lumburg

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Everything posted by lumburg

  1. Hello all, and thanks in advance for all the help! I have a couple of questions around the DV process as I am about to enter into it. First, if you have paid the CA already, can you you still DV and are they required to respond in the same manner as if you did not pay? Aslo, if I did pay the CA previously, then DV them, and they do not validate, can I recover the money I paid them in court? Finally, in most peoples expierence, do the CAs tend to respond to DV letters or do they largely blow them off? I am dealing with Jefferson Capitol and IC Systems if anyone has ever dealt with them. Thanks again!
  2. Hello all, and thanks in advance for all the help! I have a couple of questions around the DV process as I am about to enter into it. First, if you have paid the CA already, can you you still DV and are they required to respond in the same manner if you did not pay? Aslo, if I did pay and they do not validate, can I recoupe the money I paid them in court? Finally, in most peoples expierence, do the CAs tend to respond to DV letters or do they largely blow them off? I am dealing with Jefferson Capitol and IC Systems if anyone has ever dealt with them. Thanks again!
  3. First, I had a public record on my CR for a judgement that did not exist. I just got off the phone with the didtrict court that is listed on the CR and they confirmed that there is not a judgement and are sending me the documentation. I have disputed this with TU and EX but not EQ yet. My question is two fold. If any of the three come back as 'verified', do I have any legal recourse? And 2, does anyone have a rough order of magnitude that having a judment removed will do for a credit score. I know they are all differenct cases but I am around a 560. 10 points? 15? Thanks to all!
  4. I had done a combination report about 3 weeks ago and realized it was kind of useless for disputing stuff. I feel stuck here. I can dispute online with a TransUnion and Equifax but I can not get the Eqperian to work no matter what I do. Stuck!
  5. I literally went to equifax.com etc etc and slected to purchase credit report. When I did this, each one took me to a different website to actually order the report. Equifax is the only one of the three that gave me a 'confirmation number' and I have spoken to them. The other 2 did not. I went back a couple of days ago to the transunion.com etc etc to double check and make sure that I am not losing my mind (well, anymore than I have) and confirmed that these sites redirected me to somewhere else. Any ideas? Thanks!!!
  6. Thanks for all the great help so far to all the people here, this has been great! I ordered my credit repoerts from all three agencies online. I am tryiing to call but none of them will let me through with out a report number but I don't have one. This makes no sense to me since I ordered them through each ones respective websites although they do all out source this functionality. Does anyone have numbers to the CRAs that will allow me to talk to an actual person? Thanks
  7. which we all know means very little. I just found the whole situation odd. I appreciate the idea and I'm going to try that today. Thanks
  8. getting routed right to the CA? I had an account with Aspire Visa, it went to collections and I paid it. I am trying to DV the collection ow and called Aspire. When I did this, I entered my account number and all that, hit hte bumber to speak to a rep and it sent me to another telephone prompt. I entered my SSN and low and behold, I am speaking with Jefferson Capitol Systems, the CA. Now, did they have a good phone and billing system and know how to route me out of their network or is this a case of the CA and CO being the same company? I am a litle nervous about DVing them if they are that closely connected, they may be able ot get the information easily. Any thoughts from the experts? Thanks to all the help, I may have gotten a Public Record removed today thanks to the people here! Final queston, what is bumpage?
  9. I spoke with the firm that originally filed, they told me that there is no judgment, htey dismissed it after I paid in full. I called the OC and told them this. She said she will follow up with the firm, if they say they didn't file then she is going to notify billing to report to the CRA that that there is no judgement!!!!! Crossing my fingers but it sounds like I may have it removed!!!!! Any idea how much this will help a credit score jump roughly? I'm about 550 - 570 now with the big 3 Thanks again everyone!
  10. Since I made all payments before the date of judgement, there is no case? So, there is no judgement? Or, is it still a judgement since they filed and it is oly marked as 'paid'?
