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Everything posted by scottb99

  1. The worst they can do is sue you and get a judgement. It is not the end of the world. If you can't pay,then you can't pay. I would send the letter as stated above and then ignore the rest of their correspondence unless they are willing to settle with something that suits you. If not, chances are that they are not going to get anything out of you anyway.
  2. At this point and time BofA is under no obligation to respond to anything.
  3. I would imagine if you PIF, this may keep it off your CR. I am not sure though.
  4. Dispute everything negative. You might just get lucky and they don't verify and it gets deleted. This is especially true with older TL's.
  5. The more time that has elapsed since the late payment, the less effect it has on your score. After a couple of years they are probably not figuring very heavily into your FICO score.
  6. Having an installment loan is helful to your FICO scores, should you run out and get one just to help your scores? That is up to you. I think it is Willingtocope that has a saying in his signature that says something about managing your debt and not your credit scores.
  7. It is just balance transfers, you are correct. It is the Platinum Plus Visa.
  8. Apparently the "credit crunch" hasn't made BofA back off. I usually don't apply for much credit but I got a little froggy yesterday and applied for the Platinum Visa. They instantly approved me for 10K. No annual fee. 0% intro.
  9. I don't think there has been a change, if that were the case, they would adjust scores accordingly.
  10. The only thing you really can do is dispute them as inaccurate with the CRA's. If the CA's verify then you are pretty much stuck with them, but there is a good possibility that they will get deleted.
  11. Don't settle for anything less than a PFD in writing. If they don't go for it, then FOAD letter. It is a take it or leave it situation for them.
  12. I would definitely dispute these right away with the CRA's. These should probably disappear quite quickly.
  13. I for one have been fortunate enough not to get any decreases yet. I use my Hooterscard about once a month for very small purchases, hopefully they don't decrease me. I like having all the extra utilization available.
  14. I would think that more than likely you would be coming back to the US eventually. Why do you feel as though you have to either bail on the debt or settle for less? You can still make your regular monthly payments from SA, correct?
  15. I would say that is continuing with "collection activity". Sounds like they just changed the info they reported to the CRA's, but is the same account. I think I would send AFNI another letter requesting validation on both accounts they are reporting. For one, if it was in dispute prior to them reporting, then that can be considered as continuing collection activity. Some of the more legal experts might want to weigh in but I think you are probably building a pretty good case against AFNI.
  16. Asset is licensed in TX: Principal Name: Asset Acceptance Corporation # 1 Address: 23550 Harper Street Clair Shores, MI 48080- File Number: 980172 Status: Active Date Filed: 8/19/1998 Cancellation Date: Phone: (810) 774-0380 Bonding Company: Hartford Casualty Insurance Company Bond No: 35SUN270376 Principal Name: Asset Acceptance LLC (fka Asset Acceptance Corporation) # 2 Address: 6985 Miller Road Warren, MI 48092- File Number: 20010120 Status: Active Date Filed: 7/23/2001 Cancellation Date: Phone: Bonding Company: Fidelity and Deposit Company of Maryland Bond No: LPM859260101
  17. Well, if these accounts that are in dispute are the only accounts you have listed with Experian then I guess that would be the case according to their information they provided.
  18. Who is actually reporting on your CR? AFNI? If it is AFNI, they sent you a dunning letter 7/13/08, did you DV AFNI? I am kinda confused by your post.
  19. Yes, please keep us posted on the outcome, and good luck.
  20. The date can vary, dispute it if not off by next month.
  21. Contacting them will not refresh your DOLA, making a payment to them will.
  22. It could be listed as potentially negative due to a late payment also. Problem with disputing it is that if it is listed potentially negative due to a late payment 5 years ago and you go and dispute it, it may get deleted and have an adverse effect on your score. History is a big part of your score.
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