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Ascendant last won the day on September 6 2020

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  1. Thanks for the feedback. This is all new to me, so I want to make sure to do it right. And yes, I am aware that I should not in any way acknowledge that the debt is valid or "mine" in any way. I'm going to take all you said here into consideration and see what I can make happen. Also, as far as it remaining, that is why the only thing I'd be willing to negotiate with them is a "pay to delete." Nothing else would make sense for me, so unless they will do that, I won't bother.
  2. Ok, to start, here are the details on the debt: 1) It's with JPMCB (Parent company: Chase Bank) - this is the original creditor 2) It's a charge off (credit card) 3) On my Equifax, the balance shows as $10,803. On Experian, $5,480. Not showing at all on my TransUnion 4) It's 4-5yrs old currently. No payments after it went into collections 5) I am working with a credit repair bureau and disputing this debt (long story involving an ex). So, the company is well aware already that I am fighting it, but no progress so far (4 mos) Not sure what other detail
  3. Oh, I do get to spend time with them. It's just that if I want to have a strong case in court to get more time than I do now (which isn't much), I need leverage. Owning a home would be the ideal leverage. I do have an attorney already, so her and I have discussed the matter inside and out on multiple occasions. But, the only way I will get more time than I do now is for the judge to order it, and the ideal way to make it happen is to have my own place.
  4. Thanks, and I am doing that. If it weren't for the kids, I wouldn't be in such a rush. Just hard watching so much of their lives slip by me and having no power to do anything. Then working as hard as I am and I can't spend any of it without feeling guilty that it will just make it take that much longer to get the kids. Just a very frustrating situation I'm in currently with so many unknowns at this time. I feel the best I can do at this point is give the repair company at least a few months to try to work on these things. Then if that doesn't work, start trying to negotiate something
  5. To add here, had a long talk with another of their staff today (at the credit repair company). Apparently, the last rep of theirs I spoke with was fairly new, which is why she wasn't able to give me much information. This other rep informed me that my biggest collection is now five years old (the one that is ~$10k on one report, ~$6k on the other). It was from a credit card, so at least now, I know where it came from. She said with how old the collection is, it has most likely been sold off at least a few times and they should be willing to negotiate a much lower settlement. No guaran
  6. I actually just talked to them today. They don't give you a whole lot of details as far as exactly how they're disputing it, what they've learned so far, etc. Just a blanket statement that they adapt each dispute in response to whatever information they receive from the prior one. I believe the problem is that the customer service reps you speak to lack the understanding to thoroughly explain what is going on. From everything I have researched online though, their reviews seem to be pretty good. However, about 1 in 5 complain they weren't able to do anything, and only about 3 in 5 sa
  7. To add, I just realized today a discrepancy with one of the collections. On my Equifax report, a charge off is showing up as $10,803. On my Experian report, it is showing up as $5,835. On my TransUnion, it isn't showing up at all. So, if I were to try to handle that one, I feel that those discrepancies at least give me some leverage for bargaining with them, although I feel they will end up trying to push for the higher amount on the Equifax one?
  8. Again, a very long story, and I feel like we are getting way off topic here to get into a past that I still have PTSD over. In short, my least ran out, so I left. She didn't. She wouldn't let me come back to get my stuff, and the apartment complex tried to hold me liable for her refusing to leave, even though my lease was up and I vacated (lease was solely in my name, but like I said, it was over and I left). By the time she finally left, I lost all my possessions. So, not only was my credit ruined, but I was left with nothing to boot. That is one of the many reasons this situation is so
  9. I agree, but that's what they did. They said it would be a waste of their time, as they wouldn't be able to make a case out of it. They said unless she flat out admitted to it, there would be no way for them to prove it, so they weren't going to file a police report on something that would go nowhere. Again, a very long story, but I'm just telling you what the police told me. I even talked to three different officers on three separate occasions about it. They told me to take it to civil court, because they weren't going to pursue something they didn't feel they could make a case out of.
  10. Thank you so much for the clarifications. At this point, I am giving the credit repair company a chance for a bit. Their reviews and feedback seem to indicate a pretty high success rate. I am just trying to prepare for the worst too. And yes, it was ID theft. I already tried to pursue it legally years back. The police wouldn't touch it. They said "well, you two were living together, and we have no way to prove that you didn't authorize her to do those things..." It was ridiculous. I filed two different civil suits against her and won both, but the problem is the suits I won d
  11. Thanks for the information, but I am seeing much different information on other sources, including sources on these forums (in the newbies guides), which state to never pay the amount in full, as it just unnecessarily drains your bank account. As far as the bogus collections, it is a very long story involving an ex. Not quite that easy to prove they're fake when she had access to all of my personal information. One of the companies had already mailed me letters on multiple occasions offering to settle the debt for about 40% of the original amount, but it is one that is completely il
  12. Well as far as the collections and needing to be reported as "paid or settled in full," I appreciate the feedback, but that doesn't help me as far as the next step I should do if the credit repair and pay to delete options don't work. I have no idea what the optimal way to get them reported as paid or settled in full would be, unless you are actually suggesting that I just flat out pay them in full even though two of the three are illegitimate (and the other highly debatable as well)??? As far as how much of a house I can afford, I already know that. As far as the down payment, the lend
  13. I'm working on trying to get a home within the next year or so. I have three collections on my credit, all fairly high ones (about $20,000 total) and none of them are falling off my credit anytime soon. Two are from old credit cards and are charge offs, one is a collection from an apartment complex after I left (but my ex didn't, long story). My current issue isn't so much my credit score as it is my debt to income ratio. A lender I spoke with on the matter advised me to try working with a credit repair bureau first (which I am, and a reputable one), and then if that didn't work, to tr