poniedziałek, 4 lutego 2008

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I've been a regular poster on the credit forum and recently started reading the posts on the mortgage forum.
That gives you time to get it taken care, the funds are their for the OC or they are returned to you eventually once resolved.
She's relatively young so she has no credit and if so, how does it effect her credit from this point on until the 7 years until it is taken off?
(Cash now no collateral) I was hoping for more on the GM as I will be buying a Tahoe in November. I would like to run everything thought it until then to earn a nice down payment. Maybe I will ask for increase during activation call. I have a $2600 Orchard card with them already.
I would call them up and immediately dispute it and let them know they agreed to delete this crap off.
One more question...I haven't really ever used the validation approach for something like this...
credit report that itemizes the deletions.However the credit report from equifax contains the following information.

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As far as I know they have not contacted him since he sent the validation request.
I changed the beginning of my answer because I looked at your asking was it legal.
I like PrivacyGuard only because it is a great way to see all three daily
(Uk paycheck cash) If you take your 4 grand and subtract about 700 to cover taxes and insurance, that leaves you with 3300 for principle and interest.
That is why I want you to get it in writing, if possible, along with the power of attorney, it is just plain outrageous and they have no defense for it. It is amazing isn't it, near unbelievable even and why you need a papertrail, courts just don't believe these things commonly happen.
Keep sending the vibes and credit repair dust my way so I can deal with the AXIS OF EVIL TU...

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Was that a slam? I sure hope not. I'm just trying to get some help here and I have no ide who "the troll know as Bertha" is. Have I hurt someone's feelings in some way? I sure don't know how. Just saying what is in my heart, but if noone is listening or noone wants to hear what I have to say I won't post anymore...I'll just read...or maybe I'll just leave. I thought we were all here to help each other.
So, instead of disputing as account status wrong, I should dispute as being duplicate account and inaccurate info...yes I believe that was your advice.
Today, 3/17/03, I received a response from Capital One, dated 2/26/03, declining my request based upon the following:
(High risk personal loans) I'd like to include this request; Explanation of interest and fees added to balance since account was purchased by your company.
I was wondering if I should trow a law suit at them or PFB them again to give them another chance.
I sent in the dispute letters to the CRA's and am still awaiting on the results back.
The date of status could well be considerably after that and the date of filing still after that.

niedziela, 3 lutego 2008

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Meaning if I am late on my car payment and they contact me and I tell them I will mail it when I can, they cannot call me again for another 30 days.
Sometimes this will result in a deletion if you ask them to prove how they verified an account.
Good Luck, and to you too, las03!!!!!!!!! Stressful times, know that you aren't alone and you'll get through this. Focus on what really matters, your families and loving each other.
(Cash advance for any country worldwide) You told them in front of your boyfriend not to call you at work, right?
Like I said, I am not currently FHA approved so I am not as well versed on it as I am my other products.
:mrgreen: I did make a rather hefty downpayment -- well, hefty to me anyway, LOL .

sobota, 2 lutego 2008

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I will hold off on my house hunt and focus on making some money so I don't end up foreclosing myself!
All injuries or damages resulted because the plantiff was negligent and didn't conduct his affairs as would a normal person.
Somebody - I guess Capital 1 - obviously re-aged the account by saying that I had refinanced it after it had been charged-off, which they are not allowed to do.
(Big limited 3a cash advance) My mother died two years ago. She had a Capital One account that was covered by their payment protection plan.
I explained that 14% APR is unacceptable, even though I like the Quantum concierge service a lot!
Also, are they still as slow as they used to be? Any chance of a reasonably quick closing with a VA loan? And, are the transactions smooth, or are they filled with problems?
For example, the response to my non-PP suit included the following affirmative defenses.
If you are meaning Federally Guaranteed Student Loans, then there are certain protections and benefits that you would lose by rolling them into the mortgage.

piątek, 1 lutego 2008

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Dixie said: "You should have known better than to validate an account this new"
heh as some of you know I even contacted the rockford mayor and he personally wrote me back on camco.
I plan to dispute by saying the info reported is inaccurate but I don't want them to delete the acount from my report as I have had the loan for 20 years, never late.
(Huge cash advance com) Of course, as the other posters mentioned, it's all about your individual situation and what you want!

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I did place the phone call to order the work done for the business,, but the work invoice for the work was signed by one of the employees.
Was nervous since it was my first call but I was mellow with the rep, who seemed suspicious for sure, was transferred once but since I stayed calm I guess that helped and they deleted the addys. Kept the ones that were connected to good tradelines that I am an authorized user on.
I was a paralegal for many years and somewhat knowledgable in legal terms, yet not knowing anything about credit and/or credit scoring - she scared me!!
(Instant loans no teletrack verification) It's my DH. Been on light duty since May 03, will be off completely within the next 3 - 6 weeks. Had a torn rotator cuff - had surgery during this time.

