• Content Count

  • Joined

  • Last visited

Community Reputation

10 Good

About kjunior

  • Rank
    Impressive 100+ postings


  • Occupation
    Office Manager

Profile Fields

  • Location
    Little Rock, Arkansas
  1. Here is a site i found, but have not used for adding bills that you pay that does not get reported. http://prbc.com/default.php?
  2. Good morning everyone, Since filing my bk ch7 6/03 dishcarged 9/03. i have purshased a home 5/4/05, gotten best buy card $2,500, circuit city card $2000, home depot card $500, Old Navy $800, Union plus $3500, 1st premier $250 in which i am going to close, orchard bacnk card $300 limit just increase t $500, but may close that one as well once the others i first listed season for about 12 months or so, but will keep very low balances on all just to keep open. i just needed to re-establish since by bk and be ready to refi my mortgage in 2 years.
  3. I wonder i pay collection if they will reconsider? They pulled my TU as well?
  4. how old was your negatives? my one is about 3-6 months old. That's the only negative on my tu report in which is the report they pulled.
  5. kjunior

    Best Mortgage

    Charles Clark is the bomb!!! I closed on my home last thursday thanks to Charles. Been out of bk 1 1/2 years got 80/20 loan. if anyone on here need a mortgage i recomend Charles Clark!!! Thanks, Kay
  6. I have a $129 unpaid collection account. i applied for boa and was denied due to the collection. Could i pay this off and reapply or go through PFB to get a reconsidered?
  7. How can two attorneys not release judgements that were included in my bk? i'm in the process of purchasing a home. title company ran a search and came back with 2 judgements. i told her those were included and discharged in my bk almost 2 years ago. she then says well they won't release them and want their money at closing or they will be attached to your title and i won't be able to refi or sell the home with this. i told her that is not possible b/c the debt was discharged. she said they said b/c the debt was discharged doesn't stop the attorneys from coming after you while it's still in the statue of limitations. i need some advice on this asap!!!! My attorney i filed the bk under said their is nothing she can do b/c the case is already closed, and if i went back in to reopen the case it would cost me so much more money than when i first filed and cause all of my creditors to come back after me. i beg the difference on that, but i am not willing to reopen either. How should i handle these attorneys? if they was a problem then they should have disputed when i filed, but no creditor showed up at my 341 meeting. How can i take care of them before they attempt to do anything? Thanks
  8. both judgements were included in my bk. how would i go about getting those dishcarged through the courts or does it matter? say for instance when i refri i would need these cleared up correct? if they have already been deleted from the bureau's will their be a chance that that may pop back on my reports? The reason i ask is b/c the lady at the title company called the attorneys, they told her they would not satisfy them. i'm afraid of all the work i've done to get them removed they may pop back up. i'm trying to keep my scores high after the purchase of the home as well. i am needing to apply for a bof credit card to get somethings i will need for this home.
  9. Good Morning, i have a question about my title search for my mortgage loan. Title company called me on Friday saying they didn't know how to take care of two judgements on me during the title search. I told them that the debt was discharged in my ch7 bk sept03. How am i suppose to go about getting these taken care of for the home i'm trying to purchase. i spoke to my attorney and the courts who said that, they have no reason to check to see if you have any leins or judgements against you on the seller. Well the title company called the two attorneys about these judgements. will that affect anything as far as being put back on my credit reports after they have already been deleted? Second, if they were discharged why are they being able to pull them? I do understand debt being discharged in my bk, but i was told that the judgement itself can stay on your credit for 10 years. The attorney said they couldn't be taken away as judgements b/c at the time i didn't own any property, and if i did i could be in trouble for not including the home in my bk. Attorney said we could go back in and open the ch7 case but that would leave all the creditors i included in my bk a way to come back after me and would cost me more money to reopen it then to just let it be. What am i to do at this point. I am suppose to close this Friday. Thanks
  10. i had one orchard bank card with a 300 limit. previous balance was 241 i paid it down to 116. then i have a 1st premier that was a 250 limit. previous balance was 220 i paid it down to $95. didn't want to pay them competely off until after the closing. i just got them to rebuild credit since my ch7 back in 03. my scores now are 613, 595, 674 i am needing about about another 30 points to get a better interest rate if that's possible with what i've done. i just made another monthly payment in march for my student loans, so hopefully i will get a good score increase.
  11. Does anybody know if paying down credit cards will increase your scores? trying to boost my scores for a mortgage loan. just want to make sure i'm not going to get a drop in scores. Thanks
  12. I'm sorry about that. i thought about the edit thing after i sent it. The debt now is about 3 or 4 months old charged off on my reports causing my scores to drop. they said the acount was opened in 2000 Could i not ask them for a pay for delete or update as paid never late. Would they go after my mom if i still claimed fraud?
  13. can anyone help on this matter
