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momof5 last won the day on June 10 2014

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500 posts and hasn't been banned yet....

500 posts and hasn't been banned yet.... (6/6)



  1. Sorry for the delay.... First off, if a loan is a good tradeline, it will stay on for at least 10 years and that is a good thing. If it is a derog, it should have been deleted with that DOLP. Go online to dispute at each individual CRA. If there is an "obsolete" choice, select it. If not, select "other" and type in "Obsolete. Too old to report" and submit. Should be done within a short period.
  2. Dispute as obsolete. They will most likely be gone in a day or 2.
  3. I agree with willingtocope. Your derogs must have been very old. I have no CAs left, CL's that are 5 digits, a few accounts with some lates from 2.5 years ago and it has taken the last 18 months to get from 498 FICO to 702 (TU), my EQ/EX are 686/688. The Midland accts are pretty high with 2 matching COs? Doesn't make sense. In the meantime, congrats on your success!
  4. Patience grasshopper! I know the feeling. It took my last CA 3 weeks to delete! You will get there and NO it will NOT take 120 days.
  5. Technically you still owe the debt. The 1099c was because they have deemed it uncollectible. How old is it?
  6. Yeah, use the card and two months after paying it off, hit the luv button.
  7. These should be easy deletes. You could go online and dispute as "obsolete". *poof*
  8. Send an ITS. Tell them that they never paid you a dime and the 1099-M is fraud! That will get their attention. Tell them you want proof of payment being made, to whom, where it was sent and proof it was cashed.
  9. Let's try some imaginary numbers.... Say you were behind by 3 months and you had a past due amt of $100. You enter into DMP where the OC agrees to accept $20/mo for payment where min would have been $33. Your DMP pays $20 every month on time. You are STILL 90 days late because that past due amt is still sitting there. Even if your DMP sent them $100 then $20, the original agreement was for $33 so each month you pay less than that, it goes late. One of the many reasons why DMPs are a bad idea.
  10. WRT to the above post, A paid collection is NO BETTER than an unpaid one for FICO scoring. It MIGHT make a difference if you are looking to get a loan - ie: mtg. You can never get away from the student loans, so they need to be addressed. Even BK won't "fix" those. You have 2 options with the SLs... rehab which will take 9 - 12 months or consolidate. If you consolidate, your prior loans will have a zero balance and you will have a single loan that is current to make payments on. If you file BK, your income will determine whether you can file a BK 7 or BK13. A BK13 could keep you in BK for 5 years while you make payments. You will not be able to obtain credit during that 5 year period. What state do you live in? What is the SOL on debt there? If you are past SOL, your best option....if you have the $... is to settle the debts to prevent them from turning into judgments. Who has the debt (what CA?)? We need a bit more detail to let you know best course of action. edited to add: Your profile says that you live in CA. The SOL there is 4 years. Until your default is past 4 years, it would not be wise to kick that sleeping bear. Once the 4 yrs have passed, you are in a much better position to negotiate a PFD or a settlement. In the meantime, you can be saving the $ to pay an agreements you make. GET EVERYTHING IN WRITING and do NOT do any negotiating on the phone! Welcome to the forum!
  11. Not to mention the legal bills if the ex decides to be combative. One divorce I had cost me $72,000.00 for the divorce costs! Yep, it destroyed my credit. I had to file BK. Of course the deadbeat never paid his child support. This was a divorce where we sat down before we filed, agreed to everything, I drafted the divorce and filed Pro Se. Deadbeat's GF told him to check out an atty first. He did. Decided to fight me for custody. In the end, he didn't even get visitation rights. His half of everything was long gone. He went 16 yrs without contacting his children. He did it because the divorce atty told him he could get $1464/mo in alimony and $750 in child support. Back in the day, he could have lived comfortably on that amount. You never know what is going to happen until it does.
  12. What are the DOFD's for these accounts? If the OC had deleted, it might be beyond Midland's ability to report this.
  13. First of all, you will get more information if you post the actual tradeline minus personal data. With some CAs, a simple dispute with the CRA is enough to send them packing. With others, you could be waking a sleeping giant. For judgments, who is the OC? Who sued? When? Was it a default judgment? How much?
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