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Everything posted by he_who_is_poor

  1. I didn't ask, guess I could have tried There is a thread(probably several) about it, someone tried/sent a pay for delete letter. Someone says "Midland has always deleted mine w/o me even asking". Seems weird "always" like it happens multiple times? ha Anyway I probably can't link it here but can search in Google "midland funding pay or wait for sol" it's not from this website Does say "If the DOFD is over 2 years Midland stops reporting after payment/settlement" Anyway sorry can't say for certain, I'm kind of not expecting to get any benefit out of this other than peace of mind, "doing the right thing"(lol) and maybe it comes off my report eventually... but these things for me seem to re-age somehow. Like the one I have from AT&T that was from 2010, shows up as 2018. Good luck hope you find your answers here, lots of helpful people.
  2. @momof3kids I just checked my mail today and I did get a letter from them in a white/blue-stripes first class envelope. It took a bit but seems like you get the letter in 2 weeks. Mine is dated 4 days from the call/payment. Says: I am still waiting for that update to show up whenever next update is on the Fico stuff but looks good so far. (I'm talking Credit Karma/Credit Wise) The balance was immediately deducted on their website.
  3. These are the last two open collections on my account. Midland 5 yrs old <$800 balance original was <$600 (closing fees added on) Synchrony card (guess could have done arbitration but not being sued) ERC AT&T Bill 10 yrs old ~$1K balance Brief summary/background on me, my finances tanked on 2015, personal problems, my own fault. Most cards were under $2500 in value. Credit score around that time I believe was just over 400 maybe lower, now 644. I built my accounts back up(paid banks back so I could open new ones, marked in Chexx) and I got the $200 secured cards... then Capital One took a chance on me, have two cards from them now, one is at $2.5K seems to be my limit/can't break it yet. Problem now is while I have a low-total credit limit, across my cards (11), many of the cards have yearly fees so I have to get rid of those, particularly the low limit/entry ones. I decided to address these because they're hanging on my report... the 10 year old one somehow is set from 2018 maybe when it got a new owner from AT&T. My concern is when I address these I'll somehow admit fault or whatever, possibly interest added on (worst case appears to be 15%). I'm in a better place now so I figured even worst case scenario I can eat it. I'm not doing these expecting benefits eg. score increase/pay for delete/etc... just peace of mind. As I always get these nice letters from Midland (makes me think someone wrote them just for me) for example, not lawsuit just "hey you can pay us". Payments Midland Anyway I just called up Midland because I couldn't pay online. The call was brief about 8 minutes. Verified my identity, said I'd pay by debit the first option. I provided my phone/email, agreed to be contacted, and then I paid on the site... however I did not get an email confirming my payment but I did get the instant ding to my bank account. So we'll see what happens. It shows up as paid on their website but amount reduced. Again I'm aware this has no benefit to me, just a money loss but maybe I can get peace of mind if it goes away. I'll put in the AT&T one too I'm gonna take care of that probably in a month. I'm in a much better position than before job wise, I mean I'm still broke af... don't even have the 6mo savings but I can afford to eat both of these in full. I'll update this with the outcomes. See if I'm on my knees in an alleyway in the future trying to collect. I am vaguely aware of SOL and how it may apply to me, but as mentioned theses things have recent dates/have documents/been reporting for several years. The ERC was recent I think started this year/last year. I just wanted to post here in case other people think of doing the same thing/what might happen to them. The AT&T one I'll reach out to AT&T first and see as I believe ERC is a contractor/not an owner/JDB so I could pay AT&T first... I found a good thread on that I'll reference. Mini update Haha no email confirmation or nothing like "hey buddy, wanna waste almost $500? go ahead". Will see if I get that letter 10 days for now or my pessimistic mindset is it keeps getting reported with the left over balance. Update 09/10/2020 Got a letter in my mail from MCM saying account is paid. I will post an update when not shown or updated on credit score tracking eg. Credit Karma/Credit Wise I called up AT&T and paid them directly full amount and disputed the ERC collection/report through Credit Karma with a confirmation #. Update 09/20/2020 Holy crap my credit score jumped up 79 points wtf... I'm now in the lower quarter 700's damn... I'm pretty sure I saw 400's years back so yeah... wow. I'm not sure if it's just that but I also now have 0 accts in collections.
