Jump to content

Sultan

Members
  • Content Count

    3,653
  • Joined

  • Last visited

About Sultan

  • Birthday 01/01/1908

Contact Methods

  • Website URL
    http://www.globalwarming101.com/
  • ICQ
    0
  1. Bummer about this sunmicroman, however if I may; Hardly, hardly worth their abuse and exploitation of consumers for a membership to a fricking credit monitoring service, (there are other alternative monitoring services available - which aren't TU affiliated, etc) They CLD'd me recently for several hundred dollars (trying to chase my balance down as I pay it off) I closed the account immediately and sent them a nasty gram telling them what I think of their shenanigans. I have a BT in process with them, once that processes, American Express will be a thing of the past once and for all for me. I feel it is absolutely the right thing to do even if on nothing more than principle alone! The more folks tolerate their BS for silly things like membership to a credit monitoring, delusions of prestige, false hopes of having credit limits restored, etc. The further this company will continue to press with their downward spiral of degradation. Perhaps do yourself the biggest favor you ever could; buck up & wash your hands of them, move on and maybe find some good credit unions. G/L with what ever you decide. Thanks for the input and encouragement Sultan. Which credit monitoring services other than TC, Chase IP, National City, and PM, let you do daily pulls? If they are at all affilaited in any shape or form with TU or TC, I will not be able to sign up. Well, maybe allowed to sign up and then be booted a few days later (I had this happen after TC gave me the boot last year). Also, I tried a CU a little while back and got denied. Any suggestions on a good CU that I could qualify for with my scores (preferably not an EX pull)? YW, sunmicroman. Have you looked at JFCU, Penfed? DCU? (Starone CU if your in the bay area) all are EQ pullers, Heg posted a link to one of the specific credit monitoring service I was thinking, I'll see if I can find it. Thanks again, but I do not qualify for any of the CUs you mentioned. Maybe a local one in my area will work. You can qualify for all of those I mentioned, first you'll need to join one of their membership affiliates. Take a closer look at each one RE: membership eligibility.
  2. Bummer about this sunmicroman, however if I may; Hardly, hardly worth their abuse and exploitation of consumers for a membership to a fricking credit monitoring service, (there are other alternative monitoring services available - which aren't TU affiliated, etc) They CLD'd me recently for several hundred dollars (trying to chase my balance down as I pay it off) I closed the account immediately and sent them a nasty gram telling them what I think of their shenanigans. I have a BT in process with them, once that processes, American Express will be a thing of the past once and for all for me. I feel it is absolutely the right thing to do even if on nothing more than principle alone! The more folks tolerate their BS for silly things like membership to a credit monitoring, delusions of prestige, false hopes of having credit limits restored, etc. The further this company will continue to press with their downward spiral of degradation. Perhaps do yourself the biggest favor you ever could; buck up & wash your hands of them, move on and maybe find some good credit unions. G/L with what ever you decide. Thanks for the input and encouragement Sultan. Which credit monitoring services other than TC, Chase IP, National City, and PM, let you do daily pulls? If they are at all affilaited in any shape or form with TU or TC, I will not be able to sign up. Well, maybe allowed to sign up and then be booted a few days later (I had this happen after TC gave me the boot last year). Also, I tried a CU a little while back and got denied. Any suggestions on a good CU that I could qualify for with my scores (preferably not an EX pull)? YW, sunmicroman. Have you looked at JFCU, Penfed? DCU? (Starone CU if your in the bay area) all are EQ pullers, Heg posted a link to one of the specific credit monitoring service I was thinking, I'll see if I can find it.
  3. VPofCredit, you did what was right for you and thats honorable and very worthy to the cause of the good fight. Don't let the duality of people who are here on a pro-consumer board yet advocate self-servingly bending over to these companies when its convenient for them, discourage you a single iota. Massive Kudos to you! IMO you most likely saved yourself the pain of unreasonable future hardship & headaches down the line. Its going to be this way for some years, til Amex figures it out. Not that long ago I had that card they offered you with an even higher limit, thinking I could trust American Express caused me to pay hundreds if not thousands of dollars in additional interest because I had unknowingly relied on them and they rewarded my on time payments, ability to pay, and patronage to them with a massive CLD that literally took 80+ points off my scores dropping me into a scoring bracket that took more than a year to recover from. They literally put me behind the eight ball, I'm grateful I was able to recover and rebound now stronger and wiser than ever. Even after all that I was still giving them the benefit of the doubt up through the 11th hour, - DOES AMERICAN EXPRESS deserve this from people like me? or us? - everyone shake your heads and SAY NO! as I said enough is enough.
