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For the leather part: Use Tana Leather Cleaner or any mild moisturizing cleanser (it is dead skin, after all)

armani, versace, dooney & bourke, coach, louis vuitton, gucci, burberry, JUICY COUTURE, dior, prada, xoxo, vera wang, betsey johnson, lacoste, nordstromGuess has very cute purses for the corporate environment

LV is one of a handful of designer brands that don't sell wholesale or in bulk and they're only available at their boutiques

Check EVERY bag that you buy or sell carefully! Double-check the serial number against others listed for sale

These Furla bags are on sale and they are super cute!

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Then, i just keep my purse at home or bring it if i have plans right after school

Good to carry to the beach or gym

As long as the seams and the writing are red it's real

the prices are way cheaper and i usually replace my purses after using them a few months

the most I'll spend on a purse is $60

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she buys knockoffs in like svens jeans and stuff but very rarely in handbags

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and if you asked her to go on a date, then you should buy the drinks anyway

Does this mean mine is a replica, or is it more likely that it is simply a variation?Hi Everyone,

I'm going out without a purse and I have a dress

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If she doesn't, then yes

or take it to a shoe maker or someone who works with leather and ask them if they know what to do

Is it too late to return the bag for something a bit smaller or maybe look for a bag that will make you go "Zowie!"

They stuffed my puse with everything that they deemed worthless down a gutter

your "starting to pack a purse"

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Where I can I get it besides COACH

A real designer purse should be well-made, with good materials and details, usually made in Italy or USA (beside China and other third world countries), the inside should be nice fabric usually silk or something similar with the logo of the designer, standard pockets for cellphone, pens, zipper pocket

The zippers also look of better quality

I was about to get the patchwork bag but decided to wait to get another one

is the east west demi a retired coach purse? because i'm buying one off ebay and it's so cute and it is a signature c east west demi and i can not find it on the caoch website so has it retired or is it a fake! ps: must know soon don't want a fake (i have fakeaphobia) and the price is too expensize to be riped off!

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#iWould you be able to tell if this is a fake Chanel cambon at a store, mall or anywhere and be like "OMG, thats totally fake" see I have a horrible purse addiction and im only 11

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I usually see really older people or really young people (teens trying to be "cool") wearing Burberry

I seriously doubt that they'd respond

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Must the CRA notify the consumer that the dispute is "frivolous"?

It goes to either 11.9 or 12.9 in March 04. I'd have to look it up, but it will be my highest interest rate card.

Every time I look, this guy is looking at me. So finally, the guy comes over and says "you're Chris Mullens the basketball player, aren't you?"

I would suggest that there be a credit card specific forum with sub-sections for the major cc players. That way all the Amex junkies can find all the information they need for example. The same for Citi, BofA, etc. etc.

happen without a pre-nup.

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Hink, keep your voice down...the baby's sleeping.

Yes indeed.......you better not touch these!!

Your puchase contract should specify what you the seller are to pay. Yes the VA does have fees that can not be paid by the buyer.

I too would like to know the scores and credit history required for that. I was pretty much given "length of time accounts established"

Think you all are looking at the wrong documents.

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Right. Also, the mortgage industry is also using a new score from Fair Isaac called a NextGen score. NextGen is not yet available to consumers and it is unclear how much it has been adopted by the mortgage industry.

mail a copy to experian.

If they won't accept a motion to compel, you could try an order to show cause, demanding they show just cause why they shouldn't be held in contempt for failure to obey a court order.

well, now that I see others are in the same boat....let me share my horror story:

It's just the 4 major unsecured credit cards like first usa , fleet, mbna and discover that I'm going to have trouble paying for the next 30 years in order to pay them off.

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The "XXst District", the "District Court of _______ County, Kansas". Like one of the ones listed here but the one in which the judgement was entered is not online: http://www.kscourts.org/dstcts/

They haven't broken any federal laws, yet.

Who "they" rely on depends basically what part of the country you are in as a choice for primary bureau used.

