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  1. when dealing with any entity that you supply information to that you do NOT want used in any way except as intended add a statement such as "I am supplying this (insert doc name here) to you as requested to be used for (insert purpose here) only. Any other use is not authorized by me at this time. Should you need to use this information for any other purpose except as intended here please notify me in writing at my designated address which is (insert address here) immediately prior to it's use. " Sign your name
  2. write a dispute in error letter asking for the complete file to include any payment plans that were ever made on the account. it is hard to fight when you don't know what the terms were and them saying is like asking the rattle snake if he will bite you. additionally check the credit reports against each other and see if there are reporting the same or if they are lacking in areas of reporting such as any history. a credit report dispute may be in order to find the solution to this problem.
  3. Please accept this letter as my request as found under the FCRA and any and all State and Federal Laws. Thank you for considering my application. However I believe you have made an error in not providing to me any and all sources of information. As an example you obtained a Chexsystem report and did not tell me you did. I want my information to be accurate and want to obtain my reports from all sources so that I can review them for any inaccuracies so I am not longer affected by any negative or adverse action from creditors. However I can not do this if you do not disclose any
  4. Write a dispute to the cra's as follows: I have reviewed my current credit report and dispute the Chase account ##### This account was never activated and should not be reporting on my credit report since I did not accept and activate the card that Chase sent to me on upon receipt. Please investigate and remove this from my credit report. If you refuse to remove it form my credit report please tell me why you are refusing to remove it from my credit report. Please send to me any and all material used in your investigation. sign your name mail certified mail return
  5. I have done the credit card drives in the past and actually found a couple great dealerships. One guy from Chrysler took a lot of time with us 2 years ago and no we did not buy... then. But when we were in the market for a new to us truck we went back and found exactly what we were looking for. We asked straight out for him only because he made an impression. Made the sale and drove home. I do not see the days of old when relationships were built. Seems everyone is in it for the quick turn around and forget about tomorrow. jmo...
  6. they are pushing more and more to have you do online dipsutes so are not adding their dispute addresses. However you can find the addresses on each of the websites.
  7. Yep all these fees and taxes really make an impact. I just stayed in Nashville last week - State tax was $39.12, City tax was $7.5, Occupancy Tax was $25.38 for a total of $72 added for the pleasure of visiting their city. And let's not even talk about the $59 rooms you pay $140 dollars for. There are so many places I would like to visit but I don't like to be robbed for that pleasure. and let's not forget about the cable bills, the cell bills, the utility bills - these all have added fees above and beyond.
  8. I know there are people that have not found themselve in an issue with their credit and for them I am happy that life works out for you and applaud your ability to rise about us all. However for those that have either been through the life issues and had to claw your way back or those new I ask you to take this to an attorney representing your interest and ask them if they think it would be a good idea to agree to this. I am cerain that a good consumer would tell you to run the other way and never look back. I am not an attorney by any means - just know several of the best on my sta
  9. I don't trust Crap One and wouldn't even if they notarized it... they are sneaky, they lie, they cheat customers. It should not be a questions of "IF" they would do it. They intend something with this in the future or are giving collectors more power. However the question for each of us "Do we want to give a credit card or any creditor that must ability, that much power over us?" As stated... this went through a lot of lawyers to think up this exact language - Crap One pays millions a year to teams to dream up ways to keep their behinds out of court. We can sit back and say
  10. "For anyone who's had an unexpected catastrophe in their lives that derailed their finances, this is a promise from Cap 1 to multiply your misery exponentially. Crap One, indeed. So brazen and shameless!"... Exactly I know people are going to be reading this and say you took the money so what's the problem. Or capital one is just putting it in their agreement but they're not actually going to do it. Sorry I've been on the receiving end of creditors doing something just because they could. Years ago my credit lines were cut first by Home Depot, then by Citibank and five months time I we
  11. I must say I was taken aback to read this today. Being Capital One I'm not much surprised. Do we as consumers really want or need this type of garbage this bad. Isn't it about time we start the ball rolling and just saying NO WAY! They put this in their business practice for several reasons I would believe: 1) contact you by mail, telephone, email, fax, recorded message, text message or personal visit; While capital one may not take the bold step to visit you at home or at work I would not put it past companies such as Midland are Unifund to set the stage for their local coll
  12. I received an in house mod - went from adjustable to fixed rate and that rate dropped 1.34%, dropped my payments $77 month. Back payments put to the end of the loan. I have also applied for the independent mortgage review and will apply for this new program as soon as BofA starts accepting apps on it.
  13. Unless you get a judgement that the CRA's may pick up the foreclosure will only report on the account once. CRA's at this time are not searching the public records and adding these foreclosures to the public records section of your credit report... yet!
  14. For Alabama try Watts & Herring Birmingham, AL 205-879-2447 http://www.suedbyadebtcollector.com http://www.alabamaconsumerprotection.com/ http://www.alabamaconsumer.com/ sign up for their weekly newsletter http://www.consumerpowernewsletter.com/ they have been successful for me in both State and Federal.
  15. I understand the need for a hardship program and know that consumers WANT to pay their bills and will do most anything they can to do that. BUT these creditors will also say most anything to get that money out of your hands into theirs! With that said have any of you asked for the program in writing? Let's take US Air - they called me and offered a one time payment as payment in full of the account. Offer letter that I requested said "we will note your account as settled in full. We will also forward this information to the consumer credit reporting agencies. This will result in yo
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