• Content Count

  • Joined

  • Last visited

Everything posted by billyg35

  1. I sold and payed off my Mortgage in 2016. I did have a " Deferred Amount" to also pay off due to some financial difficulties many years back. My question is this considered interest?
  2. Have and older Citi card account that was charged off in 2010. Got the collection letter from Northland Group this past july. I sent them a Dv letter and they responded by sending some very old statements from 2007 and 2008. Also a “Bill of Sale Assignment” from Citi bank. My question on this letter is that no where on it does it reference any of my information?? My name, DOB, account number with Citi.. should I ask them to provide this on this “Bill of Sale Assignment” due to the fact it has no information about me on it???
  3. I live in Michigan SOL 7 years I'm guessing Aug 2008. due to the statement of Date of first Delinquency 08/2008 on the report
  4. This just showed up on my Equifax account... I believe it is for an older Citi Credit Card that the SOL will be up in Aug of this year. On the report it has this information Security Credit Services Date opened 12/2/2013 Date reported 01/16/14 Date of First Major Delinquency Date of first Delinquency 08/2008 I have never received any letters or communication from them?? Not sure where to start???
  5. I had the same problem on an account that was charged off. I sent TU a copy of their report showing the listings two times. They sent the new report showing the account one time and a statement the account was deleted. I waited 30 days and got a new report and sent in the statement about the account being deleted Needless to say I was real happy when they responded by deleting the 2nd of the two!!
  6. Publication 908 Form 982
  7. I have had luck when I request it in writing to the creditor
  8. I Disputed it after I was current with DTE and TU deleted it
  9. Failed Bank Information - First National Bank of Nevada, Reno, NV July 25, 2008 This Bank was closed by the Office of the Comptroller of the Currency (OCC). Subsequently, the Federal Deposit Insurance Corporation (FDIC) was named Receiver. All deposits have been assumed by Mutual of Omaha Bank, Omaha, NE. Failed Bank Information - First National Bank of Nevada, Reno, NV Failed Bank Information - First Heritage Bank, N.A., Newport Beach, CA
  10. You will also have to read threw this Publication 525
  11. I need a little help understanding this part of 623(7)?? Please explain the last part on "COORDINATION WITH NEW ACCOUNT DISCLOSURES" at the end of this post?? (7) NEGATIVE INFORMATION- (A) NOTICE TO CONSUMER REQUIRED- (i) IN GENERAL- If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603(p) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. (ii) NOTICE EFFECTIVE FOR SUBSEQUENT SUBMISSIONS- After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603(p) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. ( TIME OF NOTICE- (i) IN GENERAL- The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603(p). (ii) COORDINATION WITH NEW ACCOUNT DISCLOSURES- If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127(a) of the Truth in Lending Act
  12. On my Experian report I have a charge off from Spiegel (CPC). Ex has it listed 2 times. The main difference is that one lists the charge off and the 2nd does not. Also under account history the number of days late are totally different from one another??? The contact address from spiegel is the same on both.. Is this normal??
  13. I like the way they also have a weekend day or a holiday as the due date> my next payment is due on 07/04/2008 if i go to pay it on the 3rd it would not apply until the 7th
  14. I have a joint checking account with my son. I ended up on chexSystem with a different bank. My son is not on that account. They told my son verbally and in a letter they were closing our account due to me being in Chexsystem and the name of the other bank involved and the situation with with that bank.. Are they allowed to give that information out about me to a different person?
  15. I know they are in Tx. they were real helpful to me!! I live in Mi!!
  16. I have an old checking Account I closed in December of 2005 I did have a (-$275.00) balance but paid it off. I'm really confused on how this report reads. I disputed 2 things, first the wrong date? and second how can something be Charged off with $0.00 written off?? It came back as verified. What is my next step? Any Ideas would be helpful?? Thanks Bill Status: Paid,Closed/Account charged off. $0 written off. Date Opened: 09/2003 Type: Deposit Credit Limit:NA Date of Status: 06/2007 Terms: NA High Balance: $38 Reported Since: 04/2007 Monthly Payment:$0 Recent Balance: NA Last Reported Date: 06/2007 Responsibility: Individual Recent Payment: NA Your Statement: NA Creditor's Statement: Transferred to recovery. Account History: Charge Off as of Apr 2007
  17. I had a charge off with my Credit Union of $1380.00 Which I paid in full 2 months after the charge off date. I have had luck getting it off Equifax and TransUnion!! With Experian not as much luck. I disputed it by saying it was paid in full. They did not show that on the report. They came back that the: Credit Union verified the information was correct. So I sent Experian a statement and letter to show them it had been paid. Now Experian has updated the report with the Credit Union still in the "potentially Negitive items" as Status: Paid, Closed/Account charged off. $0 written off Creditors statement: Transferred to recovery Now that they say the Amount $0 written off (which was the $1380) What should I do next about the amount showing as $0 written off?? Any ideas on how to respond to this to Experian??
  18. I have 2 First Premier cards (I know!) I had been paying down my balances. I checked my balance on the phone and both say I have a -0- balance. both had a balance of about $300.00 Then I checked on line and it says the same thing for both cards? 0 balance and $500 credit limit with $500 available.. I have been checking for 5 days now and the same story. Checking the history on line it does not show how I got to $0. One strange thing I can find is that they both have the same statement date now. Before it was about 2 weeks apart. Anyone else come across this with FP
  19. 452 5th Ave. New York, NY 10018 This is the corp address
  20. I would file a complaint with The Office of the Comptroller of the Currency. go to this link and it will help you thru it. Chase may end up just remove it from your credit reports.. I have used the OCC to help on getting chase to remove "lates" on the CR's
  21. I closed my Checking account with National City Bank. They asked if I wanted the balance of about $50.00 transfered to my credit union or a check.. I asked them to transfer it via ACH. They did the transfer on 1/6/06.. Now on 1/18/06 the take the money out via ACH with out a call or letter on any notice .. All my outstanding checks and withdraws had cleared way before so nothing was outstanding.Do they have any right to do so ??? They have not given me an explanation?!?!??! Now I know why never give out the routing and account number....
  22. They checked Transunion and said I have a resent charge off?? I have had a few problems in the past but no charge offs?? Ask for my report and had none??!?!? Transunion score 665
  23. Under my Chase account which is closed and noted as paid or paying as agreed. In the remarks they have (DISP RSV/ CRMR DSG /CNSM CLS) What does this all mean???