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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!

no you are a braggar & a show ponyonly if you have the matching shoes and accessoriespictures of the bags will help

Try department stores like Macy's

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Are you into dark colors or light ones? I think the color choices for the mini monogram are limited though

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The quality is good but they look just like every other bag

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99 you could be the proud owner of this man purse

It is quite expensive but it will last forever

tell if a coach bag is original

again a true wholesalerI have a bag that has all the Dooney and bourke logo

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

But people do anyways D:how can you tell if your coach purse is real?if you bought it from a reliable store and if you paid enough for itif it has leather u can try to burn it a lil and if it burns it means its fakei have one hermes france bag that i waited about 1 year for

Mine* is classy like the "Lucille PM TST" and I get a ton of compliments and it doesn't have someone else's advertising all over it (I don't wear tourist/product t-shirts, either)

It says that it is authintic?

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I love that style, the bag is huge in person! I am a monogram LV gal, but that would be great for the summer!!!Where can i find cute desginer purses, for low prices

coach and dooney are kind of expensive so you can check on ebay but you never know if you are getting the real thing

Let me know what you think because I'm going school shopping tomorrow

Lol I am normal I'm just messing aroundI know they sell them in major stores like Sak's, Macy's and Nieman Marcus, but I've heard there are also outlet stores that carry Juicy Couture

Take note that the gas credit cards are able to aid you in controlling your routinely expenses on gas

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not everyone can afford designer stuff, helloooo

most high schoolers i know carry demis (and they are fairly inexpensive) and wristlets

Otherwise, Marshalls sometimes has decent stuff-but you really have to dig for it

Way too many illegal copies being sold online

Where do purses and turbans go when you download them?i'm looking for a louis vuitton handbag and i don't really know where to look

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They can lock me out...that's another vioaltion ha ha

Does anyone know the section of the FCRA that I can use when the supervisor calls back? The burden of proof is on the CRA to provide an "instrument bearing my signature", right?

Thanks for the advice...I think I may stick with FHA for now, being as this is my first mortgage...money to close is not a problem and such...already have contract and such, so maybe now's a little late to be screwing with it since closing is 12/23....

Just talked to her, phone is working, but still no electricity.

A very bad history - but paid off in 2001 - auto loan was reporting a balance due and past due amount, I disputed with EQ and got a 10 point jump from the removal of those two incorrect items. However, the DW's EQ dispute came back verified so we sent the CYA letter to OC.

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Y especially like maxi bags, but that's my style

my son usually gets my cash :)Im going to Paris in July and I was wondering if the Gucci bags are cheaper there then here (u

Do you really want to be handling a purse and trying to figure out where to put it down and remembering to pick it back up

Does anyone know where i can find a cute recycled handbag???

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You might want to review your reports for any incomplete or inaccurate reporting

I'm doubtful though, that any of your TL's are correct anyway, it seems both the furnishers and CRA's make them worse and worse before deleting, so it's not likely they'll get it straight anyway.

Since your DH has an open account with them then they have permissible purpose to conduct an account review...A hard is typically what you do when you are considering an offer of credit...I would call and have them re-code it to a soft inquiry.

Number of accounts historically paid as agreed

My wife has two CAP 1 chargeoffs. One was settled for a partial amount of the balance . The other was charged off for 195.00.

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i would say louis vuitton, but coach has more choices

The only difference is the packaging

But to easy this burning desire you have to buy a cheap man purse I looked it up for you AND

because if you really loved the style and design of a well made Chanel bag you would want to support the designer that made it, not sweatshop workers in China

please help me i need a new purse bad and im tired of vera bradley so please show me a chic purse less than $100 or a little over $100

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You have to catch them in reporting violations, either the CRA not following the rules or the furnisher. Is the reporting absolutely, everything about it, line by line accurate?

Companies have become more efficient in their use of labor, squeezing out more production per worker. That means economic growth doesn't automatically translate into more jobs, as it has in the past.

Is anyone in here hoping their son or daughter is like Puff Daddy and buys them a $10million mansion and hires them as their Public Director?

It must be VERY close to the end ofya 30 days...EQ did that to me on day 28 or 29 just to get report our by 30th day...then on like day 32-33 I got another updated report...Of course they say verified....

Are you saying you can't file BK because you have too much equity in your home or because you're in arrears with your mortgage ? I realize TN doesn't have the greatest exemption going but even a CH 13 would stop foreclosure and allow you keep your home and your vehicles.

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that are reasonably priced

You will have saved lots of money and still have the look you want

But if I never knew it was fake, I'd think it was real !Weather you buy it or not, I don't think your fooling anyone

its should come with a fancy card certification thing

Hand the ticket back to her and say excuse me miss but I think you dropped this ten million dollars from your purse just now

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Dont go on the boardwalk at night Unless you like getting bombarded by coke dealers...

