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TrishaB

Inactive Members
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    166
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  • Location
    USA - Southern State
  • Interests
    Credit Repair, Debt Reduction, Home Ownership
  1. Good news all, all three (EQ, EX, and TU) removed Pinnacle / Resurrgent. I should note that I disputed online, then sent a CMRRR to all three with the 611 rule (reinsertion, no notification). That was fast. I disputed the reinsertion of PDM on my EQ, so far that's not showing on the other two. I also disputed an old address, hoping to get it removed. I actually had to call TU to get the status of the above dispute because it looks like I might be locked out of going online? Also, EQ and EX put a fraud alert on my profile without my request (???). Credit fun, and here I thought I was on easy street after a green report for the past almost 2 years.
  2. ROFL at flowers and chocolates too. Sorry admins, I'll watch my language more now.
  3. This is effing ticking me off guys! I just back door'd EQ and yay they removed the negative from Pinnacle, and INSERTED ANOTHER ONE from an old apartment from wayyyyyyyyyy back that was paid off and the debt collector agreed to take off my report (and did) and now it's back ON my report as a PAID collection Zero balance. WTF is going on here? I went and opted out Again. (I had to opt back in when I bought my house because my insurer couldn't add the house insurance or something like that). I am at a loss as to why these old flowers creditors are adding chocolate back on my report after I made PFD agreements with them? The second reinsertion hasn't even sold to a new company just added the chocolate back on there. I am soooo mad. OK, thanks for letting me rant here, at least I didn't make any dumb moves this time like calling the creditor (UGH). I disputed on EQ as "other" and wrote in "previously deleted item, didn't get 5 day reinsertion notice, please delete" or something to that affect. I feel like I should just freeze all three and be done with it, although that's not going to do me any good. My hard work paying down all this debt for removing is biting me in the flowers big time. Or at least it feels that way with my now tanking scores. Thank God I already bought my house and am not in the market for a new car or anything. I just hope my credit card company's don't get freaked out and start raising my interest rates due to "bad credit" or some such smarthy bs.
  4. Thanks MarvBear. I am hoping this applies to my case as well. While I don't know if this applies to only previously "disputed" items that were removed, or tradelines that were removed by the CA. In either case, Chocolate Goodness business because we had a verbal agreement that if I paid the $300 they would remove it, and they did for 2 years, until Resurgant picked up Pinnacle and now they reinsert an old paid off debt onto my TU and EQ. It simply makes no sense for them to do so. Another thing, I noticed my old old old address (that I had previously removed from all 3 reports) now shows up on my TU and EQ I'm sure they'll try to use this address as a feeble attempt to 'validate' the damn debt. I'm off to search threads for example 'reinsertion' letters, and freeze all three reports along with Lexus Nexus and all those other dang places I can't even remember. Dispute the old addresses before you do anything else, in case this re-insert is tied to that old address. Thanks, I'm going to. Now I have to go track down how I did that before. UGH.
  5. Thanks MarvBear. I am hoping this applies to my case as well. While I don't know if this applies to only previously "disputed" items that were removed, or tradelines that were removed by the CA. In either case, Chocolate Goodness business because we had a verbal agreement that if I paid the $300 they would remove it, and they did for 2 years, until Resurgant picked up Pinnacle and now they reinsert an old paid off debt onto my TU and EQ. It simply makes no sense for them to do so. Another thing, I noticed my old old old address (that I had previously removed from all 3 reports) now shows up on my TU and EQ I'm sure they'll try to use this address as a feeble attempt to 'validate' the damn debt. I'm off to search threads for example 'reinsertion' letters, and freeze all three reports along with Lexus Nexus and all those other dang places I can't even remember.
  6. I disputed too, I wish I would have disputed and NOT called them. I was too hasty. If they don't disappear after this dispute, I'm going to go the FCRA route w/ the 5 days notification upon reinsertion (they never notified me that they were reinserting a previously deleted tradeline).
  7. I hope this happens for me, they just reinserted a line from Pinnacle that I PFD'd back in 2014. I called, they wanted me to fax them the info (HAHA). I didn't, I disputed on TU & EQ. I hope it becomes a delete. I was in awe that they could sell the 'not a debt' account that had already been paid off (for delete from credit bureau's) and then begin reporting it again.