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Too many calls drop in too many places, no matter which of the six major providers you use. Walking down major Manhattan streets, I have had calls dropped innumerable times by both AT&T Wireless and T-Mobile. I have seldom been able to keep an AT&T call connected on any New York regional railroad line. In fact, it's hard anywhere in the country, using any service, to have a lengthy call between two parties, both on mobile phones, without at least one mysterious connectivity drop.

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i'm sure the quality of your bag is worse, but if you cant tell the difference others wont either

i really want the fendi spy bag

She called my ex-husband and told him that I was a slut, and an unfit mother

send links for which bag you like!

And most fakes don't have LV or the actual symbols in the pattern

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No I'd pay $200 for the smaller ones

O yeah and just because it has a tag label on the inside it doesn't mean it's real even the fakes have those

I can't say for sure if they are real, but their prices are off

but it dont have coach on the zipper

You should also check the glue on the inside corners, does it look sloppy? The borders on the exterior leather is very hard to reproduce, check to see if it's smooth, the fakes usually have ridges

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Put it in a high yield savings account or invest it

do you have a name brand?i seen this cutest dior bag in a bazzar magazine (march 2007) its white leather with a D charm on the side and i went to the dior webste and i cant find it anywhere

They're so trendy now, and basically tacky

I know Coach has outlets, but I don't know if Dooney & Bourke have them

The real ones (LV), usually is leather so if it's soft and has a very soft but yet has a texture since it's real leather to it

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It seems that I cannot find one anywhere

I just bought a bag from fashionsteal

Only poor people buy fakes and really if you can't afford it then buy Dooney & Bourke or Coach

I can't afford a 'real' one and have looked online and haven't been able to find one

the other one looks like a bag u put ur bowling stuff in! come on ur bf cheap? yea right be glad he would actually pay that much for something ur only goin to use for a season or two!I like the first one a lot better

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I think you should go with something unusual; maybe a baby blue or a lavender

But seriously some people over do it with the logos! As long as you carry it in a basic neutral bag so the logos don't clash I say go for it

Often imitations will just have the crest on the outside

That sounds like a bag from a couple of years ago, they may not have any information online for that bag becasue it's out of season

Make sure you know how to spot the fake bags

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My scores are as follows:

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 have a tu person I work with...she usually fixes my prob, but then goes back in and inserts other stuff, lol...

Yes indeed.......you better not touch these!!

Also, do AR or PRM inquiries affect the FICO?

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Not sure if this is associated with the file split...I have gotten B a few times after having it fixed and all is still okay...

There are some additional charges on the auction slip that are over and above the actual purchase price of the car that are valid fees.

Sounds like these guys are sneeky and dishonest. Shocking huh? Did they tell the manager verbally or in writing?

I have run into some case law on the net that stetes a law who is a debt collector can get sued for getting a judgement on a consumer while violationg the FDPA.

AHHH, your score already sucks, might as well start several positive tradlines at once. Check this link for friendly creditors......4 to 5 would be ideal.

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I sent a letter to C-Bass since I had anything to do with them. Today I got a letter with the the following:

Okay, I just pulled real tu report.

She said she sent a letter to the old address and it got returned, so now she is going to come after me, and "what is your current address?". I told her, "I contacted you concerning an inquiry made on my credit report, I did not call to discuss the account, thank you for the information". She said, "so are you disputing the account, that YOU are responsible for, because we don't recognize a divorce?". I answered, "I am neither disputing nor acknowledging it, what communications you want to address to me you may send to me in writting". She said "well what is your current address", I said, "apparently you already have that information, thank you, and goodbye" then I hung up the phone.

