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Everything posted by butterfly152407

  1. Thanks! I had applied before with metro and had been denied. Just tried with a couple things in my basket and was approved Thanks again
  2. well, I guess that wouldn't make sense, now would it? how about 6/02 and 10/02, respectively.
  3. I'm going by FCRA: -CITE- 15 USC Sec. 1681c 01/08/2008 -EXPCITE- TITLE 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES -HEAD- Sec. 1681c. Requirements relating to information contained in consumer reports -STATUTE- (a) Information excluded from consumer reports Except as authorized under subsection ( of this section, no consumer reporting agency may make any consumer report containing any of the following items of information: (1) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of
  4. I have a satisfied judgment in Ohio that was filed with courts on 6/09. This IS the date I go by for removal right? Not the "motion for judgment filed" date in 10/09? All resources say "filing date" or "date of entry". Really want this off my reports. Any help appreciated.
  5. I know I've posted about this account before, but everytime I pull my reports and see it on there I get tee'd off all over again. I just doesn't seem as if they can report this way. ABC1 Account Number: XXXX Current Status: CHARGE-OFF Account Owner: Individual Account. High Credit: $0 Type of Account Installment Credit Limit: $0 Term Duration: 18 Months Terms Frequency: Monthly (due every month) Date Opened: 2004/04 Balance: $0 Date Reported: 03/2007 Amount Past Due: $0 Date of Last Payment: 02/2007 Actual Payment Amount: $0 Scheduled Payment Amount: $79
  6. Thanks MarvBear. See, you learn something new everyday
  7. Credit Application: Your Age? 32 Your Equifax Credit Score? 569 Your Experian Credit Score? 604 Your TransUnion Credit Score? 614 How many years have you been on file with Equifax? 8 yrs- will change to 6.5 yrs, oldest acct is due for deletion 9/08. How many years have you been on file with Experian? sab How many years have you been on file with TransUnion? sab YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? no Will this open auto loan be a trade-in? no How many late pays within the last 12 months on the currently open loan? na How many late p
  8. umm, last month I tried to have a pd co from Merrick removed from EXP due to age. It was reporting as a charge-off since 05. It is not due to fall off until 11/08, but I wanted to have it removed instead. EXP updated instead with a co date of 7/08??? WTF??? CO after paid in full. Since dola is was still reporting correctly (and I have pmt history docs to back it up), I decided to go the soft approach and make the phone call. The rep from Merrick cms dept explained that since all information AT THAT TIME was reporting correctly that they were not able to delete due to in house legal requ
  9. I had success with CPA removing an Insight cable account in one dv. I contacted insight and was told they had purged the record from the system due to age and would have to deal with the collector. I sent a letter to CPA stating per my conversation with such and such on such and such date, insight had no record of an account in my name. I requested original contract, pmt history, the whole shabang. They removed completely.
  10. I didn't think it did, but just wanted to make sure. this is one I won't dispute. LOL!
  11. so last year I opened an imagine cc ( iknow, pre cb though and had to start somewhere) with a $500 cl & $150 annual fee. In 1/08 I PIF and closed it before the annual was to hit. It is reported as closed on all three CRA, but updates every month as "ok" in pmt history field. Since it's reporting as "closed" with a $0 bal should I include in factoring my utilization?
  12. Wayyyyy of topic, but myfavoritefeet, I love your Experian pic. I need that for EQ!
  13. I think it was more the harrassing phone calls that got to me last time. Then I found you guys and dv'd the hell out of them. I think they're trying to take one last stab to collect as the sol for this is up in 09'
  14. I knew it was coming I just didn't know what for. I even had the letter made cmrr ready, just sitting here waiting on thier 1st attempt. This weekend I decided to pull my reports b/c I wanted to establish some new TL's and seen they pulled in 12/07. So at least I was prepared, but man, I'm mad. I've even already disputed the inquiry. But now I'm really mad, because it's for account they had to delete last year and I can't find my green cards or copies of letters!!!! literally the only difference between the letter in my right and left hands is now they're charging interest. So once agai
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