Author Topic: credit score (Read 841262 times)

David Smith · « **Reply #2300 on:** January 28, 2016, 10:40:51 PM »

Quote from: CS91 on January 28, 2016, 10:40:02 PM

So what has happened to you when you request that AU account is removed from CR? It just disappears but you never hear from the bank?

Yes.

CS91 · « **Reply #2301 on:** January 28, 2016, 10:56:42 PM »

Quote from: David Smith on January 28, 2016, 10:40:51 PM

Yes.

Did I do something wrong? All I did was call up the CBs, said that I would like the following AU accounts removed from my report because I am not financially responsible for them. I think that the CBs officially called it a "dispute."

palm tights · « **Reply #2302 on:** January 28, 2016, 11:03:31 PM »

Quote from: David Smith on January 28, 2016, 09:15:04 PM

Yes. Look and ask on credit boards for exactly who to send three request to and how to reach them.

Calling on the phone also works?

So i need to contact the 3 credit bureaus or the credit card company?

yochiek93 · « **Reply #2303 on:** January 28, 2016, 11:07:30 PM »

Quote from: palm tights on January 28, 2016, 11:03:31 PM

Calling on the phone also works?

So i need to contact the 3 credit bureaus or the credit card company?

The credit card company

David Smith · « **Reply #2304 on:** January 28, 2016, 11:10:08 PM »

Quote from: palm tights on January 28, 2016, 11:03:31 PM

Calling on the phone also works?

So i need to contact the 3 credit bureaus or the credit card company?

The creditor. A request in writing usually works better. Ask an credit boards who to contact and how. They specialize in credit repair. You'll do better there than here with this issue.
Prepare a respectful letter or email, explaining that you try to be a loyal customer and really appreciate their institution, that you made a mistake which caused this minor late payment, how it won't happen again, and this is negatively impacting you, so can they do you a one time goodwill gesture and remove it, and you'll be extremely grateful.

bluesky · « **Reply #2305 on:** January 29, 2016, 04:54:52 AM »

When fraud charges brings my balance over 30% utilization, will that affect my credit score? They said they freeze the disputed amount.

D93 · « **Reply #2306 on:** January 29, 2016, 05:29:26 AM »

Quote from: Mendelssohn on January 28, 2016, 06:20:56 PM

It reports as $0.

Thanks.

newdealseeker · « **Reply #2307 on:** January 29, 2016, 10:15:56 AM »

Quote from: Mendelssohn on January 25, 2016, 06:11:28 PM

DCU gives you a free EQ score and PSECU (not open membership) gives you EX. Those are the only places to get those scores for free.

FYI ignore the people on MF that say the PSECU score is EX 98. They are wrong.

How often can you get an updated score?

Mendelssohn · « **Reply #2308 on:** January 29, 2016, 11:32:40 AM »

Quote from: newdealseeker on January 29, 2016, 10:15:56 AM

How often can you get an updated score?

Once a month.

Today is the day DCU gives the free score (last Friday of the month).

CS91 · « **Reply #2309 on:** January 29, 2016, 03:06:36 PM »

Called EXP to get an Amex AU removed and just got the results and it says "updated" and the account is still on my CR. I clearly told them why I wanted it removed, and this is the second time I requested that it be removed (the first time, it came back as "updated" too). Meanwhile, EQ and TU got it removed. Anyone here ever experience this?

palm tights · « **Reply #2310 on:** January 29, 2016, 03:58:32 PM »

Quote from: David Smith on January 28, 2016, 11:10:08 PM

The creditor. A request in writing usually works better. Ask an credit boards who to contact and how. They specialize in credit repair. You'll do better there than here with this issue.
Prepare a respectful letter or email, explaining that you try to be a loyal customer and really appreciate their institution, that you made a mistake which caused this minor late payment, how it won't happen again, and this is negatively impacting you, so can they do you a one time goodwill gesture and remove it, and you'll be extremely grateful.

Thanks for help

Where is credit boards or is it a thread on dans deals or another website?
Thanks

ya · « **Reply #2311 on:** January 29, 2016, 03:58:58 PM »

Creditboards.com

TimT · « **Reply #2312 on:** January 29, 2016, 03:59:53 PM »

Quote from: palm tights on January 29, 2016, 03:58:32 PM

Thanks for help

Where is credit boards or is it a thread on dans deals or another website?
Thanks

Totally different site

CS91 · « **Reply #2313 on:** February 01, 2016, 02:45:26 PM »

Have 3 separate student loan accounts that are 5, 4 and 3 years old that for some reason don't show up on my CRs. Haven't made any payments yet but that's because I was able to defer all of them interest free so they're all in good standing. Do I want them added to my CR? They would raise my AAoA, but already have 3 other student loan accounts on my CR right now.

CS91 · « **Reply #2314 on:** February 02, 2016, 10:50:15 AM »

Not sure what I'm doing wrong, but as many times as I dispute my Amex AUs on my account, EX and EQ won't remove them. Apparently every time they go to Amex and request that it be removed, Amex tells them no because the card has my name on it.

Mendelssohn · « **Reply #2315 on:** February 02, 2016, 12:30:11 PM »

File a complaint with the CFPB.

CS91 · « **Reply #2316 on:** February 02, 2016, 12:44:52 PM »

Quote from: Mendelssohn on February 02, 2016, 12:30:11 PM

File a complaint with the CFPB.

Against Amex or CB?

Mendelssohn · « **Reply #2317 on:** February 02, 2016, 01:06:42 PM »

Quote from: CS91 on February 02, 2016, 12:44:52 PM

Against Amex or CB?

The CRAs.

Zalc · « **Reply #2318 on:** February 02, 2016, 03:22:13 PM »

Quote from: Mendelssohn on February 02, 2016, 12:30:11 PM

File a complaint with the CFPB.

Thanks!
I've had the same issue... Form is here
What to I say?

Which of these does it go under:

Information is not mine

Account terms

Account status

Public record
Bankruptcy, judgment, etc.

Reinserted previously deleted information

yochiek93 · « **Reply #2319 on:** February 02, 2016, 03:26:50 PM »

Quote from: Zalc on February 02, 2016, 03:22:13 PM

Thanks!
I've had the same issue... Form is here
What to I say?

Which of these does it go under:

Information is not mine

Account terms

Account status

Public record
Bankruptcy, judgment, etc.

Reinserted previously deleted information

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Author Topic: credit score (Read 841262 times)