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hoss79

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    Colorado
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  1. Got letter from CA but asked for me to send payment to Original Creditor (11 years olds fyi) does not have correspondance address only address for original creditor, were to send dispute and sol letter? hmmmmmmmm, help please.
  2. Got a random call from Intergral Recoveries about an $106 Court fine for a traffic ticket I received way back in 1999. I thought I paid it. I am going to pay it frist then go all the way back to bank records becuase I think I already paid this and it's a court mistake. Can they put a collection on my credit report this old? Or even a paid collection record? or should I just dispute all together but supposedly they can still put "collection in dispute" on your credit reports but I think there SOL is way over due and really can't do much. What are your thoughts everyone?
  3. Yeah, and it's actually worse because once the card is closed its credit limit no longer factors in so your overall utilization (not just on that card) takes a big hit. I really would have to study this becuase I pulled the credit on 9/14 with the account showing the dli but still open the fico was 707 and today the account shows closed but a 737 very intereting.
  4. I have a BofA credit card and a Line of Credit that up until last week had $35K limit and $30K limit. We closed the credit card and left a balance on there which the said we would just need to pay off over monthly payments. When they decreased he credit limit it reported $100 over what I owed and looks maxed out but can the credt bureaus use that formula on a closed account? Max out open cards lower your score big time but do closed maxed out cards?
  5. If they break the rules, who do we complain to? Where are the "teeth" in the bill? Is there any enforcement oversight? What are the penalties if the servicer does not follow the lender's guidelines/MHA bill? We tried with both CW and BofA and no go, my wife went on bedrest and couldn't work so I called no help whatsoever not even a temporary foreberance.
  6. Which card(s) are you carrying the balance on? The Business AE has a $5000 balance with $5200 CL and the Blue has a $1800 balance with $3800 CL. It would be nice to get that blue back up to $10K and than I would be set.
  7. Today I asked AE to CLI both my Blue and Business cards after they were both CLD in Oct 08 they said i was eligible after 6 months. So they said it could take a week to 10 days and it will come by mail. Anyone have any luck with them? I just want the card to show under 33% balance to CL so it doesn't kill the Fico.
  8. I just want the most accurate reporting from all three bureaus I don't care about the scores. Is there a company out there that I can pull credit twice a month?
  9. I would like to sign up for a service that monitors my credit and provides reports and scores at least once a month, can someone recommend?
  10. I have a $993K 1st loan and with my wife not working becuase of pregnancy complications we simply cannot afford the payments any longer on just my income. Countrywide now Bank of America owns the note, does anyone know of some options? It would be nice to get a 6-12 month foreberance by that time my wife will be off Maternaity leave and back to work. It just doesn't seem like there is any help for the bigger mortgage notes out there.
  11. My loan has always been serviced by Countrywide but recently got a welcome letter from Bank of America stating they are taking over. Should I send letters to Countrywide or Bank of America or both? I am trying to get a 6-12 month forebarence to get back on track. My wife had to stop working from Bed rest and is on maternity leave until November so with only my income we can't pay our bills every month. Any suggestions? FYI our loan is over $729K 1st mortgage and i know a loan modification is not possible. We just need some delayed payments until we can get back on our feet.
  12. Good for you we closed both green and gold installment cards, wish I had money to close the other two like you did. Thats awesome i hate AE.
  13. First off, sorry to hear about this. Her consumer card, hilton, is completely maxed out. Expect them to chase the balance, which should keep it maxed out (unless you plan to pay it off immediately). The business card doesn't report to her personal report (thank goodness) or the damage could have been a lot worse. Your biz card also doesn't report to your personal report, so that's good. Pay the two personal card balances off as soon as you can. Thank goodness the Business cards don't show up on personal credit. We already paid in full the two monthly cards and closed them. The hilton card we paid and it's under 30% utilization now. I already applied for a wamucard and discover for her and was approved instantly. I applied and was approved for Cit and Citi business.
  14. Whoa, that's a mighty drop. What kind of utilization does she have on her other cards? Sorry this happened to y'all. Other Cards were all less than 10% it's really too bad, I always paid the monthly due card day before there due and with the Hilton we paid $50 to $100 over the payment each time. Been 5 years of perfect payments.

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