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About x419

  • Birthday 04/19/1961

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  • Location
    New York
  1. x419


    Nassau County
  2. x419


    Is there a statute, law or rule I can quote when I send all this in?
  3. x419


    Hmmm that would be fantastic. I was under the impression I was SOL on this and had to pay. Would a letter be sufficient? Sent from my Big flowers Phone v2.0
  4. x419


    My BK is already done and completed a year this past December.. the debt was not on my credit report, so I wasnt aware to include it. I am thinking that is too late at this point.. or am I wrong?? Sent from my Big flowers Phone v2.0
  5. x419


    I got a call from Reliant last week claiming to be collecting a debt from a community college I attended years ago. The caller was rude, which was no surprise, but I managed to get someone else on the phone. She sent me a copy of a letter via email, that supposedly had been sent to me in December, stating I owed 499.95 plus 125.00 collection fee. The letter was unspecific as to what semester and class, etc. I replied with an email stating I would like a few days to confirm the debt. I also explained on the phone that I had filed and completed a BK7 last year and that this debt or collection was not on my credit report or it would have been included, which was why I was surprised it existed. I was able to confirm there was a balance of 499 and change due on a payment plan from spring 2009 for a chemistry class I took. Unfortunately, I can't just pay the school. That brings me back to Reliant.. anyone have experience offering a payoff? I was going to send an email, but thought I would check here first to see if anyone could offer advice as to whether I should make an offer via email or written mail and how to word it. I did some searching on Reliant here, going to go back through the results again and see what else I can find. Jerry
  6. I was looking for a date on the report.. it's not directly on the window that pops up with my 3 scores and reports. I just realized it was next to the link I click on to open the window. August 6th is NOT obviously daily.. I will have to give them a call and find out of there is a daily pull available. [emoji317] Sent from my SPH-L900 using Tapatalk
  7. OP stated s/he was getting daily pulls and monitoring. Seem to be.. I haven't determined this to be fact yet. lmao Sent from my SPH-L900 using Tapatalk
  8. Just an update/correction.. its actually FraudScout, and I have the Protect Plus plan. Its thru NEFCU (Nassau Educators FCU) https://www.mynefcu.org/fraudscout.cfm
  9. Has anyone had any experience with this company? I am currently subbed with them thru one of my credit unions. It runs 8.00/month (CU member special pricing) and I seem to be getting daily pulls on all 3 plus monitoring.
  10. x419

    DCU Membership

    Just got approved for DCU savings as well, still waiting on PIN.. Meanwhile, I had to join some organization for 10.00 to be eligible which was no issue... I just put it and the 5 bucks to open the account on my Barclay rewards card. I was looking at my statement for Barclay and saw that it went as a Cash Advance! For which i was graciously charged 10.00! Has anyone else had this happen? Any idea if it was it DCU or Barclay?
  11. I just recently joined a couple of local CUs. Im really just starting my rebuild, but im trying to look ahead and see what I need to do this car finance thing by maybe Sept or October. My BK was only dc'd in 12/2013 so im still not too far out of the gate. I'm doing cleanup and trying to figure out how to get this child support judgement to report correctly. Sent from my SPH-L900 using Tapatalk
  12. No, I tried to join previously and wasnt able. There are so many places advertising that they finance anyone..its almost scary! Sent from my SPH-L900 using Tapatalk
  13. And as far as financing for those options, is there a bk friendly non interest gouging institution that we can use? Or is any one place pretty much the same as the next? Sent from my SPH-L900 using Tapatalk
  14. Well, that is what I have been doing. As far as buying a used or off lease certified vehicle, what would be the better option to look at for financing in my situation?

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