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pammii65

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    texas
  1. pammii65

    Hooters AU

    Thank you! I have looked on line at my bill and didn't see anything there so I guess I will give them a call! thanks!
  2. pammii65

    Hooters AU

    I have been searching all over the board but can not find this, so If it has been asked already, sorry, I did try! I have the hooters mastercard, and I was wondering If I could put hubby on as a AU without checking his credit? I am in the process of working on his now that I have done all I can do to mine for now. thanks pam
  3. Not sure how I feel about that either, for some reason GEMB does not like me I have applied for several of there cards and cannot get one. How would that effect me I wonder? I keep a 0 balance PIF every month on this.
  4. I thought there are alot of violations there but Im so new at this I dont want to jump the gun. I looked all over for some kind of sample letter that would fit this to send back to them I am not even sure where to begin on writing something up for this. Help please thank you so much for the help
  5. ok I am reposting this because after I reread the previous post, it all runs together ( I need to figure out how to use the quote button. anyway below is i answer to pryan67 post Your right I think the original OC was First Premier. No I never received anything in writing, the first I knew about this was when I pulled my report on TC, my scores when down after I had been doing so good and they where the reason. They sent me 3 pages of stuff first page is basically telling me they received my request and goes to "Validate" with this Original creditor's name: Arrow financial Servies LLC/ First Premier Original creditors address: 601 Minnesota Sioux, Fall SD Account holders name: My name here Date of Loan: 6/13/2001 Account holders last 4 SS: XXXX PRA purchased this account 5/24/2007 current outstanding balance: *$451.02 then it goes on to say contact us at XXX-XXXX_XXXX to discuss payment arrangements and lets me no the various payment options, hours of operation etc. It also has Interest continutes to accrue on this account and will continue till satisfied. and that this is from a debt collecter and is an attempt to collect a debt Next page has Privacy notice at top but is basically about collecting certain personal information and disclosing it to others. last page is the one that has AFFidavit of ownership and sale of claim that appears to just be saying that they own my account There does not seem to anything about my rights to dispute And Yes after I received my green card int the mail that I disputed with all 3 CRA they have it down on my Experian report that I made a payment in Aug ( I did not) But Im pretty sure on the other reports it has I made a payment in May ( I did not) which would have been when they purchased. one more thing can First premier and portfolio both report at the same time?if portfolio purchased this account? So any pointers on my next move
  6. Arrow was NEVER an OC... did you ever receive anything at all from them in writing prior to you sending DV? Did what they sent back contain your rights to dispute, etc? They responded to your DV? what exactly did they send? what did the notarized letter say, and who did they buy it from, and what's THEIR proof of what was owed? did you dispute with the CRAs after the CA got your DV? Your right I think the original OC was First Premier. No I never received anything in writing, the first I knew about this was when I pulled my report on TC, my scores when down after I had been doing so good and they where the reason. They sent me 3 pages of stuff first page is basically telling me they received my request and goes to "Validate" with this Original creditor's name: Arrow financial Servies LLC/ First Premier Original creditors address: 601 Minnesota Sioux, Fall SD Account holders name: My name here Date of Loan: 6/13/2001 Account holders last 4 SS: XXXX PRA purchased this account 5/24/2007 current outstanding balance: *$451.02 then it goes on to say contact us at XXX-XXXX_XXXX to discuss payment arrangements and lets me no the various payment options, hours of operation etc. It also has Interest continutes to accrue on this account and will continue till satisfied. and that this is from a debt collecter and is an attempt to collect a debt Next page has Privacy notice at top but is basically about collecting certain personal information and disclosing it to others. last page is the one that has AFFidavit of ownership and sale of claim that appears to just be saying that they own my account There does not seem to anything about my rights to dispute And Yes after I received my green card int the mail that I disputed with all 3 CRA they have it down on my Experian report that I made a payment in Aug ( I did not) But Im pretty sure on the other reports it has I made a payment in May ( I did not) which would have been when they purchased. one more thing can First premier and portfolio both report at the same time?if portfolio purchased this account? So any pointers on my next move
  7. Hi. I have been a lurker for a while now and have learned quite abit on her from all of you..thank you all very much. Here is what I need help on. I was down to 2 neg on my all my CR that I had decided to leave alone since they were with the OC and should fall off within the next yr. Well I check on TC daily and up popped a new neg on all 3 and it is Portfolio Recovery, they evidently bought debt from Arrow which is one of the OC neg that I had. I DV them and got it back today it basically has all that I read from all 3 CB. tha wont work Right? And when I looked at my Experian dispute thru them online, it is showing that I made a recent payment in Aug, which I obviously have not had any contact, payment etc with them other than to Dv them. If I remember I think it had that I made a payment in may on one of the other CB. They also said in their letter that they purchased account in May/2007. Also sent A notarize letter with this and at the top of that it has Affidavit Of Ownership and sale of claim. What do I need to do now? Thank you all for you help
  8. Hi everyone I am still new at this, but I do have a question. I have the seamiles card, 0 balance have not used it yet as I have not had it too long and I am getting ready to go to Vegas. I did not see the vegas card or the Ceasars card till after I had applied for the seamiles one and not sure why I applied for that one I think I came across it on a roll one night. BUt if Iam understanding right I could maybe change the seamiles to the vegas or ceasars card? will I need to apply for them first or call. I did apply for the itunes card and received the sufficient credit line. please let me no what I would need to do to change to one of these cards not sure yet which one Im leaning towards. thanks

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