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  1. I'm quite curious about this too. I IIB'd Amex for $1300. I want to reach out to them and see if I can pay the debt off with the hopes of getting the Optima. I dont really want to pay it off if it's not a sure thing though. Sent from my SM-N950U using Tapatalk
  2. Yeh it seems like a muddy subject. I called in again the other day to see if I get a different answer, and I did. Apparently they now don't offer it anymore. I did a quick google search that day and found 2 very recent threads on the myfico forum. Like as recently as last month, where someone paid off the debt and were then sent a application. That thread made it seem like the key is to pay off the debt first and then request an application. Sent from my SM-N950U using Tapatalk
  3. Probably related with the buyout by T-Mobile. T-Mobile has T-Mobile Money, so maybe a new card through them is in the pipeline. Sent from my SM-N950U using Tapatalk
  4. I got through to someone really nice in the new application department. She said the letters for Optima are handled through the collection agency, and to call them for a new application. She said they can request new applications. [emoji2369] Sent from my SM-N950U using Tapatalk
  5. Ughh didnt even think of that. Shes going down to get all the paperwork she can tomorrow. Friday is the only day she gets off work early enough to have a window to do all that. Sent from my SM-N950U using Tapatalk
  6. Thanks for all the info guys. Shes not trying to get out of the debt. Just trying to see what her options are since this took her by surprise. I'm sure she will most likely have to sue the roommate in small claims to, but I doubt that will yield any good results. Just wanted to see what her options are, and where to start to tackle this. The garnishment is for 25% of here wages and will be about $400 a month. Which we really cant afford. Some really good info here though, despite the limited info provided. But that's all we have from the little notice and the debt being 9 years old. Thanks again. Sent from my SM-N950U using Tapatalk
  7. She was 18 at the time, so I doubt she was informed on the follow up actions needed after court. The gf said the roommate was ordered by the court to repay the money. Since the gf had not heard anything more on it since 9 years ago, she assumed that it was all taken care of I guess. Sent from my SM-N950U using Tapatalk
  8. They both worked nights. She thinks the roommate probably stole the cash while she was at work. The money was gone within 24hrs of receiving the loan money. The roommate's mom and aunt testified against the roommate in court and said she had stole the money. To my knowledge (as told to me), the roommate was ordered to pay back the money. Sent from my SM-N950U using Tapatalk
  9. Exactly. To our knowledge, nothing has come to the house in regards to that debt. Looks like the SOL in Oregon is 6 years. Sent from my SM-N950U using Tapatalk
  10. I dont believe she does, she going to get a copy of it though. Sent from my SM-N950U using Tapatalk
  11. First, I want to apologize if this is not the correct location for this question. Mods please move this to the relevant location if posted in the wrong place. I believe it was Wednesday or Thursday that my girlfriend got a letter from United Finance stating that they are garnishing her wages. On Thursday or Friday, her HR lady told her that she had received the garnishment papers. My girlfriend went down to the court house on Friday, and was informed that she was served back in August. To both our knowledge, she was never served with anything. The money that they are after is a nine year old loan that does not appear on her online credit reports. She checks CK which it does not appear on, and she has checked her digital CR direct from one of the major CBs. I think it was TU, but it wasnt on there. About a month ago she app'ed for a car loan, and the report they pulled didn't have it. But the sales guy called United Finance to see if they would approve her, they declined and said "bad loan history". That was the first time in 9 years she had since heard of the loan. Right after she took the personal loan out, her roommate had stolen the money along with a US Bank credit card and spent it all. My girlfriend filed a police report and the roommate was arrested. She informed the police that she would like to press charges and was informed that everything would be handled by them. My girlfriend was never advised of nor informed of any further action since. Or at least what I am told. I told her she needs to speak to an attorney and request a copy of the signature from when she was supposedly served. They supposedly sent garnishment or judgment papers to her "previous employer in August, yet my girlfriend has been with the same employer for the past 20 months. She can borrow the money to pay it off and then deal with getting the money back. But I'm not sure if that's a good idea at this point? Sent from my SM-N950U using Tapatalk
  12. I'm sure you've read this already, but order paper reports by phone. Its highly advised on these boards. Its THE only reports to go by. Period. What I'm not clear on is, I think your supposed to file disputes by paper too? Not online. Hopefully someone can clear that up for both of us. Sent from my SM-N950U using Tapatalk
  13. Im about to close mine. Lol Sent from my SPH-L720 using Tapatalk
  14. Include uitilies and bills spend with the 2 miles/$. Discounts on inflight purchases. Generis limits. And Visa or MC. Sent from my SPH-L720 using Tapatalk
  15. I will NEVER get another Synchrony issued store card. Their CS is terrible if you run into an issue. Sent from my SPH-L720 using Tapatalk

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