• Content Count

  • Joined

  • Last visited

Community Reputation

0 Neutral

About samsun

  • Rank
    Advanced Member

Profile Fields

  • Location

Recent Profile Visitors

212 profile views
  1. kool, so i dont want to do any suing i jus want to see if i can get these CRA guys delete the TL and the OC isnt reporting on it should i just dipsute it with CRA or DV midland?
  2. ive just looked at my fico report, where in which a collection held by midland is being reporrted for EQ original lender : midland isnt this illegal midland purchased this from another jdb last year and even has the date of major deliq as last year where as the CO was from 2008....
  3. ok let me write clear 2004-08 NV spring 2008 moved temporaily to MO/IL and came back to NV in summer 08 updated addresses to CCs the time i was in MO/IL but i didnt update back to NV once i came back. started defaulting in MO/IL on some cards and NV in some....dont know which cards where... have been in NV till aug 2013 , lay low just had a debit card never contacted any CA s when NV SOL 4 years or MO 5 years which ever pertains i was in NV.... have some new collections in 2013 in NV so they are still in SOL but they are small amounts i can PFD if wosrt case scenario moved to MO but didnt update address or DL starting Credit repair... removed all but whatever address CRA had as current address in TU and EQ... even ones connected to neg tls are also gone with EX able to get half of them removed and they were connected to couple now planning to dispute few acct with CRA and have to give mailing address which would be MO and here is where i am stuck.... thanks a lot
  4. ok gotcha, i got all my previous addies removed from TU n EQ and 50% addies off of EX already. and some of removed addresses were tied to neg tls. but here are my concerns the is sol determined by NV as i opened the accts there or MO/IL coz the dofd are from there or the CAs think i might be in MO/IL as i never updated addresses with them? also ive few collects from 2013 i wanna dispute with CRA so to do tht now im in MO so updating the MO address will do any kinda harm like revive sol..
  5. hello people, im in a very complicated situation and its so confusing what to do here is my story i opened quite a few CCs back in the day when i was living in NV and in spring of 08 i was living a paying guest at some friends places in Va, MO, IL for few months the time i was in these states i think i updated the CCs my addresses to wherever i was then but that is the time i started defaulting most of my CCs had their dofd from 02/08 to 09/08 and i moved back to NV in fall of 08 all this time i had NV DL but i didnt bother to update the CCs coz i wasnt able to paythen now ive lived in NV till last fall and i moved back to MO but i didnt change my DL its still is NV i had new colls in 2013 now i am in process of cleaning up my CR as the TLs started slowly dropping off ive called TU and EQ and they removed all addresses except the ones showing current in their files, EX deleted few and it has few too but the issue is all 3 of them have 3 diff addresses as current address.all in NV i dont have any CCs or utilities or anything except by debit card so one way i can get all these 3 report my current address in MO as current is either send them copy of DL - but i still have NV DL or can i update my bank or open a DCU or something. i have also opted out and asked USPS to forward mail from last address in NV to MO address i am super confused a. how to update the addresses to CRAs / as i need to start disputing b. can i DV any CA whom i can PFD and update with them so they update CRAs my main concern is also although its been almost 6.5 years till dofd on most CCs would updating CRAs back to a MO address complicate the issue so any JDB will come to life..... i appreciate any advise or help... thanks a bunch for your time
  6. @Clydesmom so ive a qstion, i moved btn 2-3 states back in the 08 when i few accts of mine went deliquent.... they are all reaching 7 year sol now but i was thinking all these days my CR is not showing any judgements so may be there is no sue case ever on me... but ur state logic got me nervous... how can i find out if there is any on my name in any court????
  7. samsun


    i dont understand how an account in 06/08 in pays as agreed status go on to become one with dofd in -7/08??? let me be clear... i just found an old credit report from 06/08 in my hard drive, where for this supposedly particular amex account my then last payment was in 05/08 and my account status when i pulled that report in july 4 08 was pays as agrreed now ive a this years credit report which says for this account now under collection, the dofd was 07/08.... im like isnt dofd-dolp = 180 days??
  8. samsun


    Posted Today, 01:18 PM ok im officially pissed off on myself for not noticing this for all these months... ive an amex tl under coll with no OC from a jdb with dofd in 06/08 ive had an amex back in the day so i thot all these days its mine but i just mined an old credit report from 07/08 and i find my amex account number is not the same as these jdb reporting to all 3cras and the credit limit i had back then was 500 but the original balance/credit limit these guys reporting is 1039 and my balance back in 07/08 is 630 and account status was pays as agreed... somehthing illegal here???
  9. ok called exp and did a cumulative dispute on some old addresses and the 3 accs due to drop in 2014..... exp got back in 2 hrs....deleted ..... but how to make them agree to remove addresses that have tls connected? but wats interesting is the ones that got deleted have a diff expiration dates on TU dec 14.... ??? thanks
  10. samsun


    Guys, i have an acc in coll in my CR currently operated by our friends at midland here is my deal with them first the OC is no longer reporting the tl on my cr second until last year this acc was operated under another company name couple months after midland took over this account - date of major deliquency is changed to that month dofd is 6 years ago this CC is past it SOL and is in its 6th year with due to fall off sometime april 2015 any insight and help is appreciated here thanks
  11. thanks for the advice, quick observation i had. i have an acc A in coll till late fall last year under an agency A and another account B under coll agency B. but i see now they have swapped and its now acc A under agency B and account B under agency A.... anything to note here? thanks
  12. thanks for advice, should i dispute online or write a letter?
  13. hello guys, i have been on this forum for a while, and decided im gonna start working on my mess. here is my story... icve purchased 3 individual cr from the big 3; and based on it here is my list and their respective details amex status-charge off , Date of First Delinquency: 12/2007 date falling off according to exp jun 2014 asset for another amex status collection Date of First Delinquency: 06/2008 date falling off according to exp mar 2015 cap1 charged off Date of First Delinquency: 04/2008 date falling off according to exp feb 2015 LVNV FUNDING, LLC collection Date of First Delinquency: 11/2007 date falling off according to exp aug 2014 LVNV FUNDING, LLC collection Date of First Delinquency: 09/2007 date falling off according to exp jun 2014 MIDLAND FUNDING collection Date of First Delinquency: 08/2008 date falling off according to exp may 2015 MIDLAND FUNDING collection Date of First Delinquency: 07/2008 date falling off according to exp Apr 2015 i am around the drop off date for amex and couple lvnv ... should i dispute this with cra ?? also the accs were opened in nv where sol is 4 years, also the ones midland is reporting, the oc is not reporting it.... should i send them dv... thanks a lot
  14. Hi, would appreciate if some1 help me understand this i lived in a state A opened CCs there... then i started defaulting 6 years back in same state but i moved for 2 month to state b dofd recorded for one card there, moved to c dofd for another card there and moved back to A another 2 months later and lived there till 2 months i ago i moved back to state b. now the sols for states A,B,C are 4,5,5 i was thinkin i crossed sol all these days but now im confused since i saw dofd date match address first reported dates in CRs ..something for me worry here...thanks
  15. @ admin none disputed yet... quick qstion im confused does sol apply to where cc was taken or where dofd occured? i moved a lot in that time to diff states so....