sudman

Members
  • Content Count

    11
  • Joined

  • Last visited

Community Reputation

2 Neutral

About sudman

  • Rank
    Member

Profile Fields

  • Location
    Chicago
  1. Hey @Harry Seaward ! As a follow up! I recently had 3 collections on my account they broke down as follows: C1- $2,300 ; from 2013; paid for delete C2- $1015; from 2013 ; paid in full - got a letter from landlord stating ' i do not have any past or future liabilities as my balance is paid in full'. C3- $687 from 2013 but reporting as 2015 on CK. I am getting this deleted as well. My questions are: 1) How much do you all believe my credit score will increase due to all these changes/deletions when the account cycles? Currently it is a EQ568, TU566, Ex540 and all the change
  2. Hi Everyone, I wanted to reach out to all of you and ask for your advice: I recently had 3 collections on my account they broke down as follows: C1- $2,300 ; from 2013; paid for delete C2- $1015; from 2013 ; paid in full - got a letter from landlord stating ' i do not have any past or future liabilities as my balance is paid in full'. C3- $687 from 2013 but reporting as 2015 on CK. I am getting this deleted as well. My questions are: 1) How much do you all believe my credit score will increase due to all these changes/deletions when the account cycles? Currently it is a E
  3. Gotcha! So if I dispute this based on the interest does that mean I have no shot at having them drop the case? If they do not have my leasing agreement could I use that as grounds for a deletion?
  4. Can they charge this amount even if on my leasing agreement I have not expressly agreed to pay any interest?
  5. No I meant for this question : 3) Does a Paid in Full affect a credit score and cause a positive increase?
  6. Thank you so much! Your information is invaluable. With regards to your response on questions 3, I was referring to PIF when it is a collection account not after I have got sued. Is the affect on the credit score different when it is a collection account not a judgement? Thank you!!!!
  7. Hi Harry, Thank you SO much! I greatly appreciate your advice! Just a few follow up questions: 1) Does this mean that at this point it never makes sense to dispute the item again since they are just going to keep calling it frivolous? 2) What does a suit do?Is it normal for CA's to sue? 3) Does a Paid in Full affect a credit score and cause a positive increase? Thank you!
  8. Hi Everyone! I was hoping to ask you all for some advice. I lived in an apartment complex in Arizona about 3 years ago. I had to break my lease and was charged $2,300. The debt was turned over to IQ Data International ( a very rude collection agency) . They are currently charging me $2,900 stating that the additional $600 is for interest that they are 'legally allowed to charge'. I have disputed this with the big 3 back in October 2015 for fraud ( because I thought the argument can be made that these charges are fradulent) but apparently the company verified my debt. I now live in Chica