  4. heres what I sent them; The snakes on a place part is a spoof was not included in the real message
  5. Yep. Ouch (unless you put a freeze move down ahead of time)
  6. Jersey, I see what your saying .. BTW, I'm always trying to catch ya and say hi when I see you (some of the threads your not going back to RE: Marv WSJ, etc.) How have you been? its good to see ya around once in a while ..
  7. I went ahead and actually applied for 2 additional cards, both were instant approvals.
  8. Im glad they wont .. And where would this be? I've used my cards at my local USPS several times, after they look at my card they ask to see my drivers license, then process payment. No problem what so ever. ((GEORGE brought this issue to the boards RE: sign your cards! and I think because he did he swore that everyone needed to comply or they were violating the law, (salamanders) policies etc. - I'm still not buying it - I don't care how many times I hear it - personally I'm fine with having my own opinion on certain things I feel strongly about, again my intention is to simply do what is right for me, and me alone, I'm not advocating others should share my opinion)) Has anyone ever called Visa and asked if they can sign their cards "See Photo ID" or if they can include that along with their official sig. (The Visa Policy of not requiring I.D. for a card that is signed is bizarre) I agree these threads are odd; (good arguing potential though) This will be the last time I participate in one of these discussions (with out further data directly from Visa)
  9. Bummer about this sunmicroman, however if I may; Hardly, hardly worth their abuse and exploitation of consumers for a membership to a fricking credit monitoring service, (there are other alternative monitoring services available - which aren't TU affiliated, etc) They CLD'd me recently for several hundred dollars (trying to chase my balance down as I pay it off) I closed the account immediately and sent them a nasty gram telling them what I think of their shenanigans. I have a BT in process with them, once that processes, American Express will be a thing of the past once and for all for me. I feel it is absolutely the right thing to do even if on nothing more than principle alone! The more folks tolerate their BS for silly things like membership to a credit monitoring, delusions of prestige, false hopes of having credit limits restored, etc. The further this company will continue to press with their downward spiral of degradation. Perhaps do yourself the biggest favor you ever could; buck up & wash your hands of them, move on and maybe find some good credit unions. G/L with what ever you decide.
  10. Jersey, I believe (as I've dealt with this exact issue previously) § 623. (a)(8) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER (F) FRIVOLOUS OR IRRELEVANT DISPUTE- (I) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information; or (II) the submission by a consumer of a dispute that is substantially the same as a dispute previously submitted by or for the consumer, either directly to the person or through a consumer reporting agency under subsection (, with respect to which the person has already performed the person's duties under this paragraph or subsection (, as applicable. They still need to show good cause, they can't simply say because we said so. (ii) NOTICE OF DETERMINATION- Upon making any determination under clause (i) that a dispute is frivolous or irrelevant, the person shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the person. (iii) CONTENTS OF NOTICE- A notice under clause (ii) shall include-- (I) the reasons for the determination under clause (i); and (II) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Assuming the OP hasn't contacted them previously (thats why I asked in my post above) based on their failure to provide a form requesting specific additional information they require and their strong arm refusal to further discuss the issue, it would be quite clear to me they're in violation. How much is this debt for OP? (do you owe this debt? perhaps you should just pay them? considering they've offered to delete the TL ..)
  11. OP, I'd also post this in the mortgage forum.
  12. Exactly! and even though we do that (in my post above I said sign them "SEE PHOTO ID") as others have said many times the wont look.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines