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I bought it at a garage sale, the man had gone through a break-up and was selling all of his girlfriend's possesions for CHEAP

who cares???? as long as it is pretty, rich girls prancing around in you stupid Hollister clothes and your stupid $100 purses

does anybody know of any stores that still have it?I've seen them have it at nordstrom beforeif its out of season then you probably wont find it in stores

By the way, you can buy a Coach for under $125

the secret word is AUTHENTIC?there are so may frauds out there be care-full go to NOSTRUMS,ROBINSON MAY,SAX 5TH AVE

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Please help if you have any experience in this type of thing

There are several ways to improve your credit score in just a day, or even hours

Bag-a-Bagwell none of them will really work, no offenseWell if you want really nice brands, I believe Louis Vuitton, as well as Gucci, etc

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the fabric is soft and all

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oh god!!!! you cant make me chose,lol

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STOP SPAMING THE BOARDS!!! its not right, those bags are fake ok!uhm

(Also I have a stain on my dress, too so any tips for that would be appreciated)

The third is a bit boring, maybe another color

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coach is always fashionable and i love it

I want a handbag that is slightly edgy, but still very elegant

its on a silver chain and its sorta a tag that says coach on it

Are you looking for leather? A tote? Satchel? Most XO bags are leather or pleather (not top quality, mind you)

Also, my "C's" are perfectly straight and lined up

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Why would my pg score be lower now than it was before when this tradeline was reported by RMA? PG score was reporting 588 as RMA, same dollar amount diffrent company reporting as 553? I know PG is not near correct but wow!

Once it has been established that a account has been included in a bankruptcy, it is the responsibility of the CRA to protect that information.

That does bring up another question with regard to EX. Does their 30 days begin with receipt of the first letter or the next letter I send?

dispute arising between you and PG will be submitted to arbitration in the State of Connecticut in accordance with

I'm getting NOWHERE with Experian at all.

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Despite the warnings from you guys, I desperately need a pos TL and I thought I would apply for the Capital 1 secured card. :roll:

let the kids do their own little fund raisr. ideas would be make bead or cord kid jewelry and sell to their class mates seems you have access to a pc, let them start their own kid newspaper and sell advert. space to kids that want to sell their stuff, like toys, bikes etc. could be a good business lesson for the kids as well. kids know what kids like

Will this effect my score or my disputing of information?

I've disputed numerous accounts on all three bureaus. I've seen only one change on TU. Now I understand they have 30 days to validate. Does the longer delay mean they are actually verifying, sitting on it, or not doing a thing? I had at least 4 disputes in the letter I sent them. In everyones past experiences, how long does it take to get the changes made or to get a verification letter in the mail? Thanks

That happened to me, too, and I'm happy for you..though have to say that they got bizarre after that..nothing I do is good enough..even 1 1/2 years of ontime payments..go figure..hope it's completely different for you!

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Ok, so it seems that it really doesn't matter whether or not I'm paying interest-only right now... I might as well be since just about everything's currently going to interest.

"While we empathize with your situation, Sallie Mae Servicing is unable to retract accurate information that was reported to the credit bureaus. The delinquency that was reported to the national credit bureaus for student loan account is accurate. This information will not be removed. If you have any additional questions, please contact me at XXXXXXXX."

A lot of people thought there were hards being put on eq as well...it turns out that this is all it was.

"IF" you have GREEN you can call for an UP-GRADE to GOLD at any time...they will also send junk in the mail for UP-GRADE...

i also want to request that they not sell my account to someone who is licensed.

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you could sell it on amazon or sell it to a person you know that wants the purse

money and a bunch of Receipts a few note cardsi like a certain type of handbag that already has pomeranians on it

My aunt bought me a Louis Vuitton purse about a month ago, and i'm trying to figure out whether it's real or fake (she's pretty rich, so it wouldn't surprise me if it's real)

If you find you got a replica and it was advertised as authentic you can get your money back if you used paypal

like outlet Chanel stores?the ony way they are real is if on that tag (and it has to be leather) there is a number

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Spray the Zout onto the strap, allow to 'sit' for a couple hours, then toss into the washer with a couple of small clean hand towels

They are handpainted and definitely draw attention to anyone who carries one

That's what my Religion class teacher told me

and you can mark it down from there

I agree, its ok to have it in your purse, i have a small travel size in my purse just incase i forget, or someone i know forgets

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TRYING TO FIND SOMEONE THAT WILL DECLINE YOU FOR CREDIT IS NOT ACTUAL DAMAGES. UNDER THE LAW IT IS CALLED FRAUD.Sorry, as an attorney I would disagree. It isn't fraud. It is trumped up damages, and mightn't sit well with a jury, but it's not fraud. And of course I have a duty to mitigate my damages. If I'm trying to do a deal that would make me a $1,000,000 profit, and I face a half-percent difference in my interest rate because of a derog and I drop my deal becasue it's going to cost me a few thousand extra bucks in interest, my damages are not $1,000,000, they're zilch. My remedy is to do my deal, pay the extra few thousand bucks and then sue the CA or CRA that messed up my report.

