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http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2330942 There is a .pdf file to download. Lots of interesting info. The abstract is below. Abstract: We analyze the effectiveness of consumer financial regulation by considering the 2009 Credit Card Accountability Responsibility and Disclosure (CARD) Act. We use a panel data set covering 160 million credit card accounts and a difference-in-differences research design that compares changes in outcomes over time for consumer credit cards, which were subject to the regulations, to changes for small business credit cards, which the law did not cover. We estimate that regulatory limits on credit card fees reduced overall borrowing costs by an annualized 1.6% of average daily balances, with a decline of more than 5.3% for consumers with FICO scores below 660. We find no evidence of an offsetting increase in interest charges or a reduction in the volume of credit. Taken together, we estimate that the CARD Act saved consumers $11.9 billion per year. We also analyze a nudge that disclosed the interest savings from paying off balances in 36 months rather than making minimum payments. We detect a small increase in the share of accounts making the 36-month payment value but no evidence of a change in overall payments.

Hi guys, My mother and I have the same first name and last name. I checked my EQ CR and there is a negative account on the report for Verizon. It says in comments " Collection Account, Account closed by credit grantor" There is no collection agency listed on the EQ CR. Now, I don't remember signing up for Verizon and this could be my mothers'. How do I go about disputing this? Should I send a validation letter to Verizon or to EQ telling them that account is not mine?

Hi Guys, I pulled my Experian credit report and I saw that a law office has been pulling my credit once a year for the past two years. It's to collect a debt I owe from 2009/2010. How can I stop them from doing this? Is there a way I can find out how much time is left on the SOL on the debt? Also, when I got this debt, I was not a legal resident in the United States but I am now.Can this help in making the validity of this debt slightly illegal? Does this change anything? I also pulled my Equifax credit report but it does not have this information on it. Is this normal?

Hey everyone. I hope everyone has a great holiday. Does the Experian Credit Expert program work for bumpage? Let me know. Many blessings for you and your families.

I'm just interested in everyone's plan for 2015. Are you rebuilding, just beginning, in a holding pattern, or are you ready to be a credit repair pro and help others? Did you meet your goals for 2014? If you want, provide your plan so you can come back at the end of 2015 and see if you met your goals.

Hello everyone. Happy holidays. Received an automatic credit line increase from Barclays today. (Got that card thanks to the info on this site) I was waiting for my sixth month anniversary to call and ask for an increase. I started with 1,000 and they increased it by 650.00 Can I still call to see if they will give me more? Let me know.

Hey, just joined here looking to get some advice and information on my situation. I just graduated college with a Mechanical Engineering degree in May. I started work and have been saving up for various purchases and moved into a nice apartment complex. I got married as well in October. There my background for you. When I moved to Dallas, I had to get an apartment for us. I got denied based on my credit regaurdless of how much oney I was making based off of insufficient credit history. I started to look into this more and got a account on creditkarma to see my scores. I have around a 591. I've never had a credit card in my life. Im only 22. I make 60k a year. The only payments I make are on my student loans which are 25k. I started paying off my loans 6 months before I had too. My wife had her college paid for and was smart and got a credit card in college to build credit. Her score is about 740. I've tried to get my score up by getting a card and paying off the purchases as soon as I could. Only problem is I can't get anyone to give me a card in the first place. I get denied anywhere I try. It's very frusterating for me. I feel stuck. Fast forward to last week. My wife and I both make over 6 figures combined and are replacing our cars with over 150k miles on each. I got a 2011 BMW 528i and put 50% down to get a reasonable interest rate of 5.64% for 60 months. We plan on paying it off early but we had trouble getting someone to finance us at first due to my score. The dealer gave me my score and this is when we realized why I have had such a horrible time getting financing. 4 years ago we were on a ski trip. On the way up to Colorado, our charter bus went over the side of a mountain pass, injuring half of the 43 on board. I was ok compared to the rest, but my wife had a significant lasceration requiring surgury abover her eyebrow. Her bill was around $30,000 while mine was only $2700. The driver of the bus was at fault for not slowing down around the corner while it was snowing. The bus company shut down across the entire US to avoid paying the money for our injuries. We had to sue the bus company which ended up taking a few months. By the time I had finally gotten my bill for the hospital, it had gone to collection. I was only 18 at the time. I didn't know anything about collections or credit history for that matter. Once I settled with the bus company I paid my bill as soon as I got the check. My wife took even longer This is hurting me today. I can't seem to get a head of this bus crash incident. I'm looking for some advice or guidance on what steps, if any, that I can take to explain my situation to someone who can fix this for me. We are going to be buying a house in a year and need to get this figured out so I can be a help instead of a hindrance to our credit. Thanks for reading!

