danni_dee

awesome!!!! wtg!!! :)

Thankyou Ahntara for your detailed reply....it cleared up my questions. Educating myself is what I am doing, is why I posted my post. I have read the stickies, other members posts and used the search function many many many times. I really enjoy this site. however, just b/c some things have been discussed doesnt mean it always answers someones questions. And trying to get an understanding of the big picture is why someone new like me asks questions. thank you again for your reply!

thanks for your reply! these are NOT within the SOL... In Texas, SOL is 4 yrs... and with the est date for removal being mid 2010, and WaMu/Providian updated with EX in the history as being 30 days as of 8/03, then SOL was up 8/07.

Ok, tell me is there something wrong with this??? On 1/15/08, pulled my credit reports and this is what it has: Experian LVNV Funding LLC Acct # xxxxxxxxxx (has 4 dots .... for last 4 digits) Status: Collection Account, $2751, past due as of 12/07 Scheduled to fall off 5/2010 Date Opened: 3/04 Reported Since 3/04 Last reported 12/07 Acct History: list several months, last one shows Collection since 3/04 ok, now on my updated/verified info as of 2/21/08: the changes are: Past due: $2798 as of 2/08 why did this amount go up? Creditors Statement: Debt being paid through insurance what exactly does that mean??? Term: 1 month Acct History: Collection since 2/08 ...AND there are no other months listed... What happened to the rest of the history? Equifax (I have not yet disputed with EQ) Same acct # Date opened: n/a Balance $2751 Type of loan: Factoring Company Acct (debt purchaser)...does this mean LVNV is a JDB? ..also EQ lists LVNV twice, once under "other accts/closed accts" and again under "Negative Accts/closed accts"...why is it listed twice? Transunion (TU online dispute still pending) Acct # is same Balance $2751 OC: Providian Date opened: 3/04 Est date for removal: 6/2010 OK>>> NOW is this RIGHT here??? Can a credit report show the same acct number from 2 different CA/JDB? Experian (1/15/08) WashMutual/Providian Acct # SAME AS LVNV Status: Transferred, closed/past due 180 days Date opened 6/02 High Balance $2001 Reported since 7/02 Last reported 3/04 Creditors statement: Purchased by another lender Acct history: several months listed, 30 days as of 9/03 Experian updated 2/21/08 Acct # SAME AS LVNV Acct history: 30 days as of 8/03 (extra month?) Details: verified/updated 2/08 and now TU 1/15/08 Acct number (has complete acct number, all numbers same as those above) Balance $0 Date updated 3/04 High balance $2001 past due $0 Date opened 6/02 Date closed 3/04 Date paid 3/04 Does this mean LVNV PAID WashMu? Statement: Purchased by another lender Est date for removal 6/2010 Ok, now... now that I have all this info here, as I did an online dispute with EX and TU, what is the next best action to do? DV LVNV and WashMU? ...and/or ask for MOV from EX...(TU online dispute is still pending), or should I wait on the MOV with EX until TU results are in?

wow! that is so awesome!!! congrats!!!

Thank you all! I so appreciate your comments! I do have more questions, and will be asking more either tonite or tomorrow. I am so elated about having my first delete!!!

wow! OK! I am totally excited!!! I was beginning to despair, and today I got my results from my EX online disputes!!! Report Number: xxxxxxxxx Online Credit Report from Experian for: danni_dee Report date: February 21, 2008 Summary of Investigation Results The following shows the revision(s) made to your file as a result of our investigation. If you still question an item, then you may want to contact the source of the information personally. Summary Of Investigation Results How to read your results • Deleted - This item was removed from your credit report • Remains - This item has been verified as accurate • Updated - A change was made to this item; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you. • Reviewed - This item was either updated or deleted; review this report to learn its outcome Credit Items LVNV FUNDING LLC Account Number: xxxxxxxxxxx.... Outcome: Updated PALISADES COLLECTION L Account Number: xxxxxxxxxxx.... Outcome: Deleted NEXCARD/MASTERTRUST Account Number: xxxxxxxxxxx.... Outcome: Remains WASH MUTUAL/PROVIDIAN Account Number: xxxxxxxxxxx.... Outcome: Updated Palisades is GONE!!! DELETED!!!! wow! :BigDance: :everybodyclap: Now waiting for my online disputes from TU...hopefully soon!

I received a letter from crescent recovery the other day...the letter itself is not dated, but the postage is dated 2/7/08. (I'm in Texas). The letter offers 30% settlement for "during this tax season". I have not yet DV'd them, as I was waiting for my first round of online disputes to come back. The original balance is $7,000....and the offer to settle is for $2,300... of which I cannot afford! anyway... the reason I did not dispute this one online as I did a few others a few weeks ago, is the SOL..here is the info... Crescent Recovery (OC: Metris Companies) DOFD (EQ): 1/2004 (SOL= 1/2008???) Date Opened: (EX) 7/2006 Estimated date for removal (TU) 12/2010 Question 1.Is CRESCENT RECOVERY a JDB or CA? Question 2.According to EQ, the SOL just ran out...but I am wondering, with TU reporting est date for removal 12/2010, IS IT SAFE to assume that my SOL on this account can be 12/2007??? So I want opinions/advice what to do about this...go ahead and DV them? send a C&D? what? thanks!

well I feel the need to put my 2cents in... I was once married to a man (yrs ago) that was NOT passive aggressive... and he had control of the finances/checking account...until one day we got one too many bounced check notices AGAIN...and getting tired of paying the NSF charges, I sat down one day to figure the budget/taught myself to balance a checkbook... (I was young!), all in one afternoon. When he got home from work, I told him from now on I would handle the checkbook and budget...honestly dont remember how well it went over, been too long ago, however, I did start handling the finances from that day on....and now in over 20+ years, and surviving a 2nd divorce, and being a single mom twice, I can honestly say I have had less than 5 returned checks (all by honest error or unusual circumstances). With your husband being so passive aggressive, I think its time you just told him you would take control of the finances...this would include putting him on a budget, not having a debit card readily available to use/cash instead...and dont call him at work to say "we need to talk", just wait till he gets home, then talk! good luck to you!

NEVER send your signature. as you said they should already have the information you requested in your DV letter. there are others that may provide better insight than I can as I am still learning, however, if you search the forums, and just keep reading you will come across the answers. good luck!

AWESOME!!! congratulations! you give us newbies hope!!!

Wow! congratulations! this is something I hope to be saying within the year! way to go!!!

Hi Flak, there have been plenty of people here that started off with online disputes. I am a newbie and still waiting for results of my online disputes with 2 CRAs. You can do a search for "online disputes" and have plenty of reading to do about it. Yes, I already did read the sticky regarding 'dont do online disputes'. keep us posted on how it goes!

Hi again... well I went to check out my online dispute status with EX and this is what it says.. Results Due: 02/23/2008 Delivery Method: email to [email protected] Credit Items • NEXCARD/MASTERTRUST Account Number: 4.......Outcome: Remains • PALISADES COLLECTION LLC Account Number: P.......Outcome: Pending • LVNV FUNDING LLC Account Number: 4.......Outcome: Pending • WASH MUTUAL/PROVIDIAN Account Number: 4.......Outcome: Updated ok, I understand what "pending" is... but "remains" ...does that mean NEXTCARD was verified???? and "updated" ...what does that mean??? thanks!

sorry...didnt mean to jack your thread... so if anyone knows what a quick result of x of xx completed means...we would like to know.