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TimmyC

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  1. Are there some precedents or should I just contact my Attorney Generals COnsumer Affairs office and discuss this with them.
  2. Is it legal for a credit union to make you purchase thier Warranty Program when you have made arrangements with the selling dealer to get a warranty which you are more comfortable with at a lesser fee from them? Here are the facts. I got a better rate from a CU. Their warranty cost 1710.00 for 36/36 Silver Coverage. Vehicle and Warranty was like at 91% of MSRP. My Bad-- faxed copy of warranty was not best and ,could not read the fine print regarding cancellations sent by company. Asked inept CSM at CU who was closing the loan if I cancelled the loan who the money would go to.. "Oh you paid for it, it will go to you" Well of course there is a clause on the contract that says "Cancel within 30 days get a 100% refuind less 10% or $50.00 whichever is less PAID TO THE LOSS PAYEE" which of course is the CU. So in fact it goes to me but it goes towards the loan. Now I made arrangements with my selling dealership to sell me thier Warranty which I feel more comfortable with because it is backed by FLOW AUTO here in North Carolina and uses NEW PARTS not used parts for repairs like a tranny ( gone through that one already)... My question is this. Is it legal for a company who is loaning you money to compel you to choose thier warranty over another one ? You Thoughts...
  3. EDITED - oops..double post OK here is an update. My CU gave me a 3rd Auto Loan for a 2003 Trailblazer at 9.75% for 66mos. They would not do a refi on my other two auto loans at more than 90%. Farragut however is going to refi my 04 Stratus at 8.99. (This down from an orig APR of over 18% at Citi and before that CENTRIX which I think should have a class action lawsuit due to them not posting payments in a timely manner thus accum daily interest. ) This with a 603 EQ Scrore. Timmy
  4. Well I called Citi where I have my car financed with @ 12.99 and told them and they said they would drop my apr by 2 pts.. Also offered me a blank check.. We will see what happens.. I asked them how they pulled CBRs and asked that between the two requests that they only pull once.. So I will give them a chance.. only 1 tho... The declined the lower APR and approved the Blank Check for 20K to trade in one of my cars which has about $4k in neg equity..
  5. Well I called Citi where I have my car financed with @ 12.99 and told them and they said they would drop my apr by 2 pts.. Also offered me a blank check.. We will see what happens.. I asked them how they pulled CBRs and asked that between the two requests that they only pull once.. So I will give them a chance.. only 1 tho...
  6. I got an offer in the mail to refi at a lower rate with Farragut. Has anyone used them before?
  7. Hello. Nice to meet all of you .. Just pulled my EQ and noticed a Collections for MD that did a procedure for me which my INS should have paid back in 05. I called them due to the fact that I had changed INS companies over a year ago and never saw this $4200 bill. I was told that they had the incorrect address and telephone number and had been dunning it for 2 years.. This has to be a HIPAA violation correct? They called me back today and said it had been passed off to a supervisor and they said something about maybe writing it off and getting it off my credit report.. Should I be satisfied with them if they clear this debt and get it off of my report or should I seek additional damages. How can I tell how long this has been on my credit report? Thanks in advance.. TC
  8. I went ahead with myfico.com and used the cppsavings code and got it for 38.28 per year. On we go...
  9. Hello everyone.. I have been lurking for a while. Have gotten my EQ and TU Reports.. Got a TU Scrore and it is 671.. Want to get all three credit score monitoring.. I was given Equifax Credit Watchâ„¢ Gold with 3-in-1 Monitoring by my company because of security breach. Pulled that 3-1 in Jan.. The addon only gives Equifax score which I havent purchased yet.. I just checked out the TOS on Credit Secure from American Express which is an Experian company.. It gives you Unlimited access to your personal 3 Bureau Credit Report and PLUS Credit ScoresSM from Experian, Equifax, and TransUnion after the review period ( this I did not like). I liked the price of $11.99 per month charged to my Blue Sky Card after 30 days.. is there anything better????? So my question is this.. What is the best and most economical way to get unlimited credit score monitoring for all 3 with unlimited access to reports and pay for a annual or per month basis and support CB at the same time? I have seen the links.. but want to most up to date current info for April.. I have read, read and read some more.. I am ready to start taking action.. TC

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