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Hi all, im a newbie here but let me explain my story. About 2 1/2 years ago i got an overdraft of $500 dollars at my credit union that i was in (San Mateo Credit Union to be exact). Around the same time i lost my job and was unable to pay my bank back, after a certain time they sent me a letter saying that they reported me to the collections agency, and a few weeks later i got a letter from the collection agency asking to pay up but to my luck i was still un employed and had no job or money whatsoever. I recently got employed again and wanted somewhere i could deposit my money, so today i opened and account at BBVA compass bank. To my suprise it went fairly well, i was able to open a checking and savings account. But now im reading online that theres a possibility i could be shut down by somethimg called the EWS? If i was reported to a collection agency is there a possibility i was also reported to them? I deposited a fair amount of money, so im kind of worried something will go wrong, had anyone had similar problems? How can i know if i was reported to the ews?
Hi folks, 360 days ago, I opened a secured credit card with capital one to rebuild/repair my poor credit with a $1000 deposit. I've always paid it on time and today I just received a pre-approved offer from them. I only currently have their secured mastercard and an american express charge card so I figured it'd be good for my score if I got another credit card. I called them to see if I could convert my secured credit card (credit limit was $1000 a year ago, $1450 now) into an unsecured credit card but they said they don't do that. How should I go about getting my Grand back without hurting my credit? Should I sacrifice a goat? If so, what words should I chant as I'm doing it? I would appreciate the advice. Thank you!
(I realize I posted this is the wrong forum. I'm moved it to Auto Finance.) Sorry! Hi, everyone, I’m in the process of shopping for a good preowned car and I saw one that I liked at the dealer. The Carfax looked good, test drive went well, so I put down a $500 deposit and said I’d be back when I got my DCU auto check in place. (Leaving the deposit was a mistake, I now know.) Today, three days later, I’m reading the Carfax more carefully and I see it doesn’t list the car’s service records as specified by the manufacturer’s warranty (which is still in effect). I plan to ask the dealer for those records, but I don’t think I’ll trust anything that’s supplied after the fact that should have been on the Carfax in the first place. I’ve now seen many other Carfaxes of this model of car and they do show service visits and what was done on what date. And while I find it hard to believe that the previous owner of the car I looked at didn’t make any oil changes for 28,000 miles, the lack of a record on this is a huge red flag. I just read the dealer’s buyer’s order that I signed and it says all deposits are non-refundable. Uh oh. So what recourse do I have? I’ll ask them for the service records. If they don’t have them, I absolutely will not buy the car. If they refuse to give me my refund, what are my options? The deposit was made on a credit card. And by the way, this dealer was in New Jersey. Thanks for your help!