Well I have a clean Equifax report now that I went and applied for 3 things last night that pulled it The collection agency I was going to sue on Monday faxed a letter today: Ms Christi, Please be advised that all information regarding the above referenced accounts will be deleted in its entirety from your credit bureau files. We have set up your accounts to have this information deleted from all three major credit-reporting bureaus. We electronically transmit once a month. Please allow 30 days for the change to appear. If you have any questions please contact me immediately at 555-555-1212 or mrcollector@collectionagency.com Now I wished I had waited to apply for AMEX until these are removed. Will they do a manual reconsideration and Citibank as well?
Absolutely, wait a bit for the listings to be updated (check your report online if you can or you might want re-order it to be sure it is updated) and have the CRA send updated copies to ANY and ALL creditors that denied you credit. It is YOUR right and all of them will send the updated reports to the creditors that denied you. Most companies keep your application on file for 30 days so do it kind of quickly. I know for a fact that Amex will reconsider without another application for 30 days (Citi should do that as well). I did this with Cap1 (my first reconstruction card) and it worked like a charm. -Peace, Dave PS Congratulations, and I am glad you decided not to ignore posting anymore to the board!
You are a moron. I can't wait till my reports are all clean so I can apply for ever credit card under the sun!!!
..And you are a dipshit!! What's your point? If applying for 3 cards is every card under the sun, you need to get out of that cave you're living in. If I really wanted to apply for every card under the sun I would have done it. The day you have fraudulent accounts on your report that you have NO idea how the hell they got there and deal with it for 2.5 yrs and FINALLY get it fixed via a lawsuit, then you can judge me. Until then.. (_!_) KMA
The truth hurts :0) Foul language is usually a sign of ignorance. So how many credit cards have you applied for in the last two weeks? You should also revise your credit score as they have to be lower now that you have so many new accounts and inquiries to boot. Have a nice day Forrest!!
So we have a new "bobby" under the guise of lbrown. Interesting userid to choose for picking a fight on your first post. IP shows: Bank of America (NETBLK-BARONET) 2000 Clayton Road Concord, CA 94520 US Netname: BARONET Netblock: 171.128.0.0 - 171.206.255.255 Coordinator: Bank of America Corporation (ZB29-ARIN) hostmaster@bankofamerica.com 925-675-3744 Domain System inverse mapping provided by: NS1.BANKOFAMERICA.COM 171.159.64.15 NS2.BANKOFAMERICA.COM 171.161.96.15 Record last updated on 17-May-2000. Database last updated on 14-Mar-2002 19:58:16 EDT.
Yes, the truth hurts, but I'm NO Moron you truly are a dipshit and have proved that over time by your paranoid delusional thoughts and posts. On TU I have applied for: Bank of America ~ approved $8800 Generations Bank ~ approved $6000 Chase (did NOT apply did reconsideration) denied Experian State Farm Visa ~ approved $7500 MBNA (reconsideration) denied JC Penney ~ unknown Everbank ~ denied First USA ~ denied Equifax Target ~ approved $200 AMEX ~ denied Mervyn's ~ unknown Oh, my Trans Union is actually HIGHER now thank you by +38 points so let me change it to 790. Experian is now -5 so it's 664, I'll change it. Equifax is higher today +13 points to 636 so I'll change that as well.
hey pat, i'm no guru on that stuff you just posted. so based on those ip addresses, is that indicating that someone is impersonating the llbrown person?
Christi, You don't owe this "person" any answers. You did notice that it's lbrown. not lbrown59, and that their first and second posts are to you.
When you first register for an ID on the board, it captures your current IP address. It could be anybody, but they were on Bank of America's internet connection when they registered the lbrown id. Our own lbrown59 registered from his AOL account. Not saying the two couldn't be the same person. The board captures IP addresses for every post, so PBM has the ability to relate an ID to multiple IP addresses that they were using when posting.
i haven't been around a heck of a long time but i do know that lbrown59 posts here a lot. i thought it kind of odd that lbrown59 would just come out shooting like that. he/she(lbrown59) seems to start a little slower than that and then build up velocity. i guess whoever that moron is impersonating lbrown59 has been lurking about and based on the postings used him to start some stuff with christi. i guess the jerk is a tad bit jealous of her.
oops.... I guess I owe the "real" lbrown an apology. I got just a little pissed at that moment. Dang, one of these days my mouth is gonna get me in trouble..lol. LBrown59 if you read this "sorry if I offended you"
as Pat said, we don't know for sure that it isn't lbrown59. i guess we'll just have to wait for the real lbrown59 to stand up!! LOL
I don't think it is...because he would have quoted me and messed it up about 5 times in the one quote and he would have answered about 5 times in a row to say the same thing and he would still be answering it.........lmao.
LMBO!!! BofA is busted!!!! No question that this was a BofA employee. Bet they could get fired over this if PMB wanted to contact BofA about one of their employees harrassing members of this board. L
Christi - how come u were denied First USA, Everbank, and the others?? I thought your EXP was clean??
