creditclimber

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About creditclimber

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core_pfieldgroups_99

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    Oklahoma
  1. Divemedic: I've never heard this before. What rights do you lose by having someone help you? If I hired a lawyer to help me sue, I wouldn't lose my rights; why would a credit repair company cause me to lose anything? Not being prickly; I really want to know...I haven't read anything about this.
  2. Go thru the dispute process outlined on this forum. There's a flow chart somewhere...does anybody have a link? Since they are three years old, there's a good chance some will just come off when you dispute. The rest may take more work, but as old as they are, many of those records will be gone and it won't be worth it to the CA's to verify.
  3. Today I disputed over the phone with TU an erroneous foreclosure and negative reporting after a BK. The guy told me he would dispute it for me and in the meantime I should send in my BK papers (yeah, right.) I had run my free annual credit report minutes before. I ran it again minutes after using their 30 day free trial and the account was GONE!!!! COMPLETELY DELETED IN A MATTER OF 10 MINUTES...LITERALLY! Now if I can just get Equifax to do the same thing....
  4. I agree that there are a lot of bad credit repair companies out there, but like any business, they are giving a lot of the small guys a bad name. I choose to do my own, but there are companies out there that will either help you or just plain tell you they can't. I know a lady who's using Lexington Law. She says they're doing OK, but no personal service at all. To me, the measure is, what will they share about what they do? It's not a secret that you can do anything they can do, IF YOU HAVE THE TIME. If you choose to hire someone, ask them what they do and how they do it. If they lie or give you a load of crap about how tough it is, hang up. If they tell the truth, you have a decent shot at some help. I actually met a car salesman the other day who said he does credit repair! (He politely mentioned this when I told him I had a BK on my credit. ) We pay people for all kinds of things that we can do ourselves. Why not credit repair?
  5. I'm confused...my understanding is that the FCRA was modified to "establish a date certain -- 180 days after the start of the delinquency that led to the chargeoff" -- to begin the obsolescence period. This is quoted in several FTC Opinions. I understood this to mean that even if the debt was sold to another agency, it still can't be re-aged or reported 7 years and 181 days after that date certain. Am I missing something?
  6. Could also be that your credit file is maintained by CSC, an Equifax affiliate.
  7. I called TU to dispute the foreclosure on this account, hoping to get a faster response than in writing. She told me I could send in my BK papers and they would update it and remove the foreclosure. Now, generally, I know this is a bad idea, because the BK papers just verify the debt, etc...but in this case I figured it was better than having the foreclosure on there. Short story long, before I could do anything, I received an updated TU report stating that they completely deleted the account!!!! Experian is reporting IIB, so that's OK, and Equifax says Pays As Agreed but has Foreclosure in the comments. Will keep you informed.
  8. I didn't realize this was Ameriquest. That's who screwed me so bad, too. Suing didn't get me very far, but I think I would have fared better with a different attorney. You could try contacting a group called Save Your Home, LLC in Oklahoma. They specialize in mortgage fraud and supposedly currently have several cases against Ameriquest. They also recommended this website: http://www.msfraud.org/
  9. I would think that if you could prove the illegal stuff from the mortgage co that would go a long way. Somebody told me also that you have to have a court order from a judge to have a foreclosure removed from your credit report. I'd never heard that before and haven't seen on this site, but if there's a court case pending, you might be able to get one. Did the foreclosures actually take place?
  10. I've noticed that when Experian reports an account that was included in BK, it says "Discharged through Bankruptcy Chapter 7/Account Charged Off." It looks like their standard notation, not a manual one, but I keep reading that they can't report a "Charge Off" if the account was included in BK. It seems like it's their sneaky way of reporting it as a charge off by adding those words to the BK notation. How do I get them to remove the "Charge Off" part when the Included in BK (and everything else...date, 0 due, etc.) is correct and it's their standard notation?
  11. (I posted this under mortgages, but there doesn't seem to be a lot of activity there, so I'm trying again here...) In September 2005 we filed bankruptcy, including our mortgage. We also started Deed-In-Lieu of Foreclosure proceedings with the mtg co. and were informed in March 2006 by the mtg representative that she was recommending acceptance of our deed-in-lieu package, but that it would take a couple of months to process. In May 2006, we received notification that foreclosure had been filed by a mortgage company we had never heard of, never paid a payment to and to date has never been the mortgage holder of record on our mortgage. When I talked to my mtg co., they were completely unaware that the foreclosure had been filed. Evidently this mtg co. was the assignee...had purchased our mortgage from the orginal co., but we never confirmed that, even during our lawsuit. My attorney attempted to clear up the matter with the law firm who filed the foreclosure, but was unsuccessful, so we filed a counterclaim. Eventually, the matter was settled. My