I have NOT checked my credit since I last posted.......lol. I have read some posts today, but as someone else said NO way you can catch up after not reading for several days. I got a Sears card in the mail Saturday...forgot I even applied for that one. I got a whopping $6390 limit..that blew me away. I also finally got my Platinum State Farm card. I am suing 2 collection agencies this week. One is no longer reporting, but I have them on too many violations plus harassment (they were stupid enough to leave harassing messages on the answering machine) so I have the tape and they are going down for $5K unless they want to settle for $3K. What the hell, I can use money. The other CA finally deleted the 4 tradelines from Equifax, but decided to add 2 new ones without ever sending a notice, bill or anything. So I'm suing them for $4K. I will settle for permanent deletion and $2K. MBNA and Chase are both on my $hit list as well. I was originally denied credit...but after getting clean reports I faxed update reports to them. They both decided to pull 3 additional hard inquiries WITHOUT my verbal or written permission. They had new reports why in the hell would I want them to pull more??? So I have sent Certified letters and PFB to both. They can remove the inquiries within 10 days or I am suing both of them for $3K each. I have the fax I sent and specifically stated DO NOT pull another inquiry. If you can NOT use this updated report contact me via telephone and even gave them work, home and cell numbers. That's all that's going on with me...I'm gonna check scores and reports on Wednesday and not until then. Forgot to add....I have NOT settled with Equifax yet, but have received my check from TU and should be getting Experian's this coming week.
lmao That's too funny because when I emailed you so much earlier for help, my hubby started saying is that your "online" boyfriend? You know I thought about letting that CA go..but I said "Hey, they violated, they are gonna pay" hmmmm thinking..what does LK look like? we are both newlyweds too, I got married in Vegas in August
Well, thanks for the inspiration. I have one in that same position. I too thought of letting them go, but wiukd they let me go ? Nope. So I'm gonna file.
Bank of America~ TU approved 752 Generations Bank ~ TU approved 752 MBNA ~ Experian and TU denied 669/752 Chase ~ Experian and TU denied 669/752 Target Guest Card ~ Equifax approved 623 Citibank ~ Equifax denied 623 Everbank ~ Experian denied JC Penney ~ Experian denied Dillards ~ Equifax approved 623 Mervyns ~ Equifax approved 623 Sears ~ TU approved 717 State Farm ~ Experian approved 669
Christi, I can't believe that you got denied so much with EX. especially since they pull it alot in Texas. Charlie
Christi I got a Sears card in the mail Saturday...forgot I even applied for that one. I got a whopping $6390 limit..that blew me away. ---------------------------------------------------------------------------------------- I have had my SEARS card since 1979...I only have $5,500 but I NEVER ASKED FOR A CREDIT LIMIT INCREASE... Couldn't stand being REFUSED a limit increase...
OOOH, Christi. I am loving you today girl...... I am filing thursday on one collection agency and will be ready to file Monday on EQ. I have not filed yet on EXP, due to work schedule, but paperwork is ready to go and dh will handle it for me tomorrow...... I am ready to move up the credit ladder.. I am glad to see you posting
Christi..... was curious if your 669 experian score was from CE? My equifax said 659 and when RNB pulled it for a target visa it showed 558 or something. I almost died. She told me she thought it was that my debt to limit ratio was way over 50%....wouldn't you know it, now (two weeks later) it's way under. ::sigh:: Still don't know what my score is on EQ, can't pull it.
