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Indy17 last won the day on March 23 2018

Indy17 had the most liked content!

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  1. I have not had a single bank agree to removing the line in the last 5 years. They act like it's a non-starter. I would just be happy with the 40%. try to challenge it on the report after settlement.
  2. Well, 5 years after some trouble and my credit report is still radioactive - At least Transunion is. I thought I was OK credit score wise. credit karma and various similar "fake scores" were showing me around 700. I refinanced my car loan last year and it was no issue. credit karma was telling my Transunion was 680. Just heard back from the banker, My Transunion was 618. With 7 collections( I only read 5). There is not a chance in hell I will get financing alone. I didn't settle some of these debts because people always say settling won't help my score. however, that's the issue the banks keep having. What I am too do? Settle the accounts, or try to remove them? I really want this warehouse. It's perfect for me. I don't see a chance in hell that I can solve my credit issues in time do get it alone. Should I open up some credit cards in my name?
  3. Lexington Law was the most recommended and they were a joke, a clueless mess. It seems like good help is not really out there for these credit repair agencies. I do recommend finding a good attorney for possible lawsuits. I had one that settled a couple debts because of errors/violations they made.
  4. Lexington law is supposed to be the best any they sucked. When I complained about their performance I never got the feeling the knew what they were doing. I had results with some latinos down in Florida who seemed like they played fast and loose. I wish I keep working with them. I quit because It seems risky.
  5. That's good to know I guess.
  6. @CreditInfoAdmin That would be good. I used them because I thought you all endorsed them. They were awful. I think i might file a complaint with the feds they were so bad. I have no confidence in them. When you complain, all they tell you is platitudes. You never get in tough with anyone who sounds like they know what's going on.
  7. I know this will get removed, but Lexington law is a waste of money. Literally all they did was lower my credit score. They send out 3 letters a month, to each agency for over $100. I have no confidence they watch reporting deadlines. I have no confidence in what they do.
  8. @seeUincourt If you are filing another motion, you need to withdraw the previous motion, and make sure you send the withdraw motion to the plaintiff. 20% is very low for a settlement. 40% seems to be sort of standard. Sometimes you get lucky with OCs. If you are having a lot of trouble, consider doing a motion for extension of time. State that you are a pro se defendant, and you need time to explore attorneys. IDK your states laws, but doing certain motions will screw up your ability to use other motions. Look up your state's "bench rules" /trial rules. Also with your filings, make sure you have a section saying you gave service to the plaintiff with your signature. **I am not an attorney. Please consult an attorney***
  9. https://www.nolo.com/companion/credit-repair-CREP.html Download all the forms. There are several for sending to credit agencies of verifying debt!
  10. @BV80 Thanks for the advice. I would agree that OC debt is a little different. However, I am pretty upset at Chase. I honestly might pay more just to punish them through abirtration Maybe cooler heads will prevail though. @BackFromTheDebt Thanks for the thoughtful advice. I am trying to buy a home. I am in a unfortunate situation where I have the money, but still have bad debts and not the best credit score. I am going to do another cleanup campaign on the credit reports. Then take it from there. I still have a major debt with portfolio recovery that I am really worried about.
  11. Why do you not think it will change SOL? State laws apply to residents of the state. There are several states with 3 year SOL.
  12. I am considering it. I was pretty pissed off at them, and I don't want to reward them for the BS. These Debts are 3 years old. I am considering moving to a state that would put them outside SOL. Being sued for $668 seems unlikely IMO. The chase thing is really at the bottom of the priority list for settlements.
  13. Yes. Now was that so hard? I am not ignoring any point regarding legality. Another assumption gramps. unfortunately, it is not. I over extended on a business deal that went south in 2016. That put me into a default situation on a lot of debt. The past two years I have settled close to 20,000 in debt. Been served 2 complaints. Settled out of court on 2 cases. Sued and won two cases. One closed out nearly 5k in debt. The other one got me $1,000. I am nearly out of the woods on credit debt. I have one big one left with portfolio recovery. They are some real bastards.
  14. Ok, yes. I got your point about "bank records". the "misunderstanding" part is in regards to Which, is the entire point. Some slimy weasel over at Chase tried to pull a fast one on me, and Chase decided to back them up. You can all choose to not believe me if you want.
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