Well, it's close enough I reckon ! :wink:

Sounds like it could be an interesting book, I would like to read it.

On GM, you can pay online anytime through the month. Make sure to use this, as they can't claim it wasn't received.

Alot of people say soft inquiries don't count for anything, but I have proof they do :wink:........or at least they did on my report.

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I'm sure many folks come in here and tell a story just like mine, !

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some companies use the "excessive inquiries" reason as an easy out to deny credit.

Anyone else seen this happen? Any advise in dealing with FNBM??[/b]

Furthermore, they agree not to arbitrate any small claims action.

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--make sure they are well taken care of, there is nothing that detracts more from a look than worn out/scuffed shoes and bagsI have several designer bags

The thing is it's not even real leather! It's faux

Fendi is a fabulous choice! Other luxury brands you can try are: Gucci, Prada, Marc Jacobs, Christian Dior, Louis Vuitton, Moschino, Dolce & Gabbana, Yves St

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Want it to be small and thin

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Update: DH was on the phone off and on all day with the cc company. No one could find anything on why a hard inquiry was pulled and they all admited that it shouldn't have been pulled. I'm getting ready to fax a demand for deletion and $1,000 restitution for pulling our report with no-pp in the middle of us getting a mortgage and for possibly having lowered our FICO score. So, we'll see what happens.

And, Manequinne....you are an angel..thanks..your words always are so comforting!

My husband had a car that he decided to give back. They originally wanted to charge him the difference of almost 8-9 thousand. Then they gave it to a CA who is now offering a settlement offer of $6700 and ask for a deletion. Can anyone give input on this idea?[b]

This isn't definitive enough????????

2) The creditor decided to stop reporting to EX. That's their option.

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My Cap1 charge off on EQ changes from opened to closed on a weekly basis! I think it may be EQ making the changes. I did notice that when its listed as open my score goes down 6 points/closed it goes up 6 points.

I had an account that was IIBK on the report with a "closed by credit grantor" notation. I wrote them and explained that I closed the account and it should be noted as "closed at consumers request". They made a correction to the report. This is what they said:

I thought HHLD based approval on FICO and based limit on income... and my 2 year W2 income is almost 100k/yr!

please ignore hegemony's posts. as you can see i have already pointed out to him his unwarranted remark. actually, hegemony has caused more issues than bertha did. . .

My advice isn't to worry about your credit scores in the first part of the process. The FICO model is way too complicated to even predict accurately what will happen when little things happen, like one TL being deleted when you have 5 or 6 derogs.

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forget about trends - buy a decent CLASSIC handbag and it will last you for years and years and never go out of style

Basically the only place you can get those bags are the Fendi boutiques

I have two friends fighting their cases in court now for buying knocks off at the Alley (Santee Street) in downtown L

Mindless consumerism like this is ruining the world

you're not going to be able to get a free designer purse probably, you should ask for one as a gift, birthday or christmas, or buy a cheap knockoffthe best place for designer stuff is at this website

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I called American Pacific yesterday and spoke with Gwen. She was sort of shocked but advised that in the past month they have had more problems with the credit bureaus than they have had in the past 10 years. So all of you card holders double check your reports and make sure they are reporting correctly. if not, give Gwen a call. She said it will take about a week before she has an answer for me.

You may need to have your mortgage person do a rapid rescore. They can get this done and it usually can be done within a few days. It does cost to have it done, but I am not exactly sure what the cost is. Contact your mortgage person and see if they can do that before pulling your report.

I'll call Monday, thanks again.

Here's an old deposition that is reflective of the witch project and her mindset, or lack of mindset as the case may be It's better to talk with a rock, I say!!!!!!!

I recently consulted with an attorney about some violations of the Fair Credit Act. The attorney advised that I have a good case against Experian, MBNA, and Asset Acceptance. He wants to proceed forward with filing a lawsuit. His retainer agreement states that he is paid only if he makes a recovery. At that point, he would be entitled to 40% of the recovery or $300 per hour, whichever is greater. Does this amount seem excessive? Is it reasonable?