  11. lawfirm who filed are both being very helpful so far. The lender thinks that we can't vacate because it isa federal loan. She is checking. Should I just go ahead and file the order to vacate? I don't want to do anything to piss ethier off right now since both are being nice. Please advise what you think I should do here
  12. Thanks to all for so much help to date! I have one judgement against me on my CR and I am not sure if it is a judgement or not. When the collection went to judgement, I agreed to pay it before hand in two payments. The original court date was July of last year and I told them I could pay it by August. They agreed, took the first payment, and then moved hte court date to September. I made the next payment 2 weeks later which was the end of July/begining of August. They told me everything was fine and not to worry but now I have a judgement dated Sept 3. What can be done about this? It's for a Perkinson student loan if that makes any difference. Thanks
  13. I spoke with a OC corporate cc company today that I have listed as charge off on my CR. I just paid this about 2 months ago and the lady was very nasty stating that the only way it comes off is either wait 7 years or have my previous employer fax a letter stating it was their fault the bill was not paid and to remove the TL. My question is this, since I have access to coporate letter head and I know hte names of people from the old dept, do I just send a bogus fax to them and see what happens? Is this getting to much in the 'grey area' (wink wink)?
  14. OK, thanks to everyone for all their input in advance! I have been reading this board and trying to make sure I understand how to get paid collections off your credit report and I am still a little confused. I have two credit card charge offs. Both went to collections, both were paid. One of the collections companies never put it on my CR but the other did. If I am reading this board right, I can simply dispute the CA on the CR since they have probably deleted my records? Also, can I work something out with the OC to have my CR say "Paid in Full" or somethig like that instead of charge off? Also, I have old student loans that I consolidated. While I was consolidating htem, they went to collections and were immeaditly paid by the new lender. The old student loans are on my CR as "Charge Off" but no CA TL is on there. Can I simply dispute this as paid or not mine and have the TL deleted? Again, thanks for your help
  15. Sorry for the confusion. It is listed under the public records section so I beleive it is considered a judgement (I'm jsut trying to learn the termanology so sorry if I am mixing terms up). So, it sounds like I need to contact the attorney and have this vacated. Do they have to vacate it since I paid it in full before the court case? Do I need them to do this or can I do this on my own? Thanks again!
  16. OK, here is the history and please let me know what you think: I got a summons to an old address. Old roomate gave it to me. I called the law office and worked out a payment plan. They had court date of July and aggred to move it to Sept if I pad half, which I did. They moved the court date and I paid the remaining balancing before the sept date. What can I do? They aggred to drop it if I paid the balance. Thanks
  17. One more thing, I hada judgement served against me. I paid the entire bill before the date of the case yet it is showing up on my CR. Can I have this removed?
  18. that will probably seem pretty basic. OK, I forgot to mention that since this, AMEX has sent me a new card and I am in their good graces. I don't think they will be an issue. Also, how odes my credit get scored with the other CC and that CA? Will it show up ar paid and make my score go p or does it just stop negativly impacting my score? Same question for the student lon portion too? Again, this is a tremendo help and gretly appreciate taking the time to help a stranger
  19. First, hello to everyone and thanks in advance for any help or insight I get. I recently checked my credit through all three agencies and I found several errors on all three. I had student loans that I consolidated and Citibank was one of the previous holders of a couple loans. It seems that since my consolidation, Citibank has not updated my accounts to show them as zero balance and closed on one of the three agencies (Experian). Also, I had a credit card that went to collections in the amount of $531. I paid the collections agency $200, then the remaining $331 two weeks later. Now my credit report has the original credit card company with a past due balance of $60, and a past due balance of $331 from the CA. My final problem is a charge error from American Express. They are showing that I owe $1200 when I do not. It was from a corporate card I had then Ichanged jobs and moved. I lost the bill, it went to past 120 days and I got another bill. I paid the entire balance a week later. I sent a letter to all three CA asking for them to investigate all of these errors since I beleived them to be inaccurate. Now, here are my questions: Should I have sent documentation with my request for investigation? Will the CA just call these places and verify that these are paid? Will these be removed from my credit report all together? The student loans are older than 7 years so can I have those automaticly removed? What can I do to speed up the process of having this removed? I am trying to buy a house but want to clear this up before I apply for loans and get preapproved. Again, thanks to everyone for their help!