  8. Here's some fun reading about what just happened. Back in March of 2014 I worked a deal over the phone *gasp* with this 'agent' from a 'law firm' that was really just cleverly disguised as Pinnacle Credit, LLC (now Resurgent). Anywho, this 'gentleman' assured me that if I paid $300 of the $495 I owed to Verizon Wireless they would wipe it from my reports. Which I did, and they did. For TWO years. Fast forward to today. I app'd for an increase with NFCU because my water line busted at my house and I had to pay 2200$ for a new line. The app was declined (no biggie, I really already had sufficient credit, but I WANTED a higher limit). The decline letter arrived 7 days later, says "serious delinquency" as ONE of the reasons for the decline. The hairs on the back of my neck stood up. I *had* ZERO negatives on all three reports. I rushed to request free reports (because of being declined) and learned that these a-holes (Pinnacle Credit) are now reporting on TU and EQ!!! I was furious. In my haste, I (not too smartly) called Pinnacle, who said "fax this 'agreement' in writing". I then came to my senses, and disputed it on TU and EQ. No way am I faxing jack chocolate. They will, however, be sending ME the info. they have. I wish there was a law (*crossing fingers here*) that once a CRA takes a negative OFF of your report they are not allowed to REINSERT it at a later date. I am hopeful, but the knowledge I learned here (really rusty now) has me thinking I might be fighting this for the long haul. FWIW, this is showing as a 'paid in full' on TU, and 'paid collection, less than full amt' on EQ. The DOFD is 06/2011. It's set to fall off 05/2018. Is it worth me being frenzied and upset about? It's one negative. I have a house, I have a car, no reason to suspect I'll need an exorbitant amount of new credit anywhere in the near future. I'm just more pissed off than anything. I *should have* gotten it in writing from them that they would remove and not reinsert after payment of that $300. But, of course, hindsight's 20/20.
  9. Thanks, that I do intent to do ASAP!
  10. How many new accounts do you have recently? Did you PIF BOA? The reason they have is most likely not the real reason? Any idea of what may triggered it? They had just given me a CLI from 5K to 7500 in April 2015. They did an "account review" and closed my account July 28th, 2015. I called them this morning, they said that I've increased my debt too quickly and that's why they closed the account. I explained that I just bought a house which was twice the size of my old place and I bought furniture, pool equipment, lawn mower, refrigerator, etc. They said I could "reopen" the account with a hard pull to my credit. Then offered a 1500 CL. I've no idea what really triggered it. My balance was 1300, the CL was 7500. I faithfully paid every single month on time & most of the time well over the minimum due. It still makes no sense to me. Anyway, I'm just going to pay it off and not deal with them anymore, already paid 1/2 the balance off today. I hope you took them up on reopening the account. I did because they restored the same original open date. I wasn't happy about it though. I'll pay it off and sit on it for awhile & just cycle my gym membership through it. I wasn't sure if I made the right decision, but since it was a hard pull I wasn't going to just leave it closed. I think they caught me in a 'bad' moment, although it's not bad by my standards. The debt I incurred right after buying the house was actually higher than what was shown on July 28th & has already been significantly paid down. Sears had a 0% promo, so I put the fridge on it & it's already half way paid off & will be completely paid off before that 6 months hits (don't want the interest compounded at the end). Same thing with the riding lawn mower, except that is an 18 month promo. I guess it looked bad, like I was just going hog-wild crazy. It doesn't help that my mortgage has still not shown up on my TU report, I guess it takes upwards of 90 days (I closed May 19th).
  11. Do you have a balance with BOA? How many accounts open since mortgage? Have you maxed some cards? What's your total/individual cards Utilization now? How many inquiries now? Is MCU personal loan for 460 still reporting? Please post to help others avoid this unpleasant situation. To answer your questions; I had a 1300 balance on a 7500 credit limit cash rewards card. Three new accounts open since mortgage - a sears account where I bought my fridge, amazon.com store card for my polaris automatic pool cleaner, and a measly 600 CL home depot which I ended up buying my lawn mower bagger from. In hindsight, I had zero idea that opening different cards would adversely affect my BOA standing, since I paid off other cards and the ratio still remained somewhat the same. Total utilization is somewhere around 33% 30 inquiries now (since TU put them all back on, this was prior to my mortgage and were there when they increased my credit to 7500) No, MCU is at 44$ balance, I need to update my signature.
  12. How many new accounts do you have recently? Did you PIF BOA? The reason they have is most likely not the real reason? Any idea of what may triggered it? They had just given me a CLI from 5K to 7500 in April 2015. They did an "account review" and closed my account July 28th, 2015. I called them this morning, they said that I've increased my debt too quickly and that's why they closed the account. I explained that I just bought a house which was twice the size of my old place and I bought furniture, pool equipment, lawn mower, refrigerator, etc. They said I could "reopen" the account with a hard pull to my credit. Then offered a 1500 CL. I've no idea what really triggered it. My balance was 1300, the CL was 7500. I faithfully paid every single month on time & most of the time well over the minimum due. It still makes no sense to me. Anyway, I'm just going to pay it off and not deal with them anymore, already paid 1/2 the balance off today.
  13. They just closed my 7500 limit card (of which they had JUST increased about 2 months ago) saying I have too much credit / too many inquiries. I've never had any late payments with them, my scores are low 700's across the board. I went on the consumer affairs website and complained. I have no idea why they would ditch a good paying customer, but its their loss. I've more than enough credit now. I'm not chasing higher limits anymore. I have the mortgage I was wanting so bad. It just irritates me that they would close it when I've been such a good customer. I don't know what the hit to my score will look like, probably won't even see it, the average age on all my accounts is about the same, as I started rebuilding credit about 2 years ago.
  14. Since it's been mentioned a few times in this thread, where exactly is the EQ FICO on the DCU website? I'm a member, and "enrolled" to receive it, but all it says is "you're enrolled to receive the FICO score each month", but WHERE is it?

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