Jump to content

mmm

Members
  • Content Count

    1,005
  • Joined

  • Last visited

Everything posted by mmm

  1. Update: Thank you all for the information and input. Filing the compliant with the CFPB worked out very well! As of Tuesday, July 6, the AU was removed!!! Take care and stay safe!
  2. I can't confirm that they actually did what they said in regards to updating EQ mid-cycle (I have to take their word for that part) however, I did receive a copy of the letter from the CU stating that I was only an AU, the exact date that I was removed from the account and that I am not financially responsible for the account. The CU representative's contact information is on the letter, so if EQ gave any effort, it would not have been difficult for them to verify the information and remove it from my credit report. I understand that some people do strange things for strange reason
  3. Thanks Zenithar, will do!
  4. Hi All and thank you for the responses. Yesterday I had the owner of the account get a letter from the CU stating that I was no longer associated with the account. I went ahead and filed a complaint with the CFPB and attached a copy of the letter and long with my online dispute conformation number in hopes that they can light a fire under EQ. Yesterday I also tried calling EQ once more and I think they just say anything they want. I'm extremely frustrated with them! Yesterday they had the nerve to tell me they could not remove it because the account was NOT nega
  5. Hi Zenithar! Thank you ever so much for the information. No matter how nice I am when I speak with them or how hard I push, (today they were extremely ridiculous) I can not seem to make any progress. I've kept names times and dates of each time I've called and also screen shot showing the original dispute and dispute confirmation number. Again, thank you for the info, hopefully the information I've collected will help the CFPB get this removed.
  6. Hi Hit Man, I've tried over the phone as well as online. In the online dispute they only put a notation on the account saying that the account is in reinvestigation. Removing an AU use to be so simple. 😞
  7. Hi All, I am trying to have an AU account removed from my Equifax report. On Equifax it clearly says that I'm an AU. I have gone the normal dispute route but so far Equifax as only put a comment on my CR saying that this dispute is under reinvestigation. (it has already been removed from Experian and TU). With the exception of high utilization, there is nothing negative about this account. The credit union that the primary account holder is a member of has already said they have removed me from the account AND sent the necessary information to Equifax. I've
  8. A friend of mine is about to sign a new agreement with his mortgage company to temporarlly restructure his loan. He asked me to look over the 2 page agreement (which has a very informal appearance), just to give my thoughts. One area in particular stood out to me (please see below) as a little concerning. Can anyone give me some input on what this means. Am I on the right path in thinking that this clause will release the lender from being responsible for any liens that may have been placed on the property such as taxes, mechanics liens or any lawsuits or is this statement for
  9. Congratulations!!!! That's such an amazing story. Enjoy your new home!
  10. I am so tempted! I would love to have this card! I think I might go for it next week. Chase has been so good to me with the non-requested, automatic CLIs that I think they might let me in on this one. Did you get to be a Charter Member? Again, congrats!
  11. The Fairmont card seems like a very sweet card to have! I would love to get that card and be charter member! Good luck!! Have you tried the application status number recently? You might already be approved.
  12. Congratulations! I'm not sure what database they confirm their address information from, but when I got my first card a while back, they put me on a three way call with my bank and verified my address as well. Enjoy your new card!
  13. Congratulations! That's awesome!! Happy shopping.
  14. Obviously I can't say for sure but this might be something specific to the OP. I only say this because the last time TU did a reinsertion, this board was lit up from the very beginning with several people (in a couple of different threads) posting about it. It may still happen but I sincerely don't think there is a need to panic just yet. Hang in there!
  15. Congrats on your new card, that's a nice CL! Hopefully they finish the FR quickly. Good luck! :-)
  16. Congratulations on all of your success! Unless you really need the gold Amex right away, I would suggest waiting until you receive the other one in the mail. After you sign up for Amex online access, use your new card and pay it in full for a few months they will probably offer you a pre-approved gold and/or platinum card. I've read several posts by others that have received multiple offers after they have an established relationship with Amex. Good luck and again, congrats!
  17. As noted above, AMEX can be extremely vindictive. They not only removed all the backdating I received on my personal card as a result of being an AU, they also totally removed ALL the AU information from my credit. At first all my Amex information was just taken off TU but later they also removed it from EX and EQ. It's been a while now since they removed the backdating information and I've only had one AA (a CL decrease) but I have also been very careful NOT to apply for much until my AAOA increases a little more. I'm not sure if it has anything to do with it or not but, as
  18. mmm

    Discover

    Thanks for posting this! I've never been a big fan of auto pay (especially after Amex and their surprise FRs, since until the FR is complete they suspend the account) but this sounds really good. Thanks again!
  19. Hi, I can also confirm that, GEMB (Dillards Amex), Discover (Discover More) and Chase (Chase Disney) all add AUs without asking for the SS#. They also report to all 3 CBs and none of the AUs live with me. I plan to add someone to my USAA Amex tomorrow and will report back if they require an SS#. For some reason they are not allowing me to do it online, I have to call in tomorrow to add someone. BTW, hi Bob! Is AMEX now only asking for SS#s or are they still asking for the SS# and a copy of the SS card? Have they eased up a bit? I sure hope so. I think the SSN card w
  20. Hi, I can also confirm that, GEMB (Dillards Amex), Discover (Discover More) and Chase (Chase Disney) all add AUs without asking for the SS#. They also report to all 3 CBs and non of the AUs live with me. I plan to add someone to my USAA Amex tomorrow and will report back if they require an SS#. For some reason they are not allowing me to do it online, I have to call in tomorrow to add someone. BTW, hi Bob! Is AMEX now only asking for SS#s or are they still asking for the SS# and a copy of the SS card? Have they eased up a bit? I sure hope so. I think the SSN card wa
  21. Hi, I can also confirm that, GEMB (Dillards Amex), Discover (Discover More) and Chase (Chase Disney) all add AUs without asking for the SS#. They also report to all 3 CBs and none of the AUs live with me. I plan to add someone to my USAA Amex tomorrow and will report back if they require an SS#. For some reason they are not allowing me to do it online, I have to call in tomorrow to add someone. BTW, hi Bob! Is AMEX now only asking for SS#s or are they still asking for the SS# and a copy of the SS card? Have they eased up a bit? I sure hope so.
  22. mmm

    tax lien

    Hi, I think you may find some helpful informaton in the thread listed below. Good luck and hang in there! Try this
×
×
  • Create New...

Important Information

Guidelines