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I just got my credit report from EQUIFAX and I see something called FIA csna listed as a credit card. I don't even know what this is. There is no date showing that this was ever closed. I didn't know I had it and I don't know what it is.
FIA Card Services is essentially Bank of America.
How do I cancel the credit card account for FIA Csna?
O.K., so if FIA Csna is "Bank of America," then I assume that my credit report is saying I have some kind of credit card account with them. I do not wish to have this and didn't even know I had it. What do I do now to get rid of it?
You can
1. Contact BOA and find out if you have any account with them which could justify hard pull on your EQ report.
2. Dispute this inq. with EQ as "not mine"
BOA rarely pulls EQ.
I would put fraud alert on all four CRA or even freeze it.
I am sorry, I forgot to log in so see my post as a guest.
Hi Linda
FIA-CSNA is FIA card service, one of the leading credit card providers in US. FIA appeared in your credit report means that you might have some credit card debt with FIA which is now a part of Bank of America. Now since you are sure that you never had any card of FIA, you should immediately send a debt validation letter to the company. If they can properly validate your debt, come to a repayment agreement with them to pay off the debt. However, if they do not validate your debt within 30 days from the date of receipt of your letter, you should send a dispute letter to the credit bureaus asking them to remove the listing from your report.
Yes, I agree with Anthony.You should first call FIA card services at their toll free number 1800 655 1491. You can also send a dispute letter directly to the credit bureaus if you are sure that you do not owe any money to the card company. However, I shall also suggest you to send a debt validation letter to the credit card company by certified mail as a proof that you had asked for validation of the debt. The address of fia csna is
FIA card services
P.O Box 15720
Washington, DE 19850-5720
You send DV letter if there is an attempt to collect debt. As far as I understood from your post there is a trade line listed on your EQ report, which you do not recognize.
If it is so, I would suspect identity theft and dispute with CRA.
On the other hand it might be just a mistake made by FIA/BOA, so it could help to give them a call.
FIA/BANK OF AMERICA - I never signed up for this credit card
On my Equifax credit report, an amount of $0 is listed under “high credit.†I think this means that I have never tried to charge anything with the card and do not owe them any money. In other words – does this mean that I have never used the card and don’t owe anything (no debt) at all? If so, I’m wondering if the debt validation (and I’m not sure what exactly the debt validation is; this is the first time I’ve heard of it) would apply to this. As the situation stands, I think I have never charged anything on the card however I want to close this account (which I never knew that opened).
If you close it you may take the risk of lowering your score, anytime you close out an account it drops your available credit, there fore you are less credit worthy.
Yes true but it is the older accounts that look the worst. I have been wanting to be rid of some of mine and I will probaly have to close an old account because the newer one serves more purpose.
That is true, but closing it will still have a negative affect on your report. I think you should really reconsider.
I have thought it out a million and one times but feel it is something I will have to do. I have paid this card off several times and then turn around and put another $500 on it within 6 months. My daughter and I both like their clothes and accessories so onece I pay I will probaly be done with it.
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One buyer, Who goes by the screenname Mtexplorer2 but more desirable that his real name not be used, Said he tried many mainstream online dating sites but was always turned down by potential matches as soon as they found out he was a survivalist. Survivalist Singles lets him put everything out on view, he said, And women only contact him should they have similar beliefs or appreciate his moldovan girl for marriage lifestyle.
"It's hard to connect with someone who doesn't have the identical mindset. You can't explain why your truck is packed like you're always ready for an expedition they don't get it, he was quoted saying. "but when you meet another survivalist, You start system all this stuff and the women look at you like you have a million dollars in the bank,
9 signs the world will end in 2012His profile lists many conventional hobbies like hiking, Camping and eating asian food. additionally, there are mentions his "Extensive knowledge with firearms for defense and hunting, And that he has option water source, Likes to go to thrift stores to find gadgets that don't use electric, And cans venison so he will probably have meat "If the grid goes down and there isn't any freezers,
His idea of an attractive woman is someone who is fit and loves the outdoors. "I'm not looking for someone wearing a designer dress and purse I want somebody who looks wholesome, And a woman wearing a backpack in her profile picture is an automatic 10, he said.
Because he lives backwoods of Montana, Distance has been a predicament. He has met only one woman face to face out in excess of 20 he has corresponded with on the site. After she discovered him in Montana, They to be able to just remain friends.