A foreclosure that was eliminated months ago is being reported on my CR by Ocwen. They foreclosed on me in 2008, but it was a countrywide loan back then. Ocwen must have purchased it. Since I have never had a loan with Ocwen I immediately wrote TU and EQ to remove it as I thought it was an error. When TU wrote me back that they confirmed it is mine, I called Ocwen. It is mine, but the dates being reported on my CR are all wrong. Any strategy suggestions on how I can remove this? Thanks.

Hello all, It seems like forever since I have been here. In fact, it has been a few years I believe. A few moons ago, I got started repairing my credit and suddenly a divorce popped in front of me, then homelessness, and now I'm back on my feet with a great job and a place to live with extra money rolling in. My credit is still terrible and I really want it to be better. In the past I got as far as sending validation (or was it verification?) letters to the CRA's through CMRRR and got several replies back saying they were verified. I no longer have these documents, though. I had opted out at the time and I believe that is still in effect? Also, I had all my old addresses removed I think, but I live at a new address (obviously, if you read my previous paragraph). I have done some extra damage to my credit while I was homeless. I did some ATM fraud with depositing empty envelopes and withdrawing pre-approved cash. I also over-drafted a few banks (I have a hard time remembering which ones?). I can no longer own a checking account (I have a US Bank Contour account that my paychecks go into). ChexSystems (Or is it Telecheck?....Probably both) hate me. Maybe I've done more damage on top of that, hard to remember. Regardless, I am past that. Please slap my wrist and tell me I screwed up in a quick fashion if you don't mind. I believe that my best course of action is to get a copy of my credit reports first and foremost. I think I should also obtain both Telecheck and ChexSystems records as well. My questions are as follows: What is the best place to get credit reports currently? Scores are not important to me at all right now I believe, just the report. I believe I have already used my free annual credit report within the last 8 months. How do I go about getting ChexSystems and Telecheck reports? Is there something I should be doing before this? Thanks, and I hope that with your advice, I can follow through with my commitment this time. Regards, cSquared

Hello all, It seems like forever since I have been here. In fact, it has been a few years I believe. A few moons ago, I got started repairing my credit and suddenly a divorce popped in front of me, then homelessness, and now I'm back on my feet with a great job and a place to live with extra money rolling in. My credit is still terrible and I really want it to be better. In the past I got as far as sending validation (or was it verification?) letters to the CRA's through CMRRR and got several replies back saying they were verified. I no longer have these documents, though. I had opted out at the time and I believe that is still in effect? Also, I had all my old addresses removed I think, but I live at a new address (obviously, if you read my previous paragraph). I have done some extra damage to my credit while I was homeless. I did some ATM fraud with depositing empty envelopes and withdrawing pre-approved cash. I also over-drafted a few banks (I have a hard time remembering which ones?). I can no longer own a checking account (I have a US Bank Contour account that my paychecks go into). ChexSystems (Or is it Telecheck?....Probably both) hate me. Maybe I've done more damage on top of that, hard to remember. Regardless, I am past that. Please slap my wrist and tell me I screwed up in a quick fashion if you don't mind. I believe that my best course of action is to get a copy of my credit reports first and foremost. I think I should also obtain both Telecheck and ChexSystems records as well. My questions are as follows: What is the best place to get credit reports currently? Scores are not important to me at all right now I believe, just the report. I believe I have already used my free annual credit report within the last 8 months. How do I go about getting ChexSystems and Telecheck reports? Is there something I should be doing before this? Thanks, and I hope that with your advice, I can follow through with my commitment this time. Regards, cSquared

I just was wondering should get it from each CA or third party or get it mail or not ?

