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ChrisAZ
Members-
Content Count
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Joined
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Last visited
About ChrisAZ
- Birthday 12/01/1966
Contact Methods
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Website URL
http://culpepper-associates.com
Profile Information
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Location
Arizona
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Interests
Saving money, making money, retiring with money
Recent Profile Visitors
459 profile views
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Sorry to read this Konrad. My belated prayers to their families...
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This^ Going to the udder every 30 days or so is not a pry-bar and certainly not a crowbar. Good information...thanks
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Congrats on that... it never ceases to amaze me the fraud that finance companies will engage in, as if they don't make enough money already. I am reading through your entire thread... congrats on all of your progress, it is very inspiring and congrats on your newest child
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Its official, today is my day to say thank you to CB and celebrate
ChrisAZ replied to joem1cha3l's topic in Credit Forum
Congrats! -
Congrats!!!
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Help! 700+ Credit Scores What CC to app for?
ChrisAZ replied to creditmania01's topic in Credit Forum
Congrats on the scores! -
Congrats! About to do an app spree myself for TU, either this week or around the 15th.
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I would like proof that this account is actually mine. I don't believe that a company can put your name and info on a spreadsheet and say you owe them money. They are not actively trying to collect, however, they have a derog listed across all 3 CRA's. I share your belief.You guys can believe that the sky should rain cookie dough. Read the FDCPA. Nothing about cookie dough in there. I am pretty sure that you don't know what you are talking about CV91915, but okay if you say so we will all bow down to your great wealth of knowledge...lol and I am fairly certain that Ican does know a thing or two about this issue.
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Agreed. Review the link from Ican. Ican has a lot of info. Basically you will probably have to sue Midland or at least send an ITS. The CFPB won;t do much about your issue. You are correct in that what they provided would not stand up in court. There are a whole set of rules about computer-generated printouts and spreadsheets, etc. Ican has the info under the "Help I've been served" forum. You can learn tons on Midland. Best of luck.
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Probably only a ITS letter...lol, unfortunately since they don't play by the rules.
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BTW, those graphs are really informative/illustrative.
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I like those terms you used. Utilization is the one variable we can all control. Agreed. I don't worry about utilization generally. It is mostly irrelevant until I am making a big ticket item purchase/finance (like the new electric Mercedes or BMW I am considering purchasing in June for my wife) or doing an app spree (which I am not doing until at least December, as I am gardening right now). I know I can pay down something and then generate a quick point swing, when I need it. I also like the terms. Very appropriate.
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You're right. But it's still ugly to see such a rate. I have no idea what any of the APRs are on my cards. Me either. Or a returned payment fee. At the end of the day Comenity is sub-prime. Here is a good article from creditcard.com on Comenity and its profitability: http://www.creditcards.com/credit-card-news/bank-yields-loans-1276.php Thanks for the article. It was very informative.
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Yes, this board is an excellent resource. And congrats again OP.
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Congrats!