lucyricardo

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Everything posted by lucyricardo

  1. Also wanted to add they have no contract or anything from us in writing. Just the bill from the owner of the company.
  2. I sent a collection agency a DV request after they "verified" with the bureaus. It's a bill from over 5 years ago for a service business who took care of our pets though we had a disagreement on their bill and she sent it to a CA. The company is no longer in business. Not sure what to do as they "Refused" the certified mail and never opened it. Would scanning the envelope and sending as an attachment to the bureaus help? Thanks!
  3. Thanks, @ BV80. I was able to finally get somewhere with Sprint. I threatened to file against them in court unless they provide me my final bill. Spoke a week ago and they claim to have mailed it out but I'm still waiting for it. I have a transaction ID so if I don't get it this weekend I'll keep calling. I'll hopefully get this and send it to the credit bureaus and see if I can get them to remove it. Thanks for responding!
  4. I'm having the same issue with Enhanced Recovery Corp. They are re-aging an old Sprint bill from 2008 and claiming the DOLA is 2012.
  5. I have an old Sprint bill, DOLA summer of 2008. I went into a Sprint store last week and this info was confirmed by their rep and also via a phone call to their credit department. Enhanced Recovery Corp out of Florida is listing the DOLA as 2012. I've disputed and they continue to "verify" and additionally, I asked Sprint to provide me with documentation stating what their rep said or a copy of my final bill and they won't do it.....they just keep routing me back to Enhanced Recovery Corp. This account is supposed to drop off in 90 days but because of their reaging of the debt, it's stating it won't come off now until 2019. This is my last collection account on two reports and it's preventing me from obtaining a mortgage (current FICO is 601). Any ideas from you experts out there? Thanks so much!
  6. I sent a DV letter to Credit Control Corp. in reference to an item from phone bill from 5 years ago that they just put on my CR for a few hundred dollars. They sent me a copy of the "Original Work Order, Service Address Listed" from the phone company. Also, a letter stating that the received my DV letter and that they have verified that the debt is valid and the balance is correct as reported. Also, a "statement of the balance owed is attached." It continues to state that if I'm "claiming fraud" on this account, I NEED TO PROVIDE THEM with the following proof of residency: 1) Mortgage Statement or Rental lease that covers the dates of service this bill was incurred. They also must cover the date of installation through the date of disconnect. 2) A PICTURED copy of an ID that includes my SS number and address. If the DL doesn't include the SS #, I need to send a copy of that too. 3) A utility bill that covers the same dates listed in Item They claim this "work order" is sufficient but there is no mention of the Original Creditor on this "work order." The work order is a bunch of internal numbers and gibberish. It doesn't list my entire SS#, just the last four. Any suggestions????? I had PERFECT credit after years of repair and now American Express has lowered all of my credit limits after their "monthly account review" showed I had this on there. Also, we are trying to buy a new house and I cannot be on the loan because of this. Just my EXP score went from 766 to 634!!!!!!!!! Thanks in advance for any help you can give me, I'm feeling pretty despondent about this whole situation.
  7. It was placed on by American Agencies and reinsterted by American Agencies. I did not DV them the first time (in spring of '04). I just disputed as not mine and it was deleted. Thanks!
  8. I have a reinsertion on TU for an American Agencies account (it says it's a Pacific Bell account). It was removed in May of 2004 but was reinserted in September. I sent TU a CMRR reinsertion letter, they got it on Friday. The date of last activity is March of 2000, it's in California. With the SOL being 4 years for open-ended accounts, are they able to reinsert this legally? The SOL expired over a year ago now. I have not yet sent them a DV letter. I thought it was best to try to get TU to remove it due to reinsertion. Any suggestions? This just screwed up the refinancing of my house. Also, here is how it's being reported: Creditor Name: AMERICAN AGC Account No.: XXXXXXXX Original Creditor: 05 PB PACBELL Responsibility: Individual Condition: Derogatory Original Balance: $303 Balance: $591 Date Opened: 10/17/2002 Date Reported: 09/01/2005 Remarks: [TransUnion] Account information disputed by consumer, meets FCRA requirements
  9. I had an old collection account from Asset REMOVED from Equifax last September. I got an Alert E-mail that it was re-inserted today, it's the same account number. Should I call Equifax tomorrow and tell them they didn't notify me of re-insertion? I DV'd Asset for six months last year, they did NOTHING. I don't know what I should do. Should I try to dispute on Equifax or send Asset another DV letter this year? THANK YOU
