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creditcaper1

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  1. I didn't even know something like that could be done. The only problem I can see with that would be paying interest. Right now my debt is not being charged interest. I'm assuming if they granted me a new account, there would be some interest I would have to pay.
  2. Thanks for the information from all you guys. What are the chances that I might get sued before the 7 year time period? I have been making regular payments, but maybe the bank will be worried that if the tradeline is removed from my credit report, I will stop paying. (I wouldn't stop paying either way)
  3. I see. Which piece of information on the paper reports would help me figure out what will happen come the 7 years?
  4. Nope. I have a credit monitoring service with Experian and I see this information when I log in to my account.
  5. Viewing it on my experian credit report, an N is listed every month. Says it stands for Negative. The balance is also updated every month also.
  6. HI, I had a credit card with Bank of America that first went delinquent in 2013. It was charged off a year later in 2014. BoA still owns the debt and I have been slowly paying it off every month. It's going to take me at least 3 more years to fully pay off this debt. Later this year will be 7 years since this account first went delinquent. Will this account be removed from my credit report even though it's not paid off? Thanks for the help.
  7. If the debts are indeed his, what is the point of sending a DV letter?
  8. Would a lender ever let a debt go past the statute without attempting to sue?
  9. What is your problem? My problem is I am not 100% satisfied until Sams club provides me with a hooker. So where is she......? She's in the Walmart parking lot. But she must be provided to an address of my choice. Otherwise the satisfaction is not at 100%.
  10. What is your problem? My problem is I am not 100% satisfied until Sams club provides me with a hooker. So where is she......?
  11. I hope you aren't serious. Nobody here ever asks for approval of M$ activities, which is the only borderline activity promoted on CB, and nobody encourages others to partake in it without knowing the negatives as well. This was a general statement. Not directed to specific activity or person. IMHO CB should not a place where people come to get insulted even if they come from that other forum. This is not about me. I am Ok. I really feel terrible when new members, some of them maters, fathers, are essentially being abused. Not cool. Why can't we disagree without being disagreeable to each other? Stop abusing new members. I see a lot of post on here disparaging the FICO forum. I don't get it, but I think some people need to find a reason think of themselves better than others. "I'm better than you because I have more posts than you and I'm on a better credit forum!" Really? You seem to think you're better than CV. Keep in mind that MFers literally plagiarized thread for thread from CB when that forum was started. They also censor content and datamine personal info. I don't think I'm better than anyone here because I don't know anyone of you. Except for PotO, that guy is an Flower Pot! (<--------a joke by the way)
  12. I hope you aren't serious. Nobody here ever asks for approval of M$ activities, which is the only borderline activity promoted on CB, and nobody encourages others to partake in it without knowing the negatives as well. This was a general statement. Not directed to specific activity or person. IMHO CB should not a place where people come to get insulted even if they come from that other forum. This is not about me. I am Ok. I really feel terrible when new members, some of them maters, fathers, are essentially being abused. Not cool. Why can't we disagree without being disagreeable to each other? Stop abusing new members. I see a lot of post on here disparaging the FICO forum. I don't get it, but I think some people need to find a reason think of themselves better than others. "I'm better than you because I have more posts than you and I'm on a better credit forum!" Really? So the fact the MFF deletes "advice" that does not promote the bottom line of Fair Issac does not concern you? or that the only way MFF advocates dealing with derogs is GW letters and time? I don't know the first thing that goes on at that forum. I've only viewed it once and I don't have an account there. Whether or not it's a good place for info or quality content, I don't see a reason to put someone down for using it. The a few weeks ago I read a post on here and the main point of the thread was to make fun of something someone said on the FICO forum. Just seems kind of pointless. That's just my take.
  13. I hope you aren't serious. Nobody here ever asks for approval of M$ activities, which is the only borderline activity promoted on CB, and nobody encourages others to partake in it without knowing the negatives as well. This was a general statement. Not directed to specific activity or person. IMHO CB should not a place where people come to get insulted even if they come from that other forum. This is not about me. I am Ok. I really feel terrible when new members, some of them maters, fathers, are essentially being abused. Not cool. Why can't we disagree without being disagreeable to each other? Stop abusing new members. I see a lot of post on here disparaging the FICO forum. I don't get it, but I think some people need to find a reason think of themselves better than others. "I'm better than you because I have more posts than you and I'm on a better credit forum!" Really?
  14. No checks on your planet? Most stores only process refunds in the same tender the payment was made, except for check payments. You are a liar, CrapperFlake. Stop pulling stories out of your flowers. I've returned items to national retailers by mail that I've paid for in cash and received a check refund. Do you know what the word most means? It's not a synonym for the word all. Please stop name calling. I don't know how old you are, but I'm guessing people don't enjoy reading that type of stuff. But you are an salamander. Sorry if the truth hurts. Funny how you now struggle to justify your moronic theory. Most. Such as Penney's? Macy's? Neiman? Nordies? WalMart? Sears? Target?? Because each and every one allows items bought in store to be returned by mail issuing check refunds. So now is when you pull yet another story out of your flowers. Or else try to tell us you mean Dollar Store, Salvation Army's Thrift Store or KFC when you say "most" national retailers. You just found a way to get cash advances on your credit card and pay the purchase APR. Buy in store, return through the mail and get a check! I know you are the one making things up. I worked for one of the retailers you mentioned and there is absolutely no way to buy something in the store and mail it back for a refund. But I'm sure you'll just call me some other insult to cover up your lack of facts.
  15. No checks on your planet? Most stores only process refunds in the same tender the payment was made, except for check payments. You are a liar, CrapperFlake. Stop pulling stories out of your flowers. I've returned items to national retailers by mail that I've paid for in cash and received a check refund. Do you know what the word most means? It's not a synonym for the word all. Please stop name calling. I don't know how old you are, but I'm guessing people don't enjoy reading that type of stuff.

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