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I'm pretty sure this is some glitch. Unfortunately, the company in Atlanta that handles the accounts does not take phone calls. The 800# on the bill in only for automated svc.

Yep, she will be there and is looking forward to seeing you again. Is there something you two should be telling me?

Hmmm...is your attorney taking it "pro bono"?? lol!

Hi Delta and welcome!!!!!!!!!

I don't recall my score for the previous two; I do know for a fact when I initially purchased my home my scores were probably in the range of mid 500's; as for the last refinance, my average FICO was 721.

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promise, last post to the board tonight...anyway

If you stick with the credit repair most everyone will rack up enough violations to sue any of the CRA's. Just the way it is.

Since the acct was charged off and you did not make payment arrangements in writing to be applied to the OLD acct...there's nothing to reage. The DEBT was moved to a new acct and the DEBT will be affected by the SOL, due to the fact you made a new account and agreed to pay the debt via a NEW account.

I can drive from NY to MD is about 3 hours, there's no reason it should take a few days for mail to be delivered.... I also don't think it was the postal service at fault.

Them: No it doesn't appear we have one for the consumer

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You can order a Chanel bag over the telephone (if you know what bag you want) by calling Chanel or Neimans

It's cool too because everyone knows weather or not it's coach

I really would love to learn if anyone knows how to tell a real Chanel purse from a fake

I let her bags and her shoes alone

trust me, I did my research

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But heck if you're giving it away, I'll take it

I forgot to mention please give a website nameif youre short on cash try thrift shops and the salvation army, people donate all ranges of quality and you might find a beauty for just a few dollars

Best wishes:)I have been sick

You may, if you know your stuff, be able to find one occasionally in a thrift store or at an estate sale

They are status symbols, and there are enough people willing to pay those prices just to show the world they have a genuine "whatever"

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And the company went out of business, so I finally took the page down - it served its purpose.

"this call is being placed to validate this phone number. thank you for your time."

I just got served today for a collection for $800 w/ Alliance One.

Ahhhh so you merged a couple of posts without warning or indication that you were doing so. 30 seconds in the penalty box for that one

Thanks Dixie. Discover hasn't reported anything since the charge off in Oct. Will they come back and do so, or do creditors usually stop reporting once they issue the CO? How soon should I dispute as not mine, or should I still try to say they are duplicate accounts and the charge off is not mine! And how soon does Discover wait until they come after you? My balance isn't that high, only 1800. Thanks

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If it seemed to good to be true, it was

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The 7-number serials were phased out beginning in 1994, and replaced with an alphanumeric serial which had three digits representing the factory, year and season, and after the hyphen, the four digit code for the bag model

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My parents brought me back a purse from Mexico made with folded candywrappers

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so you did something illegal and now want us to get your wallet back?someone tries to harm you

well only for birthday and christmas

the secret word is AUTHENTIC?there are so may frauds out there be care-full go to NOSTRUMS,ROBINSON MAY,SAX 5TH AVE

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: )Coach is sold at the Holt Renfrew in Vancouver

It was identical to her mothers bag

:) i mean what if someone u know can tell the authenticity? surely u wont want that kind of situation?yes that is real, i think the fake ones have a P and C inscription or something

the other combonations dont mixI have a tanning salon and boutique that I would like to sell good quality designer inspired handbags

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one of the drawings was a cheetah or probably a tiger !! i've seen this b4 but i just cant figure out wich designer brand is this ! so can u help me !I'm going to China in a few days

but without knowing where you live, that's your best bet

Uh, the link you provided basically crashed my computer

However, the store acted appropriately and you CAN be searched exactly as they did

It says Made in China, it still could be real

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Experian is refusing to investigate late pays on a closed account so I got a letter from the creditor showing how it should be reported and need to send it to Exp to get this updated. Anyone know where to send it to? I can't find it anywhere and I can't call. Thanks for the help.

Your tax dollars at work making the highways a little bit more unsafe.

All opinions appreciated. :shock:

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indiana, was that about the interest rate that you were quoted?

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Can anyone tell me where I can find this magical number?

I feel these should be higher but I could be wrong.

They didn't give me any hassles. AND - within a month - they sent me a check for the entire amount.

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The student loan information popped up this week after being supressed. They are showing that 3 of the 8 accounts are currenlty past due 90 days & that I was late March 2003. I actually consolidated these loans 2 years ago, so the past due information shouldn't be too hard to get updated. In the worst case scenerio I was thinking I could get a letter from Sallie Mae for the lender. Should I actually wait until the investigation is complete, or would that really make that much of a difference? I doubt my TU score will go above 682 after it is updated.

