bkaa

Members
  • Content Count

    14
  • Joined

  • Last visited

Community Reputation

10 Good

About bkaa

  • Rank
    Newbie
  1. I have an Amex CO due to be removed from my CR in April 2008. Can Amex continue to report this account even after 7 years, and I work with Amex to pay my debt.
  2. bkaa

    Amex

    o if one participates in the Oasis program, do you have to pay the debt in installments or one lump sum?
  3. So can you have a CO deleted from your CRA if the SOL has passed? Does anyone have a sample letter?
  4. bkaa

    Amex

    So if I participate in this program, will the CO be removed from my CR?
  5. bkaa

    Amex

    I had an AMEX CO scheduled to fall of my CR in 4/08. I decided to run this out, but just got a letter from AMEX asking that I settle the past due account in full and regain card membership. Should I settle the CO or just wait for the information to fall off in 4/08? What is the advantage since I have had this reported for almost 6 years? Advice needed.
  6. I settled an account with Chase in 2003. After reviewing the documentation, I see that my account was sold to Titan Recovery (and that I actually settled the account with Titan). Is it advisable to DV Titan?
  7. 1. I have a Chargeoff that Transunion lists "estimated date of removal" as July 2007. I recently got my credit report and Transunion still shows the chargeoff. What should I do? 2. I received a letter from NCO Financial that they have instructed all 3 CRAs to remove an entry, but the entry still shows on my Transunion report. Should I send a copy of NCO's letter to Transunion and file a complaint with the FTC? Thanks.
  8. I recently pulled my CR and Sprint was listed on there with a zero balance. A CA also lists the same account with a balance. I asked the CA to validate the debt and they send me a letter to pay off the amount. I asked for Sprint's number and the CA will not give it to me. I have sent a "cease and desist" letter. Can a CA list an account that does not exixt in the OC's file? What should I do?
  9. 1.I paid 2 NCO accounts (before I found this website) and yet a CA (Franklin Collections) is still reporting my account as derogatory. How should I approach this? 2. I disputed 2 Amex accounts with Equifax and received a letter from CSC (an Equifax Affiliate) that the accounts have been deleted from my credit file, but they still show when I pull my CR. Is the CSC letter credible? 3. I disputed a Duke Power account with the Compliance Dept. at Duke Power. 3 CAs are currently reporting the same account as derogatory. What should I do? 4. I recently disputed some items with Equifax. They repl
  10. 1. I paid 2 NCO accounts (before I found this website) and yet a CA (Franklin Collections) is still reporting my account as derogatory. How should I approach this? 2. I disputed 2 Amex accounts with Equifax and received a letter from CSC (an Equifax Affiliate) that the accounts have been deleted from my credit file, but they still show when I pull my CR. Is the CSC letter credible? 3. I disputed a Duke Power account with the Compliance Dept. at Duke Power. 3 CAs are currently reporting the same account as derogatory. What should I do? 4. I recently disputed some items with Equifax. The
  11. bkaa

    CRA Letter

    I disputed AMEX CO with CRA. EXPERIAN SENDS ME A LETTER WITH THE FOLLOWING: Source: Amex Date Opened: 11/1999 Reported Since: 1/2001 Chargeoff: 11/2001 Date last Reported: 1/2004 (Is this re-aging?) Creditor Statement: Account closed at grantor's request How should I handle this?
  12. I recently disputed 2 COs with the 3 CRAs. I received a letter from CSC (an affiliate of Equifax) that the 2 Accounts "have been deleted from the credit file". However, I pulled my CR from TrueCredit and the 2 COs are listed as chargeoffs. Any thoughts? Is CS credible? I also disputed these 2COs with Experian, and received a letter that one of the accounts is "updated" and the other "remains". What do these mean. I am sending a PR for both accounts. Help!
  13. One CO was opened in 1996, and the CR says "Date Reported" is 2001. The other CO was opened in 1999 "Date Reported" is 2000, and the other was opened in 2001 "Date Reported" 2003. Does this mean the charge offs occured on the "dates reported"? I got 2 CAs to remove negative info this morning. I am waiting on the fax confirming this. Just take action! This site really rocks. Wish I found it sooner.
  14. I have 3 Charge Offs on my CR. I am working on improving my credit. How should I approach the charge offs?