I received a pre-qualified offer from Chase Slate. When I use the chase pre-qualifier it says there are no pending offers. Does this mean anything important that i should be concerned or aware. Let me know. Thanks in advance for your responses.

i have an issue with my Tu. I get it every month via Discover. Does anyone else have an issue with wild fluctuations month to month? Im going to want a car soon. Id rather walk in with a "good" credit score rather than a "fair" one. I have a friend who says his is the same every month. He has much better credit, I dont know if that makes a difference. Lets see. I use all my cards at least every other month. I pay off balances within two weeks most of the time. I do use one card much more than the others because it has a lower interest rate. My utilization rate has been 10% or less all year. Im kind of stumped and aggravated. *shrug*

I am currently working to have false or negative things removed from my credit. So far, Transunion has been very helpful and easy to work with. I am not having the same luck with experian and equifax. Is there a customer service number for them? I have gotten several things removed from my transunion, but am pretty sure they remain on the other two reports. What is the best way to file disputes and have it updated to all three, or is this even possible?

How do I PM a Creditboards Member

Hey all, All of a suden, my capital one account, in good standing and 0 balance, is giving me an error when i try to access the authoized user section...here is the error as chris tucker likes to put it......"what the prol is?" am I the only one getting this error? Is it just maintenence? anyways, I'll call them in a bit but just figured this was wierd.

Is there a way to get the CRAs to remove/delete a charge-off from my file if the OC has updated it from a balance owed to $0 and transferred? I have tried to get it updated or deleted and only one CRA has changed it from a charge-off. This is the only neg reporting thing on my report but it's still there and it has cost me nearly 175 points. So, the cliff notes version of my backstory goes a little something like this: I had an account that I chose to close because they wouldn't give me a CLI. I was told I could set-up autopays for the remainder of my account balance until satisfied. About six months later I was applying for a loan to help pay for law school and got declined. I was surprised because my scores were all in the 700's. I discover that this closed line was reporting 120 days late. Im fuming at this point and seeing red. I contact them and they say I haven't made a payment since the account was closed and I proceed to argue with them that's not accurate. I subsequently check the account I set-up drafts from to see all the money still sitting there. I speak with a girl who informs me that I can pay the past due, minus the fees, and then continue paying the account down. I could also request the late fees and such to be removed or credited due to the clear misunderstanding. I pay the nearly $1k and move on. About 10 days later I get a call from a CA that my account was sold to them. All HELL effectively breaks loose. I go through a BS circle of "he said" "she said" on my account and ultimately they refuse to correct their mistakes. The CA is confused because they see the large payment made and don't quite understand what has happened. While I proceed to escalate my complaint to the corporate offices of this bank and promise legal action if the now reporting charge-off isn't removed, the CA tells me they won't report anything on my credit if I want to just pay them the remaining balance. The catch is it has to be in full. So I agree, but it needs to be split up into two payments. About 2 weeks after the first payment goes through, a collection account pops up on my credit reports. Need I say my eyes are once again seeing red?!?! I reach out to the CA and tell them they lied and violated an agreement. I accuse them of fraud and they guy tells me the rep that made the agreement with me "misspoke" but that he would speak with their legal team and see what they could do. I didn't hear back from him for a week and sent them an email which also served as my notice to file suit. They never replied. I blocked their access to my account and reached out to an attorney. After consultation, I proceeded to make good on my notice of filing a federal lawsuit against them for multiple violations, including breach of contract, attempt to defraud and FDCPA. Meanwhile, they continued to bury themselves by leaving vmails, all of which broke the FDCPA each time by not giving the "this is a debt collector and message only for Bld08" elevator speech, prior to leaving the message and two of them they admit to making a mistake by reporting the item and that they were trying to have it removed but that it would not really fix my credit score. My lawsuit is still ongoing, as it was filed in federal court on Sept. 4, 2014.

