Konrad2012

Ive been calling (888) 245-0625 for Chase...still waiting for my faxed documents to get uploaded. Wonder which number would work better?

Thanks!

Just wanting to double check... Being added on to an AMEX as an AU will NOT report as an HI for the cardholder (the original cardholder)? Need all my ducks in a row to get my biz partner to add me on. If no hardpull it will be a non-issue.

As of Aug 4th I had 0 unsecured credit and a BofA 3k secured CC Graduated/Pc'd BofA to Cash rewards 6k (and got my 3k back) Barclay Rewards 3k after recon Discover 1.5k after recon Lowes 300 called 3k after recon Victoria Secret 500 Still have a Chase Freedom app floating thru their computers (had to fax in identity/address verifications) August was a good month

OMG...I don't quite pay 55/day for my son to go to private Montessori school. Can her dog read?

Yes definitely read that thread before. It's one of the ones that makes me so impatient! People have seen 50 point increases by deleting the public records. My EQ FICO this morning was 685 (via MyFico) but that isn't showing this 1st deletion yet. If I could get 50 points by PR deletions, and a little more from my new revolving lines and some aging, come Jan 1 I would be in as good a shape as is possible for me. There would literally be nothing more I could do other than pay things on time and let accounts age further. (Other than D*, B* but I'm talking a nuts and bolts perspective)

I wish...I would have had that thing vacated by now. Its the California State Board of Equalization. No chance...period...of getting them to vacate it. It's paid and has been released for going on 4.5 years. Only chance is to find (or create) a technicality...have a CRA or 3rd party reporter have a clerical error, mess up or get lazy. It was actually for a Sales/Use tax filing that went back to 2007, so I'm also pondering disputing it as beyond the DOFD. I know that shouldn't matter in regards the CRA's as its a public record/filing meaning it should go by the date the lien was released...but again, I need to find or create a technicality.

No intervention, no backdooring. Just checking my little monitor thing and noticed a deviance from the prior versions. I know better than to meddle with disputes in processing

Well, I just 20 minutes ago received an email alert from Equifax in regards to the same two items I disputed in a similar (identical) manner. Pulled up my new report. The judgment was deleted. Very happy at this moment. If I can get it off of one, then I can get it off of all three in time. Hoping that the change on the Transunion thing is a precursor to a deletion. Wasn't as fortunate with the paid tax lien. It came back as verified.

3 of the 5 public records on TransUnion which I disputed were deleted last week. Its just these last two remaining...which also show up on all three major CRA's. One is a paid/released tax lien from the CA Board of Equalization. If I don't succeed in finding a technicality or lazy employee, it's my friend until late 2017. Another is a judgement from a company that doesn't exist any longer...Its been succeeded not once but twice in the interim. Again if I cannot find a technicality, loophole etc its my friend until Feb 2016. I know I need to wait for the results by mail, but that means I have to wait patiently, which is difficult for me to do...especially when I've done so much in the preceding 20-25 days.

Oh they're mine. But that doesn't mean I'm not going to try and find a technicality, have them make a mistake, get a lazy employee etc in an effort for deletion. Since CRA's don't go to the courts, and the CRA's wont tell me who the third party providers are, I plan to write letters next in green ink reminding them of Cushman vs TansUnion and the courts findings that they are responsible for more than parroting information back. In essence making the CRA's validate the public records. But I'm wondering why the data fields changed yesterday?

Hello all- Today my TransUnion monitor showed something strange on my public records items. On a paid tax lien, as well as a filed judgement, the date filed/reported field became blank. Yesterdays report (and the last 25 days) all showed data in this field. This now means the judgment has no date tied to it whatsoever. I have had a phone dispute in on both for appx 10 days as not mine since the full ssn isn't reported (so I cannot tell if it is mine) but this was the first change to occur. Any suggestions as to what it means?

My handwriting is so bad I was afraid it would be illegible. I used a Word font called swirls I believe. Text recognition software will have a difficult time with it. Greens and reds don't always come out well on non-color scanners, that's the reason for the colored fonts. Make a person read it, make a person have to pay attention. Its a war of attrition. The fact is most people don't give a damn about their jobs so this is one instance where it can be used to our advantage.

