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MMWTHREAD

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  1. These are the statements that concern me in this letter. "The statement “120 days past due” is generally how a charged off account is defined by the credit bureaus" ---I have never heard of this....Is this legal? "The term “open” does not literally mean that the account is open." ---This is confusing as well if it is not open then it is closed right?
  2. I filed a complaint with the BBB against LVNV for listing an account as "open" and "120 days past due". They did not respond to my validation request. I forwarded copies of green cards to the BBB. I also requested that all communications be in writing. I did request no telephone contact. This is their response to the BBB. I am not sure how to reply to this letter. Thanks for any help. ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Better Business Bureau of Upstate South Carolina 408 North Church Street, Suite C Greenville, SC 29601-2164 Phone: (864)242-5052 | Fax: (864)271-9802 info@upstatesc.bbb.org Consumer Anywhere, USA 01/2012 DearConsumer : Thismessage is in regard to your complaint submitted on 12/2011 against ResurgentCapital Services LP. Your complaint was assigned ID. Thebusiness has sent the BBB a message regarding this complaint, and we arepassing it on to you. The contents of this message are below or attached.Please respond to this message at your first convenience. Regards, BBB Representative Dispute Resolution Director MESSAGEFROM BUSINESS: January 2012 BBBRepresentative 408N. Church St. Suite C Greenville,SC 29601-2164 RE: Consumer: PreviousCreditor: CurrentOwner: LVNV Funding LLC AccountNumber: ReferenceNumber: CurrentBalance: Dear BBB Representative: This letter is in response to your correspondence regardingthe above referenced account. LVNV Funding LLC (“LVNV”) currently owns accountnumber. Resurgent Capital Services L.P. (“Resurgent”) is the master servicer ofaccounts owned by LVNV. The account was previously sold by A Creditor and atthat time the balance on this account was $1,000. As of the date of thiscommunication, the account balance is $2,500. Because interest, payments,credits, fees, and/or other permissible charges can continue to cause theaccount balance to vary from day to day, you should contact us at 888-665-0374to determine the exact balance. Please review the following accountinformation: 1. ACreditor advised that this account originated and was opened with Merchant A. 2. Thisaccount charged off with a balance of $750. 3. Nopayments have been received on this account since LVNV’s acquisition in 2007. It appears there is some confusion regarding the creditbureau reporting of this account. The term “open” does not literally mean thatthe account is open. This is a common area of confusion for our customers. Inaccordance with the Metro 2 credit reporting guidelines, created by theConsumer Data Industry Association, factoring companies are required to reportaccounts with a designation of “open” in the portfolio type field. This meansthat the entire balance is due at one time. This is the nature of a charged offaccount. The entire balance is past due; therefore, the entire balance is dueat any given time. In most cases, creditors charge off accounts once they are120 days or more past due/delinquent. The statement “120 days past due” isgenerally how a charged off account is defined by the credit bureaus. Due tothe account being charged off, the bureaus still report it as 120 days pastdue. This comment is added by the bureaus to further define the account;therefore, this statement cannot be altered. Please be advised Resurgent did not provide validation ofdebt in response to Consumer’s request due to the fact that his letter requestedthat we cease telephone contact with him. Accordingly, this account is in acease status, which results in no contact, written or otherwise, fromResurgent. In accordance with the Fair Credit Reporting Act (“FCRA”),if an agency that is reporting an account to the consumer reporting agenciesreceives information that changes the existing status of that account, theagency must report such changes to the consumer reporting agencies. The FCRArequires that accurate and complete information be provided to consumerreporting agencies. Failure to report updated information, including paid willcause an inaccurate reflection of the status of existing reported accounts,which violates the FCRA. Based on the previous information, the tradeline willnot be deleted; however, it is being reported as disputed to the three majorconsumer reporting agencies. Enclosed is a bill statement on file for this account. If,after review of the above referenced information and enclosed bill statement theconsumer believes this account is fraudulent, a complete police/incident reportregarding the fraud, or a notarized fraud or identity theft affidavit (blankforms are available at the FTC’s website: www.ftc.gov/idtheft) will help usresolve this complaint. If this account was paid or settled in full, thesettlement offer, cancelled check(s), and/or confirmation of payment in fullwould help us resolve this complaint. In addition, if Consumer has anycorrespondence to/from Creditor A concerning his dispute, it may help with ourinvestigation, so please have him forward it to: Compliance Department or Fax:866-467-0918 P.O. Box 10497 Greenville, SC 29603 If we do not receive additional information from you within45 days of the date this letter is received, then we will assume this disputeis resolved. If you have any further questions, comments or concerns, pleasecontact Customer Service at 888-665-0374. Sincerely, P. Holladay Compliance Department Resurgent Capital Services L.P. Enclosure
