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  1. I have a experian 578. I have a equifax 588. I have a transunion 586. Are there any credit cards I can get approved for?
  2. Hello, I already had one $5000 Cash Rewards Visa with BofA and a $300 limit Signature Visa as well. The $300 Visa was open since 2007. The $5000 limit one has been open since 2011. I also have a $2500 Amazon store card since about 2011 and a Capital One Quicksilver Visa with an $800 limit, and a Capital One Platinum MasterCard with a $700 limit. Have had both of those since 2010. The $5000 BofA Cash Rewards card, Amazon Store Card, and both Capital One cards have all been as the limit since last summer. I never had any late payments. I have had my checking account with BofA since 2007. I a
  3. I don't know a way (for free) to check my Equifax file but I doubt I have anything reporting there and I know DnB doesn't have anything but I do have some tradelines reporting to Experian. Does anybody know any relatively accounts I can get that only check your experian file? Also I'm NOT looking to PG anything, and it would definitely help if they reported to all 3 as well. I'm sure there's an answer to this already in the forums somewhere, I tried searching but couldn't find my answer. Thanks in advance, & I'll still be searching in the meatime.
  4. 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.
  5. Hey fellow CBers: I hope everyone is enjoying themselves during this time of year. I have a question. On December 15th I FINALLY embarked on my app spree after putting it off for longer than I had wished. Well it paid off (more to come on that in another post! ) My question is, I checked my mail on Tuesday and had an Invitation to apply for the Freedom Card. Here is my dilemma/question: 1) During my spree I app'd for and was approved on the CSP $22K and Ink Plus $10K (though I feel that I could have received more had I answered other usage questions with higher numbers). So will
  6. Hi All, Just wanted to post this for any of those who might have disputed an Advanta Credit Card account with Experian. I had this exact problem with Experian. Just received a notice in the mail that Experian is being sued for identifying Advanta as the provider of information on Advanta Bank Card accounts. Advanta Bank was taken over by the FDIC, and its portfolio of credit card accounts were sold to Cardworks Services. In typical Experian fashion they continued to verify that Advanta Bank was verifying the account data, even after they were taken over and closed down by the FDIC. It was
  7. Hi All - been a member for several years and find the advice and repartee always refreshing and practical. Anyway, recently received my hard copy CR from Experian. I noticed under all the Status Details area they add comments like "This item remained unchanged or changed from our processing of your dispute in Apr 2011." Should I be concerned with these comments? Do banks or credit card companies put any weight on these comments? Can you have them remove these comments? Just an aside, I find it curious the way they "stick it to you" and indirectly characterize you as the "whiner." It's like
  8. So the 'View your report again' section of the Experian site is down. Not sure if anyone looks at their EXP report, but I check mine to review updated SPs and other account info to see what makes it through a frozen report. I generally use the same report number for an entire year and then pull a new one after Jan. 1. In any case, just wanted to let folks know that it's been down for a week, at least, and it's being addressed as its apparently a nationwide issue.
  9. Hi, I sent in a dispute to Experian in late October, they responded quickly that they had "re-investigated" and verified the two items in my dispute letter. Ummmm...ok, but there were several more items that I disputed in that same letter that they don't even mention. My 30 days is up. Should I send in another letter to Experian stating that they did not properly process my dispute and to remove all disputed line items? Do I stand a chance? LOL that would be way too sweet ;-)
  10. Got a notification through MyFico Monitoring that a fraud alert has been issued on my Experian file. Says user initiated, which I certainly did not do. So I call Experian this afternoon to find out what the deal is and it dumps me into this phone loop that says I need to mail in copies of DL, utility, etc etc etc. Loops around in this message until it hangs up on me. Called 888-397-3742. Anyone know a way to circumvent this incredibly poor system? Or have another number? I vaguely remember seeing something similar from someone else on here not too long ago, as part of a dispute with
  11. Xpost from Idenity Theft. I have sent block letter per FACTA to Experian along with FTC Affidavit, police report, driver license, social security card, utility bill (for address verification) and received 2 page letter from them after a month of investigation. Basically here what is said on the first page "If you still wish to have this information blocked, please submit an identity theft report without the deficiencies noted at the end of this letter". At the end of the letter is noted "The identity theft report that you provided to us does not meet the guidelines established by the f
  12. I wrote a letter to the AG in NY, along with some other CB members, regarding EX's policy of ignoring the NY 5 year purge rule as opposed to TU and EQ. This is not a debate re the 5 year rule, good or bad (obviously good for NY'ers and not for other states but then other states have shorter SOL's and TX is much kinder to creditors...). I am not allowed to speak to anyone on any subject except for Ms. King, who while polite appears to be reading from a script. She has a file on me and knows every letter written. She also took credit for removing a paid charge off and an OC with no vali
  13. Experian claims a collection is a new account and has its own DOFD. One of their associates told me I was correct and to send in the proof I had and they would change the fall off date internally since Collection company keeps verifying correct information. So when I called to see if they received letter from OC the new representative told me that the other guy and I were wrong. The collection was a new acct and they have their own DOFD. I'm confused. Wells Fargo the OC states DOFD is a year earlier than what collection is reporting and should be deleted per obsolete.