Cool, someone linked to an article ;-)

Sassy no offense but I don't see where the beef is. You jumped in and accused retrosoul of overanalyzing, not true, the fact is she accepted that you and her may have different ways of thinking fine. Just accept that you agree to disagree like she said, but there were racial undertones in that thread, and it was more than retrosoul that picked up on it. The fact that the members who actually posted those comments have not actually come forth to say what they actually meant says alot, you cannot say it for them even if you see it another way or did not see it at all. You cannot defend them if they are not defending themselves by saying what they really meant, sure express your opinion that's what the board is for, but the thread should have been locked no matter how you see it, it was a judgement call and a good one at that, and the fact that not anyone of those posters have not come forth to explain what they meant says a whole lot. Retro playing the race card. Absolutely not they said what they meant and that how is was taken

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Your Equifax Customer Care Team

I'm missing the joke entirely. Most mortgage brokers are SCUM. And so are most banksters.

I've been through BK and came out relatively unscathed. You can too.

I'm in a similar boat as you are.

should i make them prove they are bonded or get a copy myself?

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Also, does anyone know the process of "old address" deletion, then dispute? The address on these liens is very, very old.

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4. Pursuant to the Texas Debt Collection Act, Section 392.404, a violation is a an actionable deceptive trade practice under Chapter 17, Business & Commerce Code.

Once it's known, that the opposite is true, we've a chance to start seeing changes. That takes a solid papertrail and documentation.

couple of threatening letters....

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Not much of a story really. The short version is they reinserted a previously deleted ca without notice to me. I requested proof of their "certification" from the ca that is required and they couldn't provide it. 2 other ca's were reinserted. The screwy part of all this is that these accts belonged to someone with the same name in the same city. It wasn't til later their atty and I figured out by the guys wifes name, that it was his accts. I knew they weren't mine.

i recieved a settlement offer in the mail from northland group last week for a settlement of $845 on an account they say is $2400. the catch was they were representing sherman aqt. they list the account on the settlement leter as an HFN-associates college account... one that i have never heard of. has anyone else had expeience with this collection agency or any for that matter stating the account as soemthing it's not to get a response? the only collections i have had with sherman are an MBNA account for $1200. if it is valid is it legal for them to double my balance? i would write northland and ask them to validate, but i have moved to a state with a longer SOL. they are also lisenced and bounded to collect in my state. i have 1 more year SOL. however they are still sending their letters to my mom's house where my SOL is up. they don't have my new address. basically i want to know if i should just go ahead and make them validate or try and coast through my SOL before i send them a DV... does anyone know if any of these companies northland,sherman, or MBNA sue?

I am eightteen and don't have any loans, credit cards, etc. so I'm pretty sure I don't even have one established. Or would they somehow get my information from somewhere to establish it?

19 Derogs deleted from EQ

Does anyone know if they pull your report if you open a savings account?

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and im not going to walk around with a fake one!

As a rule, doing things you don't want to do in order to please someone else leads to problems

I used Discount Coupon ID# OP45ZDOT DOT DOT$109 for a FAKE Chanel bag

- Nice name coach, gucci etc

i need to know bcuz i LOVE chanel stuff

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The letters are also big "C"s, and it have a metal tag that have "COACH

The brown is about 10 by 8 by 5

i would suggest a secondhand store, where I live it's called Plato's closet

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Tried dry cleaning shops but no one seems to clean suede

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The 26-year-old heiress is expected to be released from a Los Angeles County women's jail early this week�

wallet containting cash, coins, cheque book, credit/debit cards, business cards, University IDs, Blood Donor's card, Driving Licence

or u let not getting exactly wat u asked 4 ur birthday ruin ur week

I saw a girl this morning with a gorgeous and really different purse

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If you are going to file - you might as well do it now. If you just want the TL gone, I'd re-dispute.

Well, if you disputed as never late, but the oc verified that the account indeed had late payments...then there is your proof that they supplied false information, hence violating tx finance code chepter 391...of course, it is only a misdemeanor of a fine of 200 bux.

There was a post about an e-mail scam recently re: Citibank. Well now, whomever is behind all these scams is doing the same thing with Earthlink/Mindspring and PayPal.

