KeesdeWit

Checking credit score does not change your score.

Why Why Why would you want a car loan? Stop monkeying with the credit scores.

Save up and pay cash. Never finance a depreciating asset.

Pay or settle this debt.

Yes, use the credit score report card.

Yes, of course. Why would you want to pay interest to the bank every month?

How do you know it was unauthorized?

Rental properties are a high risk for the banks. Do not expect low rates and good terms.

Sell one and pay off the loans on the other. Go to a cash based business (no debt !)

maybe.

Instantly, if you have entered the correct information to identify yourself.

Loans are not going to fix your problems. It just moves it around. you need a plan to get out of debt fast.

(budget, cut lifestyle, stell stuff, extra jobs)

Well, they can sue. You must respond and use the SOL defense in court.

(to attach bank account, they must win in court and get a judgment against you. They can not garnish social security checks directly. Mingled funds in a checking account is a different story)

Pay it off. Get serious. Cut lifestyle, tight budget, extra jobs, sell stuff, stop charging to the cards.

You are the solution. Not some company that will take your money and do nothing for you.

Why do you want more? There is no need to have more.

Why do you want more credit cards?

Having many credit cards is not a measure of success, it is a measure of praying at the FICO altar.

You should stop this silly game and start thinking income, assets, career and success. Who cares about the credit score? I don't.

Why come out of the lime light? Why do you want debt ?

I would stop playing with Cap One and stop playing the credit score game.

Credit scoring is a crystal ball.

Who cares !

In most cases a rip-off for the consumer.

(You are reducing the equity in your home at a high cost.)

Vantage score is just another way to confuse consumers.

First you must report it to the police, and get a police report.

Then you have to contact the creditor and let them know about the fraud and they have to remove your name.

Pay. (No bill does not mean you do not owe it !) You woke up the sleeping giant by disputing it. (If you dispute, the credit agency will contact the creditor to verify)

Save up a 20% downpayment, pay on time on all your bills and apply for a regular underwriting mortgage (and not the FICO monkey lending)

No, it will go down. You will get another hard credit inquiry.

(Pay it off and get out of the land of payments)

Yes, but for what purpose?

You knew you bought stuff, you knew there was going to be a bill. You did not update your contact information.

What did the CC company do wrong?

You are playing with snakes and got bitten.

Pay cash or with debit, then you do not have to worry about this anymore.

Credit card? More debt?

How about a cash life for awhile?

Your credit is ruined for several years. (Why would anyone loan you money, if you are not going to pay it back?)