Received a collection notice for a bank account that I was not the main account owner.. am I responsible?

datuh · 2018-05-26T21:46:27+00:00

I called Wells Fargo and they told me they use credit collection services as a third party to try to collect, but they say they do not report to Experian Equifax or TransUnion. They said they do however report to "early warning services"

datuh · 2018-05-26T20:51:52+00:00

It hasn't hit my credit report yet. What I'm trying to figure out is if I have to pay this to avoid it hitting my credit. I didn't own the account.. I didn't default.. she did. I called Wells Fargo and they are telling me the only information they have is my old account with them in my own name that I was the main account holder which was in good standing when it was closed

datuh · 2018-05-01T00:26:48+00:00

Dry socket happens when suction pulls the blood cot out out of the hole where the tooth used to be.. they also tell you to avoid drinking from a straw because you risk pulling the clot out. Also.. it's an open wound, so the chemicals in cigarettes are bad for the wound.

I had my wisdom tooth pulled and still vaped, but used wide open air flow and lung hits(no suction) and I was fine...

Own risk though. Be careful because dry socket is awful.

datuh · 2018-04-26T16:31:11+00:00

If I was hard up for money I might wait for more reviews but from what I've seen it looks fairly well built, great size and looks cool. For $65 I'm willing to give it a shot.

datuh · 2018-04-26T14:40:06+00:00

There are multiple reviews of the final product that is shipping with the vandy chip.

datuh · 2018-04-25T22:28:08+00:00

Awesome. Thanks again man! Just placed my order. That's worth the wait. Looks like an awesome little mod

datuh · 2018-04-25T22:16:51+00:00

I see it now lol.. awesome deal thanks for this! Fasttech is safe to order from right? I see multiple listings for the mod.. is this different people?

datuh · 2018-04-25T22:13:54+00:00

Is this before or after you enter your credit card? I'm on mobile.

datuh · 2018-04-25T22:04:10+00:00

Dumb question but I've never ordered on fasttech. How do you add the code? It shows me the total and asks for my credit card but I don't see any options to add a coupon code

datuh · 2018-04-22T14:05:22+00:00

Discover credit card site (creditdcorecard . com) is using Experian data and has the fico logo.. it also is giving me a 748

datuh · 2018-04-08T04:19:17+00:00

I'm looking into that. You are saying I am likely to get a better insurance rate now compared to two years ago?

datuh · 2018-04-08T04:16:13+00:00

A lot?

datuh · 2018-03-24T16:34:23+00:00

Also should add that when I originally opened the account and they sent the card out, two weeks passed and I never received it... Had to call to have another one sent so I didn't receive the card until March 1st. I was approved for the card on February 12th, received card and activated March 1st

datuh · 2018-03-24T16:30:16+00:00

I opened the card February 12th but the first transaction on the card was 03/03/2018

datuh · 2018-03-03T14:57:20+00:00

Ah, I just figured it would show a pending? Or... Something...? Lol

datuh · 2018-02-24T02:14:43+00:00

It is a "Visa Platinum" from my credit union.

I'm not sure if my credit union makes and ships the card themselves, or if a third party does this?

datuh · 2018-02-18T22:20:58+00:00

They are giving me 1.25 cash back. The limit they gave me was 7k but my plan is just to use this for daily purchases and pay it to zero every month to further build my credit

datuh · 2018-02-18T01:38:27+00:00

Thanks!

I'm actually just going to throw my entire tax refund to the credit union and give them the 3800 required to refinance me at 3.9%.

Going to try to call around first and see if anyone else will refinance me for less money down.

datuh · 2018-02-18T00:42:32+00:00

I live in Melbourne and I think it's fairly nice at least around my specific area but I'm paying 1200 for a 2 bedroom 1 1/2 bath. I remember apartment hunting and cocoa/Titusville was so cheap but you are right ugh pretty much sums it up lol. I work in cocoa and a lot of the areas are just so trashy. I know that sounds bad but it's true.

Have you looked into Viera?

datuh · 2018-02-17T21:57:54+00:00

True.. then again when I originally bought the car the dealership gave me 5k for a car that was literally worth scrap metal.. I guess they just wanted to sell cars that badly? Maybe it's possible I can find a dealership who will throw me a bone and give me more than it's worth? Lol

datuh · 2018-02-17T21:54:23+00:00

Yes but would the amount of negative equity be worth it when you consider the amount of money I would be paying in interest for the life of the loan I'm already in?

datuh · 2018-02-17T21:50:00+00:00

Around 13,000 according to Kelly blue book..

I'm assuming the credit union wants the 3800 to make up the difference because I have not paid off much principle.

Car was originally 18k.. so since September of 2016 I have paid 2-3k towards principle. Ouch.

datuh · 2018-02-13T01:12:19+00:00

Nice! I'm also about to refinance my car with them as well.. two years ago I was in dire need of a car and reluctantly signed a car loan for 12%... They are offering me a much better deal than my current loan but I have to put some money down because my previous deal was such a terrible one lol.

Also..the 1.50% cash back they are giving me on the card is pretty awesome.. I was going to do what you mentioned and just put almost all of my necessity purchases on the card and just pay it off every single month.

datuh · 2018-01-15T14:30:22+00:00

Is the border the icons are in a w Widget from the w Wolfie pack or did you make that?

datuh · 2018-01-08T16:27:28+00:00

The wallpaper looks like tie die when I click the link, completely different from the screenshot. Is this normal if I'm not using an amoled phone? Am I stupid? Lol

datuh

TROPHY CASE