Jump to content

proxyman01

Members
  • Content Count

    185
  • Joined

  • Last visited

  1. I called the number on my CR and spoke to a CSR who removed 2 charged off accounts (that were paid). That was about a year ago. Just told her that I was applying for a mortgage.... Good Luck!!
  2. I have had a good experiance as a cardholder of the Amex Oasis program since 2008. My mother has an american express gold card, and quite frankly, I would rather have the nice gold card in my wallet (while still using the oasis card). My question is can you be an authorized user on another person's card if you are in the oasis program?
  3. I would dispite with GMAC since it is no longer their account and they may either delete or not respond at all.
  4. I am on the same situation al, except GMAC was servicing my Etrade mortgaqge. It was sold to Bayview and I was going to send a FCRA 623 letter to Etrade and wait to them to verify (or not respond, thus causing a violation). It sounds like we have the same strategy. With Me, Etrade is reporting incorrect information, including high balance, month of two 30 day lates, etc...I disputed with CRAs and they all came back verified.
  5. Hi, I am having a problem with a mortgage loan that was purchased by another lender just over a year ago. The original lender was Etrade and they are reporting wrong information. Term is wrong, High Balance is wrong and the dates of lates is incorrect. Trying to get the tradeline deleted, but my Jack attack letters are not working. See below, but I confirmed this is exactly how the CRAs are reporting it: Should I send a 623 letter to the OC? E*TRADE Potentially Negative More Account Details Close Account Details 866-344-0552 PO BOX 205 WATERLOO, IA 50704 Experian® Equifax® TransUnion® Account Name E*TRADE E*TRADE E TRADE Account # 35601XXXX 35601XXXX 35601XXXX Account Type Conventional Real Estate Loan, Including Purchase Money First Real Estate Mortgage account Balance $0.00 $0.00 Date Opened 12/1/2006 12/1/2006 12/4/2006 Account Status Closed Open Closed Mo. Payment $0.00 $5,473.00 Past Due $0.00 Payment Status Account transferred to another office Not more than two payments past due 30 days past due High Balance $950,000.00 $950,000.00 Limit Terms 30 Months 30 Months Comments Transferred to another lender or claim purchased ACCOUNT TRANSFERRED OR SOLD REAL ESTATE MORTGAGE Transferred to another lender 24 MONTH PAYMENT HISTORY 2010 2011 2012 Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 ND ND ND ND ND Experian Equifax TransUnion E*TRADE Potentially Negative More Account Details Close Account Details 866-344-0552 PO BOX 205 WATERLOO, IA 50704 Experian® Equifax® TransUnion® Account Name E*TRADE E*TRADE E TRADE Account # XXXX XXXX Account Type Conventional Real Estate Loan, Including Purchase Money First Real Estate Mortgage account Balance $0.00 $0.00 Date Opened 12/1/2006 12/1/2006 12/4/2006 Account Status Closed Open Closed Mo. Payment $0.00 $5,473.00 Past Due $0.00 Payment Status Account transferred to another office Not more than two payments past due 30 days past due High Balance $950,000.00 $950,000.00 Limit Terms 30 Months 30 Months Comments Transferred to another lender or claim purchased ACCOUNT TRANSFERRED OR SOLD REAL ESTATE MORTGAGE Transferred to another lender 24 MONTH PAYMENT HISTORY 2010 2011 2012 Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 30 ND ND ND ND ND Experian Equifax TransUnion
  6. any help is very appreciated....
  7. Hi Everyone - I know this is a basic question, but I have a mortgage that was transferred to a different lender at the end of last year. The original lender is reporting me as being 30 days late 2 times (which I was, but not in the months being reported), in addition to an incorrect high balance and loan terms. I tried Jack Attacking this tradline and had no luck. I also tried a goodwill (via telephone) and also had no luck. I was going to send a MOV letter, but I did the Jack Attack letter a few months ago, and was not sure if too much time has gone by. I hope someone has an idea. I really appreciate you guys! Thanks!!
  8. I waited about a year after I had to charded off cards paid and then called AMEX at the phone number listed on my CR. I had to try a few times, but eventually they removed both charge offs from my reports.
  9. It is my understand that this would not be severe enough for Chase to take any action. As long as you pay on time and this is your only CR issue.
  10. what scores are usually needed for the card. I am a current Cap 1 holder (the step above the secured card, but would love a card with some benefits.
  11. I do not believe that the corporate amex reports unless you have defaulted. Please check with other Board members to confirm, but this was my experience.
  12. If you go to the court and get a copy of the recorded lien, you may dispute any errors you see. Also, search the Boards for WhyChat's removal letter. As with anything YMMV....

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines