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Everything posted by xlxaxa

  1. FICO I don't know why I would post anything on here if it wasn't true. I also have 5 new accounts with a total of $15000 maybe they helped I don't know
  2. I just wanted to share my story with all of you since I've been using this forum a lot to resolve many of my questions about rebuilding credit. I started the new year with the purpose of fixing a rebulding my credit and so far it paid of. Back in January my report was packed with negative remarks. JANUARY 2015 COLLECTIONS --> AFNI - $2200 CAVALRY PORTFOLIO - $1500 CAVALRY PORTFOLIO - $700 CAVALRY PORTFOLIO - $2000 CMRE FINALCIAL - $100 CMRE FINALCIAL - $200 CMRE FINANCIAL - $120 CMRE FINANCIAL - $30 CMRE FINANCIAL - $50 MIDLAND FUNDING - $1200 MIDLAND FUNDING - $800 MIDLAND FUNDING - $150
  3. I'm so excited that I got my second collection deleted with Second Round and so thankful to this forum and all of you. Thanks!
  4. Hi there, Ok so I've been trying to delete from my credit reports 5 entries from CMR Financial Services for medical services. They belong to medical bills that I thought they were covered by my insurance. After requesting validation to CMR, they replied with the amounts I owed. Then I requested invoices and they sent them to me but they just made those up as the date on those invocies was a recent date, so pretty much they made those when I requested them and they added on top the OC information. So I decided to call the original Medical Office to request the invoices. They said they don;t
  5. @BV80 Was any information reported incorrectly?. They are reporting information differently to each credit agency. Like some dates are different. Also, they just updated my account as "At least 120 days or More than four payments Past Due". Can they report this? The amount is also going up because of interest but in the letters that they sent to me say that the interest on the account is 0% How are they reporting as the OC?, When pulling credit report the are two tabs. COLLECTION AGENCY and ORIGINAL LENDER. In Equifax, the tab COLLECTION AGENCY is blank and their name appear in O
  6. @momof5 #1 and #2 DOFD are 04/2011 #3 is 02/2011
  7. Ok so I have three accounts with Midland. Only one of them is SOL. The other two will be SOL in a couple months. Midland has responded to all my validation letters but only provided VALIDATION (One Statement) for the SOL account. For the other two accounts they just state that they need more info and that they will mark it as disputed and that they won't be contacting me again as I requested on my letters. I keep looking at the accounts to see if there is anything that they do wrong so I can use that against them. Account 1 (Not validated properly) Original amount: $1114 Midland asking for
  8. I disputed it as "Not mine". Then when it didn't work, I sent an email to VP in Portfolio and pointed out all the "wrong" things they were doing. It got deleted right way. @Goody_Ouchless
  9. @lionhunter Thanks!!!! Yes I'm working hard to eliminate Midland and CMRE. I was just shocked how fast they deleted the entry!
  10. I'm so excited that today, al three credit bureaus deleted the entry from Portfolio Recovery. It took me a couple letters, a complaint to BBB and a very long email to their vice-president. But two days after that email.... everything is gone!!!! So exciting! This is my first win!
  11. @BV80 I disputed the entry and asked them for an statement on this account or a contract. I will post the letter I sent soon. @momof5 it will be SOL in March
  12. And I'm just trying to figure how to respond to them.
  13. It's an old debt, SOL. Funny thing is that the original creditors are not reporting at all and they deleted all entries on my report but Midland Funding is still at it so I'm just trying to work some magic LOL but I'm such a newbie on this that I get confused... A LOT @Goody_Ouchless
  14. @BV80 I never received a letter from them informing me of anything. I first saw on credit report, then I dispute with credit agencies and after that they started sending me notification and offers to settle the debt.
  15. Thanks fisthardcheese! So I guess it would just be best if I don't reply to them at all.
  16. Ok so I send a validation letter to Midland Funding but they never replied so I sent a second validation letter and I just got their reply. In their letter they say: "The purpose of this letter is to advise you that you did not provide sufficient information to investigate your dispute of the credit reporting on the above account. After reviewing the information you provided, as well as our account notes, and informaton provided by the previous creditor, we are unable to determinate the nature of your dispute, and consequently deny that our records are inaccurate. In order to further inves
  17. I have a few random questions that I'm not sure whether are violations ot not of the Fair Credit Reporting Act. - Do collection agencies have to notify me in writing befoe they report to the credit bureaus for the first time? - Whenever I didpute something, aren't they supposed to mark that entry on my credit report as being disputed? If they don't do it... is this a violation? - If they show a different amount than origina creditor, is this allowed? If so... what's the interest that they can chatge? - I have a coule accounts where the collection agency name theirselves as the original cre
  18. Thanks willingtocope! The settlement was in 2013 actually. Are they allowed to actually report more than the total balance? I just need to know whether I have a shot at this or not.
  19. Ok so here there is a different situation. I had an auto loan with Chase back in 2007, I missed payments towards the last year of the loan. Chase called me to settle the account and I did. The total amount due at the time was $550 but er settled for $400 at the time. This means that the amount they really lost was $150. I'm now working of repairing my credit and last night when I was going through my credit report I saw something that I thought it was inaccurate but I'm not sure whether this is proper protocol of OC to report to bureaus to not. On my credit report, Chase says: "Account P
  20. Thank you so much!!! Would you provide me with a sample letter of MOV? Thanks!!!!
  21. Hi everybody, I'm a little frustrated by now. I disputed with the three credit bureaus an item that I had on my credit report from Capital One. They never got back at me but I did receive a letter from the OC (Capital One) saying: "We have received your credit bureau dispute regarding the Card Services MasterCard Account. We have completed our investigation and the above-referenced account has been purged from our system. In addition, we have instructed all relevant major consumer reporting agencies to delete any reference of this Account from your credit reports". They asked me to wait