1st Premier Credit Card Collection

Feb 282010
 

I had a 1st Premier CC back in ’04. Went into collections and paid it off in 2006 directly to 1st Premier. Received the paid in full letter which also said they would remove it from my credit report via fax. A year went by and I never bothered to check back on my credit file. Once I did I found the listing still on my credit report. I’ve disputed this listing multiple times with no success because I could never find the letter from them. Called and they “had no record” of their letter and wouldn’t budge on removing the listing. At last, I have the letter in hand and plan dispute this again, this time with valid proof. No big question here, just wanted to list my rant of “Thank God” for saving documents. Even know it took me 4 years to find it.

Licensed landscaper will get your new garden started right

Feb 282010
 

Beshear: Toyota, “A Friend to All Kentuckians”
Kentucky Gov. Steve Beshear had the chance to meet briefly with Toyota president Akio Toyoda while the auto executive was in the state to visit the Georgetown plant that manufactures the Camry.

Read more on WSAZ NewsChannel 3 West Virginia

Dishonest auto dealers to be named: province
The Manitoba government is promising legislation by the end of summer that will allow the identities of dishonest auto dealers to be exposed.

Read more on CBC Manitoba

Jamie Court: Jerry Brown Gets Ballot Label Right This Time For Mercury Insurance Poison In CA Prop 17
California Attorney General Jerry Brown has issued his final ballot label for California Proposition 17, the Mercury Insurance-financed ballot measure to surcharge those with lapses…

Read more on The Huffington Post

Licensed landscaper will get your new garden started right
Even if planted to the proper depth in a mound of soil, the mountain itself is exposed to sun and wind that will dry out the roots of your new plants, stressing the plant until death do we part.

Read more on The Cincinnati Enquirer

How do I find someones insurance information?

Feb 282010
 


I was hit by a vehicle in a parking lot to 11. Did not give me their information assurance, and has since declined. When the incident report submitted to the DMV and I have both the city police, said they could not get my message when I called my insurance company, they said (they) need to contact the people at the companies insurance (I was just as basic insurance law). How do we know that their information assurance? If I just brought in Small court?

Waco community banks aren’t worried by warnings of commercial mortgage risks

Feb 282010
 

Solid recovery number expected in Q4 GDP report
CIBC World Markets economist Peter Buchanan is forecasting GDP growth of as much as 4.2 per cent, citing improvement in exports and a hot residential-construction sector

Read more on MalaysiaNews.net

A jagged recovery, risks remain
NZIER (the New Zealand Institute of Economic Research) today released its March 2010 Quarterly Predictions – a comprehensive commentary on the New Zealand economy and forecasts covering the next five years.

Read more on Scoop.co.nz

U.S. MBA Mortgage Applications Index Decreased 8.5% Last Week
Feb. 24 (Bloomberg) — Mortgage applications in the U.S. fell for a third consecutive week as demand for loans to purchase homes and refinance declined.

Read more on Bloomberg

Waco community banks aren’t worried by warnings of commercial mortgage risks
Feb. 24–Waco’s community-based banks will be able to weather an expected national surge in commercial foreclosures that federal officials say is bearing down on smaller banks across the country, executives said.

Read more on Builder Magazine

Equifax Dispute – 30 days or 45 days?

Feb 282010
 

Long story short:

1. I pulled my free Equifax credit report and also paid for my Equifax report on the same day.

2. I disputed an account on my Equifax report using information from and copies of the report I PAID for – I used nothing from the free report for the dispute.

3. Equifax failed to respond within 30 days. I asked Equifax to remove the disputed account.Equifax responded stating “Your dispute with Equifax was done within the time frame.”

4. I complained to the Office of Consumer Affairs, Equifax responds by stating “Under Section 612 (a)(3) of the FCRa, Equifax is given 45 days to complete an investigation on disputes made after a consumer receives their annual free credit file.”

 

The FCRA definitely uses the word “receiving”. However if I also PAID for my report, and used information & copies of the PAID report for the dispute, does Equifax still get 45 days? 

 

Thanks for reading this! 

 

Late Pay Reporting

Feb 282010
 

I have exceptional history since a bankruptcy in 2004. I have noticed that along with the bankruptcy record lowering my score, several accounts in the bankruptcy still show as ‘late payments’, which is also affecting the score. Should these still show as late pays when they are included in the bankruptcy?

APPROVED – PENFED (details included)

Feb 282010
 

 

I got approved for their Platinum Cash Rewards – a.k.a. "gas card".

They give 5% back on gas purchases. :smileyhappy:

 

An offer was put in on my behalf for 7K by the representive over the phone walking me

through the application, and the loan officer counter offered with 4K. EQ FICO:733

 

This is my second card approved within the last week. I only have two inquiries on my report this year, the first being from Navy Federal.

I don’t carry any balances on my cards, and I don’t have a mortgage or auto loan on my report. Gross Income: $3030

 

 

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