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free2love1019

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  1. I pulled my credit report today because I am nearing my mark to send my second DV letters, and after reading I wanted to match my report to my letters and etc. Well I kept looking and looking for this particualr CA that I wrote a letter to and I couldn't find it anywhere. So I look in the Inquiries no trace of them. I look at the end of my report to see if I could match the address to another creditor, and ow and behold they are gone! I am so excited... I can not thank you guys enough... Anywho... I am getting prepaired for the next round... and I have a question that hopefully someone can answer... Another CA updated my report as being a PAID, CLOSED, CURRENT, CHARGE ACCOUNT? They also dont state the origional creditor or amount. Balance says $0 , and it was from 8/2000. I didnt pay them, but I guess that was their way of saying they messed up??? Here's Catch 22 - I dont want a collection agency on my report even if it is positive. BUT I also dont want them to try to open or create something else out the blue. Any suggestions???
  2. Congrats! For the medical.... Have you read Psycho Docs Transcripts? Real good info there if you haven't... I am just a newbie but from what I gathered if the collection has been paid, a real good approach is the nutcase letter series.
  3. Thank you so much! You guys are so helpful!! To think, I found this board trying to learn how to establish my business credit... and now I am more focused on getting myself straight and slowly building the business versus getting the business's credit built and leavign mine alone (I was so misguided and uninformed). I had heard of repairing your credit, but it seemed so tedious and I was affraid of getting told no! But after the weath of info here and the support of the community memebers I am ready for battle... Sun Tsu Style (lol)
  4. Indeed it was! Thank you. I know I have a long road ahead, but this is definitely a real faith/confidence booster.
  5. So, I have been spending alot of time on CB reading and asking questions trying to be proactive about my credit like the rest of the members. Some of you may remember that I posted a question regarding how to deal with the OC... I can't find the post (sorry. I am still tryng to learn how to navigate better) but anywho, I followed the advice called on Monday and got a call back today stating that the trade line, which has been reporting negatively for over 7 years (which I found out was paid off by my mother 8 years ago... i was in college when i got the card) is being deleted in its entirety from all 3 CRAs. Paperwork was submitted today. I saved the voicemail.... Now I am trying to figure out how to save the message in a more permanent fashion. THANKS CB 2 Baddies DOWN (Completely Removed) in less than 30 days... To the rest of the newbies here... Please do not get discourage. I encourage you to read read read and find out how other members have dealt with the same company or similar situation and create a plan using the information you have been armed with according to YOUR situation. Everything doesn't work for everyone, and not all instances are the same. THANK YOU CB FOR ALL YOUR HELP AND PATIENTS WITH A VERY INQUISITIVE NEWBIE!!!!
  6. search for "nutcase" in the sample letters section. Thank you
  7. The trades in my signature are the only ones that I have besides my leasing office (home based business but I use the business account to pay rent). Oh and I recently changed the lights over to the business, I don suscribe t anything... I am a memeber of my local Chamber of Commerce would that be sufficient?
  8. I use got vmail. I pay 14.99 a month. It give you a 800 number. You can also choose a vanity number for a little bit more such as 1-800-Flowers..... A live person doesnt answer, but you can give them a scrpit to record and you have the choice of selecting which voice you would like your script in. It also comes with 6 extentions included that you can foward to any number that you like. Your 800 number will appear so you will know it is someone calling your account. You can also screen the calls so lets say you dont answer, it wont go to your personal mailbox it will go to the mailbox you created in the system for that extension. It has mulitple on hold music themes to choose from.... its been great for us thus far... you can also login and make calls from the number, and recieve faxes. here's thelink for more info because I know it does more than that, but that is what we use it for.... http://www.gotvmail.com There is also a simular service to HG Global Solutions that we have been looking at Regus http://www.regus.com/ Since we dont really need an office per se just a place to meet clients (event planning business)... They have various services that you can choose from. If you would just like someone to answer the phone and fpward it to you you can use them.... or if you need an actual physical address because you dont want to use your home address (for home based businesses) or for whatever reason, they offer mail collection and fowarding or you can just pick it up. We visited one of their facilities and it was really nice. Very state of the art. We are definately considering because it is an cost effective alternative to actually renting a space that we may never really use much because the nature of the business requires us to be in the field most of the time. I think the thing we liked best was that when you clients come to meet you, it appears that the entire floor belongs to your business., and the young ladies that work at this particualr facility are well groomed, friendly, and very professional. If you get the virtual office package, they give you (I believe) 18 hours of free admin hours to use them to take care of things you may need. For 189.00 (in my area) a month, I think its a good deal... But I am still reseraching competitors.
  9. I dont have the letter with me, but it basically asked for all of my information, and they did not provide me with any validation.... I sent my origional DV letter 10/19/2007. So this is what I was thinking I would do: 1. Send the 2nd letter 11/19/07, once it was recieved I will follow up the the CRAs 2. If I still have not recieved a validation after the 15 days, I will then file a complaint with the BBB. is that correct??? I am going to look on my 12 puch chart again... but from the looks of it, I can send them DV letter all day long, they just dont seem to validate. They are also only showing on two of my reports, so how do I stop their plan B? They seem pretty slick, but I want them off! I know it takes time, but I want to get these people tackled since they seem like the are one of the ones that dont like to budge.
  10. Thank you sooooo much! I will cal them on Monday!!
  11. I READ THE POSTS ABOUT NOT HAVING TO PAY DNB FOR A CREDIT BUILDER PROGRAM. BUT EAGER ME (NEWBIE) AND MY BUSINESS PARTNER WENT AHEAD AND SHELLED OUT THE 299 FOR THE CREDIT BUILDER PRODUCT. THE SALES REP MISINFORMED US. SHE TOLD US THAT SHE WAS SELLING US THE PRODUCT THAT WE COULD ADD UP TO 6 VENDORS WITHIN 30 DAYS OF PURCHASE. SO I READ AND READ CBS AND APPLIED FOR WHAT I FIGURED WE COULD GET WITH THE AGE OF THE COMPANY AND OFF OUR RATHER LOW PERSONAL SCORES IN CASE A PG WAS ASKED FOR... GOT THE ACCOUNTS LISTED IN MY SIGNATURE. ORDERED AND PAID FOR THE INVOICES BEFORE WE EVEN RECIEVED THEM SO WE COULD ADD THEM AS REFERENCES BEFORE THE 30 DAYS. NOW.... THEY ARE SAYING WHAT WE ORDERED ONLY CREATES A FILE... THAT WE COULD HAVE GOTTEN FOR FREE, AND THAT WE NEED TO PAY ANOTHER 300 TO BE ABLE TO ADD VENDORS. FOR ME ITS THE PRINCIPLE. I BOUGHT THE PRODUCT BASED OFF WHAT I WAS TOLD WHICH WAS NOT THE TRUTH AND NOW THEYY WANT ME TO PAY FOR SOMETHING ELSE? HUM. WE REALLY ARE TRYING TO GET OUR FILE GOING SO I AM WONDERING WOULD IT BE WORTH PAYING THE MONEY OR WILL THEY COME UP WITH SOMETHING ELSE TO SELL OR TELL US WHEN WE TRY TO ADD OUR VENDORS?
  12. Before I joined CB I did an online dispute for an account placed on my OC that I had back in 1998. The last date of activity was in 1999. I disputed the item, and instead of removing it, the updated it and now it says they will be there until 2010. I KNOW THIS CANT BE LEGAL. It's been 8 years going on 9 since the last DOA. How can they do this. What are my recoarses. I have read that I cant make the OC validate. This is simply wrong and what's worse is in 1999 I settled this freakin thing. I was in college. The majority of my debt is about 7 years old it not, very close. I am really trying to be responsible becaus now I have a business and I would like to be able to have the flexibilty I need to expand. Has anyone ever dealt with this compny before? It was for an Express Card that I had.
  13. I need advice on these people. After I sent them the first dispute letter, they sent me a letter asking me to send them what I asked the for????
  14. what is the nutcase letter? I was unable to find.

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