  10. I think you are approved. I agree, to be turned down for the secured OB card, it's kinda unheard of!
  11. I really, really need advice on this so please someone, help me! I have a 4+ year old Sherman charge-off (now LVNV funding), DOLA spring 2001. I am buying some new real estate and they are requesting it be paid off when escrow closes. The deal is, the amount they say I owe is around $4000. My lender said, as long as I have the escrow company cut a check to them, it will be considered paid and then, I just don't have to mail it in. I am trying to prevent the DOLA from starting over when it's paid and then showing a PAID COLLECTION on my CR's. My question is this: Should I try to negotiate with Sherman for a lesser amount and then ask them to write a letter stating the amount and that once it's paid, they will remove it from my CR's? OR, do they not do this? Or, do I negotiate a lesser amount and then just not send it in like my lender suggested. I do not want to pay it to them unless they will remove it from my reports. AND, if I were to negotiate with them, how do I go about doing it? I had tried DV with them last summer and after four months and countless letters got an Affadavit of Debt as their "proof". What will their actions be considering it's 4+ years old? I have addresses in three states on my CR's and the statue of limitations has already expired in two states. The one I lived in when I GOT the card, is still active but the state I lived in when I defaulted on the card has expired. PLEASE, PLEASE, help!! Thank you so much in advance
  12. In the past two weeks, I've applied for: 1) Citi AA Platinum MasterCard 2) Banana Republic Card 3) Patelco credit card 4) BMW Financial 5) Bank One MGM Mirage VISA NOT ONE INQUIRY has shown up on my reports. I have a ID victim/fraud alert so I wonder if they are being listed as soft pulls instead of hard? I have already been approved for the Citi card, Banana Republic and BMW (picking up my new X5 SUV on Friday afternoon!). Patelco said no because I didn't have enough history with large credit lines (give me a break) and Bank One requested ID verification, am sending them copies of documents. WHAT GIVES? I have CreditExpert, TrueCredit and CreditWatch and not ONE is showing any new inquiry!!
  13. I applied for a MGM Mirage Visa Platinum card Bank One/Chase on May 31. They sent me a letter on June 3rd asking for proof of address (copy of phone bill) and a copy of my SS card. Does anyone know, if this is good news maybe? Doesn't it seem if they were going to outright decline me, they wouldn't be asking for this information?
  14. This is a subsidiary of Sherman. My Sherman accounts were deleted and then reinserted as LVNV.
  15. My last baddie disappeared off EXP (Sherman $4K charge-off from 2001), it's still on EQ & TU (NO CLUE WHY IT CAME OFF EXP) so I applied for a Citi card, hoping they would pull EXP and they must have b/c I got a conditional approval message for an $8K CL. I called them and they said I needed to fax a current utility bill in because they couldn't verify my address (new house as of Oct. 04) and I faxed it already. I hope to get the card in 7-10 days! NEVER, NEVER, NEVER did I think I would get this card. The only CC I have is a 18 month old Orchard Bank card with a stupid $300 CL. Maybe buying my house helped, I'm not sure. I think my score was around 725 but I'm not sure, I can't check it on myfico.com. I have been a "credit risk" since college (28 now) and I'm beyond thrilled that I have this card now to prove myself again.
