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About mzkatdoesnails

  • Birthday 12/07/1972
  1. NEVER USE THE " NOT MINE " DISPUTE WHEN YOU ARE IN FACT, ASSOCIATED WITH THE ACCOUNT AS THIS IT UNDERMINES YOUR CREDIBILITY. "NOT MINE" DISPUTES SHOULD BE RESERVED FOR MIXED FILE DISPUTES ( FWIW , ID THEFT ACCOUNTS SHOULD NOT BE DISPUTED THRU STD FCRA DISPUTE PROCESS, SEE PINNED TOPICS IN ID THEFT FORUM) FROM THE CDIA MANUAL 18. Question: How should a consumer’s association with an existing account be terminated? Answer: Report T in the ECOA Code field (Base Segment Field 37, J1/J2 Segment Field 10) in the segment containing the consumer for whom the association is to be terminated. All payment history for this account will be retained. Do not report this consumer in subsequent reporting periods. ( What is the difference between ECOA Codes T (Association with Account Terminated) and Z (Delete Consumer)? Answer: ECOA Code ‘T’ should be reported when a consumer is no longer associated with an account. In subsequent reporting periods, this consumer should not be reported. The account, including payment history reported prior to the termination will be retained, but future updates will not be applied to the account for this consumer My Answer to the CRA/ OC would be the account should not be continually reported as " Collection Account " because there is nothing to collect as it is $0 Balance and My responsibility was terminated. ‍♀️oh dang I messed that up.. ok Thanks for the response I’ll do that Sent from my iPhone using Tapatalk
  2. Gm hello cb family I need help! I co signed for a car for someone and they filed bankruptcy after three years of having the car. Once they filed bankruptcy the judge terminated my rights. However it still reports on my credit as a collection debt. It says responsibility terminated with no balance. I have disputed it as not mine. They sent me a payment history print out saying it is mine. Are they still suppose to be reporting this under my name? Can I get this off my Credit now or I have to wait till it fall off next June? Sent from my iPhone using Tapatalk
  3. i applies with EIN Sent from my iPhone using Tapatalk i applied with EIN Sent from my iPhone using Tapatalk Sent from my iPhone using Tapatalk
  4. Same thing happened to me. On trusted Sent from my iPhone using Tapatalk Sent from my iPhone using Tapatalk I’m knew to this how do u go in from backdoor? Sent from my iPhone using Tapatalk Sent from my iPhone using Tapatalk I’m new to this how do u go in from backdoor? Sent from my iPhone using Tapatalk Sent from my iPhone using Tapatalk
  5. ok thanks geez so discouraging. I’m new to this business Credit and just starting to build. Thanks again for the reply. Sent from my iPhone using Tapatalk
  6. I applied for business credit with Speedway Business Universal. I received an email approved $2000. Then they overnighted the cards. I received the cards and tried to activate but was told application is in underwriting second review. OMG!! Has this ever happened to anyone before?
  7. GM, any suggestion for south florida/north florida
  8. Hi, I'm so excited I found this forum. Thanks for allowing me to be a part of the community. So I started this journey of repairing my credit as of Aug 21, 2017. When I came to the site I was all over the place and didn't start by really reading everything. I was just overwhelmed!!! I just grabbed the first letter i saw and ran with it. I sent a few letters out. Then I decided to read everything from scratch and make notes. You already know mistakes were made left and right. Well, after I sent out the first batch of letters I realized that I sent some wrong letters out. However, the creditors that received the wrong letters didn't dispute they just deleted the account. On the other hand, I have three issues that I need HELP with. 1. CA ( CALVARY) I sent the DV letter to them CM on 8/30/17. They responded on 9/14/17 and stated this: Cavalry is in receipt of a letter of dispute made pursuant to the Fair Credit Reporting Act ("FCRA") on the above-referenced account. In acknowledgment of the dispute, we have requested that consumer reporting agencies report the account as disputed. We have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow us to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA. Please provide us with the specific information that is being disputed and an explanation of the basis of the dispute. 2. OC Regional Acceptance I had two loans with them. Both loans show as a negative item on my credit as a charge off with responsibility being terminated. The first loan I co-signed for someone who ended up filing a Chapter 13 and included the car. Which currently only has three months left in bankruptcy with a balance owed of $1866 on the car. It was court ordered for my name to be surrendered off the loan. However, on my credit, it has last payment 08/2017 balance $26K. I disputed with OC and CRA and the only thing they did was change the balance to 0.00 and update it to say consumer disputes but disputes meet FCRA. For the second loan with them, the car was just in my name. The car was totaled out in a car accident back in 3/2016. Car insurance paid out and Gap insurance paid the difference. The credit report shows balance $17k and account closed charge off bad debt. But the same thing I disputed it and the only thing they did was update file to say consumer disputes but disputes meet FCRA. or something like that Please Help What should my second move be?

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