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Genie

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  1. Recently they applied for a bank card but the letter in the mail says there is no credit score available on Equifax, the bureau they used to make the decision. So it seems the card can't be opened due to that.
  2. This is what the rental company said: It looks like the insurance company covered the rental from December 13th until December 17th. From December 18th to December 26th, it looks like the main renter was responsible for the rental charges. I am also showing the Damage Waiver was added to the rental for an additional $21.99 per day. It looks like the insurance company did not cover the Damage Waiver. The total the main renter was responsible for with taxes and fees included was $566.04. They are charging me for a damage waiver. They told me in person that the same insurance I covered the car while I rented it, so that would be free. Yet I returned the vehicle in perfect condition. I was also informed by them that my insurance agreed to pay after that given date above. So now they're trying to charge me extra and the insurance is trying to leave me with this bill. The car supposedly cost $23.99/day. I had to return it on the 26th due to the holidays and their location being closed. I'm waiting on the documentation the bank has about this dispute.
  3. Hi, can you explain what you mean by real cards and not a debit card? Is that like an American Express?
  4. My card is a Master Card from Suntrust bank towards my checking account.
  5. My car insurance carrier is the same insurance carrier of the at-fault driver... I have progressive select and he has progressive american insurance co.
  6. I don't recall if I used my pin. I provided my card for the $50 refundable deposit as a requirement. The insurance (Progressive) would take care of the payments. I gave them my card because it was refundable. I offered cash too but I think they didn't accept it. I was billed around 6 or more times by the Merchant. I'm not supposed to pay anything. I returned the car in perfect condition. The insurance is paying directly. Seems they want to make more money off of me. The car is $23.99/daily and I only had it for a few days and I'm being charged more than it costs, more than my monthly insurance, more than a financed car monthly payment. Yet the insurance is paying for it so I shouldn't even be billed...
  7. It’s for a car rental that the auto insurer is responsible for as my car was totaled by an at-fault driver. I have proof of the rental reservation they made (which they sent via text) and I also have a receipt showing the car is $23.99/day. Progressive is supposed to pay for the rental. I, however, provided my card as it was a requirement for a $50 refundable fee. So I didn’t provide authorization to be billed but I’m concerned they’ll use my deposit to dispute my rebuttal. It’s a lot of money that they charged me and I need this refund. Currently, my bank refunded me other transactions from them for $261.98 but then they denied this recent one which is for two charges of $204.06 and $100.00 that I disputed together plus 3 overdraft transaction from my bank for $36. Right there that’s $304.06 charged by the rental company and $108.00 in bank fees. The rebuttal form that I need to complete says: Please provide all new and relevant information to this case that was not provided at the time the claim was opened below that should be considered to reopen your case. The denied dispute letter said: During our investigation, we determined that no error occurred and your case is being denied. It also says I have the right to request copies of any documents that were used in decisioning my claim. About the claims I had entered with my bank: I seem to have worded it differently... This is what I wrote for the denied claim: My auto insurance agreed to pay for this rental car. I only provided my card to them for a refundable deposit which has nothing to do with this transaction but they are billing me more. Thus, this is why I’m disputing this transaction as I should not be billed. I returned the car in perfect condition with the gas tank filled. My insurance is taking care of the payments. I did not provide my card to be billed more. Please refund... This is what I wrote for the approved claim: According to ENTERPRISE RENT-A-CAR records my auto insurance agreed to pay my rental car. I only provided my card to them for a refundable $50 deposit which has nothing to do with this transaction but they are billing me more. Now there are multiple transactions. Thus, this is why I’m disputing this transaction as I shouldn’t be billed. I returned the car in perfect condition with the gas tank filled. My insurance is taking care of the payments. According to ENTERPRISE RENT-A-CAR records my auto insurance agreed to pay my rental car. I only provided my card to them for a refundable $50 deposit which has nothing to do with this transaction but they are billing me more. Now there are multiple $50 transactions. Thus, this is why I’m disputing this transaction as I shouldn’t be billed. I returned the car in perfect condition with the gas tank filled. My insurance is taking care of the payments.
  8. Genie

    Auto loan missing from Credit Report?

    Other than that I don't have a history...
  9. I'm in the market to finance a new car and have had a car loan before which I started in 2008 for 12k + interest from Carmax and I finished paying it completely a few years later but it's been deleted from all of the credit bureaus. I think it was deleted after disputing an error. I wanted it corrected but instead, they deleted it and now my credit shows no history of a car loan which could benefit me in getting the new car finance. Is there any way to get this loan to show back on my credit?
  10. No negative reporting, they just haven't used their credit
  11. This is for two family members. They have score's in the 600's but don't have open accounts. Member #1 Scores are 627 on Transunion and 667 on Equifax. No open accounts. Member #2 Scores are N/A on Transunion and 638 on Equifax. No open accounts. This person applied for Costco credit card recently and was denied mostly due to no open accounts I believe. He got a hard inquiry on both bureaus. All of their closed accounts are in good standings but there isn't much history. I, for example, have the Capital One that I got about 7 years ago to build credit. I could maybe add them to my account or try to get them to obtain their own cards. Maybe there are better cards.
  12. Genie

    Deleted Reshow

    Hello, I had a Sears/Citibank account deleted from all 3 credit bureaus. Eventually, it reappeared under a Collectors called Midland Funding yet it's the exact account that the bureaus deleted. I tried sending them a copy of the deletion telling them it's the same account but they didn't remove it. I was wondering if you can guide me on how to solve this... I sent a letter to the collector too but you know how they are. I just don't want to be wasting my money on certified mail and notarizing for nothing. How to make sure that a deleted account doesn't reappear again once it was successfully disputed and removed from all credit reports.
  13. Genie

    credit card spreadsheet

    Love this
  14. Disputing those accounts with the bureau can help remove them maybe if there are any inaccuracies. The other option is to pay the collectors, as in "pay for delete." A lot of collectors who take over the accounts are willing to work with you in order to get paid. However, you would need that agreement in writing to assure they will "delete it" once you're done with the payments. Although, most times it's recommended to leave those accounts alone (you have less than 3 years). Once you make the first payment to the collector, I believe it starts impacting your credit more than leaving it alone. When you pay them directly... I think that's how they get your card or checking information. Of course, paying and removing negative accounts does help your credit as well.
  15. Genie

    Should I get AmEx Blue Cash Everyday?

    Glad you figured it out

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