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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



449 Magic Points

 
Posted on Mon Sep 29, 2008 3:13 am  

I have some that I can not wait till they fall of my report, 2011 is not that far away, I will have a celebration when that day comes.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



123 Magic Points

 
Posted on Tue Sep 30, 2008 12:38 pm  

It really isn't that far away. All our accounts are up to datge but this economy thing scare the shit out of me and I am always afraid that soemthing is going to happen and we fall off the credit boat again. I like to believe my hubbys job is secure but with the way things are looking is anyone safe. I see they are expecting a credit freeze and all I can think is LOWES, LOWES LOWES. If they do that then how am I gonna transfer the debt?
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



449 Magic Points

 
Posted on Wed Nov 12, 2008 7:15 pm  

What do you mean by a credit freeze? Is it where they don't let anyone use the credit card that they have for that store? That would be dumb on their part. Alot of people use store cards to get what they need and want. I would think as long they are making their monthly payments on time let them do what the original contract states. Hope this does not start happening cause this is not good for the company or the economy at this point in time.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



123 Magic Points

 
Posted on Wed Nov 12, 2008 11:10 pm  

No not freeze an actual card. They will not give out any new credit cards and not increse the limits on the ones who hold credit cards. In a sense the credit card companies goes into self-protect mode. I actually think this is what happened on your post "card closed by company". You had mentioned that someone was asked to pay their entire card balance upfront since they were making no charges for a peiod of time. Yes this is worse for the economy but you have to see their side of it a little. It would be like you knowing you were losing money in the stock market with not as much chance of gaining it all back.. POeople are really defaulting on credit card debts so why would they increase limits and extend new credit?
Firang



Joined: 28 Apr 2009
Firang's page
Posts: 55



-37 Magic Points

 
Posted on Sat May 16, 2009 4:56 pm  

Code:
POeople are really defaulting on credit card debts so why would they increase limits and extend new credit?


why do banks do this? because they want new business.They can't just really identify who is a gentleman at a first sight.

Although they expect strict code of conduct when they deal with defaulters but surely these defaulters are really smart and thus even sometimes outsmart all their (banks) efforts.

what else they can do?

Arrow Arrow
1INSANE1
Guest






Subject: COPY
 
Posted on Tue May 19, 2009 12:24 pm  

How come I can not copy and paste this form? I need to use this for a student loan that I paid in full yet they charged it off. Its with SLM. I kept bank statements showing payoff and letters to there collection company. Per the collection company there info is suppose to fall off by 5/21 however SLM is still showing charged off on my credit report.
rachael



Joined: 11 May 2009
rachael's page
Posts: 233



6576 Magic Points

 
Posted on Thu May 21, 2009 3:43 am  

Hi Insane,

"Charge-off" generally stays in the credit report for 7 years from the day you became delinquent. If the 7 years time period is over, "charge-off" should fall off from the credit report. I believe you intend to sue the collection agency for not reporting to the credit bureaus, to update your credit report. For this you have to send them a letter through certified mail with a return receipt requested. Please find a sample of a Intent to Sue Letter in the following link: http://www.creditmagic.org/sample-letter/sue-collection-agency.html . Please enclose copies of the bank statements that prove you have already paid off the debt.

Have you tried to dispute the negative listing with the credit bureaus? I feel you should first try to dispute before you send a Intent to Sue letter. You will find in the following link a sample of a Dispute Letter: http://www.creditmagic.org/repair/dispute-letter.html
_________________
Looking forward to a debt-free life.
foreverandever



Joined: 09 May 2010
foreverandever's page
Posts: 17
Location: Cleveland, Ga.


301 Magic Points

 
Posted on Sun May 09, 2010 8:14 pm  

This is also an awesome letter! I wish i had signed up here and seen these letters before sending my original DV Letter, which was rather ordinary.
sudoku



Joined: 05 Jun 2010
sudoku's page
Posts: 1



10 Magic Points

 
Posted on Sat Jun 05, 2010 1:29 pm  

Hi everyone,
I am new to this forum and hope that I'll find pleasure discussing credit related problems with all of you. Smile
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: reply
 
Posted on Mon Jun 07, 2010 11:54 am  

Hi sudoku,

Welcome to this community Smile

Feel free to share your knowledge, and discuss your credit related problems in the forum.

Thanks,

Aaron
_________________
Keep in touch Smile
Barbara_Elena
Guest






Subject: Hi
 
Posted on Sat Jul 10, 2010 5:48 am  

HI rachael,
Thanks for the information Rachael it was of great help.

Hi sudoko,
I’m sure you will find pleasure in this forum and solution to your credit related problems like many of us has found.Smile
Glow
Guest






Subject: Judgement notice..
 
Posted on Wed Jul 28, 2010 2:59 pm  

Pls. Help! I opened an account w capital one in '05. I lost my job shortly after so I couldn't pay my balance of $900. About 3 years ago I moved to Washington state from California. Two weeks ago i checked my credit because I was trying to buy a house and and was not approved because capital one was been keeping my credit up w notices and bad remarks. After doing some research I found out that they hired lawyers and they got a judgment against me in California!!! I checked online w the court in Cali and it said that capital one and theyre lawyers sent various certified mail papers for me to show up to court! But they were sent to the address that I hadn't in for years! Plssss help! What can I do? Should I fly down to Cali? Get a lawyer?
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: Judgment notice
 
Posted on Thu Jul 29, 2010 7:34 am  

Hi Glow,

There's no need to get so tensed about this. First can you tell whether or not you sent notice to the card company about the change in address? Well, as you were not properly served in regards to the judgment, you can file the motion to vacate this judgment.

Thanks,

Aaron
_________________
Keep in touch Smile
crorkz matz
Guest






Subject: bzwKZKRffeFrWeBKvyH
 
Posted on Mon Aug 04, 2014 11:47 pm  

TsEKid Thanks for sharing, this is a fantastic blog. Great.
crorkz
Guest






Subject: eHZDnhIAWIWfxTeyChP
 
Posted on Tue Aug 05, 2014 5:19 pm  

7m4brX Very informative article. Much obliged.

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