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  1. Same here, I'm just in my second billing cycle and it hasn't shown up on any of my reports yet,
  2. We need more info on the account to provide good recommendations on how to proceed. How long ago did you open this second Citibank account, and when was it charged off -- or more importantly, when was the date of first delinquency on the account? Is the second charged-off account past the statute of limitations? (depends on when the clock started and what state you reside in). It sounds like your lawyer challenged the debt collector on the first debt, and the debt collector was unable to provide documentation to prove in a court of law one or more of the following: you actually owed the debt the amount of the debt they claim you owed was accurate and true that they were the owners of the debt If the first account was old enough, and depending on when Citi sold it off, it's possible that some of these records were lost or destroyed, or else never provided by Citi to the debt collector who bought the debt. Who knows how many times the debt may have been re-sold from one debt collector to another before the final one contacted you to attempt to collect. It's not so much that you don't owe the debt, it's more a matter of what they are able to prove in a court of law if you have good representation.
  3. It's a good practice to periodically do a search for your information on these various data aggregator sites and request to have it deleted wherever you find it: https://www.infoworld.com/article/3168318/how-to-scrub-your-private-data-from-people-finder-sites.html https://www.techlicious.com/tip/remove-yourself-spokeo-intelius-peoplesmart-mylife/ https://lifehacker.com/how-to-opt-out-of-the-most-popular-people-search-sites-1791536533 https://www.lifewire.com/remove-personal-information-from-internet-3482691
  4. I was thinking the same thing. It's also possible they are trying to quantify how many claimants are using each of the alternate credit monitoring services -- they might be thinking of trying to do a deal with MyFICO, for example, to provide credit monitoring at a reduced price for those claimants already using MyFICO -- some kind of bulk discount deal. Then they could offer the court the alternate credit monitoring in lieu of cash payouts. The offer for free Equifax credit monitoring covers all three major bureaus for at least 4 years, but they don't say if it only provides alerts of new/suspicious activity, or monthly or quarterly reports, or includes FICO scores, etc. I would be tempted to take their offer of free credit monitoring for 4 years or more if it included monthly reports and FICO scores in addition to credit alerts. But one wonders if they will be around for 4 more years -- they still face numerous lawsuits outside of this class settlement. They could be the next Arthur Anderson or Lehman Bros.
  5. UPDATE: I received an email message from the claims center. They want me to provide the name of the alternate credit monitoring service that I am using, even though I already did so in my original claim and also provided a copy of a receipt for the monitoring. Includes an offer to abandon my claim and accept the offer of the Equifax free credit monitoring instead: According to our records, you filed a claim for alternative compensation of up to $125 in connection with the Equifax data breach settlement and certified on the claim form that you had some form of credit monitoring or protection in place and will continue to have the credit monitoring in place for a minimum of six months from the date of your claim filing. You must either verify or amend your claim by October 15, 2019. If you do not, your claim for alternative compensation will be denied. • To verify your claim for alternative compensation, you must provide the name of your credit monitoring service that you had in place when you filed your claim. - OR - • You can amend your claim to request free credit monitoring instead of alternative compensation.
  6. I guess you would have to call the gym to find out if they still hold the debt or if they sold it off. Not sure how big this outfit is; you may have to talk to someone in accounting. Just call the front office and start asking for someone in charge of memberships or accounting. I think it's likely the gym still owns the debt and hired the CA to collect it for them. In either case, if you are in a position to pay it off quickly you can probably prevent it being reported.
  7. Depends on if they were to pull a regular credit report or a full factual report. The latter can indicate credit history going back 10 years or more. Some potential employers also pull credit reports as part of a background investigation, and these can also be full factual reports, especially if the annual salary is above a certain amount -- I think it's $75,000.
  8. I haven't received any notification about the change from REI or US Bank, but the appearance of my virtual REI MC in my Apple Wallet changed overnight -- it now has the red sunset in the background as seen in your link. This makes me think they may re-issue all the physical cards.
  9. What is it with these crazy astronauts? Remember the one a few years back that was stalking her ex and even chased him across country wearing diapers so she wouldn't have to stop for bathroom breaks? I thought astronauts had to pass through serious psychological screening.
  10. Got my invitation today and applied and was approved. The application process was simple and fast, but I had to scan the front and back of my driver's license as part of the application process -- I've never had to do that for a credit card application before. Approval was quick, just a couple of minutes. Hard pull on TU. Initial credit line is lower than I expected, based on what others have posted. I have no late payments and no derogatory trade lines, and my credit history is pretty long, but all of my active accounts are relatively young, and I have a few new accounts that are less than two years old, one of which is less than six months old. I can't think what else might have contributed to the lower than expected limit. But the limit is high enough for what I plan to use the card for, and I can ask for a CLI down the road when my open accounts have aged a bit more.
  11. We're living in the last generation of repo men. All new cars today have gps and satellite coms -- the dealer or finance company can send a signal to the car to disable it when the loan payments get too far behind. And in 10 years or so all the cars will be autonomous and will just drive themselves back to the dealer's lot when you miss a payment or two.
  12. Credit Karma has a fairly accurate "approval meter" that shows your likelihood of getting approved for various cards. You can search by categories, such as general rewards, cash back, travel, balance transfer, etc. I agree you should keep your current Cap 1 card and let it age -- it will improve your score over time. When the average age of all your cards is 7 years or more you can consider canceling that account again. Make sure you use each current card once every six months or so to keep them from closing due to inactivity.

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