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About TSorad

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  1. Hi every one, I need some help/advice about my past due charged off bills. I just received a small lump sum cash of 25k and trying to be smart with it. I have about (guess) 10k in cc debt (10 cards) that are all charged off since around 08/09. I really had no plans to pay this, didn't have the money and it will fall off my report,(don't need to buy anything on credit) but now with the money I am considering it. I still don't want to, but I do owe the money. Esp now with all the collection fees the amount has ballooned so I'm just not sure. I also have student loans in default that I am working
  2. so how does the CRA know the DOFD if it is not listed on the tradeline? Can I ask for the DOLA in the DV letter?
  3. I disputed this Providian card off my report a long time ago and now it has finally showed up with Midland collections. It has to be very old out of the SOL I believe or at least 5-6 years old. My question is the CA is reporting the account as opened 9/27/2007 but I am sure I opened this account in 1999. What can I do as they never sent me a letter (saying I have 30 days to respond etc). It just showed up on my report. I am sending a dv letter and disputing with transunion, anything special that should be in the letter? Creditor Name: MIDLAND CRED Account No.: 85249***** Original
  4. why do you want to dv when it isn't on your report? I wouldn't do it, could start up collection actions. Shouldn't a dv be a response to their letter, stating you have 30 days blah blah The way I look at it, if it isn't on your report and they are not suing you then you don't owe.
  5. you should try to pay the lowest amount possible and then try disputing off your report after a little time as passed. Even with paid in full it will still show the negative such as co and lates. paid for less is probably just as good
  6. I'm in the same boat, I dv them with no response. They are not reporting so hopefully that is the end of it
  7. those scores are always different, especially from different places. The only scores that matter are Fico scores. (unless those scores are fico) My equifax truecredit score is 560 but the real fico is 650, so there can be a big difference.
  8. use the 20% discount for your fico's works.
  9. Just a quick question I got financed for a 94 Honda Accord and only made 3 payments, my plan was to get this loan and pay it off so I can get car credit. Now it was stolen and USAA is going to pay it off. The original balance was 3800 and now I owe 3300 and they are going to give me 5100. (Kind of good because it was max interest) Question is it going to help my credit now that it is paid and how will other places like Cap One look at the loan paid if I want to get another?
  10. I'm no expert, but that does seem high. Isn't Capital One a sub prime loan place or whatever? Why don't you try through a credit union or something like that? Maybe shop around and see if you can get a better deal, then have them all bid against each other. Maybe you don't have car credit? Or good credit but high credit card bills? dunno just guessing. Just thought about it, no way you should have that high of interest with 700 hun plus
  11. You should DV them, even if it isn't on your report they can add it. I believe when you DV them it stops (should) all collection actions until they can prove you owe the debt. Don't ignore them.
  12. Just call and tell them he doesn't live there and you have no idea who he is. Like I said before, what is the worse they can do, call you? They are already doing that. When they act stupid you know what to do.
  13. Might as well call them. What is the worst that can happen on the phone, they say something stupid then you laugh and hang up. I have fun when I call creditors, what can they do over the phone?Call them names.
  14. TSorad

    NCO Again

    NCO just bought the debt in June, the charge off from the oc (world bank/VS) has been on my report since 1999, but I just disputed and was removed. I believe it was charged off in 2002. I am sure it is out of SOL, but I don't want it to get back on my report. I leave for Army Basic training in January and can't have anything unpaid on my report. That is why I am hoping to dv them and make them go away.