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Everything posted by centex

  1. Looking online, it appears they are associated with Harland, which is one of the biggest check printers out there. Had no desire to dig deeper into corporate profiles. If an issue with Chex or EWR was going to get your account closed, it would already have happened.
  2. As long as there are casinos and strip bars, cash is not going anywhere... Admittedly, without poker, I would not have near the need for cash that I do in the present day...and this reminds me that I need to make sure my bank can handle a large withdrawal in hundred dollar bills- World Series is about to kick off. Hege needs to watch out as I descend upon his stomping grounds LOL!
  3. Maybe that was it...although I still think of Optima as having been one of the first credit products AXP offered. I had one of those back in the late 80's or early 90's. Did not keep it for very long though... Nowadays, I hear Optima most frequently with commercials for one of those 'tax relief' outfits LOL!
  4. Oasis is what I meant to type...not sure why I had Optima on my mind. But the point remains...it is the quickest way back in, especially if you were already going to pay them. May as well get some quid for the pro quo.
  5. Never heard of them, but whether they are affiliated with Chex or EWS has no bearing on whether you would be able to open an account. In order to place an order for checks, you would need to have an account somewhere so that you had an account number and routing number for them to print your new checks with...
  6. This sounds like business debt, so many of the usual rules of the sandbox won't apply. Further, the fact that your bank 'sided' with you does not absolve you of liability if the matter moves to litigation. It is a factor the Court would consider, but the heart of the matter at the end of the day is that this is a dispute between two business entities. I am seeing some manner of pre-trial mediation in your future...
  7. Was she ever sued on this issue in the past? If there was litigation and a judgment rendered, then the sandbox rules will be different.
  8. Given the small balances at issue, you may wish to pursue the Optima avenue...you won't get a discount on the balance but you WILL be back in their good graces. You clearly believe you will derive a benefit from the Platinum card or you would not be seeking to be added. While the program is basically an invite-only, the invite will inevitably come after you have called and made inquiry about getting back into their good graces...
  9. Not all jurisdictions are online, and of those that ARE online, not all have digitized documents going back to the era you describe. You can pretty much rule out federal courts since that is not where most credit issues will be taking place. Your best bet for a stating point will be the jurisdiction where you were living at the time. Send a letter to the Clerk and be prepared to pay a nominal search fee (usually less than ten bucks). The letter should provide as much information as possible to help them narrow the windows of time. Your name at the time of the litigation and the name of the Plaintiff along with the approximate date gets them in the right direction...
  10. Here is the back-story on Dmitry's fandango with the Russian bank... http://www.lifedaily.com/story/clever-customer-turns-the-tables-on-bank-with-legal-loophole/ Also, https://www.themoscowtimes.com/2013/08/14/man-who-outwitted-bank-ends-700k-lawsuit-a26770 Obviously it harkens back to the old days when we actually had to fill in a paper application and mail it in and then wait...and wait...and sometimes wait a little longer. The kids around here might not remember those days LOL!
  11. NEVER underestimate what a now-ex (or even soon-to-be-ex's) will do. I have seen more than one case where one party deliberate dragged proceedings and mediations out precisely to eat up assets that might otherwise have to be split. Two of the attorneys in my building do family law, with one doing mediations on an almost daily basis...it is NOT an uncommon event, no matter how 'nice' the person might have been while the relationship had still been intact...
  12. One of the reasons I always recommend fostering relationships with local institutions is for precisely this sort of situation- you can go in and actually speak to a lending officer and get a feel for what the bank/CU will be able to do for you before you waste time with an application. This holds just as true in a situation like OP describes where the credit is poor as it does for someone with no blemishes on the report. Obviously it will help if there are some measure of resources in place WITH the institution...if all they hold is the dwindling remnants of the most recent paycheck, then one will find less support than the person who has actual savings or checking balances.
  13. Demonstrating again that too many people view having the biggest and latest item as being more important to them than properly preparing for some manner of fiscal event... And of course, no article that references payday loans can ever be complete without the scare tactic related to annualized rates, with this article taking the annualized rate even higher than what exists on the open markets.
  14. There ARE occasions where one can remain ahead of the depreciation curve and never be upside down (and even begin appreciating after about the first five years), even three years after driving it off the lot. However, this is more apt to be something reserved for the specialty makes and models, not the standard fleetmobile.
  15. Down payment will vary. Strong profiles can get away with zero down payment. When I bought the most recent Jaguar, it was a zero-down deal on a never-titled, never-in-service car that stickered north of $90K. Even taxes and other fees were rolled into the note. A little over a year later, the note is pretty much killed...which will leave me in search of the next toy.
  16. You can get copies of the judgments from the Clerk of the jurisdiction where they were rendered. Expect anywhere from a dime to a dollar per page in most places. As to settling, much will depend on who owns the paper now. Keep in mind that interest has been accumulating this entire time, so the amounts owed will have almost doubled...
  17. The judge presiding over the divorce proceeding lacks the legal ability to make unilateral changes to contractual liability. I hope that your attorney has provided notice to the various card issuers so that they have an opportunity to respond. When your soon-to-be-ex defaults on any amount for which you had joint responsibility under the contract, your credit will be screwed and you have no recourse with the exception of seeking to have the Court hold him in contempt. However, that does nothing to repair the damage that will have ensued.
  18. I am aware that the licenses were priced as a separate item, but it is unclear whether the $520 was just the excursion or whether that was his all-in total. ON more than one occasion, I have seen shore excursions that had a price discounted from what appears in an online advertisement. As such, I find this to be poor reporting. I don't even see the lack of waders as being worthy of a discount. Plenty of people fish from the shore. All in all, I still have no sympathy for the guy, especially after he went to the media in an effort to trash the outfit running the excursion...
  19. A lease from that era was likely closed out at the end of the term almost ten years ago...any dispute will have the more likely result of the item just being deleted since it is almost ten years from the point at which the term had likely expired. As such, absent a decisioning factor that cites that item, you are better served to leave it alone. It is helping with age and as long as all other data points for the item are correct, it helps far more than hurts!
  20. Beyond the airline fee reimbursements, there is also the $100 from Saks and the $200 in Uber credits that comes as $15 per month with a bump during November/December. Uber credits are also still able to be used with UberEats... if you cannot extract $550 in value from this card, the cardholders simply aren't trying...
  21. Lots of people pay for experiences that leave them less than fulfilled as it relates to expectations. That does not mean you get your money back. Further, the article leaves it unclear whether the fee paid included the costs related to the required license. Certainly there would be no reasonable expectation to get those costs refunded. No sympathy for him. Wonder how long before he shows up here asking how to get the third-party entity off of his credit report or how to get around a blacklist...
  22. As CT, CV and Marv note, review the new documents CAREFULLY. The terms should be identical as relates to the amount being financed and the number of months for which payments will be made. Ensure there is no balloon payment due at the back-end. If they are trying to raise the APR and spread payments out or stick you with a balloon payment, then be prepared to let them have the vehicle back and demand your trade be returned to you (if there was a trade as part of the original deal). I've never seen this occur, but then again, most of my financed purchases were something where I had my own financing in hand when I arrived at the dealership and was not relying upon the dealership to get a deal done on the financing.
  23. You reference 'basic dispute letters' which suggests that you did not use the Texas method. Generic crap begets generic crap. Be specific and use the tools that Texas law provides...however, be aware that if it is the OC reporting, they will have everything they need and they don't have to have a bond in place as would a third party entity...

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