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  1. That’s from a moderator. Explains that whole forum.
  2. mdcrabber


    Does anyone know if these are currently issued as a Visa or MasterCard? They seem to constantly change it.
  3. Received similar letter today, but for my Defender Amex switching to a VS at the end of February.
  4. Today’s “Epic Contributor” is tomorrow’s “Moderator.”
  5. I guess the kiddie forum will stress out over how to achieve their 10 scores, followed by applying for a crappy card that gives you a free F 10 score.
  6. Are you providing a personal guarantee for these? If so, how do your personal credit reports look?
  7. Which collection agency is it?
  8. Couldn’t find a master approval list for this section, so sorry for creating a new thread if I missed it. Accepted a “just for you” offer last month with a 5k SL that supposedly bypasses 5/24. Was 18/24 Didn’t want to post until I figured enough time had passed where I wouldn’t receive the chase shutdown.
  9. BMO has it in branch. I’m not sure why they can’t just add it online as well.
  10. This bad advice is often encouraged by the moderators on there as well.
  11. You said the SOL is coming up soon with your TU report. Are you sure you are not looking at the date TU is saying it will be deleted from your reports? SOL and date of deletion would be two different things. are you getting dates from a mailed trans union report? HSBC folded up shop almost nine years ago before they sold to capital one.
  12. Bank of America closed an account of mine and since I was an online customer with paperless billing, they refused to send a final paper statement. Problem was, when they closed the account they removed online access. After they didn’t respond to my request to get a final statement, I contacted my state AG and I was sent a year’s worth of statements. Always escalate if you are getting nowhere.
  13. Was this a gold’s gym? They use a biller that also does collections.
  14. Forgot to add this loan never has appeared on his reports, just the two that he took out himself and has been paying on for four years.
  15. My spouse received a 30 day notice from a collection agency representing the Department of Education for a loan that his father (same name as him) evidently took out for him several years ago. My husband is currently paying each month on the two loans that he took out himself with no issue. His father currently has early onset alzheimer's and is not being helpful when we tried to question him about the loan today after receiving the letter. For some reason, the collector knows my husband's address and it is addressed only to His First/Last name which is the same as his father without a Middle initial or name. My husband has also been receiving Medicare and retirement advertisements to our home and we questioned him why he was getting mailers at our home. Based on my reading here in the past, I know not contact the collector by phone. Should we contact the Dept of Education directly? Should we contact an attorney? He has never received a bill for this loan in the past and has just been made aware of this loan today. Thank you for any assistance

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