The first time I was served was about 2 months ago for a credit card that I stopped paying about 4 years ago. I wasn't home that day and they gave it to my sister. I got scared and negotiated with the law firm/collection agency. I ended up paying about 90% of the the asked for. Which is very stupid on my part. All of my friends told me not to pay anything and ignored the summon, but I didn't. Now I am 4.2K poorer than before.

I understood if something was in violation of the TOS it would be stated instead of just shutting everyone up that was participating by closing without reason or notice.

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i want the real onebuy a fake one for less

get everything you want that looks real, and under the price of one item

/Coach? Louis V? D&B? Kooba? Prada?? What's really worth the money to you??These 3: COACH, LV, and Prada

I've never owned a chanel bag but I have 5 coach bags and I can tell the ones on the website are fake

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Once agiam, I feel that you have some personal vendetta against people that don't share your view. If you have issues with me I would love to discuss them with you. Feel free to call me on my dime 888-317-6423. Chance are you will not though as we have been own this road before. If you do decide to call and discuss the issues, then maybe we can post them out here in the public with both the problem and the resolution.

My loan is through Countrywide for a 30 year fixed loan @ 5.75% on the 1st and a heloc @ prime 2.5% due to the high LTV. My scores at the time were in the 700's. Due to all the extra debt, scores are now in the mid 600's:(

Postal Inspectors investigate any crime in which the U.S. Mail is used to further a scheme, whether it originated in the mail, by telephone or on the Internet. The use of the U.S. Mail is what makes it a mail fraud issue.

So, this time, I decided to send d n b my buddies businesses. At least I know they'll report, and favorably at that!

Can you subpoena through small claims? I thought that only occured during discovery, which isn't part of the small claims process here in Utah. Just check your local rules to make sure you can do what you want

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you bring up an interesting question, as I understood it CRA's have to notify you if THEY deleted and then THEY reinserted. But are they responsible for sending the same 5 day letter if the CA deleted and then the CA reinserted?

How can I possibly know any of that information when I'm disputing the validity of the account? I'm not EVEN sure that this account is mine and it seems to me like you're ready to manuafacture one for me so I will ask you one last time to either validate the debt or delete it from my credit reports.

There is a universal id theft affidavit at the FTC site, it doesn't require notarization and the CA can't require it.

altho i have to admit i disputed something with them back on friday last week, the inqs showed up on a tri-merge report i bought yesterday.

Out of the 15 or so ITS letters I have sent in the last year, this is the first one that didn't give in and I believe I have the most violations on this one. I have been sick for 3 days with a cold, and yesterday was not the day for some idiot lawyer to send me a threatening, condescending letter.

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Can you still request that they not place anything on your credit files with a limited C&D?

I'm well into my second year now and ALMOST finished! I started in December of 2001 and have been quite an avid lurker and researcher since that time on the likes of Bayhouse, Creditnet and others--before discovering this forum. I can't tell you how valuable the advice and information contained on this board and others has been--in fact I would still be mired in sub-prime credit if it wasn't for the many veterans and their helpful advice. I don't know if I qualify as a 'veteran' bacause I'm mainly a lurker, chiming in when I can help, but mainly deferring to those with more experience. I certainly intend to stick around and help with information and ideas when I can--I've become VERY passionate about OC's and CA's who routinely violate the rights of consumers like you and I.

but yeah, I AM glad I check my reports multiple times a day....

Replacing Russell Schaub as president of TrueLink is Jan L. Davis, an executive president at Trans Union, a Chicago-based information service company. She will add the TrueLink job to her other duties, the sources said.

BTW, I'm sorry to hear of your family problem but, I know with you looking after her credit issues, she's in good hands.

