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Posts posted by rslifkin

  1. 1 hour ago, creditmaze said:

    I didn't know what an ITS letter was. I have seen it mentioned for months here but I couldn't figure out what it was or what it stood for. So on a different site it says it stands for "Intent To Sue".


    I have placed a call to a consumer protection law firm locally about my matter.



    Are they willing to take up your case?

  2. 28 minutes ago, MarvBear said:

    Joe,   In all the years you have been harassing us, one would have thought in the meantime you would have taken the bare minimum of time to read the FCRA.

    How many more times are we going to play this sad sad game?

    I've actually been thinking about printing it out and reading it. A beginner's post says the FCRA is a big, complicated thing that has to be re-read even by seasoned people every now and then; whereas, the FDCPA is more straightforward. I have two printers now and a whole thing of paper, so, maybe when i organize my room I can print it out. Maybe even a big calendar too, so credit goals etc can be written on it. "Visual aids"


    I remember the Dispute Addresses Online with Equifax; I was always under the impression those things did NOT need to be sent.. Asked me all the LexisNexis sourced questions, two were difficult to answer, but I verified it was me. I do wonder if my dispute went through.


    Want me to read it all the way through soon? It may be difficult, but, if I find it online somewhere, maybe it can be done. I don't think anything is impossible. I may even have a check that no longer has to go to anything; I could give even more to dear Mama Breeze's funeral? I am very saddened by that event, very much so. No exaggeration.


    "How many times are we going to play this sad game?" - I really don't like thinking or looking backwards, so I will say, hopefully never. I have come to a point where I really don't want to play any games.. So, to tailor my own credit repair to my own life, I thought I would make a thread to address. It is beyond my power whether or not as to if it is "Moderated." I have come to a point in my life where I'm not (as much) chasing the fast and good life, no longer want to fight with anyone, and really don't have time, frankly, to re-hash what I can most politely call "old negativity." I think there is a new era here, and I've even said (even in my videos to you) that all that stuff I feel is in the past and even this paragraph is too long.. I have absolutely no intent to make problems for anyone and I think all of the words that I have typed within the past.. I can't think of how long but 2018-forward bear this out.


    Life has changed for me, Marv. I still have bad credit. I really hope you and I can come to an understanding that I want to be a part of CB, not the least of which to advance my own credit, but also part of life.


    Mom has passed, MY Mom still wants me to get S.S.I/S.S.D.I., I keep telling her they won't give anyone that works or has worked84 hours a week that. I'll answer any questions you may have... Different forum? E-mail? Not at all? I don't want you to think I'm ignoring you this time. Current event: My bird flew away yesterday (evening, moving the cage, where did the rod go?!!!) and was sitting in a tree as of 8A.M. so I am typing this in between playing bird sounds, setting food and setting water in the hopes he comes down. I haven't really seen the brightly colored little fella past the morning, so... These past couple weeks have been sad, yessir.

  3. Hello, all. Wasting no time, wanting to hit the ground running. I have some serious work ahead if I want to clean up my credit.

    One of the first things I did was go to Equifax Online Dispute - for addresses. Good, they only had one previous. I disputed it. The box checked was "This address does not belong to me." (They had two other boxes; one of them saying same/similar name, the other fraudulent.)

    After doing that, I see a new message - this the ai.equifax.com site:


    Next Steps

    Please note your Dispute Confirmation Number printed at the top of this page.  It will be required to check the status of your dispute.

    In order to process your request to change your personal identification information, please send us a copy of the following documents.

        1. Valid Driver's License
        2. Social Security card or W-2 form
        3. Utility Bill

    Please print this page and fax or mail it with the required proof documents indicated above within 24 hours.
    Please ensure that your 10-digit Confirmation Number is included with any documents you submit to us.

    Submit to:     Fax: 1-888-826-0549    or

    Equifax Information Services LLC
    P.O Box 740256
    Atlanta, GA 30374
    Your dispute verification process may take up to 30 days and we will keep you informed via email on the status of your dispute.

    Please note, when you provide documents, including a letter, to Equifax as part of your dispute, the documents may be submitted to one or more companies which are subject to your dispute.
    Okay, now... That seems new. Do I have to send them any of that?
    I thought all you did was dispute online and it falls off 1-2-3.
  4. On 8/31/2018 at 4:50 PM, TheVig said:

    A customer of mine has a very large employee breakroom. All the vending machines take credit cards. All of them clearly state they accept Amex. Well they don't...…….until now. Owner of said business told the vending company to accept Amex or pull out all your shyt.


    Needless to say I'm happy when I visit. Top brass at this place is happy too. The vending machines code as restaurants. After all we talking serious first world problems if we don't get 2x MR on a bag of chips.

    Did the vending machines start accepting Amex again?

  5. 17 hours ago, Pam said:



    This is not entirely accurate.  A BK or debt settlement company will have that effect.  A DMP such as Greenpath will not.