  4. Oh man hahaha... last time I was getting help here, that was a **** show in the court... oh man. I was paralyzed man the judge was like "You're wasting my time" I was just like "uh... uh..." "I elect my right to arbitrate" or something. Oh man... I still lost money/time on that but it was less than what it could have been so many thanks for that. Edit: yeap... added to Trans Union
  5. Okay. Can try online, no response, use CM. So I think I know what to do(dispute or pay). Ahh... just sucks no benefit other than peace of mind I guess but I screwed them over in that perspective. The main concern is not screwing myself by allowing interest or something to get added. Anyway thanks for the help guys, I will post updates depending on what path in life I take. I just think about it like "$1K into student loans or $1K into the air"
  6. Never, I haven't paid a cent to it. This was at the time $1K is a lot of money to me. It still is but I could get that easier now, still sucks. So it was defaulted on in 2010, never paid. ERC is a credit report poisoner. I had to look up that term but got the gist haha. Yeah I can see what that means. I have another count where they won't let go... yeah I had dumb past. That's by paper right? Not by phone? I'm not one of those "thinks under pressure" guy. ANY account from a CA must be deleted and AT&T agrees not to sell the disputed balance or report. Yeah that would be ideal. I think it would be full balance if I was to settle it. I could do it... a grand is a grand but yeah...
  7. Alright, I'm glad you responded haha. That's good to know they're not JDBs. If I am looking to just pay AT&T back... I am in a better position, despite probably having no benefit to me. Am I still having to deal with these problems? It's just... it's 10 years old you know... ahh man. "But I feel bad" regarding money I owe. Edit: so no letter still, guess that makes sense it's been two months. I can do the dispute against EX but what if TU shows up. it probably boils down to me eg. "Am I getting sued?" or "Do you have money to pay" or "Do you care about your CR getting poisoned" Which lawsuit is the main thing I don't want. I can have the money to pay but then is that all that they'll want.
  8. Interesting thanks, I will check that out. In Credit Karma they have dispute "menu options" but wondering if that's a pay-for-it type of deal. I'll work it out/report back what happens.
  9. I see. Other than matching the Original Credit Name and amount that I originally owed(with Credence JDB). I don't have any other proof. One thing I noticed is the name is weird eg. 11 AT T Mobility which I've seen some people say that it's either a fake collection "made up" or someone made an account under their name. But I am not denying that I originally had an AT&T account that I failed to pay after it became a huge bill and the rest of my problems happened. So are you implying I should proceed with DV/get them to prove it? That's all the info I have at this time, I will reply back if I get some kind of letter or maybe lawsuit(hopefully not). Credence was also using that weird 11 AT T name for OCR. Thanks edit: I also realize I have not been sued yet(that I'm aware of). That's mostly my concern, my credit is still destroyed I'm just under 640, though it went down a few points after this. I noticed paying down my debt balance has been boosting my credit score(shocking) but I mean my debt is like 90%+ student loans so yeah... anyway I'll come back with an update if I have some sort of letter from them. I did a DV before for some other JDB and they stopped going after me.
  10. In what way? It is the only account/collection I've ever had by this company name(phone). Another JDB had owned it before Credence I think is the name. They're gone now from my records, they've been attached to me I think for a couple years. But it looks like maybe they sold it to Enhanced. Though I can't say for certain but the amount is the same. I have to check my mailbox/see if there is a letter. I don't understand how it was opened in Jan and I only hear about it now in Mar. I guess that could be just how it is.
  11. This is a phone bill from AT&T that got super overblown from data overage and then adding several hundred dollars for early termination. Anyway aside from that(you agreed to this when signing the contract)... this thing is 10 years old and some company Enhanced Recovery Company just bought it. Now I have a derogatory collection opened in Jan 2020, which is odd. I just got a notification about it now 2 months later from Experian. Any thoughts? Standard DV? I have not gotten a letter yet, will check. Not sure given what's going on in the world now. This post says something about 2 years One thought is if at some point I can pay the OC, is it too late at this point to try that since it's been spread around already to various JDBs. I am aware it won't really help me credit wise.
  12. update from 03/01/2020 So I did pay this, the money was immediately taken in the same day, works for me the anti-conflict guy The notice finally goes away, but I don't see anything different I'm looking to see if the credit report gets updated about it getting paid in full but probably not Maybe it was a waste since last payment is almost 6 years ago by this date so I don't know But what a good tactic update from 03/16/2020 Well they did report on it in a positive manner. TransUnion said "Improved Account BofA" and my credit score went up a few points(I think just because of drop in balance) so it seems that's what I need to do is reduce my balance(probably 80-90% is student loans) so not sure if that's going to count, otherwise the outstanding/defaulted credit cards seem to be counted regarding "active balance". Well it does include my student loan balance so I guess bringing that down will help my score, seems to anyway. Will post updates. I want to pay back the outstanding stuff, particularly the ones that are still owned by the actual companies "because I feel bad" but I also don't know if there's any purpose. [initial post below] So just as a follow up/context proof for future readers, this is what I mean by "it's in my face" Just for kicks, I clicked on this "make payment button" thinking there it is, acknowledged the debt, house will get raided and I will get forcefully acquainted. I will pay it, I mean why not, although as I mentioned I don't have the chunk of money, but idk. It clearly says "I can't get sued" so... we'll see if it holds up in court/prison yard. I also am going to start a new job(provided my past history/decision does not hinder my future) and I decided to only give this account a percentage of my income. It's annoying there is this recurring transfer to my other account from this account that I can't figure out how to turn off(can't find it in their interfaces) I set it up but yeah. A few times I've had overdrafts because I could not stop it and I didn't have the money.