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and the first three i really dont likethe 2nd and 4th are the best 2 out of the 5

Is there such censorship around the Queen in GB?From all accounts, not much! The handbag merely serves as a prop: it gives The Queen a certain poise when walking

and so do coach that are under 100Have you looked into XO bags? They're usually adorable and really affordable at department stores

Why pay all that money for something that looks so ugly and cheap when you can pick up a cute bag at Target or Wal Mart for 20 bucks?trust me, buying a fake to just "fit it" will not help because when you have REAL LV you know it and you can spot alllll the fakes (trust me!)I love the sims 2 and download all types of stuff of thesims2

Target or Walmart shampoo

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There already are companies which offer cryonics services, freezing

I'm looking fro both really, but I dont want to spend more than I have to

I love these bags great for summerThe Gucci logo will always be a symbol of style

do you know what I'm talking about?? Those things are made to get things out like pen and could work

The 2nd purse definitely!!!!!!!! The 1st one is like EW!!Personally I like the first, but I would never spend that much on a purse

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I requested PR for 2 tradelines and a public record. The CRA gave me the normal generic PR information along with an addresses only. I then sent another letter requesting the deletion of the items due to their failure...Their response was to put the items in dispute again...I sent an ITS letter...no response...contacted the CRA legal department via email and they proceeded to try and provide me via fax the procedural documents again this time telling me that they used an electonic verification system. Sent an email that it was still not proper and that the items should be deleted. They send another fax...this time giving me the same address for the tradelines and this time telling me that they contacted Dolan Information Services for the public record...Again no contact name or when they made contact...

Hope this helps out a little.

If you have not created positive open accounts in good standing, especially revolving accounts, then you can suffer a point drop when the negative accounts come off.

I'm trying to find ideas about how to respond.

Ok...I bit the bullet and applied for a Lowe's store card...APPROVED for 300!!!!!!!!! My Fako is 577 on EQ, but I'm not sure who they pulled. I'll let you all know when I do a PG check tomorrow!

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Real LVs are easy to sell

Look at the stitches- is each individual stitch slightly slanted?Check for the logo on the bag, obviously

the tags are like the warrenty, you should go back and ask for them or exchange

i want it to be a small shoulder bag, and in a scribble pattern

but you know for Louis Vuitton you could find cuter designs =]I can't tell if this bag is real or fake

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Besides, if it's not the OP's account, how would she have the account number? And do you just hand out your SSN to anyone who asks for it? If you do, let me tell you a story of a friend of mine who is going through something nasty right now from her ex-boyfriend having her SSN.

When you ask for validation you are asking someone to PROVE the account is yours.....I wouldn't tip them off with any type of letter until I have disputed first.

As a sign of my resolve and intent in this matter I am sending a copy of this letter to Mr. Charles T. Fote, Chairman and Chief Executive Officer of First Data Corporation.

dogman, I was always embarrassed to use the Aria card and admittedly didn't know what an 'aria' was until an electronics clerk at a Fred Meyer store in Seattle began singing in Italian while holding my card in the air. I didn't want anyone to see my card and here it was center stage in the spotlight. I am NOT kidding, LOL. I learned what an aria was that day and also decided that Providian would be an 'internet only' card. Just one of my battle scars on the way to good credit. They did report faithfully to the big 3 so it was worth it.

So Maybe instead of making a useless sarcastic post to increase your post count you could provide a helpful link to the thread that contains the information.

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The "A" was for Aigner, the company name

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I was under the impression you were sent more than this.

Mom was a trooper through the whoe thing. The only thing she complained about was no cold cokes :

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okay, I got more to say, hehe! , I stay home with kids, but there's no division anymore between what belongs to who. Let me tell you, our marriage is much better off now. So the feeling of ownership of assets has a tremendous effect on a marriage. Don't underestimate it guys. If ya want to sign the pre-nup, go for it, but don't underestimate the effect it could have on your marriage.

I probably would have gone back into the business just because I couldn't find an honest and competent broker and the web does make it easier to explain a lot of the basics and I wouldn't have to interact with other brokers.

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People who by knockoffs and try to look "cool" just aggrevate me

if not, they'll ship it back to their company to be repaired

I have bought 4 chanel bags and they cost me a fortune

I just added a second bag

We were taken to a huge store room were there had to of been 1000,s

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So she probably won't get the other 2 either . A 696 and still getting denied...oh well, suck it up and drive on.

