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johnnybgood

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About johnnybgood

  • Birthday 10/21/1977

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    CA
  1. Wow, that's nuts. Didn't see anything about "all" payments in the first post. Too bad this isn't a collection(OR I GUESS IT'S NOT TOO BAD rofl), if it was a collection agency, you could take a sheriff down and force them to accept the payment.
  2. johnnybgood

    Inquiries

    Oh, yeah, and don't forget to add the date of the inquiry in the account number section.
  3. Citibank is 15 days. Fortunately there are Citibanks all over so if I have to, I can just go inside and make a payment.
  4. I don't think there's anything that requires them to accept online payments anyhow, unless maybe they themselves advertise that you can make online payments any time and it's free, or something to that effect, by using their online service or something.
  5. johnnybgood

    Inquiries

    EQ will delete with no questions asked if you dispute them in the email section of the dispute links they provide. You'll see one link that says "if you don't have an confirmation number". Plug in the info from the inquiries into the little boxes and click the "not mine" box. However, you'll have an easier time crushing diamonds out of coal than you will getting the other two to delete them.
  6. I'm not quite sure why you'd be happy to NOT be able to have the hard removed, but yeah.
  7. Let's take this one step at a time. In the above statement, that is the same thing as... intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished andinvolving the extension of credit to intends to use the information in connection with a credit transactioninvolving the consumer on whom the information is to be furnished to review intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished or collection of an account of Now, all three credit reporting agencies state specifically in two different sections. One is for hard inquiries and for everyone that has ever has applied for creditalmost always has a credit report pulled and the inquiry is placed in the "these inquiries are viewable by everyone". There is a section for each of the three credit reporting agencies. They always put those there. Therefore, those apply to intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished andinvolving the extension of credit to Then, for every other credit inquiry not associated with involving the extension of credit to, they put them in the other section noted by all three agencies as these are viewable only by you. These would be "soft inquiries". Every other inquiry goes there, including this one... (ii) to review an account to determine whether the consumer continues to meet the terms of the account. Therefore, unless the inquiry that the current creditor makes goes into the soft inquiry section, which includes inquiries that are generated for the specific purpose of reviewing your account, then they are pulled for the wrong reason, which is a non-permissible reason, because YOU the DEBTOR, didn't initiate it. Sure, the FCRA doesn't specifically state soft inquiries, but whatever they can be called, everyone one that isn't initiated by YOU the DEBTOR, should be coded as a soft inquiry and should go into the "viewable only by you" section, THAT WAY THEY DON'T COUNT AGAINST YOU AND THAT WAY PEOPLE THAT PULL YOUR REPORT DON'T THINK YOU'RE seeking out too much credit. Otherwise, they're pulled for an unauthorized purpose, or a non-permissible purpose, which would be a violation.
  8. I'm afraid you're wrong, Sassy. I'll explain why in a second. Give me a second to draw up the argument as to why.
  9. I hope you are right, because that would give me the opportunity to remove a hard from a cc issuer who pulled a CR, then AFTER issuing the card, decided to pull a CR on another CRA. The extra pull is on EX...Is there a non-pp there? This happened months ago during my app-o-rama, and the cc issuer was State Farm Bank...relating to another thread on here about State Farm Bank...they do NOT like alot of new accounts. GREAT insurance company...I'm not so sure about their bank, though. <{POST_SNAPBACK}> I don't think it's ever been challenged.... http://creditboards.com/forums/index.php?showtopic=70485 ...'til now. Wish me luck.
  10. Only if they don't follow through with the suit, though.
  11. If you want action fast, it's your best bet. Or you can wait weeks for the person who hacked your account to get away. Either or will work.
  12. Wow, this is a tough legal question. I'd have to think that the bank is SOL(yes, sh!t outta luck), and you have no obligation to pay that debt at all. It's not your fault they didn't put it through the CC company in time. I'd suggest you consult a lawyer on this one as it could go either way since you were the one to get the cash and they can't get paid for giving it to you anymore.
  13. I'd call and have them send me monthly statements for every month the account was open.
  14. <{POST_SNAPBACK}> I'm serious. That's what it says there. http://creditsolutionscorp.com/
  15. I IIB'ed them. They tried keeping the TU reporting as an OPEN account, verifying it twice, til I sent off an ITS and it disappeared a few days later.

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