  13. Well I was wondering about SOL because when I try to find the year for my state(Kansas) and card was defaulted in NY, I get varying numbers eg. highest I think I saw was 6 years. Last payment was 10/2014, I guess that doesn't mean that is when it was assumed defaulted. According to credit karma it was closed 1/2015 Maybe it showed up because it's getting near SOL? I don't exactly have a G to drop but if it was a problem I could figure something out. I suppose I could change banks/close this one. Thanks
  14. That was a concern regarding taking money out. My deposit just hit and it didn't get taken. I'm just wondering like I don't mind them as a bank(except the savings account that costs $5/mo), so to address this I should talk to their collections company? I'm not even sure if it's in house. My main concern is doing something dumb where the debt becomes more than it is already. I'm banking with them because I was marked on Chex so I couldn't open other checking accounts. I had to pay them back to get to 0.
  15. First hello, been a while, I got A LOT of help here before so thanks for that. I had an $800 credit card with BofA in 2014 and it was defaulted/closed. I had not heard word of it/didn't show up in collections that I recall but now out of the blue(2019) it shows up in their web/mobile interfaces. So right under my checking account, there is this card. The balance went up to just over $1,100 not terrible. My concern, the last payment on it is from 10/2014(SOL?) It has apparently been assigned to NCB Management Services, I guess they're a do-it-all servicing company(debt collector?). So I'm wondering if I was to be proactive about this, what should I do? I mean visually the accounts are next to each other but probably operate under different "branches". It just concerns me because I have regular ACH deposits with them. So can't they reason that I am employed/could pay. I am interested in paying, however my concern is if the balance skyrockets for whatever reason. It's also annoying seeing it there in my face(bravo to them). But I also think maybe "they were nice" for not suing me. It has not shown up in collections/reporting. So I don't know what exactly it means that it's there all of a sudden/assigned to NCB. Any thoughts would be appreciated.
  16. Previously... on LOST So that was interesting. I just got a letter today from them saying "we received your request for an investigation... after investigating... stopped all collection activity, returned account to creditor..." shows 0 balance on the account(on their letter). So I'm not sure if this is good or bad... it sounds good. But maybe it's also like "Alright, he's alive and well, send in the hounds" At any rate thanks. Moving up, may have some wheels soon(friend fronted me some cash)... whoah oh... living on credit... (Bon Jovi) I'm not happy about it.
  17. I mailed the DV letters. I mailed two letters. As they had two different addresses on the letter. I used the short sample DV letter from this site. Date on their letter is the 24th last month. I received it a few days past that. Pro: I made a decision/may control the outcome(despite probable loss/no immediate benefit) Con: May not help me at all/still get sued. Will see.
  18. Alright. I'll post whatever happens. I'm still not free, fear of losing job etc... oh well. Thanks
  19. Well, after much reading, it seems that what they sent me is already enough for validation eg. named the OC, creditor account number(last 4), exact amount owed. I will still send the DV, maybe buys me time. I'll most likely confirm with USAA if they did in fact hire CBCS to collect on it. Then I'll work out a payment plan hopefully to avoid the whole lawsuit thing. I'm not sure if they'd even give me the chance initially without going straight into a lawsuit. I'm not really concerned on the reporting at this stage as my credit is still destroyed, although I wonder if I would get two reports on it(the charge off, then collection) which actually when I think about it, that's how other accounts worked.
  20. This is something on my mind too. I don't deny the "paying back, not blacklisted and not sued" as positive things. However there is also no return on my behalf regarding credit score, I just lose money. I think I can afford to do the DV > Set up payment plan, though delaying it for a bit like a month or two could help. However since it's dealing with OC and the issue of incurring the debt from out of state, and trying to avoid court/garnishment in general... I could just eat the bullet/pay. edit: I've also read on forums(possibly here) that CBCS (often?) doesn't respond/validate so yeah. I don't know. Maybe it's a basis/defense at least if I have that checkbox checked of having sent... but what if it wasn't "the right address?" Crap there's also: Being the initial info of amount/creditor and the 30 days stuff(which I have all of this info) so maybe a DV isn't even necessary/would do anything. I could/will have double activity on this account. The original by USAA saying account is charged off, then something from CBCS saying it's being collected on/in collections hmm.