  14. I sent a letter to oc disputing account saying i never had wireless serive with their company. i indeed did have land line service with the company. The only thing is the phone was for my mother, i didn't live at the address nor pay the bill. Here's what i got back from the oc. could you guys let me know what do to next to get this item removed forr my credit reports. i'm in the middle of trying to get a mortgage or should i just leave it alone? i was just looking for a score increase. sorry this is so long. i am willing to pay if they delete from bureau's Here's the email sent back to me from the oc: Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. We will assume your issue has been resolved if we do not hear from you within 96 hours. Thank you for allowing us to be of service to you. Subject --------------------------------------------------------------- Planetfeedback complaint Discussion Thread --------------------------------------------------------------- Response (A BOWDEN) - 04/01/2005 07:34 AM Dear Khalilah Junior- We have reviewed your concerns regarding your personal credit file. We have located 2 accounts in your personal information that were placed with outside collection agencies. The first account, , was for a pager that was opened August 2, 1999. We have requested this account be deleted from your personal credit file as there was no usage. In researching the second account, we have identified that this was for land line service. The balance due on the account is $129.57. The phone number attached to the account was. The account was opened May 31, 2000 and remained opened for 3 years. The last mailing address on the account was . If you need bill copies mailed to you they are available. If you are still disputing that the account belongs to you, you will need to contact our fraud department at . We want to apologize for any misinformation that may have been given by Nationwide Credit. Your accounts were charged-off as a bad debt and subsequently ALLTEL updated your personal credit file to reflect as such. Therefore, NationWide Credit cannot remove or offer the removal of the adverse remark. Please be ensured that we have notified the proper management at NationWide Credit to speak with the representatives in question. Once the balance is paid in full ALLTEL will send an electronic request to the three major credit bureaus to reflect the above account as paid in full. For information regarding the length that the information will remain on your personal credit file, you will need to contact the credit bureaus. Sincerely, Corporate Financial Services Customer (khalilah junior) - 03/30/2005 09:27 AM March 30, 2005 TO: Attn: Executive Officer of the company FROM: RE: PLANETFEEDBACK REFERENCE NUMBER To Whom It May Concern: The world thrives on communication today, which is why I'm so upset with the experience at Alltel Telecomunications, a situation that's very frustrating. Quite honestly, I'm annoyed with this issue. Just for the record, here's my telephone information: . Okay, i had a credit report pulled 3/12/05 and noticed a collectionf rom Alltel. when i call alltel they tell me this account has been sold to Nationwide credit which is a collection agency and to call them. i call nationwide to ask about this collection and why i was never notified, and that this account was not mine. they told me to call alltel back, b/c they would handle this. i called alltel back and they informed me that this is a wireless account. i told them i never had wireless service with alltel. they kept telling me that this was an wireless account and if i had problems with it to call nationwide back and dispute as never having wirelss service. nationwide then tells me to fax over a letter telling them the account was not mine along with a police report for fraud. i told them that alltel told me to call them to dispute as not ever having wirless serive in which i did and the account would go back to alltel, they will research and if not wirelss account it would be removed from my credit reports. my thing is how can a sold collection account be sent back to the orgional creditor when alltel told me they no longer handled the account once it was sold. i told both companies that i never had a wireless account, but they swore i did. how does either company not know what the other has or what kind of account this is. i did send a letter to alltel viam mail 2/28, but have not heard anything from them in which the time is not up yet for that, but wouldn't when i call alltel see that i've sent a letter about this situation, so when i call to inquire about the account no one knows anything. i'm not understanding what's going on here, but am very upset about this account ruining my credit and would like to get the matter resolved asap. i was never notifed of from this company or the collection agency on this matter. how does that work? how can alltel tel me that the collection agency reported to the bureau's and not them and the collection agency says vs. My reports reflect alltel communications as two different cellular trade lines. i just figured that comeing through planet feed back that i would get some assistance from a upper level. Also i have been waiting on 2 different people to call me back from Alltel in which i have not recieved a call back since i've called on 3/15/05. i spoke to 2 different reps who were to call me back after speaking to nationwide credit. i will give it more time to see what the results are, but wanted this to go to someone in a more executive level to know how different departments are handling different matters. i am trying my best to keep positve accurate accounts on my credit reports, and if i was notified of this matter it would have been taken care before ever going to collection, but i've never had a wireless account with your company. thanks I'm not surprised, and do you know why? I've been very dissatisfied with your company in the past. Despite this problem, I might continue using your company for telephone service. I'm inclined to tell other people about this, just so they know what they're up against. Here's what I'd like to see happen: i would like Alltel/natonwide to view and delete negative trade lines from my credit reports once they have fixed the error that's in their system and if i owe the company to inform me with the cance to pay b4 reports to the bureau's, but as i've said b4 i have never been notified and this is an error in their system. I hope you get back to me soon. In this age of modern communication, seemingly simple things should not go unresolved. Sincerely, Question Reference # --------------------------------------------------------------- Topic/Detail: Customer Service Sub-Product: Satisfaction Guaranteed Contact Information: kjunior@t4.com Date Created: 03/30/2005 09:27 AM Last Updated: 04/01/2005 07:34 AM Status: Waiting Cell/Wireless #:
  15. will do, as of now it's not reporting on my reports. don't really need it to while i'm in the middle of a mortgage loan.