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Everything posted by acres90

  1. So the $23000 that I've already paid would look like a good down payment instead of the 3-5% usually required?
  2. Yes, it's contract but don't have title
  3. The wife and I bought a house from an individual a year and a half ago. The seller is carrying the note until we can get financing. We gave him 10k upfront as a down payment, and a few months ago an additional 12k . Question is, when I go to the bank do I tell them I'm looking to refinance or a new home loan where I've already put 22k down? Original price was 110k. The wife and I make about 85k a year.
  4. It's a year no interest and 3% transfer fee.
  5. Ok, I have a credit card with a $3000 limit and a $2800 balance. I also have a credit card with a $10,000 limit and a $0 balance. Question is would it be a good idea to transfer the balance to the $10k card?
  6. acres90


    Looking for some help. My wife got a call yesterday morning from a guy claiming to be with "Huntington"...his phone number was an Amarillo tx cell phone#. He was saying she owed money from a payday loan place. He was wanting payment and threatening to "serve" her with pappers for a judgment. She hung up on him and he then psycho called her 18 times! He called twice today and left a number (888-323-4724). So I called and asked for their mailing address so I could send a debt validation letter, they said they don't give that out due to security reasons...what should we do? Thanks.
  7. i have 5 cc accounts, i have 2 from household bank with limits of $300 a piece, 2 capital one with a total combined credit of $1700 and a citi card with about tha much credit. my question is i want to close accounts that charge me an annual fee. how can i close an account without it going bad on my credit?
  8. i had a udgment on me back in 2006, we settled out of court and i was issued a release of judgement, yet it still shows on 2 of the credit bureaus as a judgment, not settled or anything, i disputed with experian and it always comes back as "reamins". what should i do?
  9. acres90


    it does not show the oc and not even the collector but it shows tarrent county where the judgemnt was first filed
  10. acres90


    do i file it in the county where i live or where it was filed?
  11. acres90


    i recieved it about 2 years ago. what do i do now?
  12. acres90


    well i diddnt, but i did recieve a "release of judgement"
  13. acres90


    i had a car repo-ed back in 2006 and i owed 2600 in deficincy, i setteled thru a collection attorney for half that with the agreement the the judgment would be vacated, after i paid it off i got a release of judgement form the lawyer but it still shows on my credit report for the full amount. i disputed with the credit bureau but it came back as valid, what d i do now?
  14. well what is the procedure for sueing them in federal court , and what would be my cost?
  15. so do i contact my county small claims court?
  16. i got a letter from asset acceptance saying they would take half what i owe for payment in full. i sent them a dv letter. a couple days after i got back the return reciept they called me, but i think it was a computer generated call, so i called them back and explained what i'd done. they said that my account was showing that it was in dispute but they had no record of calling me. what do i do now?
  17. well apperantly NCO sold it to NCC, i sent NCC a DV letter they recieved it on 10-18, and i've heard nothing back from them so i sent then a DV follow up letter, so i guess i'll see what happens.
  18. i just got my EX report back today and the NCO collection acct on my credit report showed that they had deleted it...can NCO come back in a month or so and put it back on there?
  19. so when the 7 years is up can other CA still report it from when they bought it?
  20. right after it was sold they turned it over to some ca i got scared and made about 6 payments of $100 but that has been about 4 years and 3 months ago
  21. on my ex ford credit shows like this: date open jun 2002 reported since jun 2002 date of status oct 2002 last reported may 2006 status: account charged off/repossession, $9497 written off. account history: charge off as of may 2006, oct 2002 repossission as of sept 2002.
  22. it has been 5 years since it was repoed
  23. so will it be on my report by nco as long as it is with ford credit? and i think nco has already sold it to another CA so will it be reported by them as well?