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Posts posted by fedtrouble


  2. Congrats for getting this done but if you went for a mortgage they would still find out you had a bk. They run their own search outside of a credit report








    Every bank requires a bk search from every title company








  4. The information available to the public is redacted. The original paper documents are stored at a storage facility in a relatively short period of time. This problem was addressed by the courts a few years ago after the records became available online and were then stored in other companies' databases and sold. Anyone could look you up, find where you lived, SSN, everything - so they changed how they stored the info and how it could be displayed to the public.




  5. I was instantly approved for a Target Card while shopping at Target.


    However, they have issued me a temporary credit limit of $200. According to the receipt, this a temporary credit limit and a final credit limit will determined after 11 days.


    Will this be my limit or will I be given a higher limit when my card arrives?




  6. so I had to file a motion to seal all documents which I filed with the court.






  7. Can anyone tell me what this letter from CMI suppose to mean? dntknw.gif


    "Our office has reviewed the above-referenced account and we have made the decision to discontinue our collection efforts.Rest assured that any information regarding this account that was reported to the credit bureaus by this agency will be corrected"



    Evil CA


    Do this means they will remove the TL?




  8. You still can't lie about having a bk. The record is still there, so if the question comes up in some kind of application for a job or insurance or something, you have to be honest about it.





  9. Yup.



  10. If I have previously disputed my bankruptcy saying that something on it was incorrect and please verify the information and it came back verified, would me now saying that the bankruptcy belongs to someone else prevent this from working?




  11. HeyGuys/Gals,









    First: I opted out.













    “Dear Clerk,





    Robert Smith”

    The reply letterfrom the Clerk stated:



    Mr. Smith,






    Clerk of Court”





    “Dear XXXX,






    Robert Smith”








    Good Luck!










  13. Ordered my lexis nexis full disclosure report yesterday. I'm interested to see what's on it. I also successfully disputed old out of state addresses from EQ and TU although EX won't budge. I believe that if I was to start disputing old debt (IIB) that it would come back verified as the CRAs would probably check LN. However if somehow in the future I misplaced my wallet and file a police report stating that it's lost I could then freeze LN and CRAs could not verify.... correct?


    If only I was more forgetful and clumsy.




  14. or is it wiser to wait 30 days to let them figure out my address disputes?



    Equifax I am not sure if they are going to delete any of my addresses, because when I attempted to do it online... it said that they had a record of that address being on file at one of my tradelines...the requests were submitted, but I doubt it's going to work.



    the other two worked fine, and I'm awaiting confirmation as to which were deleted.



    in any case, is it find to send out my first batch of DV letters for two chargeoffs, and also the 1/2 punch for a medical charge off I have?



    thanks cb.com, you guys are great



  15. One other thing. Even though this debt originated in Michigan I assume since I live in California now that the SOL is based on California law and not Michigan right? Therefore this might be considered a zombie debt. I hope so!!



  16. do not dispute as "not mine"


    instead state "authorized user only, not responsible for account. please delete"



  17. I went into my local credit union to get a secured card. She ran ChecSystems and low and behold there's a negative report for a bank account last year that was paid. Now she says I an get approved for membership if I get a letter from the bank saying I paid it, but she can only give me a secured loan, not a secured card. How do I fix this?








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