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700andSoaring

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    Sun Diego, CA
  1. "AMERITECH Utilities and Fuel" Inquiry showed up Friday. Anybody have any idea who that is? I know SBC glommed up the baby bell Ameritech, but they only operate in the midwest and I am way out on the left coast. I'm going to call the CRA this morning to get an address, but I'm wondering if anyone here knows who this is. Oh well, my b-day is this week so maybe it's just the FCRA fairy handing me an extra thousand bucks. Credit monitoring -- Ain't it cool?...
  2. Not necessarily. Forgive me PMondo but your outlook is a little bleak and not helping Albernier at all. Albernier - send the letter to First Premier. Tell them that MRS promised you'd get the account deleted, and see what they say. You can send your letters via fax, as you will get mailed responses from First Premier anyway. If they tell you to pound sand, send a letter addressed to First Premier and MRS stating that you are going to sue them, report them to the FTC and the attorneys general in your state and in South Dakota, complain to your congressman about FCRA violations, file a c
  3. No. You'll need a signed letter from First Premier to get the CRA's to delete it quicker. And just be warned, if you don't do anything and just wait, First Premier will NEVER delete it because I can guarantee you whatever notification the CA sends to First Premier - if they even send one - will get lost and never acted on. They will play dumb and leave the account on your reports as long as they can get away with it. Also, this is all assuming that the CA even had the AUTHORITY from First Premier to agree to delete it. You should get your letter over to First Premier as soon as possible.
  4. (before the recording starts...) ME: Is this call being recorded? EX: Yes we routinely monitor calls for quality assurance. ME: Then you won't mind if I turn my recorder on? EX: No. What... (recording starts...) EX: ...is the first item you'd like to discuss? ME: This is Experian, right? EX: Yes of course. How can I help you? ME: I'd like inquire as to why I cannot get an FCRA compliant response to the several procedural inquiries I've made pursuant to FCRA 605 6 B three. EX: Which account are you inquiring about? ME: Pick one. Any one of the accounts I'm currently disputing. EX:
  5. That was the hard part, since I had settled them... Basically, it came down to running up the ladder, from CSR, to supervisor, to manager, to VP's, CEO's... Once you get your message across to enough people, and they realize that they've already got your money, and you're going to call/email/fax/mail them OVER AND OVER AGAIN, they'll delete just to get you out of their hair. Several of the OC's I dealt with were INCREDIBLY nice and a pleasure to work with, several were not, and really made me go through some hoops. NONE of the CA's were nice or easy to work with, but it would appear t
  6. Oh, believe me...the CRA's are on my radar. I've already got ITS letters out to all three stooges for the "N/A" and "$0" and "Not Reported" Geronimo they use in key fields of accounts like - oh let's see - AMOUNT OF CLAIM fields in public records. I'm lining up my waves of attack and FCRA §604 and §607 violations are in the tube. I'm just trying to figure out how I can get this judgment on the requestor in question. I need to be able to convince the court that once I claim no permissible purpose, the defendant has to show that it was. Thx.
  7. Soooo who wants to help??? Much appreciated, Jessica <{POST_SNAPBACK}> Christine Baker beat them - twice I think. And there's also info on her CreditCourt forum about another user (Whysper) who settled with them too. I'd check those out to see if there's any help for you. Good luck.
  8. I had a PP hearing last week, and I've won two previous so I was feeling pretty confident. Even when the commissioner took the case under submission rather than ruling at the hearing, I was feeling pretty good. I proved that the defendant pulled the report on the date claimed, and the defendant even stipulated to that. I showed that the account was closed and paid 60+ days before the pull, and the commissioner agreed. I got the decision in the mail today: "Plaintiff bears the burden of establishing the case by a preponderance of the evidence. In this case, Plaintiff contentds that
  9. Send your initial disputes via fax, and put "VIA FACSIMILE TO xxx-xxx-xxx AND BY CERTFIED MAIL # xxxx xxxx xxxx xxxx" just under their address in your letter. Hold on to the hardcopy for 5 business days and if there is no change to the account, send it cmrrr. Faxes are handled much differently than mail at the CRA's. Mail comes in and sits for days in the mail room until it's opened and logged to your file, then on the next run the request is sent to the reporter to verify the reporting and act on the dispute. However when a fax comes in, it's not in a pile of sealed envelopes that they
  10. EQ: 866-379-6571 EX: 972-390-3400 TU: 610-546-4606 Let 'em have it!
  11. Ok, so then has anyone taken them to court and won on § 611?
  12. All I get are form letters ("You don't NEED a credit repair company...") generated the day the bureaus recieve my request, and then the now infamous "PREVIOUSLY INVESTIGATED" reports two weeks later. Has anyone ever gotten a response with the actual details as described in § 611? And it's not for my lack of clarity, either.... To Whom It May Concern: 2ND REQUEST – 15 DAY NOTICE OF INTENT TO SUE THIS IS NOT A REQUEST FOR “REINVESTIGATION” OF THE ACCOUNT IN QUESTION. DO NOT SIMPLY “REINVESTIGATE” THE ACCOUNT IN QUESTION AND REPORT THOSE RESULTS. THIS IS A R
  13. I'm going down the same road with them. Two days after I mailed and faxed the PR, I started getting generic form letters from them, almost daily. Nothing specific, just the typical cover-their-flowers B.S. Problem is, FCRA is very clear on the required content of their response. The 15 days are up on Friday, and I'm wondering if anyone here has ever been successful in a civil action against them for failing to provide a valid response to a procedural request. Thanks.
  14. I gain older average age of my accounts. Also, I presently have 11 open credit card accounts, and the 7 small limit cards only account for 10% of my available credit. I'm thinking 4 open cards looks a LOT better than 11. And the cards I plan to close are 1st Premier, Orchard etc. -- all high rates and low limits with nowhere to go. Thanks. the accounts you have that are old are closed due to the BK correct? closing open accounts will not help you. No - my oldest, best accounts are 2 high limit cards (25K) over 15 years old, and the third is 4 years old with a 5K limit. The
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