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  1. Ok, glad you think that, thanks! I opened an account with Wells Fargo, told them I did not want my account sold, and then told Flagstar numerous times to close the account. There are no Wells Fargo retail branch locations in Columbus, Ohio - my mortgage was sold to them and I opened the checking account online at that time to try to make my life easier (that really worked out.) The closest Flagstar Bank to Columbus, Ohio is in Van Wert, 131 miles away.
  2. I'm sure it did, Wells Fargo sold all of their Ohio banking accounts to this bank. The Wells Fargo account was free, I assume because I had a mortgage with them. The Flagstar account had a $10 monthly fee. You can see here (hopefully, I know photo quality isn't great) I had a zero balance with them in April (after a fee waiver), then they charged me in May which sent it to -$10. Then they started charging me $6 a day for being overdrafted. This was while I was attempting for months to have them close the account. https://imgur.com/xV09rU6 https://imgur.com/0cEXIkd https://imgur.com/KFBrgrZ
  3. It was this year, no transactions, except I did use/withdraw what was in the account to zero it out when I thought they would close it. They then charged the monthly fee, which sent it negative and then had NSF fees. I will find the last statement I have and post it.
  4. I have a mortgage with Wells Fargo, so I opened a checking account with them. They then sold that account to Flagstar Bank. I told them I did not want a Flagstar Bank account (there is no Flagstar Bank within 150 miles of my house., but I was transferred over anyway. I called twice and asked them to cancel my account, but they told me they needed my signature (for an account I never wanted or opened to begin with). I sent it in, but they claim they did not receive. My fault for being cheap and not sending registered mail I realize. The account had a zero balance, which they put into negative with monthly fees, then they charged off and sent to collections, which is now on my credit report. I am pretty angry about the sequence of this, but not clear on what I should do next. Is this a situation where I am going to have to go to small claims court? The last conversation I had with Flagstar ended with a supervisor telling me I should pay $150 so it wouldn't go to collections, again for an account I never opened. Thank you for any advice anyone can give on what I should do next.
  5. I've had terrible credit since age 20, finally paid everything off after a good year last year (made almost $600k), bought a house with cash, bought our minivan with cash, bought my Corolla with cash. Dumb in hindsight because I could have probably improved my credit by financing some of it, but I didn't know better at the time. Corolla was stolen out of my driveway last night and I'm not at all liquid right now, have put everything into rebuilding business after selling part of it off last year. In the process of trying for a home equity loan, so possibly I could just replace the car with that if successful, but wanted to see where I stood in case I need to go down this road.
  6. Still incomplete? Didn't realize I missed a credit score.
  7. Your Age? 31 Your Equifax Credit Score? 696 Your Experian Credit Score? Your TransUnion Credit Score? 696 How many years have you been on file with Equifax? 12 How many years have you been on file with Experian? 12 How many years have you been on file with TransUnion? 12 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY None YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 4 Total percentage utilized overall? 20% How many of your revolving accounts are store cards? 0 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 4 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 YOUR PERSONAL INFORMATION How long at your current residence? 8 months Do you Rent or have a Mortgage, or Live w/Relative or Other? Own, no mortgage Your Monthly Rent or Mortgage payment? 0 How long have you held your current job? 9 years Your total provable monthly gross income is? $4,000, will be $8,000 in one month (have been taking smaller salary to grow business, increasing it in October) Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Bank statements, tax returns Is there additional monthly income? What amount monthly? no Describe the source. Is the additional monthly income provable? no Spousal income is not applicable. YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $2,000 (this is pretty variable, if more would make a difference I could probably come up with more, I'm just tossing out a number) Does any credit repository contain any Public Record? If yes, please very briefly describe. Two Ohio tax liens, paid in 2011, two paid judgments 5 and 6 years old, one Georgia tax lien paid Does any credit repository contain any Collection Account(s)? No If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5 (guessing, because of public records) Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) N/A Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10, no lates, etc New or Used vehicle you are considering: Please very briefly describe. Probably something used, sedan, $15k-ish
  8. Nobody has experience with home equity loans and public records?
  9. Bump, this is now what I have negative on my account, any opinions on whether I can apply with any hope of success? - 2 paid Ohio tax liens - 1 paid Georgia tax lien - 2 paid judgments (5 years and 6 years old) Otherwise, no collections or anything else interesting in my report, everything else in first post is still accurate.
  10. Thank you for the advice. Anyone have a link to a good thread or resource on procedural requests? I've used the search function but I don't seem to be coming up with instructions. Is this a good explanation of what to do? http://creditboards.com/forums/index.php?showtopic=21505&st=0&p=149568entry149568
  11. I am thinking about trying a local credit union soon, but I was wanting to wait until my second judgment was reporting as paid. That seems to be the last negative I have any control over at this point.
  12. You recommend this even though I already have two Capital One cards? I have a Rewards and a Platinum, both with small limits ($750).
  13. Just an update, mine was indeed deleted the very next day from Equifax. My advice, based on my experience, would be if you get denied by Equifax after you have sent in documents to just immediately call. There's no point in writing again because they apparently don't recheck or look into the matter any further.
  14. If I were feeling punitive, is this a violation I could take to small claims court with a reasonable expectation of success?

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