  16. Im in Arizona now. I never know what SOL to look at because I keep reading that they can sue you in whatever state you originated it. (CT) The DOLA is 5/2001 Providian shows only on my EXP report as EMERGE/PVN charge-off They sold to Sherman in 4/2003, Sherman is showing on all three reports. I've sent Equifax the No Bond cert. from Texas and they did nothing. I aslo sent the copy to Sherman as ONLY on EQ does it give the Houston address for them. The other reports it shows SC. Yes, this is the only negative I have left (others were removed by disputing and DV). I'm in the process of refinancing my house plus buying another investment property and my lender told me yesterday that I have to take care of Sherman, however which way, before we can do all these things. THANK YOU SO MUCH FOR YOUR HELP, I don't know what else to do.
  17. I've decided just to settle my 4 year old debt rather than go through life with no credit cards and be turned down for real estate loans I'm trying to obtain. They say I owe $4,023 and it is for an old Providian account, DOLA 5/2001.(Already own a home but am trying to do other projects, etc.) Here are my questions: 1) How do I go about settling? 2) Does Sherman do "Pay For Delete"? 3) Any advice? PLEASE HELP ME!
  18. I started sending the letters in June. They did not send me any letters EVER. I saw it on my CR first.
  19. After six months or no response to DV, Sherman sends me their "Affadavit of Debt." I need to tackle this now so how would you recommend I respond? I want to file against them but I haven't responded to their Affadavit....What violations do I have them here on?Here are some details plus how it's showing on my CR's: EQUIFAX: Account Type: Open Account Acct: Status: Open Date Open: April 2003 Balance: $4,212 Terms: N/A High Balance: $3,847 Limit: N/A Past Due: $4,212 Remarks: Consumer Disputes This Account Information Payment Status: At least 120 days or more than four payments past due EXPERIAN: Account Type: Unknown - Credit Extension, Review, Or Collection Acct: Status: Closed Date Open: April 2003 Balance: $4,300 Terms: 1 Month High Balance: N/A Limit: N/A Past Due: $4,300 Remarks: Account in dispute-reported by subscriber Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department TRANSUNION Account Type: Open Acct: Status: Open Date Open: April 2003 Balance: $4,300 Terms:N/A High Balance: $3,847 Limit: N/A Past Due: $4,300 Remarks: Account information disputed by consumer Payment Status: Collection account * I have sent letters dating back to June which went unanswered * They have not responded to my DV request but keep updating the bureaus. They have sent me ZERO information regarding documentation for the debt. * I sent them the Certificate of No Bond from the Texas SOS which they ignored. * Someone called Plaza Associates keeps pulling my TU report. I believe this is associated with Sherman because they got a new address of mine, which I didn't provide, where they sent the Affidavit of Debt. They are continuing collection efforts while not providing DV. * I also sent the Certificate to Equifax (only bureau it's showing the TX address for Sherman), they did nothing. * This account is preventing me from doing things with real estate but I don't want to pay it and start the DOLA all over again. I just bought a home in October but I want to do an investment property, lot/construction loan, etc. I can't get this (as of yesterday, the lender said my scores are TU: 743, EXP: 674, EQ: 699) without taking care of Sherman he said. * The DOLA is 5/2001. * I have disputed COUNTLESS times with EQ, EXP and TU. They will not let me dispute anymore, claiming it's "frivolous" or has been "previously verified."
  20. After settling into our new house the past couple of months, I'm ready to take on Sherman now. It's the last baddie on all three and the OC EMERGE/PVN is on Experian but not TU or EQ. Now, Sherman keeps sending me "Affadavit of Debt" paperwork signed in South Carolina under notary. I'm not sure what to do next. Does anyone have any suggestions? After four months of no reply, this is what they sent in reference to my DV requests. Happy Holidays and thanks in advance!
  21. I sent a no bond certificate to Equifax and a letter, also, one to Sherman and Equifax wrote back stating they couldn't use the information I sent them and Sherman didn't respond. What do I do now? This is for a CO CC from 2001 DOLA, with collection fees, they say I owe about $4K. THANKS
  22. After three DV letters and one ITS, Sherman sends me an Affadavit of Debt with a notary seal. Anyone else have the same experience?