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Into the banker box, pulled the binder, looked under Comcast and voila There was their signed copy of box numbers returned/accepted, date of acceptance and signature of agent.
In 1999, I had a $250,000 unsecured, personal line of credit from Compass Bank.
I don't think the college will take the account back and even if they did --- what would be the benifit of it?
(Cash advance with no checking account) I know you don't smoke weed� I know this but I'm gonna get you high today.
Bush using fictitious fears to frighten the public into giving him whatever he wants.

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Then, the next time you pull, just act like you are signing up for the first time all over again.
Strangely, I applied for the Gold Delta last month. On both reports it is showing open date as Jan 2003, giving me a bonus year! So my newest card is also one of my older cards!
Bush senior lost the election after winning Gulf War 1 because of a lousy economy.
(Dubai personal loans com) As I mentioned previously, it sometimes takes 2 times to get things off.

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Today I had a call from one of my creditors regarding how my BK was reported, next to their paid up/affirmed loans....she had me fax my copy of my CR and told me she would look into it....here's hoping the wheels are turning into something favorable....It's a small thing but just the start.
The other aspect that's a little uncomfortable is that the timing has to be impeccible and your attorney responsive & responsible. This is not a common combination.
If the acct hadn't been used since 92 it would have already fallen off his reports.
(No bank account needed loans) As I said before, I am not an expert on collections, but usually once thing get as far as going to collections, the usual thing is to offer the settle the whole account. In your situation you need to see if the OC will take your check and take or put the account back on good terms.
And LOL I feel stupid cuz I don't know if we get any of that money back??? I get so confused everytime I think about it....
Bows all around, to LA for seeing it on first read, and to Supermom for the awesome response letter!!!!!!!!

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I have already made the manager mad, so I don't want to push him much more, but I do want to protect myself.
And nobody thinks twice about the barely legal finance companies who often have a huge part in the BK.
I hear it's easy to get approved in-store, as long as you have a major credit card.
(Telecheck commission) I THINK I have some emal addresses on file. They will all be somebody@ford.com. If I can find the appropriate email address, I will wholeheartedly deny where it came from.
Once again I had nevr been late with the account and it was discharged in BK as they well know because that is how they had reported it previously.
If I dispute the 3 charge offs and the judgment at the same time, should I just use one of the sample validation letters with the account information, and no further info and sending CRRR shows that you are serious. Anybody have suggestions on the best way to send off the info?

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Your situation is more complex than just a charge off because of the judgment.
I have disputed this account on all 3 CR's and it comes back verified no change on an account that was supposedly forgiven in 2000.
Now I am taking this as if we say we didn't apply for credit they have to find out if we did or didn't in order to leave it in the report for others to view.
(Fast cash personal loans com) So to make a long story short-it's possible that a lender could get a score for him even if you can't.
In the address to a group of college students, Woolsey described the Cold War as the third world war and said "This fourth world war, I think, will last considerably longer than either World Wars I or II did for us.
While this may end up costing you .250 in RATE or so it is a definate possibility.

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If I order all three reports directly from each CRA's, is the information is going to be the same as the one I order from FICO wih thier score?
"Probably the most common problems consumers have - and this is a problem that, of its nature, will never go away, no matter how much good will and expertise collectors have - is the misidentification of someone as a consumer because of identical or very similar names, use of nicknames, name changes, etc.
One of their brilliant ideas was to pay people $100 to switch back.
(Cash advance format letter) Subtotal............................................................845.94

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It happened once to me and I checked thier site and it was delivered but for whatever reason I did not recieve the green card.
When I checked back during subsequent weeks, I was told that answers would be forthcoming soon.
Let them settle the suit with you and provide you with the needed documentation should this situation re-appear again in the future.
(Loans emergency no credit 5000) I have only been doing this for 5 months now. Almost done with mine, going to start on DW next, and after that I think I will stick around. That is the only way I can thank everyone here. I feel that I need to help new people and pass on the kidness that I have gotten here. Beside if I can stick it to a Ca by helping someone else then hell yes I'll stay and play .
I do know that if I request to be present during the walk-through, they're supposed to let me.
Hello all - I have been looking at this site for a while and I have been inspired.
and cloaking them on TU, i believe they are feeling the heat of multiple lawsuits behind the scenes.

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It HAD been reporting on my EQ and EX as I was an AU but it only took 1 dispute to get rid of it.
It's impossible for him to do this I was just wondering if this was normal during eviction to get charged legal fees even without eviction or court hearings.
When I got my MBNA LOC, the tradeline showed up without any activity associated with it.
(Khaki funding loanshop com) I�m added as joint user on cousin account with DMB year ago, at time when I didn�t have SSN.
I am also gonna draft up letters to EXP and EQU with the police report etc., but now that I've disputed online I don't wanna send in the info and have them extend it...
I just dont want him to get laughed at if he's still doing this when he starts kindergarden. He's in pre-k now...and it totally doesnt bother him!
Maloney, is drafting a bill to prohibit card companies from considering information from other lenders when resetting their rates.

