MarvBear

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😇

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😇

Fred, I am not trying to be mean, but I am so confused about the timelines, I just don't know how to help you. Some of your statements are contradictory.

I am not following the timeline too closely, but it might help to know how many days/months/years you were in arrears in the amount you owed to Verizon before you paid them off.

What balance does the charge-off with Verizon show on your credit file(s)? And what balance does the collection agency show on your credit file(s)? Beyond that, you probably need to clarify some of the content which @centex called into question.

The blue portion I highlighted implies you received a dunning notice and you disputed, but that they never sent you a debt validation. Is that the case?

Why didn't you split tender the sale and pay the $1.00 out of your pocket?

Email advertising electrical power banks and nose pillow masks for my CPAP machine. Nice to know if the power goes out there is a device to power the CPAP machine, so my mouth can flap and blubber like a dog with his head stuck out the car window.

People usually lease a vehicle simply because it is a payment issue for them. And that's the wrong way to go about it. Don't finalize a transaction based on payment, because generally the dealer is the top and the consumer is the bottom.

I would strongly recommend you get snail mail copies of your credit file directly from each respective bureau. Not from another site.

Beware of Stinkrony! They are on my 💩list.

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😇

@Goku4 I will pass along something about those small loans that I learned from credit analysts back in the 1980s. Lenders dislike seeing a string of relatively small dollar installment loans from $200-$500. I used to argue vociferously with my buyers that the person was only trying to better their overall credit profile. This was before FICO® scores were introduced. Every single time the credit buyer would shut me down and say 'No, Marv, they are borrowing this money just to get by or to live on. That was before I learned how to perfect my argument. The best way to get installment help increasing your score, is to get a $5000.00 secured loan from a credit union, secured with your deposit monies. You will reap the maximum score benefit of an installment loan around the 3-year age mark.

Nope!

Welcome back.

A data furnisher can always update a credit file via their normal cyclical reporting period. I'd wager a great many data Furnishers are less than competently staffed in that area.

Cause you are a newbie. Once you make a certain number of posts in those forums which increment post count, you will soon notice your status will go from Newbie to Members. Then when you reach member status you can do a few more things. Welcome to CreditBoards.

They do that because the data furnisher/creditor is specifically prohibited from using e-OSCAR to update accounts on which they report. I'm not trying to confuse anyone, just trying to offer another viewpoint. I too have a long outstanding grudge against TransUnion. I am probably still on their "do not talk to" list. It would be the least likely bureau I would pull for one of my customers.

Nope..........................Your message was under review until manually approved. As are all our Newbies. Once you reach Member status you will be able to post without review.

What type of business? As in, Sole Proprietorship, Non-Profit, Corporation etc.? How many years has the business entity been registered in the State in which you do business? If requested, can you provide audited Financial Statements or Tax Returns? By the way. I'm glad you found CreditBoards.

Just for your information, none of the links posted in this thread are working. The subject matter is of no consequence now. Closing thread.

That's sad. Must be some horrid business practices. Wonder whose head will roll on this?

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😇

How much did it cost you? Did the try and upsell ya?

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😇