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curly

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  • wjh

  1. Thank you for the input everyone! They were COs, not BK, but large amounts.
  2. Hi, I am wondering how long AMEX and Chase black list former customers who had COs. I think I remember that AMEX used to BL forever. Is that still the case? TIA
  3. I had a BOA AU account (opened in 1973, closed in 2013) that was apparently helping my score a lot. It fell off TU and my score plummeted 70 points. I checked and it is also gone from EQ but still on EX. I had just gotten my score over 700 for the first time in 6+ years. I have been disputing but, of course, not that account. I did not remove any old addresses because I didn't want it to get deleted too. Did BOA stop reporting AUs or does it seem I caused this by disputing other accounts? Is there any way to get it back on? Thanks for any insight.
  4. I am really confused by this. Today I received a 1099-C for Cancellation of Debt from Discover Bank. The amount listed is $850 and change, but they have a judgement against me for $5,750 filed in Jan 2013.
  5. Welcome to CB!!! I am not sure I get your point. As I said, I was an old-time member, joined back in 2003 as anyone can see. I posted off and on for many years and then was away for several more. Since you are so interested in my history, I am sure you saw that.
  6. Ditto. Thanks for saying what I have been thinking a lot since I came back here a couple of weeks ago. How come neither of you stuck around to pay it forward? How do you know I didn't? I helped a lot of people during and after my credit repair. I couldn't find my log-in for a long time and only recently was able to re-access my original account. And, as far as "paying it forward," believe me, I volunteer to help people every single day and have changed thousands of lives for the better in my other activities. Not everything is about credit repair. That said, Konrad2012, I have appreciated the answers you have provided to recent questions of mine trying to get back up to speed. I was talking more about the general tone than any one person in particular. There appears to be a lot more condescending responses to those asking for help than I remember in the past.
  7. THIS exactly ^^ Someone who has been around before the crisis in '08-'09 when this site was amazing. Ditto. Thanks for saying what I have been thinking a lot since I came back here a couple of weeks ago.
  8. I asked a simple question, which is what the purpose of this group is. I did not ask for your opinion on it. And, for your information, freezing EX was suggested to me so they will pull TU when I apply for a CC since my EX and EQ are in still the middle of disputes and the TU disputes have concluded favorably. And, it won't be my "first" credit card. It will be about my 25th since, thanks to what I learned at CreditBoards, I had over $200,000 in CLs before my financial issues. Your condescending attitude is unwelcome in my threads. So, please, I ask again, just scroll on by. The answer to your question is no. I don't understand why you wouldn't want more context than that. And if you aren't interested, there are probably 20 other people reading this thread that are. Context is welcome and appreciated if it isn't couched in condescension. Cheerleading for the CRAs at the consumers' expense rubs me the wrong way. Thanks for your response to my question.
  9. I asked a simple question, which is what the purpose of this group is. I did not ask for your opinion on it. And, for your information, freezing EX was suggested to me so they will pull TU when I apply for a CC since my EX and EQ are in still the middle of disputes and the TU disputes have concluded favorably. And, it won't be my "first" credit card. It will be about my 25th since, thanks to what I learned at CreditBoards, I had over $200,000 in CLs before my financial issues. Your condescending attitude is unwelcome in my threads. So, please, I ask again, just scroll on by.
  10. Yes, but it should be a right. There are a lot of things "allowed by law" that are not consumer-friendly. That doesn't make it right. They make millions (or more) of dollars by compiling sensitive personal information on us and then, in some cases, don't even protect that information to the degree they should and the resulting breaches put all of us at risk for identity theft. Then they are allowed to charge the consumer for the "convenience" of freezing their own personal information. I think they make enough money off of us, so yes, it is my opinion that it is ridiculous. If you don't agree, you can scroll on by. I was never charged fees when I previously froze my CRs when I first become involved in credit repair and this board back in 2003, so I was not aware of the change.
  11. I just tried to freeze EX and it said there is a $10 fee to do so. That is ridiculous that they charge for this. Is there any way around it? I don't really want to give them my debit card number (don't have any CCs). Thanks!
  12. curly

    CapOne Recon?

    Thanks so much! We will do exactly as you say.
  13. curly

    CapOne Recon?

    I just encouraged my DH apply for the CapOn QS1 after CK estimated an "excellent" chance of approval and he got an instant online approval for a $1000 CL. This is his first decent CC issuer in decades so we are very excited. Should he try recon for a higher limit and, if so, what is the best way to do it? (BTW, they pulled EX in Calif.)
  14. Does service alone qualify a person as a veteran? As long as you were active duty for 180 days or longer [NG and Reserves were covered under a qualified rule], one was considered a veteran upon discharge for the purposes of the Veterans' Administration [VA home loans, internment in a VA cemetery, etc.]. Law/rules may have changed, but as long as one can show a DD214 with a general or higher level of discharge, it counts. Thank you for the info! I am excited to be eligible for NFCU!
  15. Does service alone qualify a person as a veteran?

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