A client who needed to re-establish credit just received his new Orchard and Capital One cards with $300 limits. [Added 9/2/11: Another client who filed for Ch. 7 bankruptcy 6 months ago was approved for a $500 Orchard card, Purchases APR 14.90%, annual fee $19. Capital One did NOT have anything for him and there's [...]
CreditFactors Services
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Recent Posts
- Complaint to NM AG: debt buyer interest charges while account NOT owned
- The new Experian payment history legend, Verizon bizarre reporting and Experian incorrect verification
- Capital One purchased HSBC (Orchard) – will they continue to offer BOTH cards?
- 4.25% 30-year fixed rate FHA mortgage with several UNPAID collections
- Part 1: Trans Union FICO score 738 with two charge-offs
Categories
- After bankruptcy reporting (3)
- Analyzing myFICO reports 101 (4)
- court ruling (2)
- Debt buyers (3)
- Debt Settlement (1)
- Experian refusal to correct (1)
- FICO scores (4)
- FTC Complaint (1)
- General (4)
- Illegal collection practices (3)
- Mortgage lending (1)
- Proposed Legislative Changes (2)
- Restablishing credit (1)
- Systemic violations (8)
- Debt buyers fraudulent interest charges (1)
- Experian lates AFTER charge-off (2)
- Experian MISSING date of first delinquency or charge-off for ALL collections (1)
- Experian MISSING date of first delinqueny / charge-off (2)
- Experian refusal to investigate factual disputes (1)
- myFICO Equifax FICTITIOUS late payments (1)
- Student loan balances higher than high credit (2)
News Releases and Open Letters
- 2/26/07: Open Letter to Fair Isaac Regarding its Addition of FICTITIOUS Derogatory Data to Credit Reports and Sale of Defective myFICO Reports
- 3/7/06: Notice to Arizona Department of Financial Institutions of First Magnus Financial Corporation Payments of Illegal Kickbacks (RESPA) And False Advertising (TILA)