mtg co. agreed to a short sale on the house and agreed to dismiss the foreclosure and remove it completely from our credit report. But now my CR says "Foreclosure", "Repo" and "Foreclosure Redeemed" all of which they agreed to remove. They agreed to "account legally paid in full for less than the full balance" in our settlement. So the foreclosure was erroneous, but now that it's on my CR I'm trying to find the fastest way to have it completely removed. Their attorney is of course dragging his feet, but we've found a house we want and their incorrect reporting is screwing it up. So I guess my main question is: How does the reporting differ on a foreclosure? All other debts can only say "Included in BK" and no other history or derogatory after the filing date. Does this apply to a mortgage as well if the foreclosure was dismissed. NOT redeemed...dismissed as in never should have been filed. Any other case that gets dismissed never shows up on your credit report. Why is a foreclosure different? If so, I can go around the mortgage company and their attorneys and tell the CB's that it's incorrectly reporting. If not, what's the fastest way to clean it up so I can get the house I want?
  12. In September 2005 we filed bankruptcy, including our mortgage. We also started Deed-In-Lieu of Foreclosure proceedings with the mtg co. and were informed in March 2006 by the mtg representative that she was recommending acceptance of our deed-in-lieu package, but that it would take a couple of months to process. In May 2006, we received notification that foreclosure had been filed by a mortgage company we had never heard of, never paid a payment to and to date has never been the mortgage holder of record on our mortgage. When I talked to my mtg co., they were completely unaware that the foreclosure had been filed. Evidently this mtg co. was the assignee...had purchased our mortgage from the orginal co., but we never confirmed that, even during our lawsuit. My attorney attempted to clear up the matter with the law firm who filed the foreclosure, but was unsuccessful, so we filed a counterclaim. Eventually, the matter was settled. My mtg co. agreed to a short sale on the house and agreed to dismiss the foreclosure and remove it completely from our credit report. But now my CR says "Foreclosure", "Repo" and "Foreclosure Redeemed" all of which they agreed to remove. They agreed to "account legally paid in full for less than the full balance" in our settlement. So the foreclosure was erroneous, but now that it's on my CR I'm trying to find the fastest way to have it completely removed. Their attorney is of course dragging his feet, but we've found a house we want and their incorrect reporting is screwing it up. So I guess my main question is: How does the reporting differ on a foreclosure? All other debts can only say "Included in BK" and no other history or derogatory after the filing date. Does this apply to a mortgage as well if the foreclosure was dismissed. NOT redeemed...dismissed as in never should have been filed. Any other case that gets dismissed never shows up on your credit report. Why is a foreclosure different? If so, I can go around the mortgage company and their attorneys and tell the CB's that it's incorrectly reporting. If not, what's the fastest way to clean it up so I can get the house I want?
  13. Definitely dispute your unpaid collections before contacting them and offering to pay. So many of them will just delete without a backwards glance. Work on disputes for a while, then offer to pay the stubborn ones if you absolutely have to, but even then, strive for PFD (pay-for-delete), as mentioned by someone earlier. You can negotiate the reporting just like you can negotiate the amount to pay. I recently negotiated (via a countersuit!) with a mortgage co. to delete all references to my foreclosure and bankruptcy and show paid in full on my mortgage that was included in my BK. That case was extreme, but my point is, the reporting can be negotiated and don't let them tell you otherwise. They may refuse and that's one thing, but if they tell you they "can't" change the reporting, they certainly can. Creditors pay to report to the bureaus and they can report whatever then dam*ed well please. Of course, if it's a CA, you want them to delete the account completely. Reporting a collection paid won't help you and could possibly hurt.
  14. BigJohn: Sounds like it's time you established some credit to go with cleaning up your negatives. One of our local banks recently started a program called New Possibilities specifically for building and rebuilding credit. They offer an auto loan, a secured credit card (which is reported as unsecured!), and a CD loan (installment loan secured by a CD.) This gives three positive tradelines with a good mix of credit types. Of course, a mortgage is always good, too. Most mortgage lenders require three positive, open tradelines for prime, mainstream loans. See if you can find a bank that will offer one or all of these types of loans. The small, locally owned ones are your best bet. Even one more positive tradeline will go a long way towards building your credit and boosting those scores. Even with all your negatives removed, your scores will only go so high without some positive credit to help. I filed BK in '05 and discharged in 02/06. Right after discharge my mid-FICO was 485. One year later after doing literally nothing to fix my credit, my mid-score was back up to 600! It's because I have a lot of positive tradelines from before my BK to alleviate the rotten stuff. I'm hoping to get into the high 600's by next summer to buy another house.
  15. LadynRed (or anybody): Do you know where I can find the state statutes or some case law talking about BK7 being grounds to vacate? I have a couple of judgments that were filed DURING my BK after Motions to Remove Stay were granted.