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  1. Just tried both numbers today...no results Looks like the CB community has been making them work to hard. I asked to speak to the EO, CSR told me they do not take calls. Told her I wanted an underwriter to review my account for a CLI. She said the only way for a CLI is through the automated system.
  2. Since fixing my credit, it's waking up some zombie debt. A few months ago I received a letter from a CA attempted to collect on a debt (was within SOL). I sent them a DV and have no heard back. I'm worried about this collection popping up on my reports. What should I do?
  3. Finally just got my first 5k cl US Bank Cash Plus visa signature. Pulled TU for me and I also have a unpaid bank account with them in chex from a few years ago (so apparently this does not black list you). Was also approved for Discover IT....1,500 cl
  4. Got a response from CFPB: Explanation of closure Please be advised Equifax verified that Judgments 09204, 13062, 0916 belong to you and that the public record items are reporting correctly on the file. Written confirmation was mailed to the address on file.
  5. haha wouldn't say it was a novel, but ya maybe I over complicated it. Yes 2 of the 3 judgments are reporting "pending; satisfied" the other is just "satisfied". The fall off date is next year. I dont understand why TU/EX immediately removed them and EQ hasnt. Then when they do a re investigation they send me the same sh*t.
  6. Thanks TMCgill, There's no master list of Banks that blacklist based on chexsystem accounts?
  7. Congrats Seangar. How long is it suppose to report that way for? I'm not sure? I thought if a judgement was abstract it should be removed? This whole process is a headache. 1. CFPB still say's processing. Guessing the response from EQ was automated. Going to wait until it's completed to make another move. 2. Checking the bd on eq still says the dispute is pending. They sent me a credit report which I received yesterday along with the results of the reinvestigation. Still showing the status of 2/3 judgments is "pending; satisfied". Says nothing about "abstract" on the report
  8. I've been searching the forums but haven't really found a definitive answer. I have chex accounts with US Bank and BOA (both were overdrafted checking accounts). Will these accounts blacklist me from being approved for these banks credit card products?
  9. Have you done this? I can't see them just randomly accepting a check. Also, the amount on my chexsystems report is different then what Northland claims I owe (which is quite a bit more).
  10. Tweak, I called US Bank and they wouldn't give me any info on the account. They just gave me the CAs contact info. I'll check out the link, thanks
  11. So, after a year of hard work my scores are finally in the 700+ range (from the low 500s). And I'm noticing it's attracting CA's trying to collect on old debts. I received a letter from one CA trying to collect on a 10 year old debt...immediately sent them a FOAD letter. I just recently received another letter from Northland Group Inc trying to collect on an old US Bank debt (checking account). This debt is still within the SOL, it has never showed up on my credit reports but it is on my chexsystems report. The last thing I want is a new collection being added to my reports after finally g
  12. haha man that's a lot of new accounts, time to garden bro. Thanks for all the info
  13. The only negative you have is a charge off from 2010? No collections? What state are you from? How long ago were you approved for Credit One? Is your 560 score from myfico or is it fako? First thing you should do is read as much as you can on here...especially the sticky pages. Everyones situation is different. When I first started I had several collections, over 50 student loan lates, civil judgements. From the info I was able to obtain from this site, I got them all removed. I made a ton of mistakes along the way though, Credit one being one of them. When first starting my rebuild I imme
  14. I went from 450 to 700 in a year, so it's definitely possible. Lot of factors that weigh into it though
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