  3. Thanks for the replies. Just wandering if I should call them.
  4. The funny thing is that I have have at least 10 Visa/Mastercards, 4 that report a balance. A car loan and a mortgage are also reporting. Utilization is 12% .My average age of credit is 8 years according to experian. I am not sure where they got this information. My oldest card reporting is 18 years old. This is why it seems so strange to me.
  5. GE Capital Retail Bank has received your request for a credit program with GAP VISA. Regretfully, your request cannot be approved at this time. The boxes checked indicate the following: The request was judgmentally reviewed and denied for the following reason(s): Our decision was based in part on a credit scoring system that was used to evaluate your application. The reason's where you did not score well compared with the other applicants have been determined and are listed below: NO RECENT REVOLVING BALANCES LACK OF RECENT CONSUMER FINANCE COMPANY ACCOUNT INFORMATION AMOUNT OWED ON REVOLVING ACCOUNTS NUMBER OF CONSUMER FINANCE COMPANY ACCOUNTS If more than one agency is disclosed below and if box above is completed,the reason(s) shown in that box are based on the report provided by the first listed agency. Some information used to make this decision was obtained from the consumer reporting agency (agencies) listed below. This consumer reporting agency (agencies) did not make this credit decision and is unable to provide you with the specific reason(s) for our action. If you want a copy of your credit report, or if you think that there is an error in your credit report, please contact the consumer reporting agency. T.U. CONSUMER RELATIONS 2 BALDWIN PLACE, PO BOX 1000 CHESTER, PA 19022 800-888-4213 Information from an outside source other than a consumer credit reporting agency was relied on in whole or in part in reaching our decision. Information about your External Credit Score used in this evaluation for credit In addition, we also obtained an external credit score from the consumer reporting agency indicated above and used it in making our credit decision. If more than one agency is listed, the credit score was obtained from the first listed agency. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. The credit score below was developed using standard industry methods and was used to evaluate your application. The credit score may differ from the score you obtain from a consumer reporting agency. Your Credit Score: 015 Date: 12/22/2011 Scores range from a low of 000 to a high of 999. Key factors that adversely affected your credit score: NO RECENT REVOLVING BALANCES LACK OF RECENT CONSUMER FINANCE COMPANY ACCOUNT INFORMATION AMOUNT OWED ON REVOLVING ACCOUNTS NUMBER OF CONSUMER FINANCE COMPANY ACCOUNTS SINCERELY, CREDIT MANAGER GE Capital Retail Bank
  6. November 17, 2011- Pensacola, Fla.--- Pen Air Federal Credit Union and MasterCard are giving members a chance to win a trip to meet golfing legend, Arnold Palmer. Pen Air FCU members who use their MasterCard credit card or debit card between Dec. 1 and Jan. 31 will be automatically entered for a chance to win. One grand prize winner will receive a 5-day trip to the annual Arnold Palmer Invitational in Orlando, Fla., with opportunities to walk inside the ropes and follow a professional golfer, access to the hospitality area, play 18 holes at an acclaimed course in Orlando, enjoy an indulgent spa visit, and attend a meet and greet with Arnold Palmer.
  7. I would suggest joining a local credit union. They are much easier to work with. The fees are considerably less. Avoid places that charge unreasonable fees Here is a link to search for one: http://www.creditunionsonline.com/ or you can google search credit unions with your zip. Best of luck.
  8. Any idea on their approval standards? Is it worth a pul for those without a 700 score?
  9. Perhaps the topic was too hot to handle on CB?
  10. As the OP for the PSECU thread, I would also like to know why it no longer exist. I didn't think it revealed a patented process for joining, I could be wrong. If needed, I can repost some of my info if you have any questions.
