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SushiMan

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  1. EQ Clear, EX re-dispute in progress via MD laws to provide contact names of people who verified the information. TU re-dispute in progress as they closed without giving any reason other than "Verified" so asking them why also. Small victory. Side note, any that spiked EQ FICO 08 to 785. Know a lender offhand using primarily EQ for auto lending? The database confused me a bit. Couldn't figure how to scan for only auto loans, and found mostly credit cards.
  2. @hdporterSorry for the confusion but focusing purely on this issue -- The letter indicates 'another address' but they had my address for the last 10 years (Well within the times of this car) so I have to assume my ex moved (Since we don't keep in touch) and updated the addresses on the account with one of the ones that shows on my credit report that didn't get removed as mine despite both letters, online, and phone removal attempts. With my SSN and the VIN of the vehicle, the phone reps did NOT find the account for me, and the online shows "no account history" when I login. If they *DO* find them, I basically would like to have the entire account removed from there. By Maryland laws, they're required to send the forms showing that vehicles were sold and for how much to all account holders. I never received anything at all from them so at the very least, the 'balance' I'm not responsible for by state law. However, my assumption is the co-signer changed her address with them, and they for some reason also changed my address...which I can't get removed from my CR because it's now tied to that car loan...which I don't think *should* be permissible, but I'm also not law-savvy unfortunately. This is going by reading at the court websites and the link I posted related to what I found after searching repo laws from Why Chat's page. But in summary -- a total removal would be absolutely ideal.
  3. @Why Chat - I have checked my reports - They're still there. @hdporter - I spoke with a rep on the phone multiple times now. Even with my SSN and the VIN of the vehicle along with my name, they're not finding an account, nor does their online system. So I'm admittedly getting very frustrated with the process, but I do calm down before making the call, but thank you for that. Feeling at my wits' end over this doesn't help in the least. -- If that was an inability to confirm via address mismatch, but their online system uses SSN and VIN, shouldn't it have pulled the account to show me what the address on record is? With the CRAs, I initially did do an address dispute on a couple of places where I'd never lived on all 3 bureaus, and one came back verified. I'm under the assumption that my ex (IE the person I cosigned with) may have moved to that address, but mine should've remained the same on file with Bridgecrest, which it apparently did not. I can try asking for a supervisor again and see if they can find anything at all. I'm just reluctant admittedly to tell them that address and have them 'lock it' to me when I haven't been there. @cv91915 - But were the reps on the phone able to see the account?
  4. OK, I'd already tried the primary disputes, so I sent the letter to the OC (Bridgecrest) and the seller of the care (Though it was the same, their Drive Time company division). That letter was their response. I'll send them the copy of the credit report portion with them on it and request them make sure it's not verified to the CRAs. There is no CA reporting on my CR. Just the massacring of late payments by Bridgecrest, which I've disputed in parts with varying successes, as since they refused to give me receipts when paying in person at one location, I started sending it with fee from Walmart. Bad time and I'm never getting back to that point in life, I can promise you that. But it was the only way I had proof they were misapplying payments and marking things late that weren't. But after this debacle, I'd love to get rid of that whole thing, so I appreciate the help. Letters will go out ASAP.
  5. @Why Chat -- Neither one -- The OC , Bridgecrest that wants more information. With the VIN and other numbers on the report, and putting my SSN on their online profile, they report (Per screenshot above) that I don't have any information on file with them. And the above is their attached letter.
  6. Yes, it is still on my reports; their letter basically said that they wanted more information from me (I did link an image redacted above.) There has been no removal at this point, though. And glad to help, at least it's a minor something I can do to be useful.
  7. Hi everyone, Got a response back to Why Chat's letter today. I did login to their website with my information, and found this: Bridgecrest - I don't exist. Also, there was this letter in response that they want me to basically fill in my information for them, despite the initial letter having the VIN and identifying information, and my SSN in their system from screenshot above indicates that I don't have any account with them to fill out. I am severely DISinclined to give them anything else at this point. What should be my next steps from here: The Bridgecrest response to this letter. Thanks for all your help and insight -- The original letter did give them the VIN, my full name, and account number portion shown on the credit report. Thanks, SushiMan
  8. Correct. Such I paid them down. This month, they'll report with $5, $0, $0. But it's not recognizing them. I called in MyFico support since FICO didn't have a number for an algorithm issue, just to contact MyFICO support...they claim that the cards are being calculated in, which makes no sense numerically speaking. Then I got the stupidest advice ever from the supervisor "Maybe you should try letting a balance report for a while and see if fit changes things. Using your credit more can help build your credit scores." Direct quote I kid you not. But even if all 3 did have that balance, it shouldn't have pulled it down to the degree that it did. So now I'm waiting on the letters results from sending out via Why Chat's method above.