Hi. I am new and have been lurking and ready for about a month. I finally decided to pull my reports and post here. I have been in a battered women's shelter for 5 months. I now have my own apartment a great job starting at $13.94 an hour with a trucking company as a dispatcher and an opportunity for tons of overtime this holidau season. Here is my situation. I was with my crazy ex for 12 years. He handled all fiances. I pulled my trans report and score faco was 589 and $16k in collections. Lots of medical 3-5 years old and some of his credit cards where I was on them that are 5 years old. I pulled experion and score was 507. Total was $25k in collections owed. Again medical and credit cards joint with him and some cell phone and cable collections as well. I could not get equifax to pull. Said I had an account and I would need to call. I need to have my top teeth extracted and dentures VERY soon from where he broke a lot of my teeth and I am in severe pain. I also need a car as I am borrowing on that I have to give back next month. So I have decided the best thing is to file bankruptcy and start over. I am a frugal person and use to have great credit until I let a true sociopath take over and ruin it all. There is no way I cN catch up and I don't know how to afford the $2k needed for extractions and a denture on top at the moment but I am working as much as I ca to try and get there. Here are some questions: 1) what does it cost to file chapter 7? 2) do you think with my situation that would be my best bet? 3) if I file ch 7 how long before I could start to rebuild credit? 4) any suggestions on getting a car? Would a big here lay here for a cheap car work for starters? I can't afford to just pay a couple grand for a car. I would need a loan of some sorts and yes I know I would have a high rate but I have to start somewhere. I am rock bottom and just getting out of a shelter and Into an apartment and now Paying $850 a month rent is grocery plus light bill kid taking care of two kids us gas in the car I am borrowing takes all I have. This why they are letting me work overtime. I am suppose to get $1150 a month child support but dad is in jail awhile so that doesn't get received. I am just looking for advice on how to start and get my life back on track. My BIG issues is I need a car and i need my teeth fixed within next month or two MAX. Thank you for any suggestions or kind words. We do not qualify for food stamps or state assistance so I think I am doing damn good with what I have right now. Again thank you!!

I will be disputing with a few Original Creditors some derogatories they are reporting to the CRA's using the 623 dispute method as these came back from the CRA's as verified. My credit report only lists partial account numbers. Will these partial account numbers along with a copy of my credit report listing the item they are reporting be enough information for them to respond to my dispute as I do not want them to deny the request based on incomplete information.

I am so overwhelmed. http://creditboards.com/forums/index.php?showtopic=533733&hl= I was sent this direction to post in medical- and I am attempting to start the process for the medical bills, but have so many questions! DO I have to opt out? What does it mean I am opting out of insurance also? My credit report came up with my maiden name (Been married 4+ years) does that matter? Do I opt out under my maiden name or my married name? Also, for verification, I have a couple of disputes on my credit report, I am not supposed to even look at those until I clear up the medical ones, right?

This is a long read but well worth it. It illuminates the disgusting tactics JDB's stoop to to earn their significant profits. It also points to serious deficits in consumer's privacy and integrity of credit data - data which is so often passed around from thug to thug as they leach off the least informed consumer. Very sad. Should be required reading for anyone involved in credit repair. The article was in the NYT Magazine. It's entitled, Paper Boys: Inside the Dark, Labrinthine, and Extremely Lucrative World of Consumer Debt Collection. The author is Jake Halpern. http://www.nytimes.com/interactive/2014/08/15/magazine/bad-paper-debt-collector.html?_r=0 Apologies in advance if this has already been posted. I did a search and could not find it!

