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MarvBear

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Everything posted by MarvBear

  1. I am very sorry to hear about your loss of your fur baby. They are a prescious we always treasure the time we spend with. My condolences on your loss. Sent from my SM-P580 using Tapatalk
  2. Because I'd rather file the report and not be in doubt were I to run afoul of an IRS CTR audit. Those guys don't play. Their interpretations have not always matched mine. Sent from my SM-P580 using Tapatalk
  3. I agree totally! That's why I would personally comply with the request. But that's just me. Sent from my SM-P580 using Tapatalk
  4. Personally I would have filed a CTR and an SAR. If the amounts were as I asked. It fits traditional money laundering patterns although I'm making no accusation about the OP. Sometimes the things we do have unintended consequences with even the best thought out plans. I've been there many times myself. Sent from my SM-P580 using Tapatalk
  5. Just curious about the amount because since Discover is a bank there is a possibility of an SAR. Not sure just curious. Sent from my SM-G986U using Tapatalk
  6. To the OP: Was the Bank check sent to Discover for $10,000.00? Or was it less than that amount?
  7. Please learn one of the first lessons of CreditBoards. Don't do the CRA's work for them and dispute online, especially thru a third party. Do it in writing with at least Certified Mail directly to the bureau with which your dispute is based.
  8. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: Pam, MarvBear, radi8, LKH & 😇breeze😇
  9. Your agreement did not contain any language regarding reporting to a credit repository?
  10. From the FCRA. § 610. Conditions and form of disclosure to consumers [15 U.S.C. § 1681h] (a) In General (1) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [§ 1681g], that the consumer furnish proper identification. (2) Disclosure in writing.
  11. Not here in Florida. I just send them out to the DMV just down the street and they come back with the new title in hand with the proper name on it. Florida says no to title jumping. PITA
  12. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: Pam, MarvBear, radi8, LKH & 😇breeze😇
  13. The thread is reopened. There are certain members that cannot participate in this thread because of TOS violations.
  14. Dear MARV, The state of Louisiana has changed their trade-in tax credit rule. They are no longer allowing trade-in credit for a vehicle that is owned by a spouse. The only time trade-in tax credit will be granted is when the vehicle is titled in Louisiana and is owned by the buyer purchasing the new vehicle. Please review your pending accounts for the state of Louisiana, if the trade-in vehicle used for tax credit was owned by a spouse who is not listed on the vehicle being purchased, you will need to recalculate without trade-in credit. The only way to apply for trade-in credit for a vehicle traded-in by a spouse is if the buyer titles the vehicle in their name first in the state of Louisiana. If you have any questions, please reach out to our Dealer Support Services at (561) 276-3040. Best regards, Your DMV Nationwide Team at Interstate Title Solutions, Inc.
  15. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: Pam, MarvBear, radi8, LKH & 😇breeze😇
  16. The Equal Credit Opportunity Status field. ECOA. It is an alpha numeric field. What are those two characters on your credit file(s)? The numeric part is what I am looking to have you tell us. I should ad that it is easier to determine on an Equifax report.
  17. What does the ECOA status field show for each respective CRA?
  18. Welcome to CreditBoards. We are a DIY credit site, and as such more than pleased to offer you advice. That would be the extent of our involvement.
  19. Ask for whatever the vehicle is worth. They will not give you retail though.
  20. I was in a comparable situation. I knew I couldn't be upside down much, if at all. I won't give an endorsement to the business, but I found a local WeBuyAnyCar dot com establishment. Painless and I walked out with a check although small with my equity. Note: I did not take their first offer. I countered and they accepted. From my perspective, I got what I wanted.
  21. That primarily would be the deal killer, without examining your credit application and credit file.
  22. A Bankruptcy that old would not be the sole contributing factor. What do your adverse action notices say?

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