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"We are intending relatively shortly to put out an additional privacy notice," said Brian Turmail, a spokesman for the department's Transportation Security Administration.
Equifax sent the investigation report saying they deleted an item, however, the item is still there???? They also updated a tradeline as "paid in full" however the tradeline still showes as a charged off account and shows lates...as well as an R9 status. It does not say "paid in full".....????
Bows all around, to LA for seeing it on first read, and to Supermom for the awesome response letter!!!!!!!!
(Need a 5 000 dollar loan) 3. TransUnion will mail you an updated copy of your credit report, reflecting the results of the investigation. We will send this to you via U.S. mail within 30 days of receiving your initial request. Mail delivery typically takes 3-5 business days.
My SIL lives outside of Houston and keeps trying to talk us into moving down there.

czwartek, 31 stycznia 2008

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If it's a non-PP pull, I know for a fact that they can find their checkbook
This is an important question to me too, as TU has done this on one of my TL's as well.
Donna just called - Tradeline in question deleted. Apparently, someone entered the wrong code...........
(Reviews for quick click loans) Some lenders may require additional information, such as income or time at job, to help them more accurately set the terms of your loan product.

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Please don't take offense, but that letter would make a perfect nutcase letter - LOL.
Did you receive the same letter as me, or did you just apply at the Fleet site?
Please help - on the answer to this...I need to proceed with this and i was hoping for some idea how to best go forward.
(Fast cash personal loans com) CCB account, Simms was CA -- within SOL , you requested validation from Simms, Simms committed several violations prior to validation, account turfed to NCO and NCO completed validation.
I've personally had a great experience with Orchard Bank...with one exception...getting my credit line increased.

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Especially if I have this document set up correctly as in the format.
Our credit report showed a few open collection items, but all were errors.
If EQ says that score is FICO, it'd better be or they're in deep doo-doo.
(Get a 5000 dollars loan overnight) What I was looking for in the goodwill is to remove a couple of lates from 2001 as I am going for a mortgage in the next two months or so.
Obviously, to get into debt someone had to be upstanding, making decent $ and have good credit in the first place.
I don't know if it is difficult to cancel, but I know the one time I called, I got someone on the phone immediately.
Just wanted to know what it was based on particularly since my own words were called offensive and that wasn't my intent, nor do I think it was of anyone else that posted, but I can't speak for them. But, that's where the thread ends too, so I wasn't sure.

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If $1143 was written off, does that mean Cap1 "took the loss" and then wrote it off on their tax return?
I am totally in the same boat. I disputed one SL, next thing I know that SL is duplicated saying "reinvestigation in progress". I called and they said it will be REINVESTIGATED!!! I can't believe these clowns. I want them deleted, not waiting ANOTHER 30-days to reverify. I am starting my own paper trail and will get serious with EQ if it comes back in Oct. with nothing changed
They pulled EQ, 702, not instant approval, and I think they are completely score driven.
(Bad credit student loans minnesota) I don't think I should have to point it out and then give them time to fix it.
I would do it, but I want to exhaust my options and I don�t trust creditors to honor their agreements even if they sign a contact.
Oh, we were also denied for our mortgage through the automated underwriter system AFTER they were notified of the incorrect reporting.....collect damages maybe???

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Of course, they are doing well lately, but i'll be more than happy to add you to the many dedicated Avs fans that i have placed bets against that they will NOT win the Stanley Cup or even the Western Championship.
Using the successes from those in similar situations has been what has helped many.
Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form.
(No teletrack payday loan com) He didn't seem to agree w/me, but I�m sure he wasn�t quite grasping what I was saying; as he�s well versed in the FCRA and FDCPA.
I do most of my business here in Florida with the credit unions almost exclusively for prime credit people. Here it is NOT a problem to do as you want. I manage to do it all the time. I personally think they are very easy to work with.
You apply for the 0% BT for 6 months GM card, and are denied and have to keep your $1000 balance on your 23% Providian card.
Just called Bank of America to request that they lower my interest rate which is currently at 15%, and was told that the best that they could do is 12%.
I have a quantum with world points why not just get that card kill 2 birds with one stone

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Yes, a CA or anyone else whom they have a business relationship with.
We moved into our new house with a new phone number and started getting the messages stating that "it isn't a sales call." I called them to find out who it was and to tell them to stop calling.
And, with the sincerest of heartfelt warmth and devotion, I send to you....................
(Emergency personal loands) If bad advice is given, that's the surest and swiftest flurry of responses you'll ever read.
We haven't heard anything since, and now it shows on TU as supressed.
When I put in my home zip code, located in the oldest suburb of Los Angeles, where winding streets lead to charming early 20th century bungalows nestled in the hills, it comes up with "Neighborhood Type -Inner City"