So I am back from boot Camp and stationed in Japan and during the time I was securing a new auto loan for my wife I missed two payments on our existing auto loan and are trying to buy a house so Im hoping this goodwill letter will remove the two lates that are the only two I have had out of the almost 3 years I've had the auto loan which is now paid off in full! Please any comments will be beneficial. THANK YOU CB FOR THE TEMPLATES! August 18, 2014 Regarding: Account No. XXXXX Hughes Federal Credit Union ATTN : Collections Department 951 E. Hermans Rd Tucson, AZ 85706 To Whom It May Concern: I am writing a letter about my experience with Hughes Federal Credit Union that is a mixture of a grateful "thank-you" and a pressing request concerning a Hughes Federal Credit Union auto loan in my credit file that I would like to have revised. I was very fortunate to have received the Hughes Federal auto loan December 1st, 2011 several years before I enlisted in the United States Navy on June 5th 2013. On October 15th my now wife informed me of one of the most special moments of our life, and that is we were expecting a beautiful little girl. We were then engaged on January 10th 2014 in Kauai and I eventually headed to Boot Camp on February 5th ,2014 in order to serve my country and prepare for a financially stable future for my soon to be wife and future daughter named Aria. I went on to graduate from Boot Camp April 5th 2014, was able to get married during my Tech school on April 19th 2014 and my daughter was born on May 24th 2014. I then graduated Tech school on May 31st, and unfortunately had to leave my family behind for the time being while I left to Japan on June 15th 2014 where I am currently stationed. I became disorganized with respect to, as you saw, making two timely payments with Hughes Federal credit union. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with Hughes Federal credit union. This account is now paid off in full and hope you understand my full gratitude for working with the accompanying Lender. To be honest, this year has been very much chaotic, stressful, and at times slightly overwhelming but rewarding in ways I couldn’t have ever imagined. Through the entirety of my time with Hughes Federal credit union I have always made my payments an absolute priority, and during the time in which I was having to prepare to leave my family in order to go overseas and securing a new car for my wife there was a brief period of confusion and I hope you understand I have done everything possible to amend this situation and do the right thing. Thankfully, responsible credit management is reflected in my credit records which -- excluding the Hughes Federal late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, that I intend on growing and am determined to keep spotless. We are about to shop for a mortgage, and it has come to my attention that the late notations from Hughes Federal credit union may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my overall excellent history with Hughes Federal, I am requesting that you give me a second chance at a positive credit rating by revising the auto loan. Your customer service representative suggested that I write you for a "goodwill adjustment." I sincerely hope that there is redemption at Hughes Federal Credit Union, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. Very hopefully yours, NAME ADDRESS

Hi, I'm a Newbie and this site was reco'd by my BF bc I need to work on my credit. I wrote down my credit score goal as 750. I was told once, if it's written its real. That kept me on top of goals in life and has been a successful tool in my life thus far. It's pretty much a twist on a vision board. Anywho, with all that said, I would love opinions and recos on what, how, and when I should do certain things to reach this goal. I have read difft posts, but there is so much info that helps, but also pushes me one more step away from achieving my goal bc I just don't understand certain things mentioned. Here's what I'm working with: When I was younger, I did what most recent grads did to ruin their credit-- I applied and was approved for every cc and store card I could possibly get. I rem counting it to be approx 11 cards. I was under the impression that this gave me credit history and would help build my credit. I obviously maxed them all out, made late payments and eventually stopped paying on them. Probly brought my CS to high 400s, low 500s In 2009/2010, I was able to pay them all off giving myself $0 debt. Once again thinking, if I have zero debt my CS will be better. Mistakes doing that involved paying charged off accts, settling accts and speaking to CAs that bullied and talked me into handling things their way or no way, which now I know...wrong thing to do. I fig'd that by time I finish my advanced degree (2009-2013), my credit would get better esp if I stayed away fr CCs. The only time my CR was touched were inquiries for car loan leases in between that time. Finally my most recent car lease inquiry in 6/2013 revealed EQ beacon 611, EX FICO 641, TU FICO 681. This is where I am stuck on what to do. I pulled EX CR that says 8 potentially negative items. These include CCs and store cards that had late payments and closed per CGR, 2 late payments on car note ( which I think only one is valid), and late payments on 2 store cards that I still have open and am able to use ( which I do on one of them, currently at less than 10% UR bc they gave a CLI out of nowhere) I joined CK, score has been at 648 the whole time since i joined abt 6 moths ago, just joined Credit sesame, which my score is 641. I have my advanced degree student loans which are roughly abt $200,000+ (Yikes), the low balance store card, and car loan as my debt. I have 4 hard inquiries, which were made by the same car loan companies (2 in June 2013, then 2 again in Sept 2013), car actually purchased in Sept 2013. I NEED HELP at this point!! I searched CB for what my next steps should be to increase my credit score, but too many options, I just don't know which is best for my situation. I was thinking to get a secured card and/or sign up for a credit card, but I really just don't know what to do! HELP ME PLEASE! I've seen the wonderful advice given by the community and hope that I can receive the same. Thx in advance to all PS I thought I had one negative item falling off of my acct last year, but it seems to have showed up under a different company name, but same acct number. And I will have about 2-3 items falling off by the end of next year. Tx again

