card/ http://www.marketplace.org/topics/life/punchline/deceased-dog-gets-credit-card-offer http://www.timesrecordnews.com/news/2009/jun/07/family-pet-gets-credit-card-job-offers-in-mail/ These articles seem to be fabricated but i'll bite. All these are tied to pets right? Getting random credit cards in the mail? Where do we humans take our pets? To the vet!! What do we the bill is larger than expected from the vet? Get some sort of financing option the vet offers!! So with the above being said, I'm sure the names between the owners are getting mixed up somewhere. The creditors are sending the pet owners approvals in the name of the pet. The pet messiah article is irrelevant by the way. It talks about how the pet got sent an AU credit card and the owner is a bit scared over the lack of information needed in order for the animal to be sent an authorized user credit card. Please do some reading before you copy and paste links. Oh and the credit card that was sent to me had my exact name, my social and birth information. Pretty accurate. I know this because it was a pre-approval. When did you get that pre-approval, Spartacus? This was back in 08 I believe. Before Obama was tinkering with the credit system.

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