Unfortunately, a gift from a relative is out of the question. My husband's parents live solely on social security and only have $25,000 in their IRA. My parents MIGHT be inclined to take an IRA withdrawel and LEND us the money but I hesitate to even ask. Money is a pretty sore topic with my Dad, he has it and he wants to keep it that way hehe.

At this point I am waiting for the OCC to respond.

Ya'll are really great.. I'm sure many folks come in here and tell a story just like mine, yet you are still very welcoming and comforting... That's a wonderful thing!

Today I had a call from one of my creditors regarding how my BK was reported, next to their paid up/affirmed loans....she had me fax my copy of my CR and told me she would look into it....here's hoping the wheels are turning into something favorable....It's a small thing but just the start. Since I've found this board I have already sent out letters to CA's regarding payment for deletion. That's just since Sunday. Again, I'm thankful this board is here and while I recognize it's going to be a slow process, it's one that I never would've started if not for this place...

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About the only thing WK is good for is

Just got back some results from a CSC dispute. They didn't do a darned thing. Dorks. Anyway, there's a new one on my inquiry list, reads as follows:

So, i guess will just and see if they actually contact me to find out what is all about.

Privacyguard.com Its cost only $1 for a 3 month trial period., as long as you cancel your subscription before the 3 month period. Only downfall is the Fico scores are really FAKO scores. Word has it though the scores on Myfico.com are closer to your actual scores, but for the value I use Privacyguard.com.

Hink, keep your voice down...the baby's sleeping.

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If your wife goes first on the loan application, you probably will not have any trouble. I would recommend you go thru the manufacturers captive finance source at the dealership.

Maybe they thought those 3 chickens you had in the back yard at your previous address qualified you for an agricultural production service?

i got a letter due here tomorrow from sears says that my 30 day late 13 months ago is in error.

I have 3 properties that I need to Refi

Get a little more sun there buddy, your pic is lookin a bit pale :twisted:

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HELPuse mean green its a bleach substance

i might just think about getting one myself ;] haha but dont worry, thats a great combo!Of course not! At least you can flaunt multiple brands! ;)Is it tacky to drink starbucks coffee while eating a bagel from einstein brothers?p-lease!of course it wont

Marc Jacobs or Pradaif u want my opinion it would be coach it has more colors but it depends what style you want my mom has a pink coach bag that was about 75

it's okay to mix and match

If you bought it yourself from a shop, it would have come with an authenticity tag with a serial number on it with the Hermes logo on it

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Will and I are buds - he was giving me a bad time. My initial post wasn't as elaborative, so what you see isn't what Will saw.

Ok, Still a newbie but learning more. My question is, when I get denied for credit for various things, the letter always states something like "more than one delinquit acct or something like that. If I pay off the creditors or start making pymts then they won't be delinquint anymore. right? Even if this doesnt help your score wont it look better to have paid. Also, If I do start paying on these accts will that change the Date of last activity to now and make the bills have to wait another 7 years to fall off?

This person doesn't necessarily have to lie about accounts not belonging to her. She can say something to the affect of "I do not recall having a account with this balance. Please investigate." That is not lying. The CA's usually have a different balance than what you remember anyway. And they reage. And they basically report incorrectly most of the time. This is my experience anyway.

Debtor's prison is back! Oh ma gawd :?:[/quote] Maybe judgements and then bench warrants? I didn't read the article

It seems like because it's just on TU it could be PG or then again, it could be TU. I imagine it's just a coding glitch which they will work out.

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I'm hoping that there's an online boutique or something similiar available that stocks several different Paolo Masi styles

(it is a japanese website though)

but those are really old so you won't be able to find them on www

This is what I would love to know

Thanks!later,cashier demanded I open my purse as she smelled the chicken and suspected that I had "stolen" it