  21. NY, which has an SOL I believe of 6 years, so I assume I don't have SOL argument on my side. I think I know what I have to do: DV > Payment Plan = no lawsuit? As from what I've read here, dealing with OC is harder than JDB in court and the sum if split up, I could afford and the benefit(of not being blacklisted) is a plus. Though my credit is destroyed and I can't seem to budge it at this time. the defaulted cards are only 20% of the total debt(other is student loans). Not related but if PFD were a thing/possible maybe it would help, thankfully credit score is not a huge issue for me at this time, I was able to secure a place to live. Sorry rambling.
  22. This is an interesting point. I've seen that Midland does it(mention the "we can't sue you") though I don't really understand. The amount is low(relatively) just over $700 for that debt. These cards all defaulted about the same time when I became jobless. So it's curious why that account isn't suable. All originating from NY and receiving communications in MO/KS.
  23. So this is my current thought process, I am the reader's guinea pig. SOL from NY will probably be applied/considered if not 5 year KS SOL, so my 3years+ from last account date won't help me there DV can hopefully buy me a little bit of time, but can draw attention to myself While it would not be impossible to pay the amount in full(means taking out more credit, not sure actually if I have it, not all my accounts are zeroed at this time) probably best to setup a payment plan Do I talk to CBCS or USAA? I imagine CBCS unless I can talk to USAA and have them "take it back" I'm still researching. The DV letter people said it's as simple as "prove this debt" but the samples I look at do that listing of "prove these things/provide" which I'm told they don't have to... so I'm not sure. I think my plan will be: Send DV letter(after deciding on which one) CMRRR Talk to USAA(after receiving validation letter?) to verify from their end that it's assigned to this CA(not sure what good this will do) If/when CBCS responds, work out payment plan I think this one of those cases where you're fighting the OC not a JDB in the event of a lawsuit and I can do the slow payback of monthly payments(though it would be like a car payment or something in amount)
  24. Well I'm not entirely sure. Others have said "USAA does not sell its debt" This letter says briefly: "Your past due account(s) for the amount shown above were placed with our office for payment. So I'm not sure if this is like Discover where they hire someone to go after you but you pay the second party and it goes back to Discover. Even if this debt is valid, SOL would just protect me from a judgment but won't stop their attempts to collects on it right? The statement "If you notify this office in writing in 30 days after receiving this notice that you dispute the validity of this debt, or any portion of it, this office will obtain verification of the debt or a copy of a judgment and mail you a copy of such verification or judgment " I'm just curious what stops them from sending me some "judgment" that may not be real. I know this sounds like a conspiracy question. I would hopefully be able to disprove it provided I can find it online/the court info. I know hopefully that has not/will not happen. And then I have to tread/go about this lightly. How do you bring up past SOL if you're validating the debt. Or is that part of my debt validation letter to say "You can't collect on this debt." I don't think that's true. edit: I do want to add, paying this back is something I would consider if I can convince them not to sue me(this kind of agreement I entered when dealing with Discover(prior to finding out forums to get help from like here) so paying in chunks eg. monthly. I think the type of agreement I was in was if I failed to make a payment I was automatically sued or something I don't know, it's not great but assuming a stable life and not too big of payments doable. I'm gonna go find some DV samples. edit: is it really this simple? quoted from willingtocope I mean I'm cool with that, I don't introduce anything that could hurt myself other than a letter coming from my address but they already have that. This one(external link) seems kind of extreme about "defamation of character and such" but I like that it mentions "Prove that you are within SOL" Thanks
  25. I think the letter from CBCS is telling me that USAA owns it. So far on my credit reports(from sites like credit karama/credit wise/etc...) all I've got for USAA is that this debt was charged off as bad debt. Is the point you're making that I should expect to deal with USAA rather than CBCS or the legitimacy of CBCS's involvement with USAA? The balance is also exact from last reported. It is a bit of money and I don't have it at this time if they expected payment in full. Regarding the "black listing" paying them back in full overtime would be interesting as long as it didn't reset the SOL where I could be suable. Which I'm still unsure about that some sites say 5 years and many say 3. Some users here say 3. There is also the possibility of being sued out of state which would suck as I don't live there/can't make it back. That's where this account was active. Thanks