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About gmetz

  • Birthday 01/11/1977

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  • Location
    Rochester, NY
  1. I actually called today and they removed it manually. Needless to say, I'm a little anxious to have it off. I will still keep up my end of the deal on this though. Everybody above I will put your names in a hat and whoever I pull out I will make donations to that persons charity (and the money to CB also). Off to run some errands, I'll try and do that all later today.
  2. I will try tomorrow, thank you. BTW, what number did you use?
  3. Oh really........... That could make my other thread kind of a moot point. Wait, is this an April Fools joke, I can't fathom EX being that nice to someone. They are the DEVIL
  4. I'm glad I've got people interested. I've seen this done on other message boards, and thought it would be cool here. OK, I can't edit my original post, so here goes an updated list..... 4/2 4/3 4/4 4/5 4/6 4/7 4/8 - GonnaGetEm - CreditBoards.com 4/9 4/10 4/11 4/12 4/13 - Kyriana - Susan G. Komen Fund 4/14 - Gudziel - Epilepsy Foundation 4/15 - crazymonkeycat - Humane Society 4/16 4/17 - joeydtx - RAMS 4/18 4/19 4/20 4/21 4/22 - beedix - Susan G. Komen Fund 4/23 - tasmn - Electronic Frontier Foundation 4/24 - HoldenMcGroin - American Humane Society 4/25 - VK - American Red Cross Haiti Relief 4/26 - gmetz - RAMS 4/27 - mpc 578 - American Cancer Society 4/28 - taxwizard - American Heart Association 4/29 - Cinn - Leukemia and Lymphoma Society 4/30
  5. Board admins, etc, please let me know if this is OK with you My last baddie on any report is due to fall off EX due to age in April of 2010. Once this is gone, I'll have clean reports, all 3 scores in the 700's and be able to get the car I've been waiting for so long (Damn Honda for pulling EX in my area). So, in the name of good spirits and good will, I've decided to run a pool on CB based on the date this will fall off. Basically, pick a date, any date between now and the end of the month until all dates are chosen. If this item is removed on that date, I'll personally donate $20 to your favorite charity, and $20 to CB to assist with the daily running of the site (that $20 has probably been paid to me 500 fold over the years). Easy as that. I've already pulled today, and it was still there, so today is out. My date is April 26th (fathers b-day) and my charity is a local MS society (my mother suffered horribly from this disease in the 90's). M-F I pull around 8AM EST and will update here around that time. Weekends are more sporadic, but I do pull daily (using CCT, if anyone should be up to date on EX, I would think it would be them). 4/2 4/3 4/4 4/5 4/6 4/7 4/8 4/9 4/10 4/11 4/12 4/13 4/14 4/15 4/16 4/17 4/18 4/19 4/20 4/21 4/22 4/23 4/24 4/25 4/26 - gmetz 4/27 4/28 4/29 4/30 This is NOT an april fools joke. Just a way to have some fun, and for me to celebrate my financial well being with the members of CB. Thanks again for EVERYTHING in the past.
  6. Fill out a free application with Marv for review. The link for the format is above in the stickies. Good luck.
  7. Actually Bobby, your nicely worded letters prompted me to include the following in a non-PP letter to an auto dealer this week. I did visit your dealership and test drive a car. At no time did I express an interest in buying a car, or apply for credit. I told the sales consultant, ***** *****, that I was there on that day solely to test drive the car. I was not buying. He did ask my for my Social Security # and I asked him if it was to pull my credit and he assured me it wasn’t. So, not only have you committed a violation of the FCRA, but you also have dishonest or improperly trained associates working for you. So, thanks for your inspiration.
  8. Sorry Bobby, couldn't remember who wrote it. No plagiarism intended. I tried to update my original post to name you as the source, but I couldn't.
  9. FOAD them, this is the letter I used back in early Jan for them. I can't remember who wrote it at this time: Dearest Portfolio, I am so glad you contacted me to resolve this 10+ year old debt that may or may not be mine. As a matter of fact, I did see this debt in my rear view mirror, and it was scary. I then put my car in reverse and ran the POS over, more than once, to make sure it was dead. 5 years ago I drove by the scene of that disgusting slaughter, just to make sure the alleged debt had rotted away. Your company should be prosecuted for "abuse of a corpse" if you are actually attempting to collect a debt that originated while C&C Music Factory was churning out hits. Your organization must Cease and Desist all attempts to collect the above debt. Failure to comply with this request will result in me immediately filing a complaint with the Federal Trade Commission and the New York State Attorney General’s office. I will pursue all criminal and civil claims against your company This alleged debt is time barred. Don’t try anything. Have a great 2010! Sincerely, Good luck
  10. I wish!!! If that was the case I'd be driving my new car already. But congrats on your good fortune.
  11. Its with GMAC, and I've tried numerous disputes to have it removed. At this point, I'm willing to play the waiting game on it and let it fall off. Just trying to figure out when that will be.
  12. Anyone have experience with EX removing something early? I have one last bad item on my EX that is preventing my from leasing a new car (read all about it here). Per a back door EX report the item is due to fall off in April 2010. Does that usually mean April 30th, April 1st? Anyone have stuff come off early? I'm obviously pretty excited to get a new car and really close out my credit repair journey with the removal of the absolute last bad thing on any report. Thanks for any info.
  13. I did not know there was an MSN money board. I guess their info is generally considered garbage around here.
  14. I just talked to the F&I manager at the dealership. She was understanding of the situation. She did give me some good insight into AHFC. Tier 1/Super Preferred is Auto Enhanced FICO 710+. Tier 2/Preferred is 660-709. Tier 3 is 659 or lower and will not qualify for a lease. AHFC will give you a 1 tier bump if you are a returning customer. AHFC pulls only EX in NY. They used to pull TU up until a few years ago. She pulled the other reports because I had a Zero score for EX. She said when I'm ready to buy, she will not pull the other reports again as all she'll need is the EX. My auto-enhanced FICOs were 748 EQ and 756 TU, so I should be good as gold once EX gets its delete on. I think its time to unfreeze the EX as well.

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