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Distance is one of many issues cited by another member, Larissa Kama, 42, Who passes the screenname nwredhead. Kama have a "Bug on bag" Full of gear near her home in case disaster strikes, But she takes herself less "down and dirty" Than many of the men she has encountered in the exact location.
"I've come across a lot of freaks who live in a hole in your yard, Who message you get me and say, 'Run, Run to me I'm a mile underground in the middle of Nebraska, described Kama, Who lifestyle in Portland, Ore. "I don't want to hide down in a bunker through out my life. I'm really okay with the exterior we're not facing any end of world scenario yet, So I want to reside this moment,
Some personnel, even although, have already found love on the site. Nate Tammaro, in whose screenname was Iron Ranger, Found his soul mates, and / or maybe "Twin flare, Only two days after joining Survivalist single men and women. They live six hours away from each other so they have only met in person twice, But Tammaro plans to move to Missouri to get along with her this summer.
"when i met, We immediately knew there was nobody for us it was the sentence finishing type of love, announced Tammaro. the relationship has changed his outlook on prepping: Tammaro now believes his calling is to help others find their way when "End of the planet as we know it" will arrive. "I'm optimistic about the destiny now that I've found love, he explained.
Others on the site aren't wanting for love. A 44 yr old female user with the screenname Arnold, as an example, States on her profile that she is looking for a survival group or a man. One skill she would offer, She listed, Is establishing "Humanure, This involves converting human excrement into fertilizer which are often necessary in case a disaster strikes and there is no running water.
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'I dated a black lover once'
Sam Russell assumed his dating startup, Where White those Meet, Would ruffle a few extensive web feathers. Box in texas.
But 53 year old Russell hmo's owner of a used car empire and the resident of a $1.5 million house in a zip code that is 94.9 per cent white swears he isn't afraid of the backlash to his fresh new dating site.
"It's about equal odds, Russell stated. "The last thing in any hemisphere I am is racist. I dated a black girlfriend once. I helped raise an adolescent black man. I just believe it's hypocrisy to say 'one group can have this happen, But another can't.or,--"
This is Russell's first foray into the online dating industry; He's spent many of his career in auto sales, As the director of the since franchised chain Automatic Car Credit Inc. (He still owns the chain's venue in Layton, utah, In a place of work that now doubles as the listed HQ for White People Meet.)
Out sick from work one day yr after, He found himself marveling at what amount of Black People Meet ads airing on daytime TV. He spectacular wife, Who technically owns the dating site, Quickly became convinced both that online dating service personals was a good beautiful latin girls pre retirement business endeavor. And that white people faced a dearth of online dating investment funds. While an early version is ordinarily online since August, The site officially launched last weekend when Russell unveiled an rather quickly divisive billboard southwest of Salt Lake City.
despite that billboard depicts a smiling white couple, Russell demands that anyone over 18 may join, without regard to race or ethnicity. ("If you're a black man who likes to date white women, This might be a great choice, He said presuming you will enjoy over the object of your affection's stated racial preferences.) It costs $15 a month to message other members, And the site's tos specifically prohibit messages that "help racism, Bigotry, (and) hatred,
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but probably, desires to know about Russell thinks about his site or his own intentions, There's no denying that dating is racially motivated and dating foreign girls, Demonstrably it. Data from OkCupid, The most transparent of the mainstream paid dating sites, Has over and over again shown a sitewide bias against people of colour. ("Every kind of way you can measure their success on a site how people rate them, are you going to they reply to their messages, How many message campaigns they get that's all reduced, The site's data science tecnistions once told NPR.) Research published in the Proceedings of the national Academy of Sciences has also found that "Racial segregation in caring networks" is not only "stronger, on the other hand "huge,
I ask Russell if he's at all aware or concerned that white people already had the upper hand in online dating sites.
"It's our right to have this business, He answered the "all of us" Presumably preaching about white people, most. "If we would like equal rights in this country, It has to be equal rights for every individual,
Russell take into consideration his site's recent traffic as evidence that others agree: beyond 100,000 people attended White People Meet on Sunday, And right now 1,033 a lot more registered to browse the site for free. (Russell would never share how many had actually become paying members.) He insists that the reaction has been overwhelmingly positive thus far; It's the people demeaning him, he says, Who don't truly thoroughly grasp the true nature of race and racism.
"I knew there was some probability backlash, But I'm not likely to dodge it, he said. "No one you will never know me would ever call me a racist,
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