Jump to content


  • Posts

  • Joined

  • Last visited


  • Occupation

Profile Fields

  • Location

life's Achievements

Impressive 100+ postings

Impressive 100+ postings (5/6)



  1. Ok husband and i are refi our mortage, We need to pay off three collection accounts in order to refi. Two of these are due to fall off our report in Jan . If we pay them off will they remain on our cr for an additional 7 years. I've pleaded with the mortage company and have explained to them how they are going to fall off in a few more months and that these collections were on our report when we got the orginal mortage with them last year. But they donot seem to care. I know that we could wait until Jan 2005 and refi but dh wants to do it now as the rates are on the up swing. Our current rate is 7.75 % but its an adjustable and the 1st adjustment is for jan 2005. The refi will be at 5.65 for 30 yrs
  2. life


    I have a trade line that has no last date of activity listed its is a collection account --should i dispute it...
  3. life


    Ok what shall she do --she called the phone number and was told that the company collects for timeshare accounts that are behind. The rep that she spoke to said they are no longer handling the account that she need to call the following timeshare resort she was given the name of the resort and also the phone number. She asked the rep if the trade line could be removed and the rep said no. My friend has looked back in her records and she has no info on this collection agency no letter no nothing. She called her loan officer back and they said it either needs to be paid or no loan. She is running out of time here. the amount is 6300.00
  4. Ok a friend of mine is getting a mortage her loan officer said she was pre approved but she needs to pay off two collection accounts. The one is suppose to fall off in Oct of 2004 its for 150.00 and the other is suppose to fall off jan 2005 --If she pays these off will it start the 7 years all over again. Both oc have long been gone from her report. The sol have expired and she even called the underwriter and send him info on the sol but he said nope they need to be paid. She is refin here home to a fixed rate. Her score are 674-631-573
  5. life


    Ok i'm helping a friend she has a collection listed on her report it says concord --we've never heard of them it just now appeared on her report as of 2 weeks ago it was not there. We did find a phone number which we called but they are closed until monday 480-9987585. They have a trade line for 6300.00 anyone ever heard of them?
  6. his scores are 650, 630, 640 just got a denial lette in today's mails for exxon,target and household
  7. Ok I'm getting really upset here. Husband's score are in the 600's at all 3 burea's and he still cannot get a credit card --onhis report is our current mortage since 12/03 , carloan since 5/04 and some closed accounts paid in full never late from the late 1990's. And 1 chapter 13 bk from 1999.no collectons or judgements....He tried for a mastercard and home depot. both cards were denied. the reasons listed were 1. serious delinquency and or public record 2. balances to credit limits to high on revolving or other revoling accounts 3. lack of recent accounts I under stand that number 1 is because of the bk but what about 2 and 3 there are 2 recent accounts and number 2 we donot have any revloing credit. I'm really pissed off as a family member did a chpt 7 about 2 months ago and since their bk they have brought a car at 9% interest and have 4 brand new cards --and here we are with a chpt 13 all of the creditors were paid back something and we cannot even get a credit card
  8. Roundup: Cross Country Bank; POSTED: 5:50 pm EDT July 5, 2004 A Wilmington, Del., credit card company has been ordered to pay tens of thousands to consumers. A supreme court justice in New York has ordered Cross Country Bank to pay millions to New York consumers and to stop its false advertising and deceptive business practices. Just a couple of weeks ago, Pennsylvania attorney general Jerry Pappert filed a suit accusing Cross Country Bank of the same thing. Pappert said the credit-card company targeted people with less than perfect credit, then hit them with undisclosed fees and then harassed them when they didn't pay. The company has told NBC 10 that, "several Attorneys General across the country have been working together... in an effort to destroy our reputation without any regard for the facts." --------------------------------------------------------------------------------
  9. what is dcu --do you have a website for them.
  10. bump can anyone advise me what to do ? I didnot pay them in 2004
  11. ok th ecredit report that she has is what the loan officer pulled they gave her a copy of it. And she showed it to me this is what is listed Phildelphia docket 98xxxx file date 7/98 status date 4/99 chpt 13 dismissed source Tu ecoa I account J Phildelphia docket 99xxxx file date 7/99 status date 05/00 dismissed chpt13 source tu ecoa I account j Us bkpt ct pa phila docket 98xxx file date 7/98 status date 3-99 dismissed chpt 13 source xp ecoa i account j then the next 6 entiries read like this member docket number 99xxxx/98xxxx/96xxxxx dsp 5/00 file date 7/99 ver 7/02 chpt 13 dismissed and they all have the scource as ef These are no account that were included in fact all the account that were included in the chpt 13 have fallen off the credit reports.
  12. Posting for a friend her and her husband filed bk chpt 13 three times all three time the bk's were dismissed they were filed in 96,98,99 she showed me a credit report that was pulled for her by a friend that is in the mortage buiness, the report shows the following and its confusing to us -it looks as if they have 11 bk not 3.. Will the lender look and see that its only 3 and not 11 ? There were all dismissed within a few months of filling one becasue of a bad lawyer and the other two times they came into money and asked the tustee to to dismissed as tey had made payment arrangements with their creditors. Also how long do dismissed bk say on 10 year or 7 and is it from the date filed or the date dismissed.
  13. Ok i got a equfax report last month and filed a dispute and just got a updated report and found another mistake that was also on the report from last month but for some reason i didnot see it. This is what it says Providian date opened 3/99 date of last activity 5/99 date of last payment 4/2004 I never paid them in april of 2004--The last payment they recieved from us was probably in 1999 or 98. What shall i do.. Also in looking at this updated report i see that there is a entry from Sherman Acq. for the same account, who is sherman acq and why are they listing this tradeline?
  14. Ok just got dh report over the weekend And i think a charge off has been reaged but im not sure The tradeline reads like this Verizon wireless Mid ATL. Profit and loss write off updated 5-2004 opened 11/1994 closed 03/1998 Status as of 5/2004 charged off as bad debt Have they reaged this account?
  15. husband and i filed a chpt 13 (93)which was dismissed(93) and it is still on all of our reports it will age off next year. Its funny becasue all of the credit accounts that were included in the bk have fallen off right now he has a open account for ford motor credit and our mortage account, which are paid on time never late and to this day he cannot open a visa or master card becasue of the bk. Yet we had friends that filed a chpt 7 10 months ago and they have 4 credit cards and 3 open lines of creidt since they were discharged.
  • Create New...