While I do not object to the questino do mortgage brokers really hike fees? The rest of the subject line is quite obvious a personal attack on me and is thus libelous, defamatory, abisive and harmful.

Even if you have the violations it isn't a given. Trying to argue an FCRA or FDCPA case in front of a small claims judge isn't ever going to be a given.

Did you get your report from online?

If they pulled your credit again after receiving that letter, that would definitely be evidence of willful misconduct. Regardless of your ability to prove their intent, I think the judge erred in not finding them at least negligent. As Sassy pointed out, they either had a PP or they didn't. In your case, they clearly didn't, so the judge should have tossed you some compensatory damages.

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Call customer service at Gucci (go to their website) they may provide details or give info on where you can get more information

Please click on their Ebay name below to view their Items for sale and Read their On-line guides for more helpful information

the material might be a little bit cheaper but thats it!!! get it if you like it!!! they sell alot of fake purses in mexico

I really like the look of the oranges ones i think they are funky and fashionable but a bit more limited for when you can wear it

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Actually now that I have looked at it more they dont report the limits only high balance, but does not seem to have affected my score at all.

whats the best way to go here ?

If you have no job, no money in the bank, and do not own anything with much equity, you are "judgement proof"....meaning that they can sue all they want, but there is nothing to collect.

It must have fallen off either Saturday or Sunday.....

If so, file a complaint against them with the Tx Attorney General.

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Now what? I could use some suggestions. Can the thing I did with the check stand up in court? It really sucks that I paid over 2 grand just to be screwed over $36.

It has been my understanding that state laws can be more restrictive than Federal laws.

Or BT more to a card than you really need to...for the sake of getting CLIs? With Chase, I initially got only $2k, but I mentioned I needed to do a BT and the CL wouldn't cover it, they double me to $4K. I really didn't need $4K, but they didn't know that. I managed to get the CLI at that time w/o having to give them info on another acct. But If I get this National City card, I'm thinking of telling them I need to transfer $4-$5K so I can get a higher CL. Have any of you done a BT to a hard that has no balance? Does it hurt to have a large credit balance on a card? How long does it take you to get a refund of such a large CR balance? Anything else I should know about this 'procedure'?

I have 1 bad thing left on my EQ report, it's a credit card CO from early 2001. The way EQ is reporting the TL is that I there is no balance and there is nothing due. It shows a high balance of ~$4,700.

It doesn't have to be a lot. "We define [it as a] success if we can collect 6 cents on the dollar," says Fredrickson. Those pennies are adding up for investors: The stock has jumped 60% just since the beginning of 2003, closing recently around $30. And over the past three years, revenues have soared an average 67% annually, to $62.6 million, while profits have risen an average 113%, to $18 million. Performance like that helped Portfolio Recovery land the No. 17 spot in this year's Hot Growth ranking.

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I went through this same phase. I still am, to a point. Still haven't gotten my feet wet with taking one of the many CAs,OCs and CRAs that have screwed me to court.

Could someone tell me, what if a collection agency NEEDS to be liscensed in the state of Tennessee. The collection agency is in the state of Pennsylvania,

The only other things are a used fridge that was bought and paid from my parents.

"You are two or payments behind",

how can they still not IIB it and show it as a charge off???

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Read if you have not before.

I have always learned things the hard way and the ways of credit was no exception. We were 23 and almost 50k in debt - yikes! It was just too easy when every week there was a new credit card in the mail. When dh broke his leg and our income was in half we lived on the cards for a few months...it was really scary. And of course NO ONE would work w/ us as far as payments...."We can't help until you are in default" We scraped for almost 3 more years to stay afloat and then I lost my job and that was the clincher!! Since the bk, I totally swore of credit - paid cash for EVERYTHING! We have slowly incorporated credit cards back into our life as they are somewhat of a necessity. We are buying a SUV next month and it scares the crap out of me - we are putting 12.5 down on it and I wish it was more! I know as long as I am scared I will stay smart about it all!!

You should read the "Target" thread, I identified myself as a Registered Sex Offender to the cashier and those standing within 15 feet of me...

Amazing how this comes full circle after so much grief and why I kept saying stop trying to convince ME something WAS offensive -- they have already decided and the answer is in this thread, one only has to read it.

i had a Platinum card many years ago, and the main req

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I know there is a little part of all cc agreements that states that "this agreement is being signed in Utah" or something to that effect.

Thanks Four, I am editing it now. I will let you guys know what happens when I get back. I am going at about 1 Central - so anyone elses input is welcome until about 1245 - then I will have to take my new found wisdom into battle with me.

So, a CA has it now right!

