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Posts posted by guyer6719

  1. I am doing much better now than I was back then. I didn't bother answering my phone at home because I knew who was calling. Here's on for ya:

    My Discover account went to collections and this particular agency (I don't remember the name) was horrible. They were unbelievably nasty! I wish I had known then what I know now.

    First, the guy called me and seemed very understanding. Admitted that he pulled my credit report...he sympathized...told me that he has seen many credit reports like mine...but told me that I needed to pay up that day. I told him that I couldn't and that I was in a financial bind. I was numb by this time, and I thought I had heard it all from every collection agency there is until :

    Him: There has to be some way you can get the money to pay this bill.

    Me: No sir, I don't have the means to pay this bill.

    Him: Let me put it like this, if you were to go to jail today, who would bail you out?

    Me: A family member, I guess.

    Him: Well, you need to call that family member and ask them for the money.


  2. Maybe this is all going over my head...but are you saying that judgements never go away until you do something about them? Two bureaus are reporting this judgement. Please correct me if I'm wrong....technically the life of this judgement is until the year it may disappear from my reports, but it still exists?

    I checked my local court records and this judgement doesn't appear to be there...maybe it was before.....

  3. There may be liens on the property, but that's not what we're talking about. Any liens that are already attached to the seller's property will be taken care of by the title company at closing.

    The judgment you have against you may be recorded in your county in such a way that it constitutes a lien on property you own now or may own in the future. In that case, the judgment lien would attach to your new home when its deed gets recorded and when the mortgage is recorded seconds later, the lien will already be there and will be superior to the mortgagee's lien ... and no mortgagee is going to knowingly let that happen.

    How can I find out if there is this type of lien against me? If I don't apply for a mortgage until after this judgment falls off in 2010, am I clear then?

  4. I called and spoke to a rep at Cavalry without giving my personal info. He did offer to look up the account, but I told him that I didn't want to start any activity on the account until I know what options they offer. I was told that they will not delete the account, but they would update the status to say paid, or paying as agreed if a monthly payment arrangement is made.

    So, I'm assuming that this isn't of much benefit to me because this account will still remain under the negative items on each credit report.

    oh well....guess I will DV the hell out of this one too xdancex

  5. Has anyone had success getting these collections removed? They are very persistent. Pulled my reports yesterday and each of them are updating each month. For two of them, I have no idea who the original creditor is. For one, the original creditor is Sprint...not sure how easy/difficult it will be to verify this.

    Wish me luck!:roll:

  6. This is a form letter I got from this website......the info I am questionning is in bold.

    To Whom it May Concern:

    Steve S.


    Address: 1 E. Any Street, Anytown, USA

    (Current address for last 5 years)

    DOB: 1/1/00

    I've just reviewed my credit report and have noticed there are several inaccurate items on my report:

    Chase VISA Acct: xxxxx-xxxxx-xxxx-xxx:

    This account is listed as being 30 days late. I have never been late on this account.

    Sears Acct: xxxxx-xxxxx-xxxx-xxx:

    This account is listed as being 30 days late. I have never been late on this account.

    Universal Acct: xxxxx-xxxxx-xxxx-xxx:

    This account is listed as being 30 days late. I have never been late on this account.

    In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed:

    Diner's Club Acct: xxxxx-xxxxx-xxxx-xxx:

    GE Consumer Card Acct: xxxxx-xxxxx-xxxx-xxx:

    Macy's Acct: xxxxx-xxxxx-xxxx-xxx:

    I have enclosed a copy of my driver's licence as proof of identity.


    Steve S.

    So now my question...can someone tell me when this 7-year clock starts? I have three collection accounts that I haven't made any payments on for a long time...haven't spoken to anyone about them, etc. Does this clock start from the last payment, or the date reported as delinquent?

  7. on this site. Hello all. xdancex

    I have been lurking for a while and decided to post. Credit scores are in the toilet right now. Hired a company to fix this for me...they did get some items removed but all of a sudden they are nowhere to be found. Duh! You live and learn, right?

    Okay...after reading alot...I think what I've gathered is that the best way to start is to send a dispute letter to the CRA and the related CA simultaneously?