CreditPhilosoper

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About CreditPhilosoper

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    A Home is 80 points away

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    Ohio
  1. Thanks for your advice Shortbus I don't think it was a federally backed student loan. It was a 'Short Term Loan' from the university. I know the Attorney General's Office has other things to do but General Revenue doesn't. :) I would like to pay a small amount monthly but to the Attorney General and not General Revenue. I'm afraid if I call the AG they will send me back to General Revenue. What to do?
  2. Hi All, I hope someone can help me with this one. Before I found out about this forum I made payment arrangements with a collector (General Revenue Services) for my wife. The are trying to collect for a short term loan I got from 'The Ohio State University'. The loan was for $3,000 and now they say she owes $6,000. Anyway, we have been making regular payments for months now and this month we noticed nothing came out of our account. The next day they called to say that the payment did not go through and that now they wanted the full amount. They refused to take any other payment and now they are threatening to garnish her wages. Questions: 1. They can't garnish wages unless we go to court, right? And if her wages get garnished is there a cap on what they can take out each month? 2. Can we call the University (or in this case the Attorney General's Office who I think the debt has been passed to) to make arrangements with them? 3. Are we defenseless if we go to court given the fact that we already made payment arrangements? We do not have over $5000 to give to this agency. The guy told us we should get a payday loan, that devil!!! 3. We told them today not to call her at work and the guy said he 'noted' that 'request'. I am going to send them a cease and desist letter as I was advised by someone else. If they continue to call what can we do?
  3. Hi All, I hope someone can help me with this one. Before I found out about this forum I made payment arrangements with a collector (General Revenue Services) for my wife. The are trying to collect for a short term loan I got from 'The Ohio State University'. The loan was for $3,000 and now they say she owes $6,000. Anyway, we have been making regular payments for months now and this month we noticed nothing came out of our account. The next day they called to say that the payment did not go through and that now they wanted the full amount. They refused to take any other payment and now they are threatening to garnish her wages. Questions: 1. They can't garnish wages unless we go to court, right? And if her wages get garnished is there a cap on what they can take out each month? 2. Can we call the University (or in this case the Attorney General's Office who I think the debt has been passed to) to make arrangements with them? 3. Are we defenseless if we go to court given the fact that we already made payment arrangements? We do not have over $5000 to give to this agency. The guy told us we should get a payday loan, that devil!!! 3. We told them today not to call her at work and the guy said he 'noted' that 'request'. I am going to send them a cease and desist letter as I was advised by someone else. If they continue to call what can we do?
  4. Robert, Thanks a lot for your response... I will write them a letter requesting that they stop calling me at work. I will start from there and see what happens.
  5. Do you think that will work here in Ohio? Are there any laws that can protect us from these people?
  6. Hi All, I have a question I hope someone will be able to answer. My wife keeps getting calls from General Revenue at work. We made a deal to make monthly payments and they call her every now and then to see if she wants to re-negotiate and pay more. This is very embarrassing for her. She would rather them not call her @ work but @ home. If possible we would have them write instead of call. Is there anything we can do in terms of forcing writing them a letter requesting that they only call us at home or by mail? Thanks in advance,
  7. GMAC Mortgage ran my report and they were exactly the same as myfico.com.
  8. A mortgage broker told me that the score I get from MyFico.Com may be different than the score he pulls from CBC CREDIT SERVICES. He says that different industries use different scores. Is the score I see on myFico.com different from the scores the mortgage broker will pull? If so, how far off is it normally? Thanks
  9. Wow... That is very strange.... Credit Repair is a game of chance... sometimes you win, sometimes you loose. The key is to have as much information and patience as possible. The suits may actually work in your favor. Don't loose faith. You need to answer the suits. What were the balance on those accounts?
  10. ++ And another one bites... another one bites... another one bites the dust.... Got rid of another collection today from TU. Started out with 8 collections average, now I have 2. One of those expires February of next year. I'm celebrating even though I am still distance away from my goal of 620. I'm hopipng to start looking for a home in October. Pray for me
  11. Thank you both for the encouragement and advice. I've been at this for the past year. This board has helped me to not only improve my score but I am now learning the importance of money management. At the begginning of the year I started out with 8 CO's. Now I have 3. I have all my cards under control now but the utilization is still 70%. My plan is to have that go down to 10% by October. My last late was 60 days in febuary. I would like to purchase a home and from what I read the needed score is 620. My FAKO score are over 600 but as we all know those are not the ones that count8]. The good thing is that now I feel like I am in control. Thank you all for your time and help.
  12. Can you share any of your secrets? Those are the scores I'm targeting... CONGRATS
  13. Can I request method of verification even though it was done online?
  14. Hi All, Good news first... I did an online dispute of a couple accounts. For experian 2 of the 3 got deleted . 1 for equifax . Bad news... For Transunion everything came back verified. There is one medical collection account that got deleted in Experian and Equifax but was verified in Transunion. How could that happen? What do I do? Do I dispute it again?