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About slynbrown

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  1. The program is too good to be true and I am gald that such a program exits. I am currently building my home through NACA with a 5.25 interest rate in TX. There were no income or location requirements. I am just waiting on my home to be completed so I can close. I also got the builder to give the preferred lender incentives because I was approved via Bank of America. (Generally, the only give the incentives if you go through their lender) It's on an honor system. However, considering that they provide you with such a great interest rate I find that it’s just a small price to pay. A person spoke
  2. I guess that is my question. If I pay it will it item be reported as a paid collection after the payment is recieved or if I dont pay it then it would be a slight chance that the item will be reported as a unpaid collection. Or could I put some type of disclaimer on the payment to not have the item reported on my CR. Does anyone have an answer?
  3. I have a small phone bill about 3yrs old that I have not paid. The item has been transferred to two different CA that has showed up on my CR. I have been lucky and I disputed them both and they have came off. This is now the 3rd CA and I want to pay for it so it wont keep popping up on my CR but so far this Collection Co NCO has not reported the item. They sent me a settlement ltr to pay $117 which is a 50% discount. Should I pay the item and is there some type of disclosure or letter that I can send with the pmt saying that once the payment is received they cant report it or somthing like tha
  4. I have a charge off from Conn’s which is reporting as a Charge Off as Bad Debt (Profit and loss write-off) The amt is 2,231 and the debt is 3 yrs old which is within the SOL in TX. They are not calling me or sending any letters, however I just want to see what is the best way to settle the debt in order to obtain a mortgage loan later this year? I have disputed twice and it came back verified and I cant DV because it is an OC. A girlfriend who use to work for them stated they will settle for 50% but won’t delete. Please advise because I do understand that an paid collection is just as bad as u
  5. This happen to me and I disputed both accounts at the same time indicating that they are duplicates and should not be reported and both were deleted.
  6. I checked my CR today and found out that Allied Int Collection is no longer reporting on my EX CR but it is on TU and EQ. The funny thing is I was going to ask the board on how to handle this collection but know I am even more confused. This is an old Orchard card that was charged off which I now have a new Orchard card. I disputed with CRA that I have a current account and I dont have a CO and the OC (Orchard) is no longer listed. I just found out that Allied re-aged this item and TU has 10/20012 as the date to come off report. 1) Do I dispute and DV? 2) What do I do about the reaging?
  7. I currently have been with my bank for about 3 years and I like that fact that they are open 7 days a week, offer overdraft protection and secured loans that report to CR. However, I would like to buy a home at the end of the year and I want to know it is to my advantage to establish a relationship with a CR not to mention I am currently doing credit repair. I am looking to open an account with first community CU in TX. 1) I was thinking about opening an account with the CU to obtain credit but does this matter if your credit is not that great. 580 avg scores 2) I have less then 1 year to pay
  8. I changed telephone service and moved about a year ago but I just received a letter last week from CA. I am worried b/c Allied just purchased a larger collection about 2 months ago and is reporting to CA and and if I contact them they will report the smaller debt as well. I will DV and dispute the larger debt (which is another issue) but I dont wont to have an issue with the smaller one becuase I can just pay the item. I am not sure if I can contact OC becaue it was AT&T which was purchased by SBC which is my current service provider
  9. I have a collection for $69 from Allied Interstate that is not reporting on my CR and I just received a letter. I simply forgot about an old last telephone bill. If I pay will it show up on my CR? I am trying not to have a new collection.
  10. If people with bad credit are more likely to file a claim then place more weight on how many claims that person has filed. People like me get the short end of the stick. (Bad Credit Person) I have never had a ticket/accident or claim and when my insurance co went to credit scoring my premium went from $92 to $127 and I have been with them for 5 years. The worst thing it makes no since to leave because since I have been shopping for new ins co the rates have came back the same.
  11. I applied online and they sent me a letter in the mail to pay the $30 annual fee in advance. I believe it indicated that is was a rebuilder card in the letter but I dont know my CL. My FAKO on EX was 606 but I tried 6 months ago my FAKO was Mid 500's and I was declined.
  12. I started deleting my old address with EX and they would not delete any of my old address that were tied to a TL. I disputed because a NEG TL was tide to my CR which was truley someone else with the same name. The funny thing is they would not delete the address until I got proof that this was not my account from the CA. They only deleted the address after the TL was deleted. I currently have a TL tide to wrong address and they wont delete the address because the TL exist. ? ?
  13. I just experienced the same problem with experian. An account is tied to a wrong address and they wont remove the correct old address or incorrect old address if it is tied to an account. I think that this is their way of verifying collections as well. The rep at Experian told me that she wont remove the tradeline as long as the account is on my CR. Let me know if anyone has an answer to this problem.
  14. I know this is long I am sorry but..... I recently sent a dispute to experian explaining that this debt belongs to a different person with the same name but different middle names. (found out once I researched) The other CRA removed item except Experian. I also called the CA and asked why did they verify wrong info and they stated they didnt they told CRA that it was a different person and the previous address was also different then my previous address. The problem is I have several different names variations and address on file with experian. I previously disputed personal info online but