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Genie

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  1. I mailed the dispute to Transunion with the extension agreemen... to my surprise today the 1 late mark is deleted. With Experian & Equifax I disputed online yet it still shows. I received the dispute reply from Experian with the late mark. I'm guessing maybe trying to dispute it by mail with the rest of the bureau's to see if it works better.
  2. The document was made early April after they had reported me late. I didn't know about it as I was informed due to the pandemic they were helping consumers. I don't think they had the extention option in March because they verbally said they'd give me time to pay and then in April it's when they were giving out these extension. Aside from that they billed me a late fee, which I didn't complain about. Most creditors are working with consumers waiving fees, etc. Yet my extension includes March and April. I contacted their executive offices, they deny help. Won't remove it on goodwill. Then, I mentioned the agreement to them. Lady said it was done after they reported late. They don't want to delete a late mark, saying it's impossible... I submitted the document to the burau's.
  3. Yes, my signed doc says it's for 3/1 and 4/1. To pay 5/1 that it's been extended.
  4. Do you have a sample of that letter? They don't want to remove my 1 late mark and it's due to covid-19.
  5. My auto loan by Santander Consumer USA reported a 30 day late mark for March 2020 on my credit report. Before they reported this I had contacted them and they said they were assisting customers due to the pandemic. They agreed I could make my payment later and that I wouldn't have any lateness reported. I sent them a letter to request the removal of the late mark. I have a perfect 100% punctual payment record with them for over a year. This is the one late mark and it's due to a pandemic. After seeing they didn't remove I filed a dispute with the credit bureau as one of their reps suggested. I then received a letter from them stating the following: We have investigatedyour dispute and verified the information provided to the National Credit Reporting Agencies is accurate. It is our policy to report allcustomer accounts to the credit reporting agencies in a consistent and accurate manner. On the bureau dispute they also left the late mark for March and updated my newer payments. How can I get this late mark removed?
  6. I’ve had my auto loan with Santander Consumer for 6+ months. I want to refinance like the dealer suggested to lower my payments. I pay $650 monthly and it’s $612 due every month. I have to confirm this information but I think the apr is at 17.05% & CL is $27,292.08 Who should I refinance with?
  7. Great tip! I'm using these cards for things like this from now on for the protection. My bank denied the claim twice and now closed my bank accounts. If this were those cards I'm sure I'd have the money back especially with the proof I sent them.
  8. Yes, I found the paperwork. It shows declined... which auto insurance do you recommend?
  9. Hi, yes I did find my agreement with Enterprise where it clearly shows my initials declining this damage waiver. I submitted this document as evidence to Suntrust, my bank with the rebuttal form and they denied it like they didn't even look through it. Now, Suntrust closed both my bank accounts in consequence of this. I had requested the documentation Enterprise provided my bank with they were promised many times. Months went by and I never received anything. Enterprise also didn't provide any documents but just an invoice. Enterprise says they escalated to the regional office yet I don't hear from them.
  10. I declined it and my initials are shown
  11. 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.
  12. 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.
  13. Hi, can you explain what you mean by real cards and not a debit card? Is that like an American Express?

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