Hello all, newbie here: I thought I was out of luck about my situation until I found this site. Maybe someone can help me. I lived in an apartment complex for about 2 years and paid my rent on time every month. I got a new job offer making more in another city which I took and my company even paid for relocation. I told the apartments a few months in advance and was told that I would have to pay a cancellation fee, as well as any other fees that may arise. I agreed, and like I stated before my company gave me a lump sum to cover relocation costs. So I paid my fees using money orders in person, and had one more payment, which we agreed I would send through the mail. They were calling asking about the payment and I told them in 3 days I will send the payment, they said okay, and 3 days later I sent the money order to them. Immediately after sending the money order for the last amount I owed ~$500 I called them and told them I just sent the money order. That was the last time I spoke to them. About a year later, I checked my credit report and noticed a creditor amount of $2500. I called the apartments immediately and asked about it. They said I never paid them ANY money and they sent me to the collection agency. I told them I never received any contact at all from them for almost an entire year saying I didn't pay or they didn't get the money or anything. The 2500 was for "creditor fees" they tacked on. They asked if I had the money order receipts and I said it's been a year and I had no contact so I assumed everything was good, so I didn't pay much attention to the receipts and lost them. I filed a dispute through experian.com and within a month received a response saying the debt is validated and that's it. I am so furious, I've worked so hard to pay off all my bad credit and money owed from a while back when I was in financial trouble, and I was just paying off my very last creditor then this comes up! I know I paid most with money order IN PERSON and the last payment through mail with consistent contact. They are saying they never got any money. Can anyone help??

Good day, I want to make this the starting point of my journey to homeownership. I know that posts on message boards can be very interpersonal but I want everyone to know that I appreciate any advice or help given. A short bio. I am a 29 year old male. I grew up fast and moved out of my house when I was 18. I put myself through school and had my own place when others are usually still living off the teats of mommy and daddy. I made mistakes mainly from having no financial guidance and plainly being over my head. I went through most of my 20s struggling financially pretty hard. I had to pick and choose what bills to pay and I got a sense of apathy as I just started not to care about my finances as I figured I was already ruined. A phoenix rising from the ashes. I am in a good place. I feel optimistic and relatively stress free. The only thing that stresses me out is paying off these debts and getting my creditworthiness back. In October I am getting married to my beautiful fiance and I have a nice comfortable job where I make about 75k a year. I am finally in the position to tackle this thing and never look back. Where I am at right now. My FICO score as of right now is 523. Makes me cringe hard. My EX is my highest score at 576. My EQ is 523 and my TU is 525. All 3 of my credit bureaus vary from the information that is on them. What I have done so far. I have literally no positive tradelines whatsoever. I opened up 3 secured cards this week to build credit which I haven't even received yet . I will always stay below 25% utilization no matter what and just buy gas and groceries with them and pay them off. The cards are Capital One Secured $200 limit, Fingerhut(cringe I know), and First Progress with a $300 Limit. I am also on the last month of my student loan rehab. So those tradelines should be healthy after and a nice positive tradeline added. The nitty gritty. Here are the contents of my reports. Judgment: 1/29/2010 $2,653 This remains unpaid. I am not sure how to approach this. There is an attorney that is basically forcing me to pay and keeps sending capias warrants if I don't. However the balance I have to pay is roughly $7000. I have literally no paperwork for this as I never showed up for the initial hearing. RI Student Loan Authority Date Opened 5/1/2009 Account Status: Closed Date of first Delinquency: 5/2008 Comments: Paid Collection Santander Bank Installment Loan Balance:$5434 Date Opened 7/12/2007 Date of first Deliq: 02/2009 Status: Charge-off Nelnet Loan Services 11-120 day late marks Date Opened:11/27/2004 Date Closed:05/2009 Comments: Transferred/Closed Nelnet Loan Services 11-120 day late marks Date Opened:11/27/2004 Date Closed:05/2009 Comments: Transferred/Closed US Dept. of Education Balance $3,656 Date of first major delinq:09/2012 Comments:Collection COLLECTIONS CA:Action Credit Alliance of Boston OC:Memorial Hospital of RI Balance: $233 Opened 12/1/2011 CA:Action Credit Alliance of Boston OC:Memorial Hospital of RI Balance: $560 Opened 1/1/2011 CA:EOS-CCA OC:Narragansett Electric Balance:$409 Date Opened 3/1/2013 CA:EOS-CCA OC:ATT Mobility Balance: $435.00 Date Opened:8/1/2012 CA: Midland OC:T-Mobile Balance $1111 Opened 2/1/2013