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Thanks brianboy, i'll follow your advice. Any thoughts on the second question- when deleating old addy's i will give my n.c. addy but do i say i never lived at any of the addy's listed on my CR?

1 open tradeline; currently 30 days past due

GoreyGirl, I don't know if this applies to you or not, but if you are on some sort of disability, there's a good chance one can be provided for you free. I have one and it didn't cost me a cent. I'm a disabled veteran and the Veteran's Administration provided it to help me get some sleep.

Last MyFico pull of 2003:

All I saw was that they couldn't do anything because she didn't give a clear dispute reason.

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I will only award the points if I find out where to get it or what brand it is

hehe post in that thread girl! my post is lonely :( ;)

How can I tell??Well, if your grandmas rich, I don't think she'd buy you a fake one

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I think it's a cute purse, but the shade is a little off

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A very kind person had found it and handed it in

You can check the material and the quality

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i still have the original 225 dollar price tag and registration card

Anything else I'm missing?A book, some cash, and if it is a long flight you might want to bring a sandwich or snack, as most airlines do not serve meals in coach any more

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Any advise is appreaciated

Mine in lined in a canvas like fabric

i think a real Chanel purse could be for a middle aged women

All the payments to trainers, handlers and the whole entourage

Trade it in for a cuter (non) hoochie purse

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Pam, if you're afraid of the consequences of devoting an entire forum section to legal-ease, why allow any of it? It's all the same whether it's scattered across forums or organized into one.

do you bleong to a credit union? or can you join one.? check and see. that might be a good place to start out too.....credit unions are a little more willing to give you a unsecured card...start ya with a low limit. and if you have an baddies..you can usually talk your way out of it..

The FCC argued that the rule was a response to consumer demand and does not treat the landline industry unfairly. The commission said any disparities were due to existing technology and the local phone companies "will generally be free to win back any customers."

If ya have other Citi products, Id say got HD...if NOT, go Lowes

accounts and if you meet the qualification criteria, you'll get the new cards with no impact

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Be careful - you should be simply sharing your day with friends and family, not taking in a "haul

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You'll be self concious at first, but then it will feel normal

that are reasonably priced

is there a site on which I can at least look at the bags and see the prices???ebay or even just try typing chanel online to see what u come up withwww

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in New York City, the whole street is filled with every fake you can ever want - you can also look on ebay and find people selling them most of them say they are authentic when they really arn't so dont pay a high price for a fake bagUnfortunately, they're all on overstock

The company, originally known in Italian as Fratelli Prada ("Prada Brothers"), was founded in 1913 by Mario Prada

BUY IT! YOU'LL LUV THE ATTENTION!why not buy a purse at wal mart, and pay a bill with money saved?except for 183 i think 110 for them is a great deal like a steal buy itSure =) Their all really pretty

of course they are really expensive

If you want to go the ebay route just make sure that the bag is authentic

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this is also why i asked what loan tyee was better for construction.

Hey dog, I just got financing with WFS for my husbands new truck. How have they been to you so far? Any problems? They seem pretty stable and from what I've heard from my salesman, they are a good company. What do you think?

What you should do is send validations to the ca's cert mail r/r/r and when the green card comes back, dispute with the cra's as "not mine".

Earlier this month, at a lunch in San Mateo, Calif., for retired public employees, Ms. Sherry asked, "How many people know what they weigh?"

This whole thing just has me so pissed. I was THIS close to having scores close enough to qulaify for a mortgage when this thing popped up- cost me 32 points!

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Any less is considered horrible feedback

if one of my friends ever fucked up one of my chanel bags, i'd be pissed!secondly, try using a bleach pen on it, since it's white

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hope i helped =]Louis vuitton is really easy to spot a fake

How would I know for sure? The quality of the materials and craftsmanship is exquisite, but there are two differences between my bag and its counterpart advertised online

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Are we having fun yet ? :twisted:

that's how i found out about my approval --- then i called them up.

I fired the clients you referred to above because she insisted on continuing to work with you. She thought you sounded like such a nice guy when you called her. I don't work for people FREE OF CHARGE to have them waste my time. I don't even take their money when I consider my time wasted. Apparently, my clients realized that you were not a good choice eventually, and they did dump you after all.

I used to hear that if you put 20% down payment, they dont go by your credit...is that true? Not really, though there are lenders that will only look at rental/mortgage history and ignore everything else.

The mortgagee is definitely not required to accept & process biweekly payments as if you had a biweekly mortgage.