Hello All! On 3-11 i pulled my free EXP & purchased my score (628). On 3-22 i decided to go with the 3 in one monitoring deal for 15.00 per mo (x2) way cheaper than the other route. Anyway, my EXP score went down 50 pts. & hubby's in 10 days. TU & EQ were about the same. A BOA acct is in good standing on EXP report but showing co in july 05 on EXP 3 in one. Got asprin? This is not the reason for the drop in score as EXP is not reporting BOA on my CR. I haven't found the reason yet. I'm just wondering why the reports are different for this acct they are both from EXP just 10 days apart.

Hi guys, I'm sorry I haven't been around much this week. I was a bit shaken from all the posts the other night but I'm doing better about it. My dog went missing on Thursday and we found him yesterday morning. He was badly injured but he will be okay. It turns out he got hit by a car and has a broken leg. I haven't had this dog too long so we are still working on the trust/bond stages of our relationship. He is home now and sleeping comfortably. I'm sorry if I don't respond to all of your pm's or the posts on the forums.

From the Illinois General assembly website (Illinois Compiled Statutes, ILCS) http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=2323&ChapAct=815%26nbsp%3BILCS%26nbsp%3B305%2F&ChapterID=67&ChapterName=BUSINESS+TRANSACTIONS&ActName=Automatic+Telephone+Dialers+Act%2E Quote:

(815 ILCS 305/15) (from Ch. 134, par.   All collection costs” does not mean attorney fees lcw731@gmail.com 19 years 5 months ago Found this interesting article at isba.org/sections/Generalpractice/1-2-06.html while looking for information on restrictive endorsements. This site belongs to the Illinois State Bar Association, so check your own state laws to see what the specifics maybe in your state. [quote]All collection costs” does not mean attorney fees By H. Allen Yow Attorneys drafting promissory notes, contracts and other written instruments must clearly articulate the rights, obligations and liabilities of the parties involved.   Debt Consolidation anonymous 19 years 5 months ago I am not looking for debt negotiation but debt negotiation in which I consolidate 3 big debts into one payment for easy management and for building my cash flow.   Interest Rate anonymous 19 years 5 months ago At what rate do you charge?   Effect on credit anonymous 19 years 5 months ago What effect does debt consolidation have on your credit? Obviously, I don't have an ideal credit situation since I'm here asking this question, but here's my problem: I have a great deal of debt (about $32,000 between 3 credit cards and a student loan), but I'm never late on payments. It's just that I have ALL THIS DEBT, and making the minimum payments, I'll never get out. My credit rating actually isn't that bad; it's just my debt/income ratio that's bad. Is debt consolidation right for me? Will it make my credit score worse?   Oops! My greatest moment in stupidity... lionessofgod1@yahoo.com 19 years 5 months ago Hey guys, Just wanted to vent a little over the massive brainfart I had when I left work this afternoon. I left the office at 2:30 today after a good day's work, with my mind occupied with many things i wanted to to today, including grocery shopping, studying, and some leisure reading. As I turned my car on, I noticed that there was no one parked directly in front of me. Assuming there was no parking space barrier, I put my car in drive and advanced. Then I noticed the abnormally sized bump I just covered ,and then a scaping sound at my chassis. Oh god!   Experience dealing with Cavalry? anonymous 19 years 5 months ago I have a, rather large, collection with Cavalry. It was my ex wife's car, which was reposessed in 2002. Of course, there's really not much one can do to get an ex-spouse to secure her own financing. Bottom line, the car is gone, and my CRs have a nasty ole blemish on them. It's not like I need the additional help with bad credit. :) Anyway, has anyone had any luck with these guys? You know, the normal DV, Dispute, etc. process? Anything special? What about them filing lawsuits? Are they nasty like that?   open account anonymous 19 years 5 months ago my account no is 290402xxxx opened 03-1-1996 i need to close this account for credit purposes. thank you. my e-mail is Email deleted as per forum rules-Mike