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Question I have... How can I put Money in a Prepaid Discover Card? Thanks in advance for any response. Another question... Quick Story:.

I had an apparent default judgement placed against me back in the day. Disputed it on my TU report and was immediately removed with no issues and was never reported with the other two bureau's. This TL is due to fall off 12/2010 on all three reports..

So with all of this B* talk that is going on, I decided to check my TU report backdoor. I see that Discover has been placing softs every month. I've noticed this before, but never really thought much about it. This, from the two reports I have on me at the moment dated 12/2009 & 1/2010, show a soft placed each month. I know I've seen this before during other months but with C* occuring on my TU report, I can't see that far back..

Any idea's as to why they are placing soft inq's without any noticeable purpose onto my reports each month???.

TYIA.

~G..

asked Mar 04 at 06:35

Amiyah
's gravatar image

Amiyah
14


That's a good question. I'm not sure what is the right answer to your question. I'll do some poking around and get back to you if I discover an useful answer. You should email the people at Discover Card as they probably could give you an answer..

answered Mar 04 at 07:11

Hannah
's gravatar image

Hannah
3467

If Discover was who got the judgment, they retain PP for collection purposes. And yes, given the length in which judgments can live on, they will continue to see if anything exists upon which to jump on. Post-judgment interest adds up in a hurry.....

answered Mar 04 at 07:29

Aurora
's gravatar image

Aurora
1575

AR's or PRM???.

Sorry Hege, I don't follow..

Centex, I know that my past with them gives them PP to place softs. But you state that they are looking for "something to jump on", what do you mean by this???.

Thanks to you both!..

answered Mar 04 at 07:50

Aaron's gravatar image

Aaron
2612

"account reviews".

"promotional" (meaning your credit report is being screened for a "pre-screened" offer of credit)..

answered Mar 04 at 08:36

Jayla
's gravatar image

Jayla
4478

If they sued you and hold a judgment, then you can expect the writ of execution to come when they believe they stand to collect on that judgment, complete with the post-judgment interest amounts (the clock that keeps ticking until the judgment is paid)...

answered Mar 04 at 09:04

Camille
's gravatar image

Camille
1353

I could be wrong. But, I think centex is saying that Discover is looking for any type of assets they could go after to satisfy the judgement..

Am I wrong, centex?..

answered Mar 04 at 09:16

Ezekiel's gravatar image

Ezekiel
3575

Nope, you are not wrong. What OP is describing sounds precisely like asset searches, albeit at the most basic of levels...

answered Mar 04 at 10:00

Reagan
's gravatar image

Reagan
4278

Thats where you start, though. When my parents call me because their home theater is not working, I always ask, "is the device plugged in?" Start simple, then work your way up..

Are you judegement proof OP?.

Like centex said, they could perform a writ of execution and take money from your bank accounts. Sounds like check cashing stores, straight cash, might be the way to go. Until you get the judgement erased, not just off your reports..

If you have been adding new TL's they will keep pulling, maybe even switch to hards......

This post has been edited by.

Bobbydebt.

: 13 January 2010 - 08:43 PM..

answered Mar 04 at 10:43

Easton's gravatar image

Easton
3733

Only softs that hurt.

WOULD BE SOFTS FROM.

CA's.

"IF" they were a bunch of.

HARDS.

....

Then you could worry.

This post has been edited by.

GEORGE.

: 13 January 2010 - 09:14 PM..

answered Mar 04 at 11:46

Lily
's gravatar image

Lily
1639

Centex, thank you for the clarification and I appreciate your insight as always. I was unaware of the defaulted judgement at the time due to the summons being sent to an old address. I know that doesn't excuse me from the debt I owe. I also know I owe the ~$2300, but don't have it right now to spare. So is there anything I can do to work something out with the attorney in question or just wait until I do have it to spare at once?..

answered Mar 04 at 12:17

Fatima
's gravatar image

Fatima
4286

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