sudman

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About sudman

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  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 changes were made 2 days ago. 2) As i have the letter for C2 stating no past and future liability, do you think I will be able to dispute it , use the letter as evidence and get it deleted? Any advice will be greatly appreciated!!
  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 EQ568, TU566, Ex540 and all the changes were made 2 days ago. 2) As i have the letter for C2 stating no past and future liability, do you think I will be able to dispute it , use the letter as evidence and get it deleted? Any advice will be greatly appreciated!!
  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 Chicago and do not know if this changes the interest they can charge me? Also I called the original creditor ( my apartment complex) and as the company managing has changed, they were unable to provide me with a copy of the lease. I also asked the collection agency for a copy of my lease which I was told they currently do not have but will request and send me. When I asked if there would be any terms that in the original lease, agreeing to pay interest the person at the collection agency said 'probably not but it is state law to allow it'. Here are my questions: 1) If I did not agree to pay interest to this company, can it still be charged if it is not in the lease? 2) Does living in Chicago change the laws that affect me now or does this not apply since the contract was signed in Arizona? 3) Can this company sue me? If so what does this actually mean? 4) I got Lexington Law to send a debt validation to these people to which they said they will not respond as it is 'frivilous'. Is this true? Can they ignore these letters? Thank you for your help in advance !!!