  9. And I'm unsure why an ongoing battle with a creditor (And only negatives) would be called 'trashed over YEARS' -- But no one's demanded in minutes at all here. I've tried to fix such with them over time, and after now finding they violated several state laws, it's closer to time to play hardball of getting it finally fixed and removed. Then it's nothing but positive and moving forward. @dredee0 If you actually bothered to read the thread rather than come in on a high horse, you'd realized your comments would also have been answered above as far as the accounts are in repeat use; I just prefer not paying interest, and they're paid off on a date that fits my budget well. They've reported various totals before. Month before, one had $7, one $3, and the other $150. So all 3 are in active status, not dormant. If that was missed the first time, there it is again.
  10. Don't feed the trolls. At least on my thread. I got excited for a reply for no reason.
  11. Why Chat, just as an FYI as I know you put a lot of work in your site, the links to repo laws are no longer active. However, I did some googling, and found what I think is a pretty good source for Maryland, where I am currently. https://itstillruns.com/car-repossession-laws-maryland-7324094.html Never got any of the forms mentioned here, and had to make multiple calls to find out anything at all over the years. So with that said, that's required notice and all other parts that weren't received under Maryland law. I've prepared the basic letter per guidebook, but per that site list of repo laws, seems there's a lot more ammunition that I thought.
  12. First off, thank you all for the various responses; they are all appreciated. @hdporter @centex I actually live with the person who added it, though since I maintain an address in GA, I do not change my license, as my son attends school there with his mother still, as well as my other home is there. I'm not sure if the algorithm picks that up, but I do receive mail here, and have updated my address with my banks and credit cards. The cards that are listed are all active, even within the last month, so the dormancy question can be knocked out the box. I did just move here, and just get the cards added, so that's my likely assumption, and terrible result for my luck, but it is what it is. @cv91915 They are not actually in sequence, I just totaled them up, but I do have the paper report to try to go over. I had multiple complaints with Bridgecrest over the time of the car about them not applying payments properly, and I kept a pile of receipts as well. From what I'm reading here, one thing is to go back and each incorrect application to dispute them all, but I want to make sure to do that properly. It seems like they just might make minor corrections here or there rather than remove the whole tradeline, so I want to make sure I take the proper steps. I'll take a look at Why Chat's guide first off. @Why Chat Thank you, I will take a look at the guides tomorrow and see about starting the processes. I appreciate the hard work you put into those! I did find this on the guide, however "It may be used AFTER 2 years from the date of the repo sale, providing there has been no filed claim for a judgment. It should not be used if you have been sued, or if the repossession is less than 2 years ago." With the repo sale happening in February 2021, unfortunately it appears I shouldn't be using that guide, if I properly understand....but then I see this: "It can be used earlier than 2 years from the repo date if you are SURE you received no notices of the sale." Since I was listed as a co-signer, I didn't get anything, nor do I have contact with the person who was the co-buyer, but no, I got nothing. So does that mean I *should* try that route? Sorry for the questions, I just want to make sure I don't take a mis-step here with the only negative. Thank you all again, SushiMan
  13. Hi everyone. I have been working on getting my credit back in order. However, I need some help with a couple things. A friend added me as an authorized user on 3 cards, so I have a perfect four year history on them. However, there is only one negative on my report, but it seems to be crushing my score entirely, despite the perfect history on the 3 credit cards. I will give a miniature breakdown here, so any help understanding this, or how to handle it would be appreciated. My goal is to be able to get a loan for a vehicle (Getting a 2014 Nissan Versa for $3500, but minimum loan at the credit union is $6000, so I'll be able to pay it down faster using some of the loan funds) However, the FICO 08 from Experian.com shows at 539 currently. Which obviously would NOT get me a decent loan rate. Positives: Chase Freedom Flex: $0/$15,000 Chase Freedom: $0/$4,000 Capital One VentureOne: $0/$15,000 Negative: Bridgecrest: This was a loan that my ex had and I co-signed on at the time. Was a horrid loan, and lesson learned. I've paid $16,000 in it, they said even if I paid it off, they wouldn't send the title to me, it would go to her since she was the first signer, and I stopped making payments, she never paid anything on it. She's since disappeared. So anyway, last payment I made was August of 2020 looking at the Experian credit report.(paper copy). I voluntarily gave it to them as a repo in January 2021 after they refused to say I would have the title if it was paid off. I don't know how to fix this, as the interest rates were absurd, and after they sold the car at repo, they list the balance as $7,970. This only negative seems to be the thing crushing my score, with allegedly only '4' on time payments, '4' 30-day lates, '10' 60-day lates, and '6' 90-day lates, and '20' CO statuses before changing to 'R' since Jan 2021. What would you recommend to help with this? Thanks in advance for your help. The side question: Experian's FICO 08 shows as 539, but their breakdown shows "0 accounts paid on time" though all the revolving cards are. It shows "100% of accounts have late payments" but none of the cards have ever been late. Is that causing a miscalculation in the FICO score? Thanks, SushiMan
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