  14. I can't believe that Experian has the audacity to send me this: 'We received a suspicious request regarding your personal credit information that we have determined was not sent by you. this could be deemed as deceptive or fraudulent use of your information. We have not taken any action on this request. Any future requests made in this manner will not be processed and will not receive a response." I have sent all three CB's the same request to change my name to my legal name and remove old inaccurate addresses. Both TransUnion and Equifax complied Experian sent the above. I have also a
  15. As a few fellow New Yorkers know, a few hardy souls have presented Experian's refusal to follow the NY 380J law excepting 5 yr paid collection accounts from being carried on the CRA's to the NY AG. TU and EQ honor this and delete. Exp. does not. I referred this to the NY AG who felt that it was a valid issue who referred it on to Experian for mediation. Experian refused to mediate (that is their option) and said that they would deal with it directly with the consumer (me). I received a letter from JenniferKing, Sr. Regulatory Affairs Associate dated July 1/2013. It was a vague letter indica
  16. I have about six AU accounts reporting and the first three hit all three credit bureaus without problem. Now, however, the last three were picked up by TU and EQ, but not EX. Any ideas why this could happen and any recommended solutions?
  17. I need to start my own thread on this and perhaps it can help some other people. I have three OC's- all charged off, -0- balance from early 2009 DOFD BK OF AM VISA $4,929.68 4888 9302 9603 xxxx $25 pymt 4/25/2009 charge off nov/ 2009 JDB (CACHE ONE) no contact Original contract was with Bank of NY, sold portfolio to Bank of America in early 2000's (NY 6 yr SOL) feb 09 delinquency CHASE 8937
  18. Ok, I am getting down to the brass knuckles.. Have three stubborn OC chargeoffs from 2008/9, one paid in settlement to a CA, the other 2 no DoV from Collector/JDB... I believe that prior validation to the CRA Experian was cursory, at best. I know that one account originated from an early 2000's purchase of Wells Fargo credit card that I would doubt that they have a copy of ten years after the bulk purchase. My question is, what are the total lines of information in an experian CRA TL and which lines are they required to fill out- ALL??? for example, it does not list a line for date of f
  19. my complaint with the NY AG was registered after screening on June 16th... This is the process... they send a letter of concern, if valid, to Experian. they wait about three weeks A second request is sent with a copy of the complaint after another two weeks( 5 weeks total). If the situation is NOT resolved, they contact the company verbally and try to suggest "voluntary mediation" obviously presenting it as valid. Ms. Andrienne Walters of the AG's office, Bureau of Consumer Frauds and Protection, has only received TWO complaints (Bravegirl, they hear you)... they need more for more fo
  20. I've don't recall having a Chase account. I think the account is an account Providian alleged I owned at some point (Providian--->WAMU--->Chase). The account was sold to Equable Finance. INC. And I was taking to court over the debt maybe two years ago. I won the case because they were not able to furnish any agreement with my signature to actually prove the account was owned by me. After several letters to Equable Finance. INC. I was able to have them remove their negative TL off all three CRA. The problem is Chase is still report the alleged debt the three CPA which is greatly impactin
  21. Maybe there is nothing that can be done about it, an maybe it does not really matter anyway, but figured I would ask: Last year, we purchased a house. We had hard pull on all three files on March 13, 2013 in order to get pre-approved. It took so long to find the right house, we ended up with a second round of hard pulls on July 29, 2013, when it came time to make an offer, as our original pre-approval was more than 90 days old an no longer considered valid. Then, as this was an FHA 203K loan which took nearly 3 months to close, we had a third round of hard pulls on October 15,
  22. I have made several attempts to resolve this debt with Macys the original debt amount was $245.00 cant remember the year.. but the debt have been sold the a CA that does not report to the CRA. I sent a letter request a paid for deletion and they never responding, and sent a DV and they never responded. I am frustrated because I don't know what my next option is in order to exonerate negative TL from all three CRA. DOFD: Safe to assume the DOFD = NOV/30/2010 2012 2011 2010 JAN DEC NOV OCT S
  23. I paid this debt off in settlement before I knew about the wonderful creditboards. I was bullied by Rubin & Rothman LLC associate that they will sue blah bah blah, that kept calling my phone, and eventually I agreed to pay $10,000 on $20.000/50% debt over a 6 months term. I paid the debt off as agreed. but Citi Card still reporting negative on CRA account... To add insult to injury I was hit with a Forgive Fed. Debt by the IRS ($7,600) for both NYC Federal ($1,212.58 paid) & NYC State ($1,000.3 still pending just received it last week). Collectively I paid more than half. If I knew wh
  24. Ok gang, this is not FCRA because it does not apply to original creditors. If a CRA is reporting information that is contrary to federal definitions of a state law, does the OC, upon notice of same, have a responsibility to withdraw the tradeline or insist on consistent reporting of the information that if gives to Experian CRA vs other CRA's... are they culpable if they participate in the misreporting when it is knowingly done by virtue of notice to them... Any legal eagles out there? HELP- this may do the deed if so..
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