Not that I'm in the market today for one...BUT wouldn't a RENTAL AGENCY be more inclined to let you PAY FOR YOUR PURCHASE 100% ON A CREDIT CARD??? Since 99% of business it that way for rentals...

t . I've posted on another thread that when I look back I think my BK was in blessing in disguise because it kept me from racking up mountains of debt all over again for many years. By the time I could get decent credit again, I had at least a bit more self control.

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This lady is awesome, she picks out the best auctions for you and separates them into price categories so you can stay within your budget

My daughter is a Dooney and Bourke fanatic, and she has purchased several at TJ Maxx

woman don't need that kind of stuff they already have enough of that stuff

shure it sounds to good to be true but they do make fake purses ( it's a crime to humanity i know!!!!!) they could have the same prints, same numbers, same colour, same everything!!!And still be fake

I love it because it's KICK A S S!I have Chanel and Dior in my makeup bag but, I have more Chanel than Dior

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The purse also smells like cigarettes

(I'm NOT looking for a FAKE Hermes Birkin)That's a tough one

: )Coach is sold at the Holt Renfrew in Vancouver

oh yeah and eye liner and a brush

That mall has quite a bit of customer traffic every day (including the influx of tourist who visit the DC area)

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You MUST answer the application truthfully. PUT your address down where you actually live. DO NOT USE A PO BOX. You will likely have to provide proof of residence. It does NOT matter what the CRA's show your address to be. WE ALL KNOW THAT THEY ARE INCAPABLE of reporting accurate information.

my school doesn't accept amex and my first amex was a blue for students, yes it takes longer because they actually verify your studenthood :-) however, don't worry if it takes like 2 weeks, that is how long mine took but it was also 2 years ago and I now have a gold charge and blue cash :-)

Well, maybe not. I can see a lot more dead kittens that way. But it IS the same argument.

Thanks again!Probably more direct than the RA address in TN or DE, however, the RA addresses are legally addresses where you can serve papers.

Threatening to contact the neighbors or employer to get personal information about the consumer, to discuss the debt, or to make any sort of investigation other than to find out where the consumer is

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and probably perfect for you too!

I need an easy to carry around food, can you help?I am not sure what that is, I'm sorry, but I do have a few foods that may work

they never cut to make the LVs go the same way all around the purse

' ya every name brand item has a piece of material that says all that stuff on it

00It has those signs on the front and it has the Ralph Lauren sig

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lucky you have an awesome boyfriend who knows style:DI have a fairly new "Denim medium banana bag" Dooney & Bourke and yes its the real thing

i would never ask MY boyfrend to carry MY purse :DTHAT'S FUNNY LOL- SHE'S in the wrong

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It also depends on how much you paid

I think I'll get that too lol :)Try wiping it down with a wet wash cloth and a mild detergent like Dreft or Tide Free

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"Out of all my credit cards, Providian was one that I never was late for," he said. "Now, I am in bankruptcy, because � 29 percent? Would you pay 29 percent?"

You will make it one day. It was not too long ago when the biggest card I had was a $700 Cap 1.

This is the first time I have EVER been able to get APPROVAL on ELOAN.

I see 2 problems. First of all, they don't have to prove you ever received anything. All they need do is convince a judge that in the ordinary course of business it is more likely than not that they did mail it. See Butch's validation thread for a case called Mahon vs Credit Bureau of Placer County. There is discussion about how automated mailing sysytems work and the likelhood is real that it was mailed.

as always, please post your scores, etc. so we can all see what they looked at.

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Home Depot is now Citibank, I believe.

They pulled TU for both cards for me.

Stay tuned... :wink: Getty

Do you know if they did the repo legally? depending on where you are, they have very specific rules concerning that...if they did it illegally, then you're in better shape than you think...someone else will chime in with more experience though

Failure to properly investigate

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I spent a lot on my secondhand Louis Vuitton speedy 25 and it sits in my cabinet in its dust bag, I am too scared to take it shopping incase I mess it up or spill something on it and it loses value hehehe

That is one reason I like LV, besides from the remarkable craftsmanship!!:)I have a small chihuhua mix and I just bought this really cute dog tote but I'm not sure what places I can take him with me

try this one!! the colors are tom boy-ish, yet feminine

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Something new i've tried...not sure if it will work yet, as I havent heard anything or had any results just yet, but instead of sending ITS, I did an actual Petition and told them as a courtesy, I was sending them this copy before filing to see if they cared to resolve the matter.

OK I still don't understand. Did you recently close revolving credit cards?

I have had an account with BofA for about 2 months . I am looking to do this in the future when all inquiries fall off. The bad thing about the BofA account is that the intereest rate is pretty steep after the 6 month 0% purchases and BT rate.

Do either of you have any sort of retirement fund you can borrow against?

I want to go into the bank tomorrow morning and get prequalified for a mortgage. Any tips you can offer me as to what to bring? I figure I'll bring last 2 years W2's?