  11. http://webcache.googleusercontent.com/search?q=cache:YtjdEPF6C2MJ:creditboards.com/forums/index.php%3Fshowtopic%3D452491+joining+psecu+is+as+easy+as+1-2-3&cd=3&hl=en&ct=clnk&gl=us
  12. I couldn't find much information on credit boards about this place. Bank rate.com had them listed as one of the best credit union credit cards. Does anyone have any experience with them? Affinity Federal Credit Union http://www.affinityfcu.org/site/about_join.html?h=QL&sh=QL4 Credit cards they offer: http://www.affinityfcu.org/site/personal_creditcards.html For those wanting to join. Here is how. Friends of Whittemore is a non-profit organization that supports the environmental education and habitat improvement programs of the Whittemore Wildlife Sanctuary in Oldwick, NJ. To join, select "Friends of Whittemore" in the eligibility section of your Affinity membership application. After you become an Affinity member, please deposit an additional $5 into your Affinity Savings Account to fund your Friends of Whittemore membership. We will then transfer $5 to Friends of Whittemore. It's that easy.
  13. Here is the link for the Parks and recreation society. (For some reason the site states" The security certificate presented by this website has expired or is not yet valid.) I am not sure why? http://www.prps.org/ https://www.netforumondemand.com/eweb/shopping/shopping.aspx?site=prps&shopsearch=&shopsearchcat=membership&prd_key=0c2cc333-7aa8-484a-aa99-76264f683e35 After joining Parks you can sign up for PSECU here http://www.psecu.com/ Just select: 1, Become a member. 2. Click launch application 3. Enter SSN and Date of birth 4.Select "I am an employee or member of Pennsylvania Recreation & Parks Society Incorporated" 5. Complete application.
  14. By joining The American Consumer Council your are eligible to join these credit unions. Membership is free. http://www.americanconsumercouncil.org/ Always do you homework before joining a credit union. Hope this can help a few of CB's members. Please post if you have any experience with these credit unions. •ABCO Federal Credit Union Rancocas, NJ www.goabco.org •Andrews Federal Credit Union Suitland, MD https://www.andrewsfcu.org/joinnow •ARC Federal Credit Union Altoona, PA www.arcfcu.org •California Coast Credit Union (formerly First Future Credit Union) San Diego, CA www.calcoastcu.org •Certified Federal Credit Union City of Commerce, CA www.certifiedfcu.org •Endura Financial Federal Credit Union Minneapolis, MN www.endurafinancial.com •First Commonwealth Federal Credit Union Lehigh Valley, PA www.firstcomcu.org •Fort Knox Federal Credit Union Radcliff, KY www.fortknoxfcu.org •Indiana State University Federal Credit Union Terre Haute, IN www.isucreditunion.com •JSTC Employees Federal Credit Union Johnstown, PA www.jstc.net •La Loma Federal Credit Union Loma Linda, CA www.llfcu.org •Lockheed Federal Credit Union Burbank, CA www.lockheedfcu.org •Maine Savings Federal Credit Union Hampden, ME www.mainesavings.com •Mountain America Credit Union Salt Lake City, UT www.macu.org •NASA Federal Credit Union www.nasafcu.org •North Island Financial Credit Union San Diego, CA www.myisland.com •NuVision Federal Credit Union Huntington Beach, CA www.nuvisionfinancial.org •Pinnacle Federal Credit Union Edison, NJ www.ThinkPinnacleFirst.com •Quorum Federal Credit Union Purchase, NY www.quorumfcu.org •State Department Federal Credit Union Alexandria, VA www.sdfcu.org •United Federal Credit Union St. Joseph, MI www.unitedfcu.com •UniWyo Federal Credit Union Laramie, WY www.uniwyo.com
  15. EX has to be unfrozen I believe. Mine was also frozen and I had to thaw prior to becoming a member. They called me and asked to unfreeze it. Unfortunately they wouldn't pull from TU or Equifax. One downside I suppose.
  16. Recieved this a few days ago.....No problems in joining with Parks membership........Hope everyone who applies get this email soon! ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- Dear MMWTHREAD: Welcome to PSECU! In the next few days, we will mail you a detailed welcome packet that includes your account and information about the many ways PSECU can save you time and money. If you have any questions, please call 717.234.8484 in Harrisburg or 800.237.7328 nationwide. Our hours are 8 a.m. to 5 p.m., Monday through Friday. One of our representatives will be happy to assist you. Thanks for joining PSECU. We look forward to serving you. Sincerely, Manager, Application Processing Department P.S. Because you're a member, your immediate family may also apply for PSECU membership.
