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Found 2 results

  1. I am getting close to a Card spree. And I need some guidance. I am done with the secured cards phase. I have 2 secured cards: Open Sky and a Local FCU. I have a Bank Credit Card graduated from secured: Wells Fargo I have a Credit Card from DCU. And I have 2 store cards: Walmart Discover and Amazon, both have been increased. Equifax 727 Walmart 795 DCU FICO 751 Credit Karma 756 Credit Sesame 775 No Baddies. What are the best cards to apply for next and how many should try for? And Thanks to this board I started in the mid 500's.
  2. Okay, after sending a nutcase letter to Equifax, I got them to delete a collection account and drop all previous addresses and names. I had asked for deletions of several accounts, including 8 student loan (Dept of Ed/Sallie Mae) accounts if they could not be validated. I knew there was no info available on those loans because I called Sallie Mae ahead of time and, besides my name, account number, and loan amounts, they said they had no more information. So, Equifax leaves it on there and says, among other things: - We have verified that this item has been reported correctly. - There is no historical account information currently on this account. (I asked for this because the payment history chart was showing no data) - This creditor has verified to OUR company that the terms are reporting correctly. - Prior payment history and status are reporting correctly. - Additional information has been provided from the original source regarding this item. My question is, how can it be reporting correctly if there is no historical account information? Aren't they required to provide me with this info if I ask for it? I did ask for it "as required by the FCRA" in a written dispute sent CMRRR. I specifically asked for payment history. Does their failure to do so violate Sec 611 of FCRA? Thanks in advance!
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