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I am disputing this inquiry because I CAN, you don't get to declare that a crime.
I got his name and I was wishing I had a way to record the conversation and then my phone beeped.
This is a semi-embarrassing and open letter of thanks and gushiness to Nana...
(No teletrack no contact payday loans) I have already contacted the OC and have documentation clearly evidencing that you did not in fact verify the information you are reporting nor could you have reinvestigated; therefore, delete the TL as you are required to do.
I don't judge people on their looks, but the bad part is, he wasn't a bad looking guy, but every since his girlfriend left him, he started acting and looking weird, and creepy.......Really creepy.........
Into the banker box, pulled the binder, looked under Comcast and voila There was their signed copy of box numbers returned/accepted, date of acceptance and signature of agent.

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What's the SOL on the first account? I don't see this as reaging the account, unless they change the DOLA on the first account. So, I'd attack the first account with a validation letter. If it's past the SOL or they can't validate, you're in a better position. If they can validate and you are in the SOL, you will probably have to pay or they can begin collection activity and report.
All of the detailed planning and concerns for a good program and rate are thrown out the window and my borrowers are asking me to "just get whatever you can I don't care about the rate".
Okay I haven't learned how to quote yet. I've got to go back and read that post. So Sirrowan what is a "buydown" situation? If it's more home than can afford. I don't think so. We would have been able to afford our home but the contractor took days longer than allowed by contract. We stayed several days in a hotel. Then the day before closing we were told our closing cost were double what was expected. That wiped out what little we had left. Then 3 months later my gradfather died. We stayed a week in a hotel for that, plus travel to OK from TN. This was pretty much the start of our down fall.
(Reviews of quicken loans) I'm nodding with georgiaboy and JEByrd, it happens, it should happen in my humblest of sassy opinions, because even if paid they are still responsible for the reporting under the FCRA provisions, and if it's not right, it's not right and you could pursue action against them for the damages of an inaccurate negative reporting.
I actually thought the same thing, the whole thing is we just moved in october from a 4 bedroom double wide mobile home to a 2 bedroom apartment, got rid of ALOT of things. Disney will happen, it is for the kids, I am not going to worrry about it. So the cell phone is off for 2 weeks, they dont' report good or bad anyway, cause it is prepaid.

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Someone will post it, but there is caselaw that says pulling a report to see what they have reported or for defense in a lawsuit is a big no no.
I'm a long way from done, I'll never be done, I hope no one ever is, it's a way of life.
Now I did ask in a earlier post ,basically , Would you write the companys that hold public events for one race only?
(Netspend cash advance) So yes, fill in AAA with the specific tradeline information that applies to you and your wife's reports and the same for the CRA's that I used CRA 1 2 and 3 as examples for.
Is that person still selling / scamming on eBay? If so, would you mind posting his eBay user ID?

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Quick question regarding the privacy guard explanation of why my score sucks!
Since you didn't pay after chargeoff, it is obvious their record keeping is bad.
It looks like we were deadbeats but we kept paying everyone until we had to stop to start the BK process.
(Mte financial phone) They also go by the name of CFC Financial Corp. aka...City Financial Corp.
Some of the Household products would likely be available to you as well.
The only problem that I have with it is that it's a little unstable because it's top heavy... Other than that, I love it!

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I am in receipt of your letter dated 2/9/2004. You stated in your letter that you did conduct an inquiry on a Dolemite73, but not in Illinois. Well, I just moved up here from North Carolina recently. I will restate what I said in my previous correspondence to you, I have not applied for credit or employment with Scumbag Auto. I am sure you are aware of the consequences in violating the Fair Credit Reporting Act. You are in violation of the following statutes of the FCRA:
You probably have a copy in your schedules of all your documents, or call the bk clerk's office and find out if one was filed.
I do not want to show up at court with them having valid contracts and trying to sidestep that unless I have a counter0-suit, alledging violations of the FDCPA.
(Payday loan worldwidecashnow) Can a debt collector , collect a debt on unpaid fines, taxes, or alimony or tort claims??
I could pay 1-2 now, but I have probably about 6 that I need to take care of all together on mine and my husband's reports.

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If you are not past the SOL for lawsuits, and you are not able to quickly settle the account if necessary- or prove that it is not yours-
Looks like you are good to go!!
It is also noteworth to mention that while spec home builders may make 6% or less, I can assure you custom home builders make much much more.
(Loans without pulling credit) Also , would there be any reason to argue over a tradeline being reported as "discharged in BK/Repossession" when it was actually a voluntary reposession?
Nope, there hasn't been any assignment, as far as I know. I thought that I heard that Providian is trying to sell their business or at least their subprime division so they were trying to make their portfolio look better.