  17. Last Update: 09/25/10 AmEx Oasis Program: 888-232-3261 American Express Credit Bureau Unit: 800-874-2717. Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number. Barclays: 888-232-0780 (Customer Care) Barclays: 866-408-4064 (Credit Analyst) Best Buy: 888-237-8289 (customer care) Best Buy: 800-365-0292 (CSR) Best Buy App Status: 800-811-7276 Best Buy Store Card: 800-305-0533 BofA Acquisition Dept.: 888-645-6733 (new app recon) BofA: 800-732-9194 BofA: 800-421-2110 (product change, poss. for cli)BofA: 888-260-4696 (secured accts.)BofA: 800.824.5895 (secured & partially secured accts.)BofA: 800-718-6072 (Credit analyst)BofA: 800-881-4730 (Loan Dept.?)BofA: 866-226-8225 (Recon)BofA Credit Dept. Fax: 888-500-6270 BofA/FIA: 888-831-4181FIA: 866-421-8153 (credit analyst) BP/Amoco App Status: 800-365-6204 Cap1: 800-625-7866 (Account Specialist) Cap1: 800-951-6951 (cust. relations) Cap1: 800-548-4593 (application department; status) Cap1: 800-889-9939 or 800-625-7866.(Account Specialist) Cap1: 877-513-9959 (Account Retention?) Cap1: 800-258-9319 (Debt Recovery) Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst) Chase: 800-432-3117 (App status) Chase: 888-270-2127 (App recon) Chase: 877-781-3109 (CLI requests & account closures) Chase: 888-245-0625 (Credit Analyst - Recons) Chase: 888-622-7547 (Chase Executive Ofc. in IL) Chase: 800-955-9900 (Product change status questions) Chevron/Texaco Biz Card App Status: 888-243-8358 Citi: 888-201-4523 (New App Approval Status) Citi AA: 888-662-7759 Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453 Citi: 800-444-2568 (Retention Dept.) Citi: 800-763-9795 (Credit Dept.) Citi Credit Bureau Dispute Fax: 866-713-5028 Discover: 888-676-3695 (Recon) ExxonMobil Biz Card: 800-903-9966 FIA: 866-421-8153 (credit analyst) GEMB: 877-294-7541 (escalated help desk) Home Depot Store Card: 800-677-0232 (Credit Analyst) Home Depot Store Card: 423 467 6957 (App Status/Recon) Home Depot MC (Commercial): 800-720-0649 Hooters: 801-545-6705, 800-850-4668 HSBC: 866-574-4421 (App Status) HSBC: 866-719-3897 (Credit Analyst?) JC Penney: 800-542-0800 Juniper: 866-408-4064 (Credit Analyst) Juniper/Barclays: 866-750-6031 (Corp. Offices) Key Bank: 888-201-4523 (App status) Key Bank: 800-254-2737 Key Bank MC: 800-288-4653 Keybank Credit Research Fax: 216-357-6404 Lowes: 800-445-6937 (App Status) Lowes: 866-232-7443 (Biz Acct. Underwriting) Lowes Fraud/UW: 800-444-1408 Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues) Macy's: 800-543-9617 (Recovery Services) Meijers MC: 801-517-5560 National City: 800-762-0974 (Credit Dept.) Nationwide Visa: 866-757-2720 (App. status) Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker). Philips 66: 866-289-5630, 800-610-1961 Sam's Club: 800-301-5546, 866-246-4282 (Underwriting) Sears: 800-599-9710 (App status) Shell Fleet Card: 800-223-3296 (App status) Shell: 800-223-3296, 866-438-7435 Shell: 800-377-5150 Staples: 800-767-1291, 800-282-5316 Sunoco Corp. Card: 800-935-3387, 800-278-6626 Sunoco: 800-310-4773 Target Biz Card: 800-440-5317 Tiffany: 800-770-0800 USAA Bank Secured Platinum: 800-344-5696 ext 38763 (secured product specialist) US Bank: 800-947-1444, 800-685-7680 (Underwriting) US Bank Secured Platinum: 800-344-5696 (underwriters for secured product) Valero: 877-882-5376 Wal-Mart: 800-301-5546 Wal-Mart Underwriting: 877-294-7548 Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096 WaMu CSR: 800-356-0011, or 800-280-9441 WaMu: 888-687-2273 (Apps/New Accts) Wright Express: 888-743-3893
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