NuVision FCU will accept you with no credit check. They will give you a savings secured installment loan with no hard pull. You could ask them requirement for a secured cc. They have a live time online chat.

Did you plea or were you convicted? If the state you were in has "wobblers", go back and see if you can get the conviction changed from a Felony to a Misdemeanor. Then get the misdemeanor expunged. That's a better route than just a straight expungement. You can also apply for a writ of rehabilitation, or a gubernatorial pardon.

AG sent me a letter today. They are in contact with EX. Hopefully this gets me some results.

I've been involved in many hobbies/interests that involve message boards. In two of them, the communities are actually very small to where eventually you meet everyone in real life. Some peoples online personas are exactly as they are in real life. Some people are cyber gods but living dorks. Some people you'd actually like in real life, but their online doucheiness is a boundary impossible to overcome. The internet, it's anonymity, its distance is sometimes a sad social experiment. Kind of like how a locked door keeps honest people honest...

I received my Innovis report today. It had no recent INQ's, hard or soft. It does report current BofA CC info. It does report 2 negative TL's...old but within reporting guidelines...including a repo that the big three report as a positive TL. Since it has no INQ's, I'm just gonna freeze it/opt it out and pretend it doesn't exist for now. But its kind of like a dormant land mine...

There's a secured LOC on the same page... Not sure his reasoning for wanting it, but MofO has one..and they have a cool abbreviation

http://www.mutualofomahabank.com/individuals/loans-credit-lines/personal-loans Saw this today while looking at MofO related to another posting...

Did search prior...went back and re-read that thread. At the end it appeared most of the revolving LOC's were actually reporting as revolving in the end

Sent in my notarized docs 2nd Day Air last night to NASA. Going to let that relationship age a little before I hit them up for the Visa though.

Here is where I am currently at: Ficos from MyFico today show 675-680 across the board. reporting- BofA 6k CL 1300 balance (actually $100 but the payment posted a day after reporting) Barclays 3K CL 0 balance All of my inq's not yet reporting- Victoria Secret 500CL Lowes 3K CL Discover 1500 CL in limbo- Chase Freedom - they waiting on verification of identity (thanks EX), which has already been faxed. Will call recon/analyst back tomorrow NASA FCU - they have accepted me contingent on receiving verification of identity/address (thanks again EX). Will use NASA for a secured installment product, maybe two, that I pay back 90% of 1 month after I receive them...paying the 10% balance over the remaining life of the loan. Will work on rotating utilization through all new revolving cards with personal as well as reimbursable business expenses for the next six months (PIF before every statement). Try to get the last paid tax liens to disappear (dollar bill 1st then WhyChat and Jack Attack the stragglers). Will buy some stuff for the wife on VS and PIF. Will buy some screwdrivers and Christmas lights at Lowes and PIF. Get my business partner (or someone else who trusts me not to f*** them to AU me on an Amex. Buy some Uranium miners since Japan and China are about to put a bunch of reactors online (buy with cash not credit) In six months go for an Amex while the INQ's are all aged. D* Next hit BofA for a CLI, then try to get Barclays and Discover to match. Will hit VS for CLI. Will tell Lowes I want to remodel and would really like to utilize their card for the 5% discount but I need a CLI. Then I will go after NASA for a big limit. That is my plan. Hoping for Tier 1 scores soon.

2nd Chase recon- Lady had a very stern demeanour, which put me on the same mindset. Went thru things. Now I have to fax copies of my proof of identity/address to Chase thanks to Experian supplying my wrong address and issuing a fraud alert when I made them aware of it. Last guy told me to kick rocks, she is requesting identity info so I feel like I have a chance at a toy limit at least. 5% on the Chase freedom from Amazon and Zappos 4th quarter would be nice for Christmas. Also would make it easy to show usage on the card.

Going to call Chase again now. Actually got a Lowes today also. Original approval through fraud dept 300, transferred to UW and received 3k in 60 seconds...should have asked for more.