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RacieRacer

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  1. RacieRacer

    Juniper/Barclays CLD #2

    I wonder the same thing. I also wonder why they ratejack people, it's like they are asking to get stiffed by forcing people to file BK or otherwise just give up. Do they wan't people to file BK & get little to nothing paid back? Seems like I'd charge a halfway decent interest rate so I would be more apst to be paid back than to have the people just give up and let it charge off or file BK.
  2. RacieRacer

    Going to war with BOA

    Wow, good for him, I hope he wins.
  3. RacieRacer

    Odd Question Regarding Judgment

    7 yrs. is usually the case for judgements, other public records such as some BK's are the ones that can stay for 10 years (or more). The Fair Credit Reporting Act [15 USC Section 1681c] (a)Information excluded from consumer reports... (2)...civil judgments...that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. The last part, meaning it could stay on longer than 7 years I believe has to do with renewing judgements, which varies by state.
  4. RacieRacer

    Odd Question Regarding Judgment

    One other thing, neither the court who granted the judgement nor the company who won the judgement is the one who put this on your CR in the first place. The CRA's hire companies/individuals to physically go to the courthouses (or online if available) and gather the info about judgements to put on people's CR. So maybe that will help ease worries about the judgement dissapearing. Also, what month in 2004 was the judgement? Maybe it fell off due to the 7 yr mark. It is 2010, 2004 was 6 yrs ago, but that could possibly be it, I've had baddies fall off my CR's before, due to age & not disputing, that weren't quite at the 7 year mark before. Depending on state laws though, the creditor who was awarded the judgement may be able to have it renewed. It all depends on your states SOL's regarding judgements. If they have it renewed then it may pop back up on your CR's one day.
  5. RacieRacer

    Odd Question Regarding Judgment

    Well even if they were going to renew the judgement, it doesn't seem like they would have the one that was on your reports deleted. But who knows. Stranger things have happened. Regarding the address, for example on mine I used to have several variations of the same address on my CR. If there was one small variation, and that address variation was the one associated with the judgement it could still cause a deletion *possibly*. Like maybe one said 123 Elm St and another variation of the same addy was 123 Elm Street, that could do it, again *possibly*.
  6. RacieRacer

    Is anyone combining credit lines these days?

    Thanks, I have been trying to find out info about this about Chase all day. I think I will wait til next month or maybe March to try it w/them. They ratejacked all but 1 of my cards. I'd like to take the one with the highest limit & highest APR & move most of the limit to the one they haven't ratejacked. (& they didn't ratejack my Biz card either, but that's totally separate anyway.)
  7. RacieRacer

    Juniper/Barclays CLD #2

    Sorry to hear it SG. Juniper has the wierdest reasons. I remember once being declined by them a long time ago due to 'rent or mortgage payment too low'. Since then I had Carnival & US Air w/them and I closed them both. I have had a lot of CLD's too, on other cards, for no real reason. & 1 closed by BofA for absolutly NO reason whatsoever. It sucks.
  8. RacieRacer

    What credit monitoring service monitors deletions?

    Equifax ScoreWatch does sometimes. Well in a round about way. It will notify you when your score goes up or down. When you get the notification from them stating your score went up, it may or may not say it was due to the deletion though. Other than that, I don't really know of any. But I have been out of the credit repair scene for a while now. EQ SW is a real FICO score. This is only with EQ though, not with EX or TU.
  9. RacieRacer

    Will my current creditors drop me if I get a CA on my CR??

    Creditors are Ratejacking, CLD'ing, & Closing accounts right now for NO reason whatsoever, just because they can, still. Even if people have never been late on any account, are not maxed out and everything is just peachy on their CR. So if they are doing it to people for absolutely NO reason whatsoever, then I'd say the chance is pretty good that they will do some type of AA if they see a CA or other baddie pop up on the CR. But I have been wrong before.
  10. RacieRacer

    When to apply for a Sears card?.

    Sears was one (I think the only) store card that I could not ever get approved for. I was rejected by them when my scores were all mid to high 700's, back when I was getting 15K+ CL approvals with prime CC issuers. I have no clue, but I was rejected by them more than once. But as usual, YMMV. WalMart would probably be a better shot with those scores. I'd probably wait til I was at least at or near 600 though. Just my $.02
  11. RacieRacer

    AMEX is nuts

    One possible explanation is perhaps that particular Costco has had a lot of fraudulent Credit Card transactions.
  12. RacieRacer

    Odd Question Regarding Judgment

    One thing that *could* have made it fall off is if you had the address associated with the judgement deleted. Not saying that will always happen, but it has for me in the past.
  13. RacieRacer

    Chase ratejacked me, I conversion question

    "IF" they will do a 5 into 1 or 6 into 1...GO FOR IT or Maybe do a 2 into 1 TODAY and another one on FRIDAY That will eliminate 2 of 5 or 6 I think it could possibly back-fire doing so much at one time GOOD LUCK Thanks for the reply George (& nice to see you again ). I'm mainly concerned about the one with the highest CL, which happens to be the one with the highest APR. I am just hoping this doesn't cause them to raise the APR on the Disney (the one that is still at 10%).
  14. RacieRacer

    Chase ratejacked me, I conversion question

    Thanks for the TTT Linx. Just another bump to the top to see if anyone in the evening crowd might have any recent experience with reallocating limits with Chase.
  15. RacieRacer

    AMEX is nuts

    IME, Amex has not been an a$$hole to me the way BofA, Citi, & Chase have. BofA being the WORST & they used to be my fav. So YMMV as usual. Amex is my Fav. I never ever ever call Amex, I think this may be the secret to avoiding problems with them, but I could be wrong.

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