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mnegron1969

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    PA
  1. I have been pulling USAA & SC forever to get my last inq off TU and yesterday it finally happened. Today I did my regular pulls and its back. I never had this happen before. I'm in PA. WTF?
  2. I just went thru back door on TU I have 66 softs and 2 hards. Stupid Nordstrom pulled my credit for no reason so that was 4/16 and I have NFCU in 3/23/2012. Before Nordstrom pulled I already had 2 hards but one must have dropped because it should show 3 hards not 2. Maybe it started again. Who knows. I'm disputed the Nordstrom pull directly with them because when I called to complain the rep said it was only a soft but a credit alert told me different. A-holes.
  3. I have been pulling Smart Credit for months and I haven't seen any B* anymore. I had 0 but now I have 2 that I'm trying to B*. I was able to B* pretty quickly when I did have inquiries but lately I haven't gotten any B*. Is TU like EQ you have to bump all old before the new? I should have gotten rid of these 2 inq along time ago.
  4. Why spend money on something you can do for yourself and get better results. I learned everything about credit right here in this forum and today have perfect credit and close to $200K in credit more than I ever had.
  5. Visa is 2 yrs old & MC is 1 yr old
  6. Yes!!!!!! I found the increase request online and I got an increase for both Visa & MC. Visa went from $8K to $22K and MC from $10K to $22K AWESOME.
  7. Last month I went on a spree and was denied by Raymour and Flanigan. I found an email address to complain about their customer service rep I talked to, she was very rude when I called to check status. Anyway I got a letter being denied for excessive inquiries when I only had 3. I got a call today and they were apologetic and said since I had a fraud alert they had to ask me security questions and I agreed. He told me he was going to put it thru to upper mgmt and it would probably take over an hour before I hear something. He called me in about 20 minutes stating I was approved for $10K. ALRIGHT!!! Now I can get the dining set I wanted and have 0% until 2015.
  8. Well "Beli", I help my son anyway possible and if means writing a letter to a collection by damn I am going to do it. Maybe you aren't close to your children but I am with mine. I didn't care for your comment.
  9. this is my comment I listed on another post: Posted 21 January 2012 - 11:03 PM My son has been getting calls from them, Just out of the blue calls started coming in before he received anything in the mail. I quickly got my DV letter out certified mail and that same day a letter from them came and its for a DVD acct for $116 that my son never had. Well he keeps getting calls so last night I found an email address for the head honcho there and explained to him the law and that the calls better stop or I will see him in court. Lets see if the calls continue. Well, the calls continue to my son's cell . In my email I asked them to send me proof of the debt and what I got was the same debt letter they sent to my son but in my name with my initial incorrect. Oh my god I am laughing my flowers off right now. They don't know who the hell owns this debt they are just trying to get someone to pay. I emailed this attorney online that was posted in another topic. Let's see what they can do. I have pre-legal services thru work but the attorney doesn't do nothing but right a damn letter. He doesn't get anything out of it so he doesn't lift a finger. I used them before and I ended up taking care of the issue myself. Besides the calls can I get money from these people because they are bouncing this debt from person to person? It seems like its a template and all they do is change the name and go down a name list hoping to sucker someone into paying. I never had a DVD acct and neither did my son. I only had a music club from way back in high school and that was years ago. WTH is wrong with these people?
  10. I'm interested, I need the history, so I'll be your guinea pig
  11. Most likely it will be resold. When does a debt collector ever do what they are suppose to do? I had a payday loan back in 2007 that I thought I had paid off, long story short the rep forgot to mention that there was still a $20 balance that grew into $324 and went to collections and I had no clue about it until I got call at work. I paid it off for a lesser amount in 2008 with the first collection agency. Every year, no lie, I would get another call at work from a different collection agency regarding the same debt after I told the agency that I paid the account & they are to delete the acct and not to re-sell it. I would go thru the same story with each collector. I got calls up until last year when I got an attorney involved. I'm still waiting for this year's call, LOL.
  12. My son has been getting calls from them, Just out of the blue calls started coming in before he received anything in the mail. I quickly got my DV letter out certified mail and that same day a letter from them came and its for a DVD acct for $116 that my son never had. Wel,l he keeps getting calls so last night I found an email address for the head honcho there and explained to him the law and that the calls better stop or I will see him in court. Lets see if the calls continue.

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