    A DMP such as Greenpath won't have that effect if payments are kept current until the plan takes over payments.  I realize this is not always the way people approach it.  Programs such as Greenpath do not advise that you stop paying prior to them taking over, or require that your accounts be in default before they intervene.


    During the time that a person is in the DMP, accounts will be notated as in a DMP, but once the DMP is successfully completed according to the negotiated terms, the note about the DMP will be removed, and the account will be reported as PIF and no derogatory info for the time in the DMP.  For a 36 month program, this would put all lates as at least 36 months in the past.   Some of the accounts will say "Closed by Credit Grantor" in the notes but that isn't factored into your score. I've got 2 on my report that have never had an effect one way or the other on my ability to obtain credit. 


    More importantly, in the rebuilding phase, if you use a DMP you haven't burned all those bridges.  Walking away, BK, and debt settlement will burn those bridges, some more permanently than others.  A DMP will not do this - you're paying back the full balance, just at a reduced or removed interest rate.



    This is some good info.

  6. On 9/3/2018 at 7:26 AM, legaleagle2012 said:

    JH is a debt buyer. The OC should have stopped reporting after they sold it. There is no magic way to have it deleted unless it is inaccurate. If they sold it, the balance for them should show as zero.  Depending on where you live, this could be past the SOL since it is five years since DOFD. You want to  consider that before you antagonize these people. You could invite a lawsuit.

    The OC can report a zero balance but the junk buyer can report the new balance, yes?

  7. Imagine, if you will, a tube of marbles...


    Picture a copper water pipe laying on the ground. The pipe is skinny - only about a 1/2 inch think and about 6 feet long. This pipe can hold exactly 84 marbles. When you try to put more than 84 marbles in, they start pouring out the other end. The pipe represents how much data EQ stores.


    Now image there are two different marble colors - red marbles, which are hard inquiries, and green marbles which are soft inquires. As time goes by, every time you apply for credit and get a hard inquiry a red marble is placed in the pipe. Also, whenever a company checks your credit with a soft inquiry, a green marble goes in the pipe. So you have a mixture of red and green marbles sitting in the pipe in chronological order. When you attempt B*, you try to flush all the red marbles (hard inquiries) out of the pipe by loading it up with 84 green marbles (soft inquiries).






    Credits to jaybee :)

  8. I use several visa cards daily and for auto pays. Do I need to take steps now to hedge my risk? I assume banks will begin closing visa cards in light of this news.



    Its sort of odd.. but the only Visa card I ever had was a Prepaid Debit Visa, back in 2008/2009 when I started my credit repair. Everything else has the Mastercard logo. All my cards. I have at least 4 Mastercards... No Visa... My bankkcards MAY be Visa. Ill have to look now.


    Maybe later. I dont use them at all. Only the CCs...



    That article was dated on 8/2011, if im reading that correctly. Anyone know what else happened? Is MC taking over the world?



    Note the magnet. ;)






    ^ 320x240. :)

  9. its called a firestone credit card.............anyway its called self gradification. I learned how to bump off inquiries and had every single credit card available. When I was bored i would go purchase something. Then the next day came I would purchase something again...


    I'm not sure if you realize it or not, but you've turned your entire life into a classroom to teach yourself financial literacy... through the school of hard knocks. Spend some time trying to learn the lessons - best advice anyone here could possibly give you.



    He obviously doesn't care ******* like him are why we pay higher interest rates since dead beats dont pay their bills


    @ edens04!!!!! You sent me a pm and called me a looser. When a person does ignorant stuff like that they lose credability. You must understand every situation is different and you have no clue.......Next time come across with a soft aproach to get your point across. ( you will learn this in time when you grow up) Anyway, these boards are awesome especially when you don't take advantage of the system. I acknowledge what I have done and I will pay the price. I am sure my credit will be so bad I won't be able to rent a movie. BTW I am in construction and if 1 person goes bad and doesn't pay you, it does have a ripple effect. No excuses here but I held on as long as I could. PS My 6 year old son loves me and he doesn't think Im a looser. My 4 step kids that cal me dad for the last twenty years don't either...Hee Hee


    Wow - I would think someone in your shoes would have some type of remorse to the situation. However, I think you are like one of the previous posters stated taking advantage of the system which most on here are trying to prevent. It is hard to believe a person who is worried about losing their vehicle is more interested in purchasing wheels for a vehicle they may lose. I agree that if possible that the money should be put towards trying to catch up instead of rims - lol. I don't think you have learned or are trying to learn anything from this experience. I personally don't think you should write off your credit like this. I see tooooo many people here who are fighting hard to get their credit in check and this post seems to be the complete opposite. But I do respect your honesty - wow.



    I have to totally agree here. Being irresponsible will ALWAYS catch up, even if it takes awhile. Ive been through it and i can attest to that. The key is, once its put to bed, to not poke at it with sticks, and move on to getting to the point of better credit.


    This means not only no rims on cars that may get repo'ed or are behind on payments :blink: but also putting the money from work like construction (or any work) to paying bills on time, as lates hurt your score more than anything.. And even if upside-down on a car as I now am and we are "stuck" with it, (its ok we use it more than most people use any vehicle and it sees triple-duty,) we make it work.


    As to learning from examples: Please, let me be one.. I used to drive vehicles with no license, get them impounded if I ever got pulled over, get a ticket, go to Court, turn around and use my ID (not license) to title a new vehicle and then do it again. (And im not talking about what I did for license plates.) Did that for..a couple of years plus. Now, since I reached a milestone and I work in a Union (Ive been hired on already. I am thankful) and also a personal milestone of birthday, I dont do that **** anymore. I still need to get a Jax FLA lawyer for that last one (why oh why did I have to burn out my tires. I shouldnt have did that. Now its waiting for me so its up to me to build the money for proper defense and representation, I should be ok but now see the boat im in? I created a hole, by being irresponsible. Thats $2500 to an attorney. So after I put THAT to bed it will never reoccur.) In that year's time, my life has changed 180 degrees and now I dont drive to work. It is what I have to do. And look at the rewards it has brought.


    I feel like most, if not all, of the people on this board have their own battles to fight. Maybe not suspended license, auto repo, but anything on a wide spectrum. We come here for help and I used to be a .. ok im not going there, but now I can share and give advice and I have learned from my experiences too.


    And, surely, this is the polar opposite of "messing around on these boards."


    Ill continue to browse through this thread, and that was a cool MJ pic but yeah, the impetus was on me to break the cycle of irresponsibility. Now I got a CLI three days ago for my birthday, a new Store CL, and my balances are at $0. Id say thats a great turnaround. And no car, nor rims. At least not yet. :good:

  10. I still think Kim is one hot piece of woman. I would never be able to bring myself to use the card, but I'd probably pull it out of my wallet every once in a while for a peek.


    Mrs. Emma Peel from the Avengers.


    Hot Hot Hot!


    Man I am

    Old Old Old.



    Look... I walked out of that movie 25 minutes into it as I found it horrible..... but they need a Jessica Biel/Natasha Romanov card. Not even so much her, but Loki are the reasons I stayed past RDJ's performance. I did not like this film, AT ALL.


    Jessica Biel may in fact have the first level of hotmess that is illegal. It may have finally happened.


    And no, I did not look at the credit.s.its just that she was smoking hot in The A-Team (2010) and it looks like she tripled that for this movie. All i can say is.. WOW. For 25 minutes of a 2 hrs 32 minutes runtime movie.. Only movies like The Godfather can pull off that length. This film sucked. Go see it if you like CG, narcissists, bad humor, and superheroes, along with OBVIOUS script from EVERYONE but Loki. I dont. I have more but im not re-ruining my weekend by bringing it up. Im done with that film. Forever.


    Now, about that card..

  11. This NJ resident approves of this. :good:


    There was also a ruling or law introduced in NJ in regards to debt collectors that "No debt collector may use the verbage 'we intend to sue to collect on this debt' unless they actually were prepared or going to in fact sue to collect." I forget the ruling, but I remember hearing about it some years ago. Some kind of "Consumer Debt Collection Protection" law.


    Also, I have never received any correspondence from a NJ debt collector. They have always been based in some other state. No examples I can give, just any state not NJ.

  12. I have the ELFCU mobile app on my phone. My initial plan was to deposit $44 a month with it. And this speaks to a larger question: I have had PSECU since early 2011, if not late 2010 (I forget.) I have just shy of $100 in it. I am making regular monthly deposits, starting last month. So I have PSECU that I am in.. I want the PSECU 10/10 or 20/20 combo. Now.. IF I start actually banking with both of these CUs (AFAIK i do not have checks with ELFCU just the debit card) BUT establishing positive history with ELFCU.. Well, can I then get a Secured CC with ELFCU and use it for positive history so when 2013 comes ill have positive credit history AND positive PSECU history?


    1. It is past May 20th. How are the ELFCU Secured CCs looking?


    2. EZ LOCs do NOT help FICO, correct?


    3. Is at least $44 a month deposited into the Think Big checking good, or good enough, for a "positive history" with ELFCU?


    Now that all the excitement and easy-in fun and lightheartedness has worn off, I ask myself this about the "Andrea 2" as ELFCU has been called another Andrews FCU. :unsure:

  13. I logged into my account to check the balance of my Cap1/HSBC RZMC Platinum. I noticed they increased CL to $10K. At least I got some good news after all those unlucky things.






    Ill be paying to $50 like foe then pulling trigger tomorrow. Im curious to see what they say. Tgey are handing them out, for sure! :good:


    BBRZ $100club Gold here. No CLI of any kind.. though I didnt pul trigger post-HSBC.


    :clapping: Congrats Ron! Maybe ill be receiving one too! Maybe! :yahoo:

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