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Just called to get paid copies mailed. The other two went fine, asked for payment and gave confirmation number. Trans Union just said it was "processed" and I'll get it in bla bla business days. I got free reports on 12/25, are they just sending me that? I tried to call to talk to a rep, but not open again till 8:30 monday.
Hello everyone. Happy Holidays. I received an invitation to apply for the Chase Slate card. Applied and received a decline. The decline is based on my TU, per the decline letter. I had no baddies, until Ocwen started reporting a mortgage that I lost in 2008, and stating that I was late in 2013, but now its current. I don't know if I should call chase and if i do, I don't know what to say. any advice?
One or more accounts are not paid as agreed
Length of time since oldest credit card was opened is too short
Length of time since newest account was opened is too short
Too many accounts opened in the past 12 months.
I'm currently delinquent on my Auto-loan with M&T Bank and currently is out for reposession. I just spoke to the manager and looking to do a voluntary Repo of the vehicle. I couldn't get exact information on the Credit Board regaridng this, but below are my questions:
1. I understand this stays on my credit for 7 years just like any other bad-credit history that could be bumped off. Is it the same with the Vehicle Repo? Can I bump this from my report just like any other credit pulls?
2. What are the other consequences of a Voluntary Repo?
I have a few soft inquiries from three CA's.
I can not think of any reason for them pulling my credit. I get no correspondence from any of them. I do have a list of phone numbers that call me (I do not answer and they don't leave a message) and two of them are on the list ( Ol' Ed and First Nat'l).
Law Offices of Ed Overcash
Account Discovery Sys
First NTL Coll Bureau
None of these show up as collections or anything on ANY of my CR's. There's only two things they can be calling about, one is for $127 for an insurance premium that I will probably never pay and the other is for, yes again, insurance for around $85. That's another story in itself for another time
I was just wondering if I should call them and ask WTF are you pulling my credit for? And maybe cause them to hang themselves (my state allows me to record as long as one person >>>ME<<< gives permission to record the phone call). I don't think they would actually sue for $127 or $85 so I'd send them a limited C&D letter. It's just puzzling because there are no baddy's on my CR's related to them.
Or should I just let sleeping dogs lie as the saying goes.
Hope Everyone is having a great day and week! I need help with the following: I had an account which I disputed and requested it be corrected (was reporting incorrectly). Account was around 10 years old (student loan) and Paid As Agreed and Closed. Instead of correctly reporting it the creditor completely removed it from all 3 bureaus. I am wondering if I should request that it be correctly reported or let "lying dogs" be. Would it factor into my credit scores substantially (I.e boost my scores) as I need every point I can get.