Hey there – how do I rebuild my credit card work, I'm getting nervous about authorized user cards not factoring in my FICO. I have five cards: the one where I am the sole owner of Orchard are for 1.250 $, Bank of America (reports backed up) for $ 1,200 and HSBC Discover for $ 2,500. The high credit limits with the (11k and 14k) are those where I have a legitimate user, but I've been the only one, it forever.
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rnUm to try, and my notes when they try not matter anymore, I'
Is beefing up new credit now a good strategy? [sole holder] [bofa]
December 29th, 2011 
admin Credit Report Question [medical bill] [credit report]
December 29th, 2011 admin I have an online survey, and got the results back as Paid in Full, but on the new credit report they sent me, it means $ O Charged balance and paid off but at the time, says he still says 3.5 and on my credit card report to. What does this mean? Does that mean it will remain on my report for 7 years. Last activity was 12/99. I sent a letter to the lawyer who owned this account.
nIch also have a doctor's bill, which paid in full, the back says 3 years ago, that was paid last. – Balance 0
Quick Question for DOLA [account thanks] [dola]
December 29th, 2011 admin I recently received a letter from the original creditor (Bank One) asked me to confirm receive sign a form that I have the card holder to pay off a previous credit card. My question is if I sign a letter like this, it changes the DOLA account? The DOLA is expressed 11/97.
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rnEinfach: so, this type of communication include, as an activity on an account?
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rnVielen Thanks in advance!
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rnmmmReply:The DOLA is 11/97.
Thanks in advance!
Next step after disputes w/ CRA's – need advise [fico score] [cra]
December 29th, 2011 admin Reply:Reb, Welcome!
My advice would simply be (since you are new here) to start reading through all of the stickies that are posted in these forums. If after reading and reading some more, you are stuck or don't understand how it would apply to your situation, then post the question. We have many knowledgeable people on these boards.
I'm just now beginning to understand (after over a month of reading) how the law works and what steps to take with regards to
No response to DV letter [tradeline] [cr]
December 29th, 2011 admin I have letters to DV 4 Ca is that trade lines have on my CR and none of them have been answered, “It was 45″ should I delete a second letter with the request for DV TRADE LINE from my CR? although I would happy with the organizers, but do it over 3 years to change the system with the OC has been? or do I live or die with a CA? : Twisted:Reply:this is old credit card debts, they left me alone for a long time but now they are after me again, i will resend DV letter again and see what happens, also
Dispute form for experian? [ch7] [experian]
December 28th, 2011 admin I was just discharged from CH7 and have ordered all my credit reports to do a clean-up, and to ensure that all appropriate accounts are listed as IIB. Experian did not contain a dispute form and when I went online to battle with the confirmation of the report # I was told I received my report from a local credit agency and they had to dispute.
Anrufrn
rnIch, feel it would be much easier in writing or online. . someone had to call and dispute a number of accounts? When I form my own ar
Aha! Look @ what I just got in my inbox. [fico] [inbox]
December 28th, 2011 admin I'm on the 30-day trial version and can not be run reports without paying for it (which I eventually) . and I heard my inbox thing .
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rnund looky here . rn
rnhttp-
: / / i18.photobucket.com/albums/b135/76Chick/wahoo-fico.jpg
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rnIch have no idea why, unless some disputes were handled. Off to go check!
rnDas made my morning! lolReply:That's awesome. My most recent score was a 707 from FICO on Transunion… the other two were like 690-something. i
FYI: 716-839-9270 Multi-Company JDB Harassers. [portfolio mgt] [sweat shop]
December 28th, 2011 admin Reply:Thanks Robert. I know the last part of that one was for me….LOL.
Well, based on what's been said, these apparent bottom-feeders are clearly (IMAHO) using the telephone with the intent to harass people into paying a debt (a debt they may not even owe)…to me, I'd say that's precisely the type of activity the communications act was intended to deal with.
I wonder if anyone knows when/if such activity by anyone (a company, an ind
Can CA Collect on TL that OC has Charged Off ? [midland]
December 28th, 2011 admin Providian has two Acccount, not even me, but it has not charged it. Midland is now trying to collect on them, they can do this?Reply:Of course they can, that's exactly how the collection/ junk debt buying game is played.
If they are NOT yours, then you need to send Midland a validation demand letter and make them prove it IS yours. If you've been the victim of ID theft, then you need to make sure you state that and you also should dispute the tradelines with the credit bu
Tired Of Fighting with Credit Bureau! [tradeline] [credit bureau]
December 28th, 2011 admin Hi Please help me !
rn Evil: I'm actively against my credit reports for about 10 years . . constently letter after letter no fix in sight. I Wright's letters to collection agencies deny information, and they do not have the original information . they want me the information (I do not think I'm not stupid). But the TRADELINE remain on my credit reports. Although the Agency's dispute remains, but why and how, if they do not have all the information.
rn Evil: My ex husb