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Minolwen

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  1. I was actually just reading that and should have read it before I bothered the readers here. What I haven't found so far though, is how it reports. With no preset limited, what does it report as your credit limit? How does this affect credit:debt ratio?
  2. About a year and a half ago I was sitting on a FICO score of 525. Thanks to the knowledge I gained from the people on this forum and some of my own research, I learned this morning that my current FICO is 702 and rising... For that, THANK YOU! With that said, I received an AMEX pre-approved offer today. I usually discard pre-approved offers but stay listed so I can see my credit progress by the weight of the offers. However, I have wanted an AMEX card since the day I started and have always seen it as a milestone. I received this letter that says I'm pre-approved for an AMEX Green card and I am happy; until I read it... This card has no APR that I can see. It appears that this card isn't necessarily a 'credit' card but a replacement debit card in a way because you are expected to pay your balance in full each month. Never having received an AMEX offer or card before, I wasn't sure if this is the way they all work or not. The reward program sounds decent and the insurance the card offers in various areas sounds nice as well. However, if by using this card I am obligating myself to pay the balance in full each month (which I usually do anyway, when I can), should I just wait it out for a better offer? I realize that I said I usually pay my balance in full which is the very thing I'm concerned about here. However, I do this to save on interest knowing that I can rely on "credit" to extend me a little more time if I have to wait for another pay check. Being obligated to pay in full just means that I have to monitor what I allow to be put on this card. If other AMEX cards do not have this restriction, I may be better off waiting it out until I get an offer for those... Thanks in advance, Robbie
  3. Congratulations! I've had my Hooters card for quite some time now and have had zero problems with them. Very useful card while building credit.
  4. I would simply send it again, one last time. At least that way if you had to go after them over it later you might be able to use willful non-compliance.
  5. If I'm not mistaken my old "Credit One" credit card always came in an envelope from "Card Services". It's been a while, but I'm fairly certain.
  6. Normally the rule is not to call anyone, it kills your paper trail and with CA's it can bury you. With a CRA however, if you would rather not send the CMRRR (recommended), it cannot hurt. Just remember that less is more and give them only the information necessary to correct your person information.
  7. I would try to call them at 1-800-456-4729 and request their current fax number. The likelihood of someone just having it on hand is slim. On the otherhand, if NCI is a CA, I wouldn't try to call or fax them at all. The only method of correspondence with any CA should be CMRRR IMO.
  8. Seems like a mistake, they happen. I would call the company and have them immediately remove this charge if necessary stating that they were not authorized to use the card they had. Go from there... If they refuse to remove it (which I doubt) immediately file a police report for fraud and use that to not only have it removed, but for possible future uses as well. Whether it is legal or not in my opinion matters very little at this point. Just get it taken care of as soon as possible. It is not until they refuse to remove it that the legality of the matter is of importance.
  9. I have never opt'd to take advantage of those offers. Maybe I'm just a little bit cynical when it comes to trusting credit card companies to help you out in the end.
  10. Congratulations! However, I agree with CBGFCUSAM, stop disputing online. It kills your paper trail, especially if this same TL comes back later.
  11. It's not really a big deal unless there are strange accounts on your report, at which time it still may not be that big of a deal. Just start the dispute process.
  12. Equifax Information Services LLC P. O. Box 105518 Atlanta, GA 30348 NCAC (Experian) P.O. Box 9556 Allen, TX 75013 TransUnion Consumer Relations P.O. Box 2000 Chester, PA 19022-2000
  13. If you have ever lived with your brother or borrowed his address for anything. If you have ever had your brother help on a loan. If you have ever received mail at your brothers house for any reason, this could be justified. I know these are obvious reasons but the truth is that it doesn't take much to get a random address on your credit report. The good news is, it doesn't matter all that much. Normally when you start disputing with the CRA's you will want to dispute every address but your current address (usually by providing a photo copy of your current drivers license) anyway. Leaving any address that is not current typically just gives CA's something to hang on to in the validation process. Good Luck, Minolwen
  14. First thing that comes to mind is the fact that they have your name and address. If they have your name that probably means you used it somewhere, whether it be on the return mailing address or wherever. I would simply investigate again using strictly his information. They are fairly strict on what information they give to anyone but the person being investigated. If you are positive all of the information was his, it may help to include a photo copy of his drivers license.
  15. You can be approved for two Orchard cards, it is probably not a mistake. Orchard is decent when there are no other options as any credit card will help you build your credit if you can safely afford to keep it in good standing. Typically I